{"uin":"IRDAN123P0026V01200203","name":"Marine Hull and Machinery Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203","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":"marine","category_name":"Marine and transit","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2021-09-15","withdrawn_on":null,"summary":"Marine Hull and Machinery Insurance is a marine hull policy for an insured vessel, with cover for listed hull perils and 3/4ths collision liability. Claims require immediate notice before survey and the wording states a Turn Around Time for claims settlement of 21 working Days.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:27:36.175812+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":"not-stated","value":null,"display":null,"note":"The schedule has a blank period of insurance from a start time to midnight of an end date, but no fixed policy duration is printed.","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":"quote-verified","value":"Immediate notice of loss or damage and application for survey must be given to the Policy Issuing Office; notice must be given before survey, and if the vessel is abroad also to the nearest Agent of the Company.","display":"Immediate notice; before survey; abroad also to the nearest Agent","note":null,"quote":"In the event of loss or damage which may involve a claim under this Insurance, immediate notice there of and application for survey should be given to the Policy Issuing Office and when abroad also to the nearest Lloyd's Agent. ... In the event of accident whereby loss or damage may result in a claim under this insurance, notice shall be given to the Underwriters prior to survey and also, if the Vessel is abroad, to the nearest Agent (of the Company) so that a surveyor may be appointed to represent the Underwriters should they so desire.","sources":[{"clause":"Schedule","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-schedule"},{"clause":null,"heading":"10 NOTICE OF CLAIM AND TENDERS","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-10-notice-of-claim-and-tenders"}],"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 Form","Goods / Lorry Receipt from transporter – original","Monetary Claim letter sent to Transporter - along with postal receipt / ack from transporter","Damage Certificate duly signed by consignee consignor, Transporter","Packing List / Invoice / eway bill","Weigh Bridge Slip / documentary proof to establish compliance of Warranty","Letter of Subrogation","KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.","Any other Documents like FIR / FR/BL, BOE etc., based on nature of claim","Turn Around Time for claims settlement is 21 working Days"],"display":"Claim Form; transporter receipt; claim letter; damage certificate; invoice/eway bill; weigh bridge proof; subrogation; KYC; FIR/FR/BL/BOE as applicable","note":"The printed document list includes transporter/goods documents although this is a hull wording.","quote":"Documents Required for Claim Processing:\n1. Claim Form,\n2. Goods / Lorry Receipt from transporter – original,\n3. Monetary Claim letter sent to Transporter - along with postal receipt / ack from transporter,\n4. Damage Certificate duly signed by consignee consignor, Transporter,\n5. Packing List / Invoice / eway bill,\n6. Weigh Bridge Slip / documentary proof to establish compliance of Warranty,\n7. Letter of Subrogation,\n8. KYC documents PAN, ROC certificate, Aadhar, GST Registration Cert Etc.,\n9. Any other Documents like FIR / FR/BL, BOE etc., based on nature of claim,\n10. Turn Around Time for claims settlement is 21 working Days","sources":[{"clause":null,"heading":"Multiple policies involving Bank or other lending or financing entity","page":59,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-multiple-policies-involving-bank-or-other-lendin"}],"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":"Turn Around Time for claims settlement is 21 working Days. The start point for counting the 21 working Days is not stated.","display":"21 working Days","note":"The wording does not state whether the time runs from intimation, survey, or receipt of the last document.","quote":"Turn Around Time for claims settlement is 21 working Days","sources":[{"clause":null,"heading":"Multiple policies involving Bank or other lending or financing entity","page":59,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-multiple-policies-involving-bank-or-other-lendin"}],"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":["removal or disposal of obstructions, wrecks, cargoes or any other thing whatsoever","loss of life, personal injury or illness","pollution or contamination of any real or personal property or thing whatsoever","scraping grit blasting and/or other surface preparation or painting of the Vessel’s bottom","wages and maintenance of the Master, Officers and Crew","remuneration of the Assured for time and trouble taken to obtain and supply information or documents","war civil war revolution rebellion insurrection, or civil strife arising therefrom","strikers, locked out workmen, or persons taking part in labor disturbances, riots or civil commotions","any terrorist or any person acting from a political motive","the detonation of an explosive","any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter","Communicable Disease Loss","the use or operation, as a means for inflicting harm, of any computer"],"display":"Collision-liability exclusions, bottom treatment, crew wages, agency commission, war, strikes, terrorism, malicious