{"uin":"IRDAN115CP0009V01201920","name":"Tea Crop Insurance","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"rural","category_name":"Crop, cattle and rural","irdai_type":null,"kind":"product","status":"active","approved_on":"2009-08-19","withdrawn_on":null,"summary":"Tea Crop Insurance covers Green Leaf from plucking at the assured estate while processing and in approved transit, with India and overseas sale or delivery endpoints. It is an all-risks physical loss or damage cover with a Rs. 2000 per consignment/per occurrence excess and prompt claim notice requirement.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:19:10.969045+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Cover attaches from plucking of Green Leaf at the assured estate while it is processed and in approved transit, and continues until the applicable sale or delivery endpoint. The wording gives limits such as 30 days from arrival at an approved Indian auction warehouse, 7 days from arrival at the Indian destination road or railway station, and 30 days storage for overseas auction/storage routes.","display":"From plucking/processing/transit until sale or delivery, with route-specific limits including 30 days, 7 days, or 30 days storage.","note":"The wording describes duration of cover by route rather than a single fixed policy term.","quote":"This insurance attaches from the time the Green Leaf is plucked at the Assured 's Estate named herein and whilst being processed at the Factory and further continues whilst in transit by approved conveyance(s) and or vessel(s) (as specified in the Schedule to the relative Policy ) until: ... Sold at Auction Centres in India but not exceeding 30 days from the date of arrival at an approved Tea Warehouse at the place of Auction ... Delivered to Agents Buyers anywhere in India, but not exceeding 7 days from the date of arrival at the destination Road Railway Station. ... Sold at the Auctions in Overseas Country (shipped via a named Indian Port) but not exceeding 30 days period of Storage either at the Port of Shipment or any recognized Tea Warehouses at destination","sources":[{"clause":"1","heading":"DURATION OF COVER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1"},{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-i"},{"clause":"1(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-ii"},{"clause":"1(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-iii"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The assured must give prompt notice to the company of any event held covered or giving rise to a claim as soon as information of loss or damage is obtained from the carriers, brokers or warehouse-keepers concerned.","display":"Prompt notice as soon as information of loss/damage is obtained from carriers, brokers or warehouse-keepers.","note":null,"quote":"Further, it is necessary for the Assured to give prompt notice to the Company of any event\nExceeding 40% but not exceeding 50% | 15%\ni) Which is held covered under this Insurance\nExceeding 50% but not exceeding 60% | 10%\nii) Giving rise to a claim under this Insurance, ... as soon as they have obtained information of loss / damage from the Carriers / Brokers / Warehouse-keepers concerned and the right of recovery hereunder is dependent on compliance with this obligation.","sources":[{"clause":"9","heading":"REASONABLE DESPATCH CLAUSE","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-9"},{"clause":null,"heading":"MALUS (LOADING)","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-malus-loading"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim bill / Claim Form duly filled up","Photographs / Video of damaged property/item under claim","Document/s in support of admissibility of the claim, for instance, Service Engineer’s Report, Fire Brigade Report, etc.","FIR / Final Police investigation report wherever applicable","repair/ replacement quotation, invoice and payment proofs for each and every item as claimed","documents substantiating the quantum & value of the items under claim","Offer for retention of salvage, if any","KYC / NEFT Details as per AML guidelines","Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate","Any other document which may be specified by the surveyor post completion of initial survey"],"display":"Claim form/bill, photos or video, admissibility documents, FIR/final police report where applicable, repair/replacement quotes and proofs, value documents, salvage offer, KYC/NEFT, invoice/GRN/monetary claim/damage certificate, and any surveyor-specified document.","note":null,"quote":"1. Claim bill / Claim Form duly filled up ... 2. Photographs / Video of damaged property/item under claim ... 3. Document/s in support of admissibility of the claim, for instance, Service Engineer’s Report, Fire Brigade Report, etc. ... 4. FIR / Final Police investigation report wherever applicable ... 5. For items which are to be repaired or reinstated, repair/ replacement quotation, invoice and payment proofs for each and every item as claimed. ... 6. For items which are under claim & not to be repaired or reinstated, documents substantiating the quantum & value of the items under claim ... 7. Offer for retention of salvage, if any ... 8. KYC / NEFT Details as per AML guidelines ... 9. Invoice copy / Goods Receipt Note / Monetary Claim on carrier / Damage Certificate ... 10. Any other document which may be specified by the surveyor post completion of initial survey","sources":[{"clause":null,"heading":"Exclusions","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-exclusions-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For retail policyholders, the assessment sheet or survey report will be furnished within 15 days of receipt of the claim form and documents, and the claim will be decided within 7 days of receipt of the assessment sheet or survey report.","display":"Assessment sheet/survey report within 15 days of claim form and documents; claim decided within 7 days of assessment sheet/survey report.","note":"The clause says this TAT is applicable to Retail policyholder.","quote":"Turnaround Time (TAT): Assessment sheet /Survey report will be furnished within 15 days of receipt of claim form and documents. Claim will be decided within 7 days of receipt of the assessment sheet / survey report, as applicable. (Applicable to Retail