{"uin":"IRDAN132CPAV0005V01201112","name":"Aviation Insurance","url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Aviation Insurance is a general insurance wording for loss, damage or liability arising out of aviation accidents, including aircraft hull, third-party liability, passenger liability and aviation products liability. Claim notice is generally required as soon as practicable, and cancellation by the insured uses earned premium or short-rate retention depending on the applicable section.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:48:44.82093+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording says the Policy Period starts and ends on dates stated in the Schedule, but the Schedule is not included.","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":"Occurrence or Grounding notice, and notice of any claim or suit, must be given as soon as practicable. For the loss-of-licence wording, notice must be in writing by registered mail as soon as possible and in any event not later than thirty days from the date of unfitness.","display":"Occurrence/Grounding and claim/suit: as soon as practicable; loss of licence: as soon as possible and not later than thirty days from date of unfitness","note":null,"quote":"(G) Notice of Occurrence or Grounding When an Occurrence or Grounding takes place, written notice shall be given by or on behalf of the Insured to the Insurers through their authorised agents appointed for this purpose (as set forth in the Schedule) as soon as practicable. ... (H) Notice of Claim or Suit If claim is made or suit is brought against the Insured, the Insured shall as soon as practicable forward to the Insurer or Insurers' authorised agents appointed for this purpose every demand, notice, summons or other process received by them or their representatives. ... The Insured must:\n1. make a claim by notifying:- in writing by registered mail as soon as possible and in any event not later than thirty days from the date of unfitness as a result of sustaining personal injury or the manifestation of illness.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-general-conditions-applicable-to-all-sections"},{"clause":null,"heading":"CLAIMS PROCEDURE","page":47,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-claims-procedure"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The loss-of-licence section says the Company is not obliged to settle until at least 180 days after the claim is received and enquiries are completed, but it does not promise a latest decision or payment time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Whilst the Aircraft is being used for any illegal purpose","Whilst the Aircraft is outside the geographical limits stated in Part 5","Whilst the Aircraft is being piloted by any person other than as stated","Whilst the total number of passengers being carried in the Aircraft exceeds the declared maximum number of passengers","claims which are payable under any other policy or policies","claims excluded by the attached Nuclear Risks Exclusion Clause","War, invasion, acts of foreign enemies, hostilities","Hi-jacking or any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight","noise (whether audible to the human ear or not), vibration, sonic boom","pollution and contamination of any kind whatsoever","the actual, alleged or threatened presence of asbestos","the failure or inability of any computer hardware, software, integrated circuit, chip or information technology equipment or system","any liability assumed by the Insured under any contract or agreement"],"display":"Illegal use, outside geographical limits, unapproved pilots, excess passengers, other policy claims, nuclear risks, war, hijacking, noise, pollution, asbestos, date-recognition failures and contractual liability","note":null,"quote":"Illegal Uses | 1. Whilst the Aircraft is being used for any illegal purpose or for any\npurpose other than those stated in Part 3 of the Schedule and as defined in the Definitions. ... Geographical 2. Whilst the Aircraft is outside the geographical limits stated in Part 5\nLimits | of the Schedule unless due to force majeure. ... Pilots | 3. Whilst the Aircraft is being piloted by any person other than as stated in\nPart 4 of the Schedule except that the Aircraft may be operated on the ground by any person competent for that purpose. ... Number of 7. Whilst the total number of passengers being carried in the Aircraft\nPassengers | exceeds the declared maximum number of passengers stated in Part\n2(4) of the Schedule. ... Non- | 8. To claims which are payable under any other policy or policies except in\nContribution | respect of any excess beyond the amount which would have been\npayable under such other policy or policies had this Policy not been effected. ... Nuclear | 9. To claims excluded by the attached Nuclear Risks Exclusion Clause.