{"uin":"IRDAN132CPMS0002V01202122","name":"Terrorism and Sabotage Insurance","url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122","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":"This is a terrorism and sabotage insurance policy covering insured events such as terrorism, sabotage, strike, riot, malicious damage, civil commotion, insurrection, revolution, rebellion, mutiny, coup d’état, war and civil war when opted in the Policy Schedule. It can insure property damage, business interruption and third party liability sections if opted and premium is paid.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:49:47.447919+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 refers to the Policy Period and expiry date but does not state a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For property damage, the insured must notify the insurer as soon as reasonably practicable of any occurrence likely to give rise to a claim. For Section III liability, claims or circumstances must be reported in writing as soon as reasonably possible and in no event later than 90 days after expiry of the policy.","display":"As soon as reasonably practicable; Section III not later than 90 days after expiry","note":null,"quote":"In the event of any Occurrence likely to give rise to a claim hereunder, the Insured shall as soon as reasonably practicable notify the Insurers. ... Claims, or circumstances likely to give rise to a claim insured hereunder, which are reported in writing to Insurers as soon as reasonably possible and in no event later than 90 days after the expiry of this Policy","sources":[{"clause":"26(b)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-b-15"},{"clause":"35","heading":"Loss Adjustment Expenses","page":45,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-35"}],"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":["signed and sworn proof of loss","complete inventory of the lost, destroyed, damaged and undamaged property","full information in writing of the property lost, destroyed or damaged and the amount of the Damage","details of any other insurances","proofs and information relating to the claim including time, place and cause of loss","statutory declaration of the truth of the claim, if required","books of account and other business books, vouchers, invoices, balance sheets, and other documents"],"display":"Proof of loss, inventory, property and loss details, other insurance details, time/place/cause proofs, statutory declaration if required, and business records for BI claims","note":null,"quote":"furnish a complete inventory of the lost, destroyed, damaged and undamaged property showing in detail the quantities, costs, Actual Cash Value, replacement value and amount of loss claimed. ... the Insured must deliver to the Insurers a signed and sworn proof of loss all such relevant information and evidence as may reasonably be required including: ... full information in writing of the property lost, destroyed or damaged and the amount of the Damage and the Insured’s interest and that of all others in the property; ... details of any other insurances on any property hereby insured, whether valid or not; iii. all such proofs and information relating to the claim including time, place and cause of loss; ... if required by Insurers, a statutory declaration of the truth of the claim and of any matters connected to it ... deliver to the Insurers such books of account and other business books, vouchers, invoices, balance sheets, and other documents, proofs, information, explanation and other evidence as may reasonably be required by the Insurers","sources":[{"clause":"26(b)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-b-15"},{"clause":"26(b)(i)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-b-i-3"},{"clause":"26(b)(ii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-b-ii-2"},{"clause":"26(c)(ii)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-c-ii"}],"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":"For Sections I and II, the loss is paid within 45 days after proof of loss is received and the amount of loss is resolved by written agreement or arbitration award. For Section III liability, the amount is due and payable within 30 days after it is agreed by the insurers.","display":"45 days after proof of loss and resolution; Section III 30 days after agreed","note":"The 45-day clause excludes Accounts Receivable coverage.","quote":"The amount of loss, except for ACCOUNTS RECEIVABLE coverage, for which Insurers may be liable will be paid within 45 days after: A. proof of loss as described in this Policy is received by Insurers; and B. when a resolution of the amount of loss is made either by: 1. written agreement between the Insured and Insurers; or 2. the filing with Insurers of an award as provided in the Arbitration clause of this Policy. ... Any amount for which Insurers are liable under this Policy shall be due and payable solely to the Insured within 30 days after it is agreed by Insurers.","sources":[{"clause":"31","heading":"Settlement Of Claims","page":44,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-31"},{"clause":"35(a)","heading":null,"page":47,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-35-a-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":["nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination","loss arising from war (whether before or after the outbreak of hostilities) between China, France, The Russian Federation, The United Kingdom and The United States of America","seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event","confiscation, nationalisation, requisition, detention, embargo, quarantine","discharge of pollutants or contaminants","chemical or biological release or exposure of any kind","attacks by electronic means including computer hacking","Threat or hoax","burglary, house-breaking, looting, theft or larceny","loss of use, delay or loss of markets, failure to supply goods or services, failure to perform however caused or arising, loss of income, increased cost of working or any other consequential loss","Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease"],"display":"Nuclear, specified major-power war, seizure/occupation, confiscation and similar government action, pollutants, chemical/biological release, cyber/electronic attacks, threat or hoax, burglary/theft/looting, consequential loss, and communicable disease","note":null,"quote":"nuclear detonation, nuclear reaction, nuclear radiation or radioactive contamination ... loss arising from war (whether before or after the outbreak of hostilities) between any two of the following: China, France, The Russian Federation, The United Kingdom and The United States of America ... seizure or legal or illegal occupation unless physical loss or damage is caused directly by an Insured Event. ... confiscation, nationalisation, requisition, detention, embargo, quarantine ... discharge of pollutants or contaminants ... chemical or biological release or exposure of any kind ... attacks by electronic means including computer hacking ... Threat or hoax. ... burglary, house-breaking, looting, theft or larceny ... Loss of use, delay or loss of markets, failure to supply goods or services, failure to perform however caused or arising, loss of income, increased cost of working or any other consequential loss. ... Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease","sources":[{"clause":"35","heading":"Loss Adjustment Expenses","page":45,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-35"},{"clause":"35(c)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-35-c"}],"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 company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or a branch grievance cell. If not satisfied with those methods, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch grievance cell, then grievance officer at GCIGRO@generalicentral.com or 7900197777","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 or call at: 7900197777","sources":[{"clause":null,"heading":"Grievances","page":53,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-grievances"}],"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":["Terrorism","Sabotage","Strike, Riot, Malicious Damage","Civil Commotion","Insurrection, Revolution and Rebellion","Mutiny and/or Coup d’état","War and/or Civil War"],"display":"Terrorism; Sabotage; Strike, Riot, Malicious Damage; Civil Commotion; Insurrection, Revolution and Rebellion; Mutiny and/or Coup d’état; War and/or Civil War","note":"The perils apply only when specifically opted by the insured and mentioned in the Policy Schedule.","quote":"Insured Event(s), shall mean the perils listed below and specifically opted by the Insured and mentioned in the Policy Schedule: ... \"Terrorism\" shall mean ... \"Sabotage\" shall mean ... \"Strike, Riot, Malicious Damage\" ... “Civil Commotion” shall mean ... \"Insurrection, Revolution and Rebellion\" ... \"Mutiny and/or Coup d’état\" ... \"War and/or Civil War\"","sources":[{"clause":"1","heading":"Insured Event(s),","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1"},{"clause":"1.1","heading":"\"Terrorism\"","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-1"},{"clause":"1.2","heading":"\"Sabotage\"","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-2"},{"clause":"1.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-3"},{"clause":"1.4","heading":"“Civil Commotion”","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-4"},{"clause":"1.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-5"},{"clause":"1.6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-6"},{"clause":"1.7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-1-7"}],"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 deductible is stated in the Policy Schedule, but the schedule amount is not included in the provided clauses.","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 policy says it is non-cancellable by the Insured except in the event of non-payment of premium, mis-representation, fraud, non-disclosure of material facts and non-co-operation by the Insured. If cancellation occurs, premium is due to the insurer on a pro rata basis for the period on risk, but there is no refund for cancellation due to misrepresentation, fraud, non-disclosure of material facts and non-cooperation by the insured.","display":"Non-cancellable by the Insured except specified events; pro rata premium due for period on risk, no refund for misrepresentation/fraud/non-disclosure/non-cooperation cancellation","note":null,"quote":"This Policy shall be non-cancellable by the Insurers or the Insured except in the event of non- payment of the premium, mis-representation, fraud, non-disclosure of material facts and non-co-operation by the Insured where the Insurers may cancel the Policy at their discretion in accordance with the terms of the Premium Payment clause herein ... In the event of cancellation, premium is due to Insurers on a pro rata basis for the period that Insurers are on risk, but the full Policy premium shall be payable to Insurers in the event of a loss or Occurrence prior to the date of termination which gives rise to a valid claim under this Policy. In the event of cancellation due to misrepresentation, fraud, non-disclosure of material facts and non-cooperation by the insured, there would be no refund of premium.","sources":[{"clause":"26(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26-c-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 wording points to Territorial Limits mentioned in the Policy Schedule, but the provided clauses do not list the geographic area.","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 covers opted sections for property damage, business interruption and third party liability. Section I insures scheduled property against direct physical loss or damage caused by insured events; Section II insures business interruption loss directly resulting from such property damage; Section III indemnifies ultimate net loss for liability for bodily injury, property damage and defence expenses resulting from insured events.","display":"Scheduled property damage, business interruption loss and third party liability from insured events, if the relevant section is opted and premium paid","note":null,"quote":"If the Insured has opted for this Section and paid premium ... this Policy insures the property described in the Policy Schedule, against direct physical loss or physical damage occurring during the Policy Period and caused by an Insured Event(s) stated in the Policy Schedule. ... If the Insured has opted for this cover and paid premium ... this Policy insures Business Interruption loss as provided in the Business Interruption Coverage, directly resulting from physical loss or damage occurring during the Policy Period by an Insured Event to Property Insured by this Policy. ... Insurers agree to indemnify the Insured in respect of their operations for their Ultimate Net Loss, by reason of liability imposed upon the Insured by law, for monetary damages ... Bodily Injury and/or Property Damage and/or Defence Expenses Resulting solely and directly from an Act (or Acts) of an Insured Event(s), as defined herein.","sources":[{"clause":null,"heading":"Applicable to Section III Only","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-applicable-to-section-iii-only"},{"clause":"26","heading":"Claim Preparation Clause","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-26"},{"clause":"35","heading":"Loss Adjustment Expenses","page":45,"url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153#c-35"}],"law":[]}],"documents":[{"kind":"wording","label":"Terrorism and Sabotage Insurance Policy Wordings","pages":56,"fetched_at":"2026-10-17 19:46:36+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/terrorism-and-sabotage-insurance/policy-wording/terrorism-and-sabotage-insurance-commercial-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122/document/6153"}],"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":"Terrorism and Sabotage Insurance (UIN IRDAN132CPMS0002V01202122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/terrorism-and-sabotage-insurance-irdan132cpms0002v01202122"}