acts, nuclear weapons, communicable disease loss and cyber harm","note":null,"quote":"8.4 Provided always that this Clause 8 shall in no case extend to any sum which the Assured shall pay for or in respect of 8.4.1 removal or disposal of obstructions, wrecks, cargoes or any other thing whatsoever 8.4.2 any real or personal property or thing whatsoever except other vessels or property on other vessels 8.4.3 the cargo or other property on, or the engagements of, the insured Vessel 8.4.4 loss of life, personal injury or illness 8.4.5 pollution or contamination of any real or personal property or thing whatsoever (except other vessels with which the insured Vessel is in collision or property on such other vessels). ... In no case shall a claim be allowed in respect of scraping grit blasting and/or other surface preparation or painting of the Vessel’s bottom except that ... No claim shall be allowed, other than in general average, for wages and maintenance of the Master, Officers and Crew, or any member thereof ... In no case shall any sum be allowed under this insurance either by way of remuneration of the Assured for time and trouble taken to obtain and supply information or documents ... In no case shall this insurance cover loss damage liability or expense caused by 23.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power ... In no case shall this insurance cover loss damage liability or expense caused by 24.1 strikers, locked out workmen, or persons taking part in labor disturbances, riots or civil commotions 24.2 any terrorist or any person acting from a political motive. ... In no case shall this insurance cover loss damage liability or expense arising from 25.1 the detonation of an explosive 25.2 any weapon of war and caused by any person acting maliciously or from a political motive. ... In no case shall this insurance cover loss damage liability or expense arising from any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. ... Notwithstanding any provision to the contrary in this (re)insurance, it is hereby agreed that this (re)insurance excludes absolutely all Communicable Disease Loss, save where the conditions of the Infected Individual Exception are met. ... Subject only to paragraph below, in no case shall this insurance cover loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer","sources":[{"clause":null,"heading":"8 3/4THS COLLISION LIABILITY","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-8-3-4ths-collision-liability"},{"clause":null,"heading":"15 BOTTOM TREATMENT","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-15-bottom-treatment"},{"clause":null,"heading":"16 WAGES AND MAINTENANCE","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-16-wages-and-maintenance"},{"clause":null,"heading":"17 AGENCY COMMISSION","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-17-agency-commission"},{"clause":null,"heading":"23 WAR EXCLUSION","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-23-war-exclusion"},{"clause":null,"heading":"24 STRIKES EXCLUSION","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-24-strikes-exclusion"},{"clause":null,"heading":"25 MALICIOUS ACTS EXCLUSION","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-25-malicious-acts-exclusion"},{"clause":null,"heading":"26 NUCLEAR EXCLUSION","page":14,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-26-nuclear-exclusion"},{"clause":"1.5","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-1-5"}],"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":"The insured may contact the company through its website, toll free number, email or the Grievance Cell, and should write to customercare@cholams.murugappa.com to register a complaint. If dissatisfied or there is delay of greater than 7 working days, escalation is to the Nodal Officer, then the Chief Grievance Officer, before approaching the Insurance Ombudsman.","display":"Company/customercare first; then Nodal Officer; then Chief Grievance Officer; then Insurance Ombudsman","note":null,"quote":"In case of any grievance the insured person may contact the company through WEBSITE: www.cholainsurance.com Toll free: 1800 208 9100 E-MAIL: customercare@cholams.murugappa.com\nCourier: Manager, Grievance Cell, Chola MS General Insurance Company Limited, Hari Nivas Towers First Floor, #163, Thambu Chetty Street, Parry's Corner, Chennai - 600 001 ... Please write to customercare@cholams.murugappa.com to register your complaint. ... In case you are not happy with the resolution provided or delay of greater than 7 working days, you may follow the below escalation matrix. ... In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer - Nodalescalation@cholams.murugappa.com ... In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com ... If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"GRIEVANCES","page":59,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-grievances"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":60,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":60,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-escalation-matrix"}],"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":["perils of the seas rivers lakes or other navigable waters","fire, explosion","Violent theft by persons from outside the Vessel","Jettison","Piracy","Breakdown of or accident to nuclear installations or reactors","contact with aircraft or similar objects, or objects falling therefrom, land conveyance, dock or harbour equipment or installation","Earthquake volcanic