\nRisks ... a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power. ... g) Hi-jacking or any unlawful seizure or wrongful exercise of control of the aircraft or crew in flight (including any attempt at such seizure or control) made by any person or persons on board the aircraft acting without the consent of the Insured. ... a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated therewith, ... b) pollution and contamination of any kind whatsoever, ... This Policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or in consequence of:\n1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product containing, or alleged to contain, asbestos; ... a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology equipment or system (whether in the possession of the Insured or of any third party) accurately or completely to process, exchange or transfer year, date or time data or information in connection with any change of year, date or time; whether on or before or after such change of year, date or time; ... This Policy does not apply to any liability assumed by the Insured under any contract or agreement, including a warranty of Aircraft Products, other than as may be assumed under any standard commercial sales contract or sales agreement, greater than the liability which would have been imposed by law in the absence of any express contract or assumption of liability;","sources":[{"clause":"Section IV","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-section-iv"},{"clause":"13(I)(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-a-10"},{"clause":"13(I)(g)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-g"},{"clause":"13(I)(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-a-8"},{"clause":"13(I)(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-b-8"},{"clause":null,"heading":"AVN 48B 1.10.96 (Amended)","page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-avn-48b-1-10-96-amended"},{"clause":"13(I)(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-a-11"},{"clause":"13(I)(b)","heading":"If the premium is on a non-adjustable basis","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-b-12"}],"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 Generali Central Insurance through its website, toll-free numbers, email, courier address or branch grievance cell. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievance officer at GCIGRO@generalicentral.com","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022- 67837800 Email: gcicare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708. ... Insured person may also approach the grievance cell at any of the company's branches with the details of grievance. ... lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com","sources":[{"clause":null,"heading":"REDRESSAL OF GRIEVANCE","page":48,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-redressal-of-grievance"}],"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":["loss, damage or liability, arising out of an Accident","accidental loss of or damage to the Aircraft","accidental bodily injury (fatal or otherwise) and accidental damage to property caused by the Aircraft","accidental bodily injury (fatal or otherwise) to passengers","loss of or damage to baggage and personal articles of passengers","Bodily Injury or Property Damage caused by an Occurrence arising out of the Products Hazard","loss of use of completed Aircraft","Bodily Injury or Property Damage caused by an Occurrence in or about the airport(s)","Property Damage to aircraft or aircraft equipment not owned, rented or leased by or loaned to the Insured"],"display":"Accident loss, damage or liability; aircraft hull damage; third-party bodily injury/property damage; passenger injury and baggage; products liability; grounding loss of use; airport liability; hangarkeepers liability","note":"Several covers apply only when an amount is inserted against the appropriate Limit of Liability in the Schedule.","quote":"The Insurers agree to insure against loss, damage or liability, arising out of an Accident occurring during the Period of Insurance to the extent and in the manner provided in this Policy. ... pay for, replace or repair, accidental loss of or damage to the Aircraft described in the Schedule ... accidental bodily injury (fatal or otherwise) and accidental damage to property caused by the Aircraft or by any person or object falling therefrom. ... accidental bodily injury (fatal or otherwise) to passengers whilst entering, on board, or alighting from the Aircraft ... loss of or damage to baggage and personal articles of passengers arising out of an Accident to the Aircraft. ... To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay as damages for Bodily Injury or Property Damage caused by an Occurrence arising out of the Products Hazard. ... damages for the loss of use of completed Aircraft ... damages for Bodily Injury or Property Damage caused by an Occurrence in or about the airport(s) detailed in the Schedule ... Property Damage to aircraft or aircraft equipment not owned, rented or leased by or loaned to the Insured","sources":[{"clause":null,"heading":"AIRCRAFT HULL AND LIABILITY POLICY","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-aircraft-hull-and-liability-policy"},{"clause":"1","heading":"Coverage","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-3"},{"clause":"1","heading":"Coverage","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-4"},{"clause":"1(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-a"},{"clause":"1(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-b"},{"clause":null,"heading":"COVERAGE A - AVIATION PRODUCTS LIABILITY","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-coverage-a-aviation-products-liability"},{"clause":null,"heading":"COVERAGE B - GROUNDING LIABILITY","page":18,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-coverage-b-grounding-liability"},{"clause":null,"heading":"SECTION FOUR AIRPORT LIABILITY INSURANCE","page":26,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-section-four-airport-liability-insurance"},{"clause":null,"heading":"COVERAGE B - HANGARKEEPERS