{"uin":"IRDAN125RP0012V01200203","name":"Machinery Breakdown Insurance","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203","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":"engineering","category_name":"Engineering","irdai_type":null,"kind":"product","status":"active","approved_on":"2010-08-31","withdrawn_on":null,"summary":"Machinery Breakdown Insurance covers unforeseen and sudden physical damage to insured machinery or equipment at the covered location, subject to exclusions. The sum insured is required to equal replacement cost, and claims are reduced proportionately if the sum insured is less than the required amount.","analysis":{"state":"machine","analysed_at":"2026-10-20 09:15:57.504577+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 documents do not name any 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 only refers to the period of Insurance stated in the schedule or a subsequent renewal period.","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":"Immediately notify the Company by telephone or telegram as well as in writing, giving the nature and extent of loss or damage. The Company is not liable if no notice and completed claim form are received within Fourteen days of the occurrence.","display":"Immediately by telephone or telegram as well as in writing; notice and completed claim form within Fourteen days of occurrence","note":null,"quote":"Immediately notify the Company by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage; ... The Company shall not be liable for any loss or damage of which no notice and completed claim form have been received by the Company within Fourteen days of its occurrence.","sources":[{"clause":"10(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-10-a-4"},{"clause":"10(d)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-10-d-2"}],"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":["Policy/Underwriting documents.","Survey Report with Photographs wherever applicable","Claim Form, duly completed.","Log book / Asset register / Capitalized item list","Repair / Replacement invoices with receipt","All Applicable valid Certificates","KYC Documents","Any other relevant documents required based on type of loss"],"display":"Policy/Underwriting documents; Survey Report with Photographs wherever applicable; Claim Form, duly completed; Log book / Asset register / Capitalized item list; Repair / Replacement invoices with receipt; All Applicable valid Certificates; KYC Documents; Any other relevant documents required based on type of loss","note":"From the prospectus; the policy wording says to furnish information and documentary evidence as required but does not list standard documents.","quote":"The documents generally required for processing of claims are: ... 1. Policy/Underwriting documents. ... 2. Survey Report with Photographs wherever applicable ... 3. Claim Form, duly completed. ... 4. Log book / Asset register / Capitalized item list ... 5. Repair / Replacement invoices with receipt ... 6. All Applicable valid Certificates ... 7. KYC Documents ... 8. Any other relevant documents required based on type of loss","sources":[{"clause":null,"heading":"CLAIM DOCUMENTS","page":2,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6597#c-claim-documents"}],"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":"conflicting","value":"On receipt of the final survey report or the additional survey report, the insurer offers a settlement of the claim within 30 days to the insured or claimant.","display":"Within 30 days from receipt of the final survey report or additional survey report","note":"CIS says: '- Decision of claim to insured - 7 days from survey report'.","quote":"On receipt of the final survey report or the additional survey report, Insurer with in a period of 30 days offer a settlement of the claim to the insured/claimant. ... - Decision of claim to insured - 7 days from survey report","sources":[{"clause":null,"heading":"CLAIM PROCEDURE","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6597#c-claim-procedure"},{"clause":"2(b)(iii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6545#c-2-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":["fire including extinguishment of a fire or clearance of debris and dismantling necessitated thereby, smoke, soot, aggressive substance, lightning, explosion of any kind","theft, collapse of buildings, subsidence, landslide, rockslide","flood, inundation, storm, tempest, earthquake, volcanic eruption or other Acts of God","War, invasion, Act of foreign Enemy, Hostilities or war like operations","Nuclear reaction, nuclear radiation or radioactive contamination.","Accident, Loss, damage/and/or liability resulting from over load experiments or tests requiring the imposition of abnormal conditions.","Gradually developing flaws, defects, cracks or partial fractures in any part not necessitating immediate stoppage","Deterioration of or wearing away or wearing out any part of any machine caused by or naturally resulting from normal use or exposure.","Loss, damage and/or liability caused by or arising out of the willful act to willful neglect or gross negligence of the insured or his responsible representatives.","Liability assumed by the insured by agreement unless such liability would have attached to the