{"uin":"IRDAN125CP0001V01201112","name":"Cellular Network Policy","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112","insurer":{"slug":"hdfc-ergo-general-insurance","name":"HDFC ERGO General Insurance Company Limited","url":"https://indiainsurances.com/insurer/hdfc-ergo-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2012-03-09","withdrawn_on":null,"summary":"Cellular Network Policy covers material damage, data media, business interruption, third party liability and inland transit for insured property, data, liabilities and subject matter insured. Property loss must be notified within 24 hours after the damage becomes known, and cancellation by the insured uses a short-period refund scale if no claim has occurred.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:42:53.402471+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":"The wording lists coverage sections, not named plan variants.","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 wording refers to the Policy period and Period of Insurance but does not state a fixed term.","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":"For loss or damage to insured property, notify the Company within 24 hours after the damage has become known; if reported verbally, repeat the notice in writing within one week. For liability claims, give immediate written notice to the Company.","display":"Property loss: within 24 hours; verbal notice repeated in writing within one week. Liability claim: immediate written notice.","note":"Theft or burglary also requires immediate notification to the relevant authorities.","quote":"In case of loss or damage to insured property, to notify the Company within 24 hours of the damage has become known either by telephone, telegram/telex or registered letter. If the loss was reported verbally, notification must be repeated in writing immediately within one week. In case of theft or burglary, or attempted theft or burglary, the Insured shall also make an immediate notification to the relevant authorities (Police Report) ... To give immediate written notice to the Company of any claim made against the Insured (or any specific event or circumstance that may give rise to a claim being made against the Insured) and which forms the subject of indemnity under this Policy","sources":[{"clause":"6.1.8(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-a"},{"clause":"6.1.8(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-b"}],"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":["Police Report","Every claim, writ, summons or process","all documents relating to the event","all proof information and such other evidence with respect to the claims as Company may reasonably require"],"display":"Police Report; every claim, writ, summons or process; all documents relating to the event; proof information and evidence reasonably required.","note":null,"quote":"the Insured shall also make an immediate notification to the relevant authorities (Police Report) ... Every claim, writ, summons or process and all documents relating to the event shall be forwarded to the Company immediately they are received by the Insured. ... providing all proof information and such other evidence with respect to the claims as Company may reasonably require.","sources":[{"clause":"6.1.8(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-a"},{"clause":"6.1.8(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-b"},{"clause":"6.1.8(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-c"}],"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":"not-stated","value":null,"display":null,"note":"The wording does not state a time for deciding or paying claims.","quote":null,"sources":[],"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":["Parts and materials which are prone to heavy wear and tear and repeated or periodic exchange due to their specific function and composition","NIU's and Hand phones/ Handsets and equipments installed/ located in customers premises or in the custody of the customers.","Money, monetary instruments, evidence of debt, securities of all kinds, bullion, precious metal, stones, works of art, curios, artefacts, documents and manuscripts.","Data media which cannot be exchanged by the user","Consequential loss of any kind or description whatsoever","Interconnectivity problems between networks including via satellites.","Loss damage or expense proximately caused by delay","War, invasion, act of foreign enemy, hostilities or war like operations","Pollution, seepage or contamination howsoever caused","Wilful act or gross negligence on the part of the Insured or one of his representatives.","loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism"],"display":"Wear-and-tear parts; customer premises handsets/equipment; money and securities; non-exchangeable data media; consequential loss; network interconnectivity problems; delay; war; pollution; wilful act or gross negligence; terrorism.","note":null,"quote":"Parts and materials which are prone to heavy wear and tear and repeated or periodic exchange due to their specific function and composition ... NIU's and Hand phones/ Handsets and equipments installed/ located in customers premises or in the custody of the customers. ... Money, monetary instruments, evidence of debt, securities of all kinds, bullion, precious metal, stones, works of art, curios, artefacts, documents