{"uin":"IRDAN125RP0003V01201011","name":"Event Cancellation","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011","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":"2009-10-14","withdrawn_on":null,"summary":"Event Cancellation Policy indemnifies the Assured for Ascertained Net Loss when scheduled insured events are necessarily cancelled, abandoned, postponed, interrupted, curtailed or relocated due to insured perils. It can be issued for an individual event, a tour with numerous individual events, or annually with each event declared separately.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:44:39.03274+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be issued for an individual event, a tour with numerous individual events, or on an annual basis where each event is declared separately.","display":"Individual event, tour with numerous individual events, or annual basis where each event is declared separately","note":"From the prospectus; the policy wording otherwise refers to the Period of Insurance stated in the Schedule.","quote":"The policy can be issued to an individual event, a tour with numerous individual events, or on an annual basis where each event is declared separately.","sources":[{"clause":null,"heading":"Policy Features","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6751#c-policy-features"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The Assured must, as a matter of urgency, give notice by the most expeditious means of any circumstance that could give rise to a claim and confirm the facts in writing as soon as possible.","display":"As a matter of urgency by the most expeditious means; confirm facts in writing as soon as possible","note":null,"quote":"as a matter of urgency give notice by the most expeditious means of the happening of any circumstance, to the name(s) designated in the attached Schedule; ... confirm the facts in writing as soon as possible, with as much information as available;","sources":[{"clause":"8.1","heading":"(8.1.1) as a matter of urgency give notice by the most expeditious","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-8-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["all documentation and records necessary to establish and assess indemnity hereunder and copies or extracts as may be required","any letter, writ or other document received in connection with any claim made under this Insurance","a signed and sworn proof of loss"],"display":"All documentation and records necessary to establish and assess indemnity, any letter/writ/other claim document, and a signed and sworn proof of loss","note":null,"quote":"all documentation and records necessary to establish and assess indemnity hereunder and copies or extracts as may be required; ... forward immediately to the Underwriters or their representatives any letter, writ or other document received in connection with any claim made under this Insurance. ... a signed and sworn proof of loss","sources":[{"clause":"8.1","heading":"(8.1.1) as a matter of urgency give notice by the most expeditious","page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-8-1"},{"clause":"8.3","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-8-3"}],"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":"The CIS states that surveyor appointment is 24 hours from claim intimation, survey report is 15 days from allotment of survey, and decision of claim to insured is 7 days from survey report.","display":"Decision of claim to insured - 7 days from survey report; surveyor appointment - 24 hours from claim intimation; survey report - 15 days from allotment of survey","note":"From the CIS; the policy wording does not print a claim-decision time.","quote":"Turn Around Time (TAT) in working hours/ days for claims settlement 1. Surveyor appointment- 24 hours from claim intimation 2. Survey report- 15 days from allotment of survey 3. Decision of claim to insured - 7 days from survey report","sources":[{"clause":null,"heading":"HDFC ERGO General Insurance Company Limited Customer Information Sheet Event Cancellation Policy","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6632#c-hdfc-ergo-general-insurance-company-limited-cust-2"}],"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":["DEATH, ACCIDENT, ILLNESS of any individual person other than any Insured Person","non-appearance at an Insured Performance or Event of any individual, other than an Insured Person","non-appearance at an Insured Performance or Event of any Insured Person due to specified personal incapacity causes","the Assured's or any Insured Person's lack of care, diligence or prudent behaviour","the illegal possession or illicit taking of drugs and their effects","any contractual dispute or breach by the Assured or any Insured Person","alterations or variance of Insured Performance(s) or Event(s) without the prior approval of the Underwriters","adverse weather in respect of outdoor performances","any Performance(s) or Event(s) in the open or under canvas or in a temporary structure unless expressly agreed by the Underwriters in writing","Expenses which have not been declared to and agreed by the Underwriters","any