insured notwithstanding such agreement.","Loss, damage and/or liability due to faults or defects existing at the time of commencement of this insurance and known to the insured or his responsible representative but not disclosed to the Company.","Loss of use of the Insured's plant or property of any other consequential loss incurred by the Insured.","Loss, damage/and/or liability due to explosions in Chemical Recovery Boilers, other than pressure explosions","The Excess, as stated in the Schedule, to be first borne by the insured out of each and every claim","Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or contract."],"display":"Fire and listed allied perils; theft and building collapse/subsidence; natural catastrophes; war and civil commotion; nuclear risks; overload experiments or abnormal tests; gradual flaws; wear and tear; wilful act or gross negligence; assumed contractual liability; known undisclosed defects; consequential loss; certain Chemical Recovery Boiler explosions; excess; manufacturer/supplier/repairer responsibility","note":null,"quote":"fire including extinguishment of a fire or clearance of debris and dismantling necessitated thereby, smoke, soot, aggressive substance, lightning, explosion of any kind ... theft, collapse of buildings, subsidence, landslide, rockslide ... flood, inundation, storm, tempest, earthquake, volcanic eruption or other Acts of God ... War, invasion, Act of foreign Enemy, Hostilities or war like operations ... Nuclear reaction, nuclear radiation or radioactive contamination. ... Accident, Loss, damage/and/or liability resulting from over load experiments ... or tests requiring the imposition of abnormal conditions. ... Gradually developing flaws, defects, cracks or partial fractures in any part not ... necessitating immediate stoppage ... Deterioration of or wearing away or wearing out any part of any machine ... caused by or naturally resulting from normal use or exposure. ... Loss, damage and/or liability caused by or arising out of the willful act to willful ... neglect or gross negligence of the insured or his responsible representatives. ... Liability assumed by the insured by agreement unless such liability would have ... attached to the insured notwithstanding such agreement. ... Loss, damage and/or liability due to faults or defects existing at the time of ... commencement of this insurance and known to the insured or his responsible representative but not disclosed to the Company. ... Loss of use of the Insured's plant or property of any other consequential loss ... incurred by the Insured. ... Loss, damage/and/or liability due to explosions in Chemical Recovery Boilers, other than pressure explosions ... The Excess, as stated in the Schedule, to be first borne by the insured out of each and every claim ... Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or contract.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-1"},{"clause":"2(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-2-a"},{"clause":"2(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-2-b"},{"clause":"3","heading":"Accident, Loss, damage/and/or liability resulting from over load experiments","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-3"},{"clause":"4","heading":"Gradually developing flaws, defects, cracks or partial fractures in any part not","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-4"},{"clause":"5","heading":"Deterioration of or wearing away or wearing out any part of any machine","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-5"},{"clause":"6","heading":"Loss, damage and/or liability caused by or arising out of the willful act to willful","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-6"},{"clause":"7","heading":"Liability assumed by the insured by agreement unless such liability would have","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-7"},{"clause":"8","heading":"Loss, damage and/or liability due to faults or defects existing at the time of","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-8"},{"clause":"9","heading":"Loss of use of the Insured's plant or property of any other consequential loss","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-9"},{"clause":"10","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-10"},{"clause":null,"heading":"SPECIAL EXCLUSIONS","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-special-exclusions"}],"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":"Contact HDFC ERGO's Grievance Redressal Officer through phone, email, website, branch or courier. If not satisfied, contact the Head of Customer Service at the Complaint & Grievance Redressal Cell, and then the Chief Grievance Officer.","display":"Grievance Redressal Officer first; then Head of Customer Service at C&G Cell; 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: ... • Contact Us- 022 6158 2020/ 022 6234 6234 ... • 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 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":"11(I)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-11-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":["unforeseen and sudden physical damage by any cause not hereinafter excluded to any insured property specified in the attached schedule(s) whilst in the premises therein mentioned necessitating its immediate repair or replacement"],"display":"Unforeseen and sudden physical damage by any cause not excluded","note":null,"quote":"the company will at its own option by payment or reinstatement or repair indemnify the Insured against unforeseen and sudden physical damage by any cause not hereinafter excluded to any insured property specified in the attached schedule(s) whilst in the premises therein mentioned necessitating its immediate repair or replacement.