and manuscripts. ... Data media which cannot be exchanged by the user ... Consequential loss of any kind or description whatsoever ... Interconnectivity problems between networks including via satellites. ... Loss damage or expense proximately caused by delay ... War, invasion, act of foreign enemy, hostilities or war like operations ... Pollution, seepage or contamination howsoever caused ... Wilful act or gross negligence on the part of the Insured or one of his representatives. ... loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism","sources":[{"clause":"1.5.1","heading":"Property excluded","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-1-5-1"},{"clause":"2.4.1","heading":"Property Excluded","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-2-4-1"},{"clause":"3.2.5(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-3-2-5-g"},{"clause":"5.2.3","heading":"Loss damage or expense proximately caused by delay, even though the","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-5-2-3"},{"clause":"6.3.1","heading":"The Company shall not be liable under this Policy for any loss destruction","page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-3-1"},{"clause":"6.3.2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-3-2-a"}],"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 HDFC ERGO through the listed phone numbers, care@hdfcergo.com, or the grievance cell of any branch office. Escalation is to grievance@hdfcergo.com and then cgo@hdfcergo.com before approaching the Insurance Ombudsman.","display":"First contact HDFC ERGO by phone, care@hdfcergo.com or branch grievance cell; escalate to grievance@hdfcergo.com and cgo@hdfcergo.com.","note":null,"quote":"If You have a grievance that You wish Us to redress, You may contact Us with the details of Your grievance through: ... Contacts us at | 022 6158 2020/ 022 6234 6234 | NA | NA\nWrite to us at | care@hdfcergo.com | grievance@hdfcergo.com | cgo@hdfcergo.com\nVisit us | Grievance cell of any of our Branch office | The Grievance Cell, HDFC ERGO General Insurance Company Ltd., D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West) Mumbai-400078 | Chief Grievance Officer, HDFC ERGO General Insurance Company Ltd., D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai-400078\nii. If You are not satisfied with Our redressal of Your grievance through one of the above methods, You may approach the nearest Insurance Ombudsman for resolution of Your grievance.","sources":[{"clause":null,"heading":"Grievance Redressal Procedure","page":10,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-grievance-redressal-procedure"}],"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":["accidental physical loss destruction or damage","theft by visible physical and forcible means","Fire, explosion (other than by firearms or explosives or weapons), implosion, a direct stroke of lightning","Crash of a manned/unmanned man-made flying object","Flood, storm, hurricane, typhoon, cyclone, tornado, hail, avalanche, frost, ice drift","Earthquake, volcanic eruption, seaquake or tsunami, tide, rock slide","Negligence, untrained or improper handling, operational errors","Intentional damage by third parties malicious intent","Strike, lock-out, riot, civil commotion","Technology Errors in construction, material defects, manufacturing discrepancies, overvoltage, induction, damage through indirect lightning","Loss of Gross Profit","Legal liability for accidental loss or damage caused to property of other persons","all risks of loss of or damage to the subject matter insured except as provided"],"display":"Accidental physical loss or damage, theft by visible physical and forcible means, fire/explosion/lightning, aircraft crash, natural perils, human causes, technology causes, loss of gross profit, third-party property liability and inland transit all risks.","note":"Coverage is subject to the exclusions and to the insured sections selected in the schedule.","quote":"accidental physical loss destruction or damage ... theft by visible physical and forcible means ... Fire, explosion (other than by firearms or explosives or weapons), implosion, a direct stroke of lightning ... Crash of a manned/unmanned man-made flying object ... Flood, storm, hurricane, typhoon, cyclone, tornado, hail, avalanche, frost, ice drift Earthquake, volcanic eruption, seaquake or tsunami, tide, rock slide ... Negligence, untrained or improper handling, operational errors ... Intentional damage by third parties malicious intent ... Strike, lock-out, riot, civil commotion ... Technology Errors in construction, material defects, manufacturing discrepancies, overvoltage, induction, damage through indirect lightning ... The insurance is limited to loss of Gross Profit ... Legal liability for accidental loss or damage caused to property of other persons ... This insurance covers all risks of loss of or damage to the subject matter insured except as provided","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-s1"},{"clause":"3.2.1","heading":"Profits Lost","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-3-2-1"},{"clause":"Section 4","heading":"THIRD PARTY LIABILITY","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-4"},{"clause":"Section 5","heading":"INLAND TRANSIT","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-5"}],"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 