{"uin":"IRDAN132CPPR0002V01201920","name":"Comprehensive Large All Risk Policy","url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920","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 an all-risk property policy covering direct physical loss, destruction or damage to insured property and business interruption from Section I perils. The policy territory is mainly property anywhere in India, with the utilities and services interruption cover applying anywhere in the world.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:48:33.985231+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 Schedule has a PERIOD OF INSURANCE field but no dates or duration are printed.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Any claim, proceedings, loss, destruction or damage that might give rise to a claim must be notified in writing as soon as reasonably practicable. For loss or damage, the insured must give notice forthwith and deliver the claim within 15 days after the loss or damage, unless the Company allows more time in writing.","display":"As soon as reasonably practicable in writing; loss or damage notice forthwith and claim within 15 days","note":null,"quote":"Any claim or proceedings and any loss, destruction or damage which might give rise to a claim under this Policy must be notified as soon as is reasonably practicable in writing to the Insurer and a detailed statement of any claim must be submitted as soon as is reasonably practicable. ... On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company","sources":[{"clause":null,"heading":"4. CLAIMS PROCEDURE","page":38,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-4-claims-procedure"},{"clause":"6(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-6-c"}],"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":["A claim in writing for the loss or damage","Particulars of all other insurances, if any","particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/ external) proofs and information with respect to the claim","declaration on oath or in other legal form of the truth of the claims"],"display":"Written claim, particulars of other insurance, supporting particulars/plans/books/vouchers/invoices/documents/investigation reports/proofs/information, and declaration on oath if required","note":null,"quote":"A claim in writing for the loss or damage containing as particular an account as may be reasonably practicable of all the several articles or items or property damaged or destroyed, and of the amount of the loss or damage thereto respectively ... Particulars of all other insurances, if any. ... produce, procure and give to the Company all such further particulars, plans, specification books, vouchers, invoices, duplicates or copies thereof, documents, investigation reports (internal/ external) proofs and information with respect to the claim ... together with declaration on oath or in other legal form of the truth of the claims and of any connected therewith.","sources":[{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-6-a-2"},{"clause":"6(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-6-b-2"}],"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":null,"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":["normal and natural wear and tear and gradual deterioration; corrosion; erosion","pollution or contamination","infidelity or dishonesty of the Insured","theft committed by any of the Insured’s employees or in collusion with any of the Insured’s employees","theft unless such theft involves entry to or exit from premises by forcible or violent means","Machinery Breakdown other than as defined in Memorandum Number One","vermin","error in design, faulty material, faulty workmanship, latent defect or inherent vice","confiscation or nationalisation, expropriation, deprivation requisition seizure","war, invasion, acts of foreign enemies, hostilities or warlike operations","any act of terrorism","clean up, remove or remediate any Mould","loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA","ionising radiations from or contamination by radioactivity","sanction, prohibition or restriction"],"display":"Wear and tear/corrosion/erosion, pollution or contamination, dishonesty, employee theft, non-forcible theft, machinery breakdown except as defined, vermin, design or workmanship defects, government seizure, war, terrorism, mould, electronic data, radioactive contamination, and sanctions","note":null,"quote":"caused by normal and natural:\n(i) wear and tear and gradual deterioration;\n(ii) corrosion; or ... iii) erosion; ... caused by pollution or contamination except ... caused by infidelity or dishonesty of the Insured; ... caused by theft committed by any of the Insured’s employees or in collusion with any of the Insured’s employees; ... caused by theft unless such theft involves entry to or exit from premises by forcible or violent means ... consisting of Machinery Breakdown other than as defined in Memorandum Number One to this Policy; ... caused by vermin, unless either: ... consisting of error in design, faulty material, faulty workmanship, latent defect or inherent vice unless either ... confiscation or nationalisation, expropriation, deprivation requisition seizure ... war, invasion, acts of foreign enemies, hostilities or warlike operations ... any act of terrorism. ... any cost or expense incurred to clean up, remove or remediate any Mould ... This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA ... ionising radiations from or contamination by radioactivity ... sanction, prohibition or restriction","sources":[{"clause":null,"heading":"PERILS EXCLUDED","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-perils-excluded"},{"clause":"Section I(iii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-section-i-iii"},{"clause":null,"heading":"21. WAR AND TERRORISM EXCLUSION ENDORSEMENT","page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-21-war-and-terrorism-exclusion-endorsement"},{"clause":"22","heading":"MOULD EXCLUSION","page":42,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-22-2"},{"clause":"23(a)","heading":null,"page":43,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-23-a"},{"clause":"25","heading":"INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL BIOLOGICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE (CL370)","page":45,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-25-2"},{"clause":"26","heading":"SANCTION LIMITATION AND EXCLUSION CLAUSE","page":45,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-26-2"}],"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":"The insured may first contact Generali Central Insurance through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or any branch. If not satisfied, the insured may contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Contact the company first; if not satisfied, contact the 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\nCourier: Grievance Redressal Cell ... 