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#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 wording says the excess is as stated in the Schedule and borne out of each and every claim, 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 can cancel the policy at any time during the policy term by informing the Company. The Company refunds proportion premium for the unexpired policy period, subject to no claim(s) made during the policy period.","display":"Proportion premium for unexpired policy period, subject to no claim(s) made during the policy period","note":null,"quote":"The 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.","sources":[{"clause":"10(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-10-b-5"}],"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 documents refer to the premises in the schedule or covered location, but do not state a geographic territory such as India or worldwide.","quote":null,"sources":[],"law":[]},{"key":"equipment_covered","label":"Equipment or project covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"Machinery/equipment mentioned in the policy schedule is covered while in use or at rest at the covered location, and also while being dismantled for cleaning or overhauling, shifted within the covered location or re-erected subsequently.","display":"Machinery/equipment mentioned in the policy schedule at the covered location","note":"Specific insured items and the covered location are in the policy schedule.","quote":"Cover is given only to machinery/equipment which are mentioned in the policy schedule and are in use or at rest at the covered location. Also cover is extended to machinery which is being dismantled for cleaning / overhauling or in course of these operations, being shifted within covered location or being re-erected subsequently, in covered location.","sources":[{"clause":null,"heading":"INTRODUCTION","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6597#c-introduction"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The Sum Insured must equal the cost of replacement of the insured property by new property of the same kind and capacity, including freight and customs duties, if any, and erection costs.","display":"Replacement cost of new property of the same kind and capacity, including freight, customs duties and erection costs","note":null,"quote":"It is the requirement of this Insurance that the Sum Insured shall be equal to the cost of replacement of the insured property by new property of the same kind and same capacity which shall mean its replacement cost including freight and customs duties, if any, and erection costs.","sources":[{"clause":null,"heading":"1. SUM INSURED","page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-1-sum-insured"}],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"quote-verified","value":"If the Sum Insured is less than the amount required to be insured, the Company pays only in the same proportion as the Sum Insured bears to the required amount. Each item is subject to this condition separately.","display":"Claims paid in proportion if Sum Insured is less than the required amount; each item separately","note":null,"quote":"If the Sum Insured is less than the amount required to be insured as per Provision 1 hereinabove, the Company will pay only in such proportion as the Sum Insured bears to the amount required to be insured. Every item if more than one shall be subject to this condition separately.","sources":[{"clause":"10(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920#c-10-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Machinery Breakdown Insurance","pages":6,"fetched_at":"2026-10-17 19:53:52+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/machinery-breakdown-insurance-189414956865.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6920"},{"kind":"prospectus","label":"Machinery Breakdown Insurance","pages":2,"fetched_at":"2026-10-17 19:46:24+00","source_url":"https://customer-portal-assets.hdfcergo.com/assets/v2/docs/default-source/downloads/prospectus/commercial/7-mbi---prospectus-76114406778.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6597"},{"kind":"cis","label":"Machinery Breakdown Insurance","pages":8,"fetched_at":"2026-10-17 19:45:08+00","source_url":"https://customer-portal-assets.hdfcergo.com/documents/machinery-breakdown-insurance-984946712050.pdf","url":"https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203/document/6545"}],"versions":[{"uin":"LNT-EN-P11-27-V01-10-11","version":null,"approved_on":null},{"uin":"IRDAN125RP0012V01200203","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":"Machinery Breakdown Insurance (UIN IRDAN125RP0012V01200203), IndiaInsurances, https://indiainsurances.com/policy/hdfc-ergo-general-insurance/machinery-breakdown-insurance-irdan125rp0012v01200203"}