eruption or lightning","accidents in loading discharging or shifting cargo or fuel","bursting of boilers breakage of shafts or any latent defect in the machinery or hull","negligence of Master Officers Crew or Pilots","negligence of repairers or charterers","barratry of Master Officers or Crew","pollution hazard","3/4THS COLLISION LIABILITY"],"display":"Seas and navigable waters, fire/explosion, violent theft, jettison, piracy, nuclear installation accident, contact, earthquake/volcanic eruption/lightning, loading accidents, machinery or hull defects, negligence, barratry, pollution hazard and 3/4ths collision liability","note":"Some listed library endorsements may amend violent theft, piracy and barratry cover depending on clauses attached to the policy.","quote":"6.1 This insurance covers loss of or damage to the subject matter insured caused by 6.1.1 perils of the seas rivers lakes or other navigable waters 6.1.2 fire, explosion 6.1.3 Violent theft by persons from outside the Vessel 6.1.4 Jettison 6.1.5 Piracy 6.1.6 Breakdown of or accident to nuclear installations or reactors 6.1.7 contact with aircraft or similar objects, or objects falling therefrom, land conveyance, dock or harbour equipment or installation 6.1.8 Earthquake volcanic eruption or lightning. 6.2 This insurance covers loss of or damage to the subject matter insured caused by 6.2.1 accidents in loading discharging or shifting cargo or fuel 6.2.2 bursting of boilers breakage of shafts or any latent defect in the machinery or hull 6.2.3 negligence of Master Officers Crew or Pilots 6.2.4 negligence of repairers or charterers provided such repairers or charterers are not an Assured hereunder 6.2.5 barratry of Master Officers or Crew, provided such loss or damage has not resulted from want of due diligence by the Assured, Owners or Managers. ... This insurance covers loss of or damage to the Vessel caused by any governmental authority acting under the powers vested in it to prevent or mitigate a pollution hazard, or threat thereof ... 8 3/4THS COLLISION LIABILITY","sources":[{"clause":null,"heading":"6 PERILS","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-6-perils"},{"clause":null,"heading":"7 POLLUTION HAZARD","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-7-pollution-hazard"},{"clause":null,"heading":"8 3/4THS COLLISION LIABILITY","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-8-3-4ths-collision-liability"}],"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 deductible clause says the amount is 'as specified in the POLICY', but the specimen schedule leaves DEDUCTIBLE blank.","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":"conflicting","value":"Retail wording says the insured can cancel at any time by informing the Company, and the company shall refund proportion premium for the unexpired policy period if the term is up to one year and no claim has been made. Another wording uses a short-period table for cancellation by the insured.","display":"Proportion premium for unexpired policy period if term up to one year and no claim; another wording has a short-period table","note":"Document 1 prints a short-period table: 'Up to 1 month' 20%, 'Up to 2 months' 30%, up to 'More than 8 months' 100%, while the retail wording prints proportion premium for the unexpired period.","quote":"The insured can cancel the policy at any time during the term, by informing the Company. The Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the insured.\n2. The company shall refund proportion premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. ... Return or charge difference between premium received and premium corresponding to expired period calculated with the table below if this insurance be cancelled by the Person(s) effecting the insurance.","sources":[{"clause":null,"heading":"4 TERMINATION","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-4-termination"},{"clause":null,"heading":"Article 2","page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5204#c-article-2-2"}],"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":"For the Navigation Limitations for Hull War, Strikes, Terrorism and Related Perils clause, coverage extends worldwide, but the vessel must not enter, sail for or deviate towards listed countries, places or waters unless otherwise agreed.","display":"Worldwide for Hull War, Strikes, Terrorism and Related Perils, subject to listed areas unless agreed","note":"The base schedule contains a blank TRADING WARRANTY and separate Institute Warranties with excluded waters and seasons; this answer quotes the worldwide wording in the navigation limitation clause.","quote":"This coverage shall extend worldwide, but, unless and to the extent otherwise agreed by the Insurers in accordance with Clause 2, the vessel or craft insured hereunder shall not enter sail for or deviate towards the Territorial Waters of any of the Countries or places, or any other waters described in the Listed Areas as set out below in Clause 3.","sources":[{"clause":null,"heading":"1. NAVIGATION PROVISIONS","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-1-navigation-provisions"}],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"not-applicable","value":null,"display":null,"note":"This is hull and machinery insurance for a vessel, not cargo transit insurance by sea, air, rail, road or courier.","quote":null,"sources":[],"law":[]},{"key":"basis_of_valuation","label":"Basis of valuation","section":"Cover","meaning":"How goods are valued for a