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":"REDRESSAL OF GRIEVANCE","page":51,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#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":["ALL RISKS OF DIRECT PHYSICAL LOSS, DESTRUCTION OR DAMAGE","interruption or interference with the Business from physical loss or damage by perils insured against under Section I","Machinery Breakdown","outflow (whether sudden or not) of liquid"],"display":"All risks of direct physical loss, destruction or damage; business interruption from Section I perils; machinery breakdown; liquid outflow damage","note":null,"quote":"against ALL RISKS OF DIRECT PHYSICAL LOSS, DESTRUCTION OR DAMAGE occurring during the Period of Insurance as stated in the Schedule. ... being physically lost or damaged by any of the perils insured against under Section I of this Policy (physical loss or damage so caused being hereinafter in this Section of this Policy termed “Damage”) and the Business within the Territorial Limits being in consequence thereof interrupted or interfered with ... This Policy extends to include loss, destruction or damage consisting of Machinery Breakdown. ... In the event of outflow (whether sudden or not) of liquid from a cistern (or rock cavity) or a connecting or associated pipe system, owned or used by the Insured","sources":[{"clause":null,"heading":"INSURING CLAUSE","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-insuring-clause"},{"clause":"Section II(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-section-ii-b"},{"clause":null,"heading":"1. MACHINERY BREAKDOWN EXTENSION","page":46,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-1-machinery-breakdown-extension"},{"clause":null,"heading":"LIQUID DAMAGE INSURANCE","page":48,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-liquid-damage-insurance"}],"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 Schedule says Section I and Section II deductibles are 'As per reinsurance arrangement' but no deductible amount is printed.","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 may cancel at any time by giving 30 days’ written notice. The Company allows a refund of premium at the Company’s short period premium calculation, provided no claim has occurred up to the date of cancellation.","display":"Cancel with 30 days’ written notice; refund at Company’s short period premium calculation if no claim has occurred","note":"The wording refers to the short period premium calculation as given below, but the supplied clauses do not print the calculation table.","quote":"The policy may also be cancelled by the insured at any time by giving thirty days’ notice in writing to the Company and in such event the Company shall allow refund of premium at Company’s short period premium calculation as given below provided no claim has occurred up to the date of cancellation.","sources":[{"clause":null,"heading":"15. CANCELLATION","page":40,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-15-cancellation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy insures property anywhere in India. Section I property in transit is within India and till India port, the Section II Exhibitions Memorandum is within India, and the Section II Utilities and Services Extension applies to accidental interruption anywhere in the world.","display":"Property anywhere in India; utilities and services interruption anywhere in the world","note":null,"quote":"This Policy insures property whilst anywhere in India.\nHowever in respect of the cover provided by:\na) Section I of this Policy in respect of property in transit within India and till India port\nb) Section II of this Policy in respect of the cover provided under the Exhibitions Memorandum the Territorial Limits within India\nc) Section II of this Policy in respect of the cover provided under the Utilities and Services Extension the cover shall apply to accidental interruption which occurs anywhere in the world.","sources":[{"clause":"Schedule","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-schedule"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"Section I covers real and/or personal property of every kind, nature and description in which the insured has a legal, beneficial or other interest, including property of others in the insured’s care, custody or control. Section II covers business interruption or interference when covered property is physically lost or damaged by Section I perils.","display":"Insured property and business interruption","note":null,"quote":"Unless otherwise excluded, this Section of this Policy covers the following property:\n1. real and/or personal property of every kind, nature and description (including improvements made during the Period of Insurance) in which the Insured has a legal, beneficial or other interest, including the property of others in the Insured’s care, custody or control or for which the Insured is responsible; ... being physically lost or damaged by any of the perils insured against under Section I of this Policy (physical loss or damage so caused being hereinafter in this Section of this Policy termed “Damage”) and the Business within the Territorial Limits being in consequence thereof interrupted or interfered with","sources":[{"clause":null,"heading":"PROPERTY INSURED","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-property-insured"},{"clause":"Section II(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105#c-section-ii-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Comprehensive Large All Risk Policy Policy Wordings","pages":53,"fetched_at":"2026-10-17 19:45:44+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/comprehensive-large-all-risk-policy/policy-wording/comprehensive-large-all-risk-policy-commercial-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920/document/6105"}],"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":"Comprehensive Large All Risk Policy (UIN IRDAN132CPPR0002V01201920), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/comprehensive-large-all-risk-policy-irdan132cppr0002v01201920"}