{"uin":"IRDAN125RP0002V01201112","name":"Baggage insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112","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":"2012-03-28","withdrawn_on":null,"summary":"Baggage Insurance indemnifies the insured for accompanied personal baggage lost, destroyed or damaged by fire, Riot and Strike, Terrorist Activity, Theft or Accident while travelling on tour or holiday. Claims require immediate written notice and a detailed written statement within 14 days, and cancellation by the insured gives proportionate premium refund for the unexpired period if no claim has been made.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:42:19.123136+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":"No named plan variants are stated in the documents.","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 only to the period stated in the Schedule or any renewal/extension period, but no fixed policy term 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 written notice to the nearest office, with a copy to the policy issuing office, and a police complaint forthwith. A detailed written statement of loss or damage must be delivered within 14 days of the date the event came to the insured's knowledge.","display":"Immediate written notice; detailed statement within 14 days","note":null,"quote":"The insured shall give immediate notice thereof in writing to the nearest office with a copy to the Policy issuing office of the Company as well as lodge forthwith a complaint with the Police. ... The Insured shall deliver to the Company, within 14 days of the date on which the event shall have come to his knowledge, a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained.","sources":[{"clause":"17(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-a"},{"clause":"17(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-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":["complaint with the Police","notify the Railways, Steamship Company, Airline, Hotel Proprietors, or the Authority in whose care the baggage was","a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained","all reasonable information, assistance and proofs","Affidavit or Statutory Declaration in substantiation of such claim, if required"],"display":"Police complaint; notice to carrier/hotel/authority; detailed written statement with estimate; information, assistance and proofs; affidavit or statutory declaration if required","note":null,"quote":"lodge forthwith a complaint with the Police. The insured must also notify the Railways, Steamship Company, Airline, Hotel Proprietors, or the Authority in whose care the baggage was at the time of the happening of any loss or damage. ... a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained.\nThe Insured shall tender to the Company all reasonable information, assistance and proofs in connection with any claim hereunder and shall, if required make an Affidavit or Statutory Declaration in substantiation of such claim.","sources":[{"clause":"17(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-a"},{"clause":"17(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-b"}],"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":"Surveyor appointment within 24 hours from claim intimation, survey report within 15 days from allotment of survey, and decision of claim to insured within 7 days from survey report.","display":"Surveyor appointment: 24 hours from claim intimation; survey report: 15 days from allotment of survey; decision of claim: 7 days from survey report","note":"Stated in the Customer Information Sheet; the policy wording does not print a claim settlement time.","quote":"Turn Around Time (TAT) in working hours / days - Surveyor appointment- 24 hours from claim intimation - Survey report- 15 days from allotment of survey - Decision of claim to insured - 7 days from survey report","sources":[{"clause":"17(b)(iii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6709#c-17-b-iii"}],"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":["Any loss or damage occurring during routine travel.","Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin or insects if mildew or any other gradually operating cause.","Breakage, cracking or scratching of Crockery, Glass, Cameras, Binoculars, lenses, Sculptures, curios Pictures, Musical Instruments, Sports gear, and Similar articles of brittle and fragile nature, unless caused by fire or accident to the means of conveyance.","Loss or damage caused by mechanical or electrical derangement /breakdown, of any article, unless caused by accidental, external means.","Loss or damage to Money, Securities, Manuscripts, deed, bonds, Bills of Exchange, Promissory Notes, Stocks or share Certificates, stamps and travel tickets or travellers cheques, business books or documents, weapons and explosive of all kind.","Theft from any car except car if fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened.","Loss of/ or damage to articles which did not form part of the baggage when the journey commenced unless specifically declared and accepted by the Company.","Loss destruction of or damage to articles of consumable and of perishable nature.","Loose articles such as sticks Umbrellas, Sun shades, fans, Deck Chairs, property in use on the voyage, and/ or journey, or articles whilst being worn on the person or carried about.","Loss or damage, whether direct, arising from War, War-like operations, Act of Foreign Enemy, Hostilities (Whether war be declared or not) Civil War, Rebellion, Insurrection, Civil Commotion, Military or usurped Power, Seizure Capture, Confiscation, Arrests Restraints and Detainment by order of any Government or any other authority","Any loss or damage arising through delay, detention or confiscation by Customs or other authorities.","Consequential Loss or legal liability of any kind.","Acts of Terrorism."],"display":"Routine travel; cleaning/repair/wear and tear; fragile articles unless caused by fire or conveyance accident; mechanical or electrical breakdown; money and documents; theft from cars not securely locked saloon cars; articles not part of baggage when journey commenced; consumables/perishables; loose or worn/carried articles; war and allied perils; customs delay/detention/confiscation; consequential loss/legal liability; acts of terrorism","note":"The insuring clause lists Terrorist Activity as a covered peril, while exclusion 17 excludes loss or damage connected with action taken in respect of any act of terrorism unless proved otherwise.","quote":"Any loss or damage occurring during routine travel. ... Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing or renovation or deterioration arising from wear and tear, moth, vermin or insects if mildew or any other gradually operating cause. ... Breakage, cracking or scratching of Crockery, Glass, Cameras, Binoculars, lenses, Sculptures, curios Pictures, Musical Instruments, Sports gear, and Similar articles of brittle and fragile nature, unless caused by fire or accident to the means of conveyance. ... Loss or damage caused by mechanical or electrical derangement /breakdown, of any article, unless caused by accidental, external means. ... Loss or damage to Money, Securities, Manuscripts, deed, bonds, Bills of Exchange, Promissory Notes, Stocks or share Certificates, stamps and travel tickets or travellers cheques, business books or documents, weapons and explosive of all kind. ... Theft from any car except car if fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened. ... Loss of/ or damage to articles which did not form part of the baggage when the journey commenced unless specifically declared and accepted by the Company. ... Loss destruction of or damage to articles of consumable and of perishable nature. ... Loose articles such as sticks Umbrellas, Sun shades, fans, Deck Chairs, property in use on the voyage, and/ or journey, or articles whilst being worn on the person or carried about. ... Loss or damage, whether direct, arising from War, War-like operations, Act of Foreign Enemy, Hostilities (Whether war be declared or not) Civil War, Rebellion, Insurrection, Civil Commotion, Military or usurped Power, Seizure Capture, Confiscation, Arrests Restraints and Detainment by order of any Government or any other authority ... Any loss or damage arising through delay, detention or confiscation by Customs or other authorities. ... Consequential Loss or legal liability of any kind. ... Acts of Terrorism.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-3"},{"clause":"4","heading":"Loss or damage caused by mechanical or electrical derangement","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-4"},{"clause":"6","heading":"Loss or damage to Money, Securities, Manuscripts, deed, bonds, Bills of","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-6"},{"clause":"8","heading":"Theft from any car except car if fully enclosed saloon type having at the time all","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-8"},{"clause":"9","heading":"Loss of/ or damage to articles which did not form part of the baggage when the","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-9"},{"clause":"10","heading":"Loss destruction of or damage to articles of consumable and of perishable","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-10"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-11"},{"clause":"12","heading":"Loss or damage, whether direct, arising from War, War-like operations, Act of","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-12"},{"clause":"13","heading":"Any loss or damage arising through delay, detention or confiscation by","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-13"},{"clause":"15","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-15"},{"clause":"17","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17"}],"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's Grievance Redressal Officer through the listed phone numbers, grievance email, website, branch or courier. If not satisfied, approach the Complaint & Grievance Redressal Cell or Head of Customer Service, and then the Chief Grievance Officer before the Insurance Ombudsman.","display":"Grievance Redressal Officer, then C&G Cell/Head of Customer Service, then Chief Grievance Officer","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:\n• Contact us- 022 6158 2020/ 022 6234 6234\n• Emails – grievance@hdfcergo.com ... You may also approach the Complaint & Grievance (C&G) Redressal Cell at any of our branches with the details of your grievance during our working hours from Monday to Friday.\nIf you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service at The Complaint & Grievance Redressal Cell ... In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can write to the Chief Grievance Officer of the Company","sources":[{"clause":"17(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-i"}],"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":["fire","Riot and Strike","Terrorist Activity","Theft","Accident"],"display":"Fire, Riot and Strike, Terrorist Activity, Theft or Accident","note":"Cover applies while the insured is travelling on tour and/or on holiday. Exclusion 17 separately excludes loss or damage connected with action taken in respect of any act of terrorism unless proved otherwise.","quote":"to indemnify the insured to the extent of the accompanied personal baggage of the insured or member (s) of his family, so lost, destroyed or damaged by fire, Riot and Strike, Terrorist Activity, Theft or Accident, anytime, the insured is travelling on tour and/or on holiday.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-s1"}],"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 Customer Information Sheet gives only a pointer: loss participation/excess/deductible is as per the policy schedule.","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 can cancel the policy at any time during the policy term by informing the Company. The Company shall refund proportion premium for the unexpired policy period, subject to no claim(s) made during the policy period.","display":"Proportion premium for unexpired policy period, if no claim(s) made","note":null,"quote":"The Insured can cancel the policy at any time during the policy term, by informing the Company.\nThe Company can cancel the policy only on the grounds of established fraud, by giving minimum notice of 7 days to the Insured.\nThe Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period.","sources":[{"clause":"17(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-17-b"}],"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":"Cover applies in all places and situations while the insured is travelling on tour and/or on holiday, during the period of insurance and within the limit stated in the Schedule.","display":"In all places and situations while travelling on tour and/or on holiday","note":null,"quote":"anytime, the insured is travelling on tour and/or on holiday. In all places and situations, during the period of this insurance and within the limit stated in the Schedule hereto","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-s1"}],"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 the accompanied personal baggage of the insured or member(s) of his family against loss, destruction or damage by specified perils while travelling on tour and/or on holiday.","display":"Accompanied personal baggage of the insured or member(s) of his family","note":null,"quote":"to indemnify the insured to the extent of the accompanied personal baggage of the insured or member (s) of his family, so lost, destroyed or damaged by fire, Riot and Strike, Terrorist Activity, Theft or Accident, anytime, the insured is travelling on tour and/or on holiday.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"Baggage Insurance","pages":5,"fetched_at":"2026-10-17 19:53:12+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/baggage-insurance-policy-125590929688.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6883"},{"kind":"wording","label":"Baggage Insurance (IRDAI copy)","pages":7,"fetched_at":"2026-10-20 00:14:50+00","source_url":"https://irdai.gov.in/documents/37343/993134/26_Baggage+Insurance_GEN539.pdf/d139c2e6-e75b-da38-6600-342f1a95931d?version=1.1&t=1668250410409&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/22892"},{"kind":"prospectus","label":"Baggage Insurance","pages":2,"fetched_at":"2026-10-17 19:51:10+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/baggage-insurance-773995172745.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6790"},{"kind":"cis","label":"Baggage insurance","pages":7,"fetched_at":"2026-10-17 19:49:11+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/docs/default-source/downloads/cis/other/baggageinsurance-388669709499.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112/document/6709"}],"versions":[{"uin":"HDE-OT-P12-75-V01-11-12","version":null,"approved_on":null},{"uin":"IRDAN125RP0002V01201112","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":"Baggage insurance (UIN IRDAN125RP0002V01201112), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/baggage-insurance-irdan125rp0002v01201112"}