policyholder)","sources":[{"clause":null,"heading":"Exclusions","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-exclusions-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["absence or shortage, withholding or withdrawal of labour","fault, neglect or defect in the manufacturing process and / or packing materials used","interruption in manufacture consequent upon stoppage of Power Supply and / or Breakdown of Machinery","Any trade loss, including chest allowance, as agreed to by the Tea Brokers","previous season's Manufactured Tea Held Back at Garden, unless specifically covered","inherent vice or nature of the subject-matter insured or delay","willful misconduct of the Assured","ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured","insufficiency or unsuitability of packing or preparation of the subjectmatter insured","insolvency or financial default of the owners managers charterers or operators of the vessel","use of any weapon of war employing atomic or nuclear fission and / or fusion or other like reaction or radioactive force or matter"],"display":"Labour absence/shortage, manufacturing or packing defects, power stoppage or machinery breakdown, trade loss, previous season tea held back, inherent vice or delay, misconduct, ordinary leakage or wear and tear, unsuitable packing, vessel operator insolvency/default, and atomic/nuclear weapon risks.","note":null,"quote":"shall in no case be deemed to cover loss, damage or expense proximately caused by inherent vice or nature of the subject-matter insured or delay even if delay is caused by the operation of an insured peril. ... loss of or damage to the subject-matter insured, whether Green Leaf or partly / wholly manufactured Tea, directly or indirectly caused by the absence or shortage, withholding or withdrawal of labour of any description whatsoever under any circumstance.\n(ii) Loss or damage attributable to any fault, neglect or defect in the manufacturing process and / or packing materials used.\n(iii) Loss due to interruption in manufacture consequent upon stoppage of Power Supply and / or Breakdown of Machinery, howsoever arising.\n(iv) Any trade loss, including chest allowance, as agreed to by the Tea Brokers.\n(v) Any loss or damage pertaining to previous season's Manufactured Tea Held Back at Garden, unless specifically covered under this Policy. ... 4.1 loss damage or expense attributable to willful misconduct of the Assured 4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subjectmatter insured ... 4.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel 4.7 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and / or fusion or other like reaction or radioactive force or matter.","sources":[{"clause":"2","heading":"TERMS OF COVER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-2"},{"clause":"3(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-3-i"},{"clause":null,"heading":"Exclusions","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For any query or grievance, the insured may first contact the respective branch office, call 1800-2666, or use the “Grievance Redressal” subsection on www.icicilombard.com. If the resolution is not satisfactory, the insured may approach IRDAI through Bima Bharosa or IGCC, and may also approach the Insurance Ombudsman.","display":"Contact branch office, 1800-2666, or the website Grievance Redressal section first; if not satisfactory, approach IRDAI/Bima Bharosa/IGCC or Ombudsman.","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal - https://bimabharosa.irdai.gov.in/ or IRDAI Grievance Call Centre (IGCC) at their toll free no. 1800 4254 732 / 155255. You may also approach Insurance Ombudsman, subject to vested jurisdiction, for the redressal of grievance.","sources":[{"clause":null,"heading":"Grievance Clause","page":13,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-grievance-clause"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["All Risks of physical loss of or damage to the subject-matter insured","general average and salvage charges","Both to Blame Collision","Fire, Earthquake and other convulsions of nature","Strikes, Riots and Civil Commotion","Explosion, Aircraft Damage and Impact Damage","war civil war revolution rebellion insurrection, or civil strife","strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","any terrorist or any person acting from a political motive"],"display":"All risks of physical loss or damage, with named cargo/war/strike covers including general average, salvage, Both to Blame Collision, fire, earthquake, SRCC, explosion, aircraft damage, impact damage, war risks, strikers and terrorism/political motive.","note":"On-garden Fire, Earthquake, other convulsions of nature and SRCC are limited by the 15% on garden clause.","quote":"This insurance is against All Risks of physical loss of or damage to the subject-matter insured ... This insurance covers general average and salvage charges ... \"Both to Blame Collision\" Clause ... insurance against the risk of Fire, Earthquake and other convulsions of nature and also the risks of Strikes, Riots and Civil Commotion ... The risk of Explosion, Aircraft Damage and Impact Damage are also covered. ... This insurance covers, except as provided in Clauses 3 and 4 below loss of or damage to the subjectmatter insured caused by 1.1. war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power ... This insurance covers, except as provided in Clauses 3 and 4 below, loss of or damage to the subjectmatter insured caused by 1.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 1.2 any terrorist or any person acting from a political motive.","sources":[{"clause":"2","heading":"TERMS OF COVER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-2"},{"clause":null,"heading":"INSTITUTE CARGO CLAUSES (A) Risk covered","page":6,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-institute-cargo-clauses-a-risk-covered"},{"clause":null,"heading":"Inland Transits: Subject to current","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-inland-transits-subject-to-current"},{"clause":null,"heading":"INSTITUTE WAR CLAUSES (CARGO) Risk covered","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-institute-war-clauses-cargo-risk-covered"},{"clause":null,"heading":"INSTITUTE STRIKE CLAUSES (CARGO) Risk covered","page":12,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-institute-strike-clauses-cargo-risk-covered"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Claims are