{"uin":"IRDAN123CP0003V01202223","name":"Chola MS Trade Credit Insurance policy – Tradeliner Commercial Contract - Chola MS Trade Credit Insurance policy – Tradeliner Insolvency Contract","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a trade credit insurance policy covering Non-Payment of Debts arising from Deliveries during the contract period, up to the insured percentage of the Net Debt. The policy wording covers Buyer’s Insolvency or Buyer’s Protracted Default, but the prospectus states the Insolvency Only version covers Buyer’s Insolvency.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:44:22.264343+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":"quote-verified","value":["Commercial Full Cover version (RC)","Insolvency Only version (RI)"],"display":"Commercial Full Cover version (RC); Insolvency Only version (RI)","note":null,"quote":"A) Commercial Full Cover version (RC):\nOur cover shall apply to any Non-Payment arising directly and exclusively from:\ni) your Buyer’s Insolvency, or\nii) your Buyer’s Protracted Default.\nB) Insolvency Only version (RI):\nOur cover shall apply to any Non-Payment arising directly and exclusively from: your Buyer’s Insolvency,","sources":[{"clause":null,"heading":"INSURABLE CAUSES OF LOSS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5140#c-insurable-causes-of-loss"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording says the contract remains in force for the first insurance period and may renew, but the actual duration is left to unfilled Special Terms placeholders.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy requires notification of Overdue Account within the time limit, but the Special Terms show unfilled [X] day placeholders for the main deadline.","quote":null,"sources":[],"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":["all written evidence of the Debt","written evidence of any Security obtained","if applicable of the Insolvency of the Buyer"],"display":"All written evidence of the Debt, any Security obtained and, if applicable, the Insolvency of the Buyer","note":null,"quote":"Upon our request and within the waiting period, You shall send Us all written evidence of the Debt, of any Security obtained and if applicable of the Insolvency of the Buyer.","sources":[{"clause":"3.1.2","heading":"EVIDENCE OF DEBT","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-3-1-2"}],"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":"Provided that the insured has complied with all terms, the insurer indemnifies within 30 days of receiving all documents for Buyer Insolvency, or within 30 days of expiry of the waiting period in other cases.","display":"Within 30 days of receipt of all required documents for Buyer Insolvency, or of expiry of the waiting period in other cases","note":null,"quote":"Provided that You have complied with all the terms of the Contract, We shall indemnify You within 30 days of (i) the receipt by Us of all the documents specified in article 3.1.2 above in case of Insolvency of the Buyer or (ii) - the expiration of the waiting period, in all other cases.","sources":[{"clause":"3.2.1(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-3-2-1-b"}],"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":["Debts due by a Buyer who is a Private Individual, an Associated Company, a Public Buyer, or already subject to Insolvency on the date of Delivery","Debts payable before Delivery","Debts payable by irrevocable letter of credit confirmed by a bank registered in your country","sales of goods made on approval or on consignment, or of goods in bonded warehouse or exhibited at a trade fair","Cash Against Documents Sales","Debts which are at the date indemnification is triggered by Us in excess of the Credit Decision","where You have not complied with any express condition which may be attached to the Credit Decision","where a failure, by You or anyone acting on your behalf, to fulfill your obligations under the Sales Contract occurred","interest for late payment or any penalties or damages","Deliveries made after a Refusal or a Cancellation","Deliveries made to a Buyer in Default","Deliveries made to a Buyer for whom You have or should have notified Us Adverse Information","Debts which are subject to a Dispute","any exchange rate losses","Non-Payment arising directly or indirectly from any Political Event, any Natural Disaster, a nuclear explosion or contamination, war, or certain legislative or administrative measures"],"display":"Excluded debts and causes include certain buyers, pre-delivery payment, confirmed letters of credit, consignment/approval sales, cash against documents, excess over Credit Decision, breach of conditions, disputes, exchange losses, Political Events, Natural Disasters, nuclear events and war.","note":null,"quote":"a) Our cover shall not apply to Debts due by a Buyer who is i) a Private Individual, ii) an Associated Company, iii) a Public Buyer, or iv) already subject to Insolvency on the date of Delivery.\nb) Our cover shall not apply to Debts:\ni) payable before Delivery,\nii) payable by irrevocable letter of credit confirmed by a bank registered in your country,\niii) resulting from sales of goods made on approval or on consignment, or of goods in bonded warehouse or exhibited at a trade fair,\niv) resulting from Cash Against Documents Sales,\nv) which are not required to be notified to Us pursuant to article 3.1.1.a) below,\nvi) which are at the date indemnification is triggered by Us in excess of the Credit Decision,\nvii) where You have not complied with any express condition which may be attached to the Credit Decision,\nviii) where a failure, by You or anyone acting on your behalf, to fulfill your obligations under the Sales Contract occurred, or\nix) sustained on interest for late payment or any penalties or damages.\nc) Our cover shall not apply to Debts arising from Deliveries:\ni) made after a Refusal or a Cancellation,\nii) made to a Buyer in Default,\niii) made to a Buyer for whom You have or should have notified Us Adverse Information, or\niv) made in violation of any applicable laws or regulations.\nd) Our cover shall not apply to Debts which are subject to a Dispute; in such a case, our cover shall be suspended until the Dispute is resolved in your favour by arbitration or by a final court decision, binding on both parties and enforceable in the Buyer's country.