fraud, misrepresentation or concealment by the Assured or any Insured Person","actual or threatened war, invasion, act of foreign enemies, hostilities","civil commotion assuming the proportions of or amounting to a popular uprising","any communicable disease or threat or fear of communicable disease","any act of terrorism and/or the threat thereof"],"display":"Death/accident/illness of non-insured persons, non-appearance, lack of care, drugs, breach of contract, unauthorised alterations, adverse weather for outdoor performances, temporary/open structures unless agreed, undeclared expenses, fraud, war, civil commotion, communicable disease, and terrorism","note":null,"quote":"DEATH, ACCIDENT, ILLNESS of any individual person other than any\nInsured Person. ... non-appearance at an Insured Performance or Event of any individual, other than an Insured Person. ... non-appearance at an Insured Performance or Event of any Insured Person due to: ... the Assured's or any Insured Person's lack of care, diligence or prudent behaviour ... the illegal possession or illicit taking of drugs and their effects. ... any contractual dispute or breach by the Assured or any Insured Person. ... alterations or variance of Insured Performance(s) or Event(s) without the prior approval of the Underwriters. ... adverse weather in respect of outdoor performances. ... any Performance(s) or Event(s) in the open or under canvas or in a temporary structure unless expressly agreed by the Underwriters in writing. ... Expenses which have not been declared to and agreed by the\nUnderwriters. ... any fraud, misrepresentation or concealment by the Assured or any Insured Person. ... actual or threatened war, invasion, act of foreign enemies, hostilities ... civil commotion assuming the proportions of or amounting to a popular uprising ... any communicable disease or threat or fear of communicable disease ... any act of terrorism and/or the threat thereof","sources":[{"clause":"7.1","heading":"DEATH, ACCIDENT, ILLNESS of any individual person other than any","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-1"},{"clause":"7.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-2"},{"clause":"7.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-3"},{"clause":"7.4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-4"},{"clause":"7.5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-5"},{"clause":"7.6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-6"},{"clause":"7.7","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-7"},{"clause":"7.8","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-8"},{"clause":"7.9","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-9"},{"clause":"7.11","heading":"Expenses which have not been declared to and agreed by the","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-11"},{"clause":"7.14","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-14"},{"clause":"7.15","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-15"},{"clause":"7.16","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-16"},{"clause":"7.25","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-25"},{"clause":"7.26","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-7-26"}],"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 the Grievance Redressal Officer through the listed call centre, grievance email, senior-citizen contact, website, courier or branch C&G Cell. If not satisfied, contact the Head of Customer Service, and then write to the Chief Grievance Officer before approaching external routes.","display":"Grievance Redressal Officer, then Head of Customer Service / C&G Cell, then Chief Grievance Officer","note":null,"quote":"Our Grievance Redressal Officer If you have a grievance that you wish us to redress, you may contact us with the details of your grievance through:\nOur Grievance Redressal Officer\n• Call Centre - 120 6234 6234 / 022-6234 6234\n• Emails – grievance@hdfcergo.com ... If you are not satisfied with our redressal of your grievance through one of the above methods, you may contact our Head of Customer Service ... 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 at the following address","sources":[{"clause":"8.4(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-8-4-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":["DEATH of any Insured Person","ACCIDENT to or ILLNESS of any Insured Person","UNAVOIDABLE TRAVEL DELAY","DAMAGE to or DESTRUCTION of the Venue","NATIONAL MOURNING","ANY OTHER PERIL not listed in section 2.1, 2.2, 2.3, 2.4 and 2.5"],"display":"Death; accident or illness; unavoidable travel delay; damage to or destruction of the venue; national mourning; any other peril not listed in 2.1 to 2.5","note":"These perils are covered only if stated in the Schedule.","quote":"2 PERILS (only insured if stated in the Schedule) ... DEATH of any Insured Person. ... ACCIDENT to or ILLNESS of any Insured Person ... UNAVOIDABLE TRAVEL DELAY ... DAMAGE to or DESTRUCTION of the Venue ... NATIONAL MOURNING. ... ANY OTHER PERIL not listed in section 2.1, 2.2, 2.3, 2.4 and 2.5","sources":[{"clause":"2","heading":"PERILS (only insured if stated in the Schedule)","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2"},{"clause":"2.