LIABILITY","page":29,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-coverage-b-hangarkeepers-liability"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording refers to amounts to be deducted or limits in the Schedule, but the Schedule is not included.","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":"If the insured cancels, the insurer retains, for adjustable premium, the earned premium for the period in force or the short-rate proportion of any minimum premium according to the Schedule scale, whichever is greater. For non-adjustable premium, the insurer retains the short-rate proportion according to the Schedule scale; in the Aircraft Hull and Liability wording, return of premium is at the discretion of the insurers and there is no return for any aircraft on which a loss is paid or payable.","display":"Insurer retains earned premium or short-rate minimum for adjustable premium, and short-rate premium for non-adjustable premium; Aircraft Hull return is discretionary","note":"The actual short-rate scale is stated to be in the Schedule for some sections; the annual aviation cancellation scale is printed separately in the wording.","quote":"(Q) Cancellation This Policy may be cancelled at any time at the written request of the Insured or may be cancelled by or on behalf of the Insurers provided (except as otherwise provided) not less than thirty (30) days notice in writing be given. The premium to be retained by the Insurers in the event of cancellation by the Insured shall be calculated as follows: ... a) If the premium is on an adjustable basis: the earned premium hereon for the period that this Policy has been in force or the short rate proportion of any minimum premium calculated in accordance with the scale specified in the Schedule, whichever is the greater. ... b) If the premium is on a non-adjustable basis: the short rate proportion thereof calculated in accordance with the scale specified in the Schedule. ... If cancelled by the Insured a return of premium shall be at the discretion of the Insurers. There will be no return of premium in respect of any Aircraft on which a loss is paid or is payable under this Policy.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":37,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-general-conditions-applicable-to-all-sections"},{"clause":"13(I)(a)","heading":"If the premium is on an adjustable basis","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-a-12"},{"clause":"13(I)(b)","heading":"If the premium is on a non-adjustable basis","page":39,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-13-i-b-12"},{"clause":"Section IV(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-section-iv-d"}],"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 points to the geographical limits stated in the Schedule, but the Schedule is not included.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures aviation loss, damage or liability arising out of an Accident during the Period of Insurance, including accidental loss or damage to scheduled aircraft, legal liability to third parties and passengers, and aviation products liability.","display":"Aviation loss, damage or liability arising out of an Accident, including aircraft hull, third-party, passenger and products liability","note":null,"quote":"The Insurers agree to insure against loss, damage or liability, arising out of an Accident occurring during the Period of Insurance to the extent and in the manner provided in this Policy. ... pay for, replace or repair, accidental loss of or damage to the Aircraft described in the Schedule ... The Insurers will indemnify the Insured for all sums which the Insured shall become legally liable to pay ... The Insurers will indemnify the Insured in respect of all sums which the Insured shall become legally liable to pay ... To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay as damages for Bodily Injury or Property Damage caused by an Occurrence arising out of the Products Hazard.","sources":[{"clause":null,"heading":"AIRCRAFT HULL AND LIABILITY POLICY","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-aircraft-hull-and-liability-policy"},{"clause":"1","heading":"Coverage","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-3"},{"clause":"1","heading":"Coverage","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-4"},{"clause":"1","heading":"Coverage","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-1-5"},{"clause":null,"heading":"COVERAGE A - AVIATION PRODUCTS LIABILITY","page":17,"url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084#c-coverage-a-aviation-products-liability"}],"law":[]}],"documents":[{"kind":"wording","label":"Aviation Insurance Policy Wordings","pages":51,"fetched_at":"2026-10-17 19:45:17+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/aviation-insurance/policy-wording/aviation-insurance-commercial-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112/document/6084"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.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":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","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.generalicentralinsurance.com/customer-service/grievance-redressal","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":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","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":"Aviation Insurance (UIN IRDAN132CPAV0005V01201112), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/aviation-insurance-irdan132cpav0005v01201112"}