subject to an excess of Rs. 2000 per consignment/per occurrence. If tea is carried by own vehicle or private carriers or other modes where the insurer may not have recovery rights, claims are paid to the extent of 90% of the assessed loss and the insured bears the balance 10%.","display":"Rs. 2000 per consignment/per occurrence; 10% borne by insured for own/private carrier/no recovery-right dispatches.","note":null,"quote":"\"Claims for losses, if any, under this Policy, shall be subject to an Excess of Rs. 2000 - per consignment/per occurrence\". ... If teas despatched from the Gardens are carried by own vehicle or private carriers other modes of transportation where the Insurer may not have recovery rights, claims in respect of such dispatches should be paid to the extent of 90% of the Assessed Loss and the balance 10% of the Assessed Loss shall be borne by the Insured.","sources":[{"clause":"6.1","heading":"In the event of loss in weight from apparently sound","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-6-1"},{"clause":"6.2(a)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-6-2-a-ii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policy may be cancelled by either side with 30 days' written notice. On such cancellation, the insured must submit a final premium adjustment statement within 60 days for adjustment for the period of cover, and the insured may become entitled to a refund if the actual premium is lower than the provisional premium collected.","display":"30 days' written notice; final premium adjustment within 60 days, with refund of premium if due.","note":"The cancellation clause says the adjustment provision does not apply to cancellations provided for in 10(ii), 10(iii) and 10(iv).","quote":"This Policy may be cancelled by giving 30 days' Notice of Cancellation in writing by either side. In the event of such\nExceeding 70% but not exceeding 80% | 10%\ncancellation, Insured shall submit within 60 days of cancellation, the Final Premium Adjustment Statement,\nExceeding 80% but not exceeding 90% | 20%\nduly certified by their Auditors, for the period the Policy was in force for adjustment of premium for the period of cover. ... Depending on the provisional premium collected and the actual premium payable, the Insured may be required to pay the difference in premium or may become entitled to a refund of premium, as the case may be.","sources":[{"clause":"10","heading":"CANCELLATION CLAUSE","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-10"},{"clause":"7(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-7-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The cover applies to tea sold or delivered in India and to overseas country routes shipped via a named Indian port, as described in the route clauses.","display":"India and overseas country routes via a named Indian Port.","note":null,"quote":"Sold at Auction Centres in India but not exceeding 30 days from the date of arrival at an approved Tea Warehouse at the place of Auction ... Delivered to Agents Buyers anywhere in India, but not exceeding 7 days from the date of arrival at the destination Road Railway Station. ... Sold at the Auctions in Overseas Country (shipped via a named Indian Port) ... Delivered to the Buyers' or Consignees' Warehouse (shipped via a named Indian Port against firm C.I.F. Sale Contracts) in the overseas country","sources":[{"clause":"1(i)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-i"},{"clause":"1(ii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-ii"},{"clause":"1(iii)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-iii"},{"clause":"1(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1-iv"}],"law":[]},{"key":"subject_covered","label":"Crop or animal covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The subject insured is tea: Green Leaf plucked at the assured's estate, while being processed, and Green Leaf or partly/wholly manufactured Tea.","display":"Green Leaf and partly/wholly manufactured Tea.","note":null,"quote":"This insurance attaches from the time the Green Leaf is plucked at the Assured 's Estate named herein and whilst being processed at the Factory ... loss of or damage to the subject-matter insured, whether Green Leaf or partly / wholly manufactured Tea","sources":[{"clause":"1","heading":"DURATION OF COVER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-1"},{"clause":"3(I)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-3-i"}],"law":[]},{"key":"claim_trigger","label":"Claim trigger","section":"Claims","meaning":"What has to happen for a payout: yield loss, weather index, death of animal.","status":"quote-verified","value":"A claim is triggered by physical loss of or damage to the insured tea caused by an insured risk during the period of cover, subject to the exclusions and settlement basis. The wording also addresses loss in weight from apparently sound chests, where the insurer's liability is limited.","display":"Physical loss of or damage to insured tea; loss in weight from apparently sound chests is also addressed.","note":null,"quote":"This insurance is against All Risks of physical loss of or damage to the subject-matter insured ... In the event of loss in weight from apparently sound\nchests, the Insurer's liability shall be limited to 75% of such loss.","sources":[{"clause":"2","heading":"TERMS OF COVER","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-2"},{"clause":"6.1","heading":"In the event of loss in weight from apparently sound","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886#c-6-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Tea Crop Insurance","pages":15,"fetched_at":"2026-10-20 01:59:18+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/20241003006-tea-crop-insurance-clauses-policy-wording--rev-1-1.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/19886"},{"kind":"prospectus","label":"Tea Crop Insurance","pages":3,"fetched_at":"2026-10-20 02:40:15+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/prospectus-tea-crop-insurance.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920/document/20443"}],"versions":[{"uin":"GEN364","version":null,"approved_on":null},{"uin":"IRDAN115CP0009V01201920","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tea Crop Insurance (UIN IRDAN115CP0009V01201920), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/tea-crop-insurance-irdan115cp0009v01201920"}