wording says the first amounts of each loss are borne by the insured as appearing in the policy schedule, but the schedule amount is not provided.","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":"quote-verified","value":"The insured may cancel by giving 14 days' written notice. If no claim has occurred up to cancellation, the Company retains premium at short-period scales and refunds 75% for risk not exceeding 1 month, 50% for 3 months, 25% for 6 months and Nil when exceeding six months.","display":"14 days' notice; refund scale if no claim: 1 Month 75%, 3 Months 50%, 6 Months 25%, Exceeding Six Months Nil.","note":null,"quote":"The Insured may also give 14 days notice in writing, to the Company, for the cancellation of this policy, in which case Company shall retain premium for the period this policy has been in force at the Company's short period scales (Table given here below), provided no claim has occurred up to the date of cancellation of this policy. ... Period of Risk (Not exceeding) | Refund of Annual Premium Rate (%) ... 1 Month | 75%\n3 Months | 50% ... 6 Months | 25% ... Exceeding Six Months | Nil","sources":[{"clause":"6.1.8","heading":"Cancellation of the Policy","page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8"},{"clause":"6.1.8(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-e"},{"clause":"6.1.8(f)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-f"},{"clause":"6.1.8(g)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-6-1-8-g"}],"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 insured locations and territorial limits in the schedule, but does not state the geographic territory in the provided wording. Third-party liability separately requires the cause of action to arise in India.","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 insures real property such as buildings, contents, machinery and accessories at insured locations, data media and data, loss of gross profit from indemnifiable physical damage, third-party legal liability, and inland-transit subject matter insured.","display":"Real property, data media and data, loss of gross profit, third-party legal liability and inland-transit subject matter insured.","note":"The subject insured depends on the applicable coverage section and schedule.","quote":"all real property (other than such specifically excluded herein) owned by the Insured, being buildings and contents including machinery & accessories; goods in consignment or held in trust or on lease or paid awaiting delivery; as itemised in this Schedule and Annexure ... All Data Media and Data throughout the insured premises including at the backup storage facilities as itemized in the Schedule and declared for insurance ... The Loss of Gross Profit the Insured due to a physical damage ... Legal liability for accidental loss or damage caused to property of other persons ... Legal liability (liability under contract excepted) for fatal or non-fatal injury to any persons other than the Insured's own employees ... all risks of loss of or damage to the subject matter insured except as provided in Clauses 2, 3 and 4 below.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-s1"},{"clause":"Section 2","heading":"DATA MEDIA","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-2"},{"clause":"Section 3","heading":"BUSINESS INTERRUPTION","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-3"},{"clause":"Section 4","heading":"THIRD PARTY LIABILITY","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-4"},{"clause":"Section 5","heading":"INLAND TRANSIT","page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894#c-section-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Cellular Network Policy","pages":13,"fetched_at":"2026-10-17 19:53:19+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/cellular-network-policy-wording-515137180235.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/6894"},{"kind":"wording","label":"Cellular Network Policy (IRDAI copy)","pages":29,"fetched_at":"2026-10-20 00:14:48+00","source_url":"https://irdai.gov.in/documents/37343/993134/29_Cellular+Network+Insurance-Policy+Wording_GEN542.pdf/74ec033f-91fc-53bd-f70f-96e62b693c03?version=1.1&t=1668251974532&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112/document/22891"}],"versions":[{"uin":"HDE-OT-P12-68-V01-11-12","version":null,"approved_on":null},{"uin":"IRDAN125CP0001V01201112","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"HDFC ERGO General Insurance official website","url":"https://www.hdfcergo.com/","note":"Buy directly from the insurer."},{"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":"insurer","name":"Claim intimation and process","url":"https://www.hdfcergo.com/claim/register-bike-insurance-claim/cashless-claims","note":null},{"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":"insurer","name":"Grievance redressal","url":"https://www.hdfcergo.com/customer-voice/grievances","note":null},{"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."},{"purpose":"renew","kind":"insurer","name":"Renew car insurance","url":"https://www.hdfcergo.com/renew-car-insurance","note":null}],"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":"Cellular Network Policy (UIN IRDAN125CP0001V01201112), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/cellular-network-policy-irdan125cp0001v01201112"}