{"uin":"IRDAN132RPMS0002V01201112","name":"Vivah Suraksha Policy","url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112","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":"Vivah Suraksha Policy is an indemnity policy for wedding events covering cancellation and postponement, damage to property, personal accident, money in safe, burglary and public liability. It covers insured events within India and the prospectus states that the insurance is not cancellable with no return of premium.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:47:33.534715+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list sections and opted covers, but do not name plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy defines the policy period by reference to the Schedule, but no fixed policy term is 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":"Immediately and in any event within 3 days for events giving rise to a claim under the general conditions. Personal Accident claims require written notification within 14 days, and Public Liability claims or circumstances require notice within 7 days.","display":"Immediately and within 3 days; Personal Accident within 14 days; Public Liability within 7 days","note":"The 3-day deadline is in the general conditions. The Personal Accident and Public Liability sections have their own section-specific deadlines.","quote":"the Insured shall immediately and in any event within 3 days give written notice of the same to the address shown in the Schedule for this purpose, and in case of notification of an event likely to give rise to a claim to specify the grounds for such belief, and ... a) The Insured and/or the Named Insured or his successor or legal heirs shall immediately and in any event within 14 days provide the Company with written notification of a claim, and ... It is a condition precedent to the Company’s liability hereunder that the Insured shall immediately and in any event within 7 days give the Company written notice, to the address specified in the Schedule for this purpose, of:","sources":[{"clause":"3.1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3-1"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-a"},{"clause":"2","heading":"Accidental loss of or damage to material property not belonging to you","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-6"}],"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":["completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim","all documentation required to support and substantiate the amount sought from the Company","all the information, assistance, records and documentation that they might reasonably require","copy of the post mortem report (if any)","bank records of withdrawal, expenses, balance records with proof","Valuation certificates/ Purchase Bills of the all the items above the value of Rs.5000/-"],"display":"Claim form, supporting documents, records, post mortem report if any, bank records and proof for money claims, and valuation certificates or purchase bills for items above Rs.5000/-","note":null,"quote":"the Insured shall within 7 days deliver to the Company its completed claim form detailing the loss or damage that has occurred and an estimate of the quantum of any claim along with all documentation required to support and substantiate the amount sought from the Company, and ... the Insured shall expeditiously provide the Company and its representatives and appointees with all the information, assistance, records and documentation that they might reasonably require, and ... d) In the event of the Named Insured's death, written notice accompanied by a copy of the post mortem report (if any) is given to the Company within 14 days ... bank records of withdrawal, expenses, balance records with proof are available and to be provided for verification at any time on request from the Insurer. ... (Valuation certificates/ Purchase Bills of the all the items above the value of Rs.5000/- to be given separately, bills etc needed)","sources":[{"clause":"3.2","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3-2-2"},{"clause":"3.3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3-3-2"},{"clause":"2(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-d"},{"clause":"Section IV","heading":"MONEY (MONEY IN SAFE ONLY)","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-iv"},{"clause":"3(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3-b"}],"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":"Settlement of claim is within 7 days of receipt of survey report or 22 days from submission of all documents required to assess a claim.","display":"Within 7 days of receipt of survey report or 22 days from submission of all documents","note":"Stated in the Customer Information Sheet.","quote":"3 | Settlement of claim | Within 7 days of receipt of survey report or 22 days from submission of all documents required to assess a claim.","sources":[{"clause":"1","heading":"Appointment of Immediately, in any case within 24","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6052#c-1"}],"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":["War, invasion, act of foreign enemy, hostilities","Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to nuclear weapons material","Cancellation, postponement of the event due to reasons other than the perils mentioned above","Cancellation, postponement of the event due to terrorism","Cancellation arising from pre-existing conditions and/ or circumstances, known to the insured at the inception of cover","Cancellation, postponement of the event due to expected or seasonal rains, storm; Sand storm; High Winds; tempest etc.","Due to disputes if any between the Insured (bride, groom, family, relatives, friends) and any other persons related to the event.","Due to Bandh, Strikes, Hartal etc unless curfew is declared by the local authority within a radius 25 Kms of the venue.","Attempted suicides, self-inflicting injuries, wounds etc. resulting in death or hospitalization.","Cancellation as a result of drug or alcohol abuse.","Cancellation due to pregnancy or childbirth.","Theft or attempted theft unless involving forcible or violent entry or exit from a building","Loss of Money in transit.","Any motorized vehicle or trailer of any type or description."],"display":"War; nuclear/radioactivity; cancellation outside covered perils; terrorism; pre-existing circumstances; expected or seasonal rains; disputes; bandh/strikes unless curfew; suicide or self-injury; drug or alcohol abuse; pregnancy or childbirth; theft without forcible entry; money in transit; motorized vehicles or trailers","note":null,"quote":"1) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power of civil commotion or loot or pillage in connection herewith ... 2) Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to nuclear weapons material by or arising from or in consequence of or contributed to by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel (including any self-sustaining process of nuclear fission) ... 1) Cancellation, postponement of the event due to reasons other than the perils mentioned above. ... 2) Cancellation, postponement of the event due to terrorism ... 3) Cancellation arising from pre-existing conditions and/ or circumstances, known to the insured at the inception of cover. ... 4) Cancellation, postponement of the event due to expected or seasonal rains, storm; Sand storm; High Winds; tempest etc. ... 5) Due to disputes if any between the Insured (bride, groom, family, relatives, friends) and any other persons related to the event. ... 6) Due to Bandh, Strikes, Hartal etc unless curfew is declared by the local authority within a radius 25 Kms of the venue. ... 13) Attempted suicides, self-inflicting injuries, wounds etc. resulting in death or hospitalization. ... 14) Cancellation as a result of drug or alcohol abuse. ... 15) Cancellation due to pregnancy or childbirth. ... Theft or attempted theft unless involving forcible or violent entry or exit from a building ... 2) Loss of Money in transit. ... 9) Any motorized vehicle or trailer of any type or description.","sources":[{"clause":null,"heading":"EXCLUSIONS APPLICABLE TO ALL SECTIONS","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-exclusions-applicable-to-all-sections"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-5"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1-2"},{"clause":"5","heading":"“Strong Room”","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-5-3"},{"clause":"3(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3-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 company branch. If not satisfied, contact the grievance officer before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievance officer; then Insurance Ombudsman","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.\nInsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf 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 ... lf lnsured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of lnsurance Ombudsman of the respective area/region for redressal of grievance as per lnsurance Ombudsman Rules 2017.","sources":[{"clause":"11","heading":"Redressal of Grievance","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-11"}],"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":["financial losses which, which have been incurred due to cancellation or postponement of insured wedding","Unseasonal rains; storm; Hailstorm; Sandstorms; Tsunami; tempest, Act of God","Loss or Damage to the venue due to Fire & Allied Perils, Earthquake, Flood, Cyclone","Riots, curfew","Death or Accident to bride, groom, and blood relatives","Impossibility of groom/ bride to reach venue","Accidental loss of or damage to owned or hired property due to fire