claim.","status":"quote-verified","value":"For unrepaired damage, indemnity is the reasonable depreciation in the market value of the vessel at the time the insurance terminates, capped at the reasonable cost of repairs. For constructive total loss, the insured value is taken as the repaired value.","display":"Unrepaired damage: reasonable depreciation in market value, capped at repair cost; CTL: insured value as repaired value","note":null,"quote":"The measure of indemnity in respect of claims for unrepaired damage shall be the reasonable depreciation in the market value of the Vessel at the time this insurance terminates arising from such unrepaired damage, but not exceeding the reasonable cost of repairs. ... In ascertaining whether the Vessel is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the Vessel or wreck shall be taken into account.","sources":[{"clause":null,"heading":"18 UNREPAIRED DAMAGE","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-18-unrepaired-damage"},{"clause":null,"heading":"19 CONSTRUCTIVE TOTAL LOSS","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-19-constructive-total-loss"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The schedule provides section-wise sum insured, and the wording refers to the agreed valuation of Hull and Machinery and insured value. Leased equipment is included in the agreed valuation of Hull unless directly related to propulsion, when it is included in the agreed valuation of Machinery.","display":"Section-wise sum insured in schedule; agreed valuation of Hull and Machinery","note":"The specimen schedule does not print actual sum insured amounts.","quote":"SUM INSURED DETAILS | : SECTION | : SUM INSURED ... All such equipment or apparatus installed on the vessel but not owned by the Assured shall be included in the agreed valuation of the Hull & c., unless its function is directly related to the propulsion of the vessel in which event such equipment and apparatus shall be included in the agreed valuation of Machinery.","sources":[{"clause":"Schedule","heading":null,"page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-schedule"},{"clause":null,"heading":"2 LEASED EQUIPMENT CLAUSE","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-2-leased-equipment-clause"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"General average, salvage and sue-and-labour amounts can be reduced for under-insurance. If the vessel is insured for less than its sound value, the recoverable amount is reduced in proportion to the under-insurance; for multiple policies with a bank or lender, underinsurance is applied on an overall basis across all policies and the value at risk.","display":"Claims/expenses reduced in proportion to under-insurance; multiple policies use overall basis","note":null,"quote":"This insurance covers the Vessel’s proportion of salvage, salvage charges and/or general average, reduced in respect of any under-insurance ... but if the Vessel be insured for less than its sound value at the time of the occurrence giving rise to the expenditure, the amount recoverable under this clause shall be reduced in proportion to the under-insurance. ... Underinsurance will be applied on an overall basis taking into consideration the sum insured under all policies and comparing it with the value at risk.","sources":[{"clause":null,"heading":"11 GENERAL AVERAGE AND SALVAGE","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-11-general-average-and-salvage"},{"clause":null,"heading":"13 DUTY OF ASSURED (SUE AND LABOUR)","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-13-duty-of-assured-sue-and-labour"},{"clause":null,"heading":"Multiple policies involving Bank or other lending or financing entity","page":59,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205#c-multiple-policies-involving-bank-or-other-lendin"}],"law":[]}],"documents":[{"kind":"wording","label":"Marine Hull Policy wording V3.pdf","pages":83,"fetched_at":"2026-10-17 19:45:39+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Marine%20Hull%20Policy%20wording%20V3.pdf/306ea64c-8c16-7059-8375-b3216cd8fbf6","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5204"},{"kind":"wording","label":"Marine Hull Insurance (Retail) - Policy Wording.pdf","pages":62,"fetched_at":"2026-10-17 19:45:41+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Marine%20Hull%20Insurance%20(Retail)%20-%20Policy%20Wording.pdf/53879cda-38ea-82dd-0771-301059078baa","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5205"},{"kind":"prospectus","label":"Prospectus-Marine Hull and Machinery Insurance(Retail).pdf","pages":4,"fetched_at":"2026-10-17 19:45:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Marine%20Hull%20and%20Machinery%20Insurance(Retail).pdf/08a41ea7-2434-f32a-4b97-5e3888289b25","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5176"},{"kind":"cis","label":"CIS-Marine Hull and Machinery Insurance.pdf","pages":4,"fetched_at":"2026-10-17 19:43:16+00","source_url":"https://www.cholainsurance.com/documents/20121/o/CIS-Marine%20Hull%20and%20Machinery%20Insurance.pdf/8dd8af31-6baa-6b2d-bded-949afab91c2a","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203/document/5061"}],"versions":[{"uin":"IRDAN123RP0026V02200203","version":null,"approved_on":null},{"uin":"IRDAN123P0026V01200203","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":"Marine Hull and Machinery Insurance (UIN IRDAN123P0026V01200203), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/marine-hull-and-machinery-insurance-irdan123p0026v01200203"}