\ne) Our cover shall not apply to any exchange rate losses. ... Our cover shall not apply to any Non-Payment arising directly or indirectly from any of the following events:\ni) any Political Event,\nii) any Natural Disaster,\n:Customercare@cholams.murugappa.com| www.cholainsurance.com.\niii) a nuclear explosion or contamination,\n:Customercare@cholams.murugappa.com| www.cholainsurance.com.\niv) a war, whether declared or not, between two or more of the following countries : France, the People’s Republic of China, the Federation of Russia, the United Kingdom, the United States of America, or\nv) for your domestic transactions: any legislative or administrative measure in your country that prevents the performance of the Sales Contract or the payment of the Debt.","sources":[{"clause":"1.2.1","heading":"EXCLUDED DEBTS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-1-2-1"},{"clause":"1.2.2","heading":"EXCLUDED CAUSES OF LOSS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-1-2-2"}],"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":"First contact customercare@cholams.murugappa.com. The escalation route is manager.customersupport@cholams.murugappa.com and then head.customersupport@cholams.murugappa.com before external escalation.","display":"First level: customercare@cholams.murugappa.com; escalation level 1: manager.customersupport@cholams.murugappa.com; escalation level 2: head.customersupport@cholams.murugappa.com","note":null,"quote":"First level: Your contacting customercare@cholams.murugappa.com and our response within 10 days Escalation level-1: manager.customersupport@cholams.murugappa.com and our response in next 08 days Escalation level-2: head.customersupport@cholams.murugappa.com and our response in next 07 days","sources":[{"clause":null,"heading":"MECHANISM OF GRIEVANCE REDRESSAL","page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-mechanism-of-grievance-redressal"}],"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":"conflicting","value":["your Buyer’s Insolvency","your Buyer’s Protracted Default"],"display":"Buyer’s Insolvency or Buyer’s Protracted Default","note":"The wording covers Insolvency or Protracted Default. The prospectus says for the Insolvency Only version (RI): 'Our cover shall apply to any Non-Payment arising directly and exclusively from: your Buyer’s Insolvency,'.","quote":"Our cover shall apply to any Non-Payment arising directly and exclusively from:\ni) your Buyer’s Insolvency, or\nii) your Buyer’s Protracted Default. ... B) Insolvency Only version (RI):\nOur cover shall apply to any Non-Payment arising directly and exclusively from: your Buyer’s Insolvency,","sources":[{"clause":"1.1.2","heading":"INSURABLE CAUSES OF LOSS","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-1-1-2"},{"clause":null,"heading":"INSURABLE CAUSES OF LOSS","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5140#c-insurable-causes-of-loss"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy says deductibles are specified in the Special Terms, but the Special Terms deductible amounts are left as [X INR] placeholders.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":"No clause states what refund the insured gets if the insured cancels during the year.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The wording refers to covered countries and a Countries Coverages Table, but the table contains placeholders rather than listed countries.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy covers the risk of Non-Payment of Debts arising from Deliveries made during the contract period, with indemnity up to the insured percentage of the Net Debt.","display":"Non-Payment of Debts arising from Deliveries made during the contract period, up to the insured percentage of the Net Debt","note":null,"quote":"Subject to and in accordance with the provisions of this Contract, We undertake to cover You for the risk of Non-Payment of your Debts arising from Deliveries You make during the contract period (risk attaching principle) and to indemnify You up to the insured percentage of the Net Debt.","sources":[{"clause":null,"heading":"PURPOSE OF THIS CONTRACT","page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167#c-purpose-of-this-contract"}],"law":[]}],"documents":[{"kind":"wording","label":"Chola MS Trade Credit Insurance policy– Tradeliner Commercial Contract(C).pdf","pages":47,"fetched_at":"2026-10-17 19:44:59+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20MS%20Trade%20Credit%20Insurance%20policy–%20Tradeliner%20Commercial%20Contract(C).pdf/23872756-5f42-7771-9bfa-0d7da1cf1317","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5161"},{"kind":"wording","label":"Chola MS Trade Credit Insurance policy– Tradeliner Insolvency Contract.pdf","pages":47,"fetched_at":"2026-10-17 19:45:01+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Chola%20MS%20Trade%20Credit%20Insurance%20policy–%20Tradeliner%20Insolvency%20Contract.pdf/735339c3-657c-7cbb-9105-5837070eb129","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5167"},{"kind":"prospectus","label":"Prospectus-Chola Ms Trade Credit Insurance Policy - Tradeliner-Commercial Contract.pdf","pages":3,"fetched_at":"2026-10-17 19:44:41+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Ms%20Trade%20Credit%20Insurance%20Policy%20-%20Tradeliner-Commercial%20Contract.pdf/5edf26f4-90fb-c7fe-1c27-c0db702e58f1","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5138"},{"kind":"prospectus","label":"Prospectus-Chola Ms Trade Credit Insurance Policy-Tradeliner-Insolvency Contract.pdf","pages":3,"fetched_at":"2026-10-17 19:44:43+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Ms%20Trade%20Credit%20Insurance%20Policy-Tradeliner-Insolvency%20Contract.pdf/6977d820-0a2f-3d72-0ba3-b10323367a14","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223/document/5140"}],"versions":[{"uin":"IRDAN123CP0004V01202223","version":null,"approved_on":null},{"uin":"IRDAN123CP0003V01202223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"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":"Chola MS Trade Credit Insurance policy – Tradeliner Commercial Contract - Chola MS Trade Credit Insurance policy – Tradeliner Insolvency Contract (UIN IRDAN123CP0003V01202223), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-ms-trade-credit-insurance-policy-tradeliner-commercial-contract-chola-ms-t-irdan123cp0003v01202223"}