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-1"},{"clause":"2.2","heading":"ACCIDENT to or ILLNESS of any Insured Person which, in the opinion of an","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-2"},{"clause":"2.3","heading":"UNAVOIDABLE TRAVEL DELAY as a result of travel arrangements being","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-3"},{"clause":"2.4","heading":"DAMAGE to or DESTRUCTION of the Venue at which the Insured","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-4"},{"clause":"2.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-5"},{"clause":"2.6","heading":"ANY OTHER PERIL not listed in section 2.1, 2.2, 2.3, 2.4 and 2.5 and not","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-2-6"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The policy says deductible(s) stated in the Schedule shall be borne by the Assured, but no deductible amount is printed in the provided documents.","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":"For retail customers, the insured can cancel at any time during the policy term and the company refunds proportion premium for the unexpired policy period, subject to no claims during the policy period. For commercial customers, the insurance is non-cancellable and there is no return of premium unless otherwise stated in the schedule.","display":"Retail: proportion premium for unexpired policy period if no claims; Commercial: non-cancellable and no return of premium unless stated in the schedule","note":null,"quote":"For Retail Customers:\nThe Insured can cancel the policy at any time during the policy term, by informing the Company. ... The Company shall refund proportion premium for unexpired policy period subject to no claim(s) made during the policy period.\nFor Commercial customers:\nThis insurance is non-cancellable and there can be no return of premium unless otherwise stated in the schedule.","sources":[{"clause":"6.8","heading":"Cancellation","page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-6-8"}],"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 defines the venue as the place(s) stated in the Schedule, but no geographic area of cover is printed in the provided documents.","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 indemnifies the Assured for Ascertained Net Loss if scheduled insured performances or events are necessarily cancelled, abandoned, postponed, interrupted, curtailed or relocated due to insured perils. It also indemnifies proven additional costs or charges reasonably and necessarily paid to avoid or diminish an insured loss.","display":"Ascertained Net Loss from cancellation, abandonment, postponement, interruption, curtailment or relocation of scheduled insured events, plus proven additional costs to avoid or diminish the loss","note":null,"quote":"This Insurance is to indemnify the Assured for their Ascertained Net Loss should any Insured Performance(s) or Event(s) specified in the Schedule be necessarily Cancelled, Abandoned, Postponed, Interrupted, Curtailed or Relocated. ... This Insurance also indemnifies the Assured for proven additional costs or\ncharges reasonably and necessarily paid by the Assured to avoid or diminish a loss herein insured","sources":[{"clause":"1.1","heading":"Subject always to the terms, conditions, limitations and exclusions","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-1-1"},{"clause":"1.2","heading":"This Insurance also indemnifies the Assured for proven additional costs or","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850#c-1-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Event Cancellation Policy","pages":8,"fetched_at":"2026-10-17 19:52:31+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/policy-wordings/commercial-liabiltiy-docs/event-cancellation-policy/event-cancellation-policy-866939889181.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6850"},{"kind":"wording","label":"Event Cancellation Policy (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 00:14:44+00","source_url":"https://irdai.gov.in/documents/37343/993134/8_Event+Cancellation+-+Policy+Wording_GEN433.pdf/9a992ba0-fdcc-ec10-8bb1-8d6f25f57cbf?version=1.1&t=1668425327404&download=true","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/22888"},{"kind":"prospectus","label":"Event Cancellation","pages":4,"fetched_at":"2026-10-17 19:50:15+00","source_url":"https://customer-portal-assets.hdfcergo.com//documents/event-cancellation---prospectus-276783906520.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6751"},{"kind":"cis","label":"Event Cancellation","pages":5,"fetched_at":"2026-10-17 19:47:18+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/event-cancellation-299072221864.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011/document/6632"}],"versions":[{"uin":"HDE-OT-P11-08-V01-10-11","version":null,"approved_on":null},{"uin":"IRDAN125RP0003V01201011","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":"Event Cancellation (UIN IRDAN125RP0003V01201011), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/event-cancellation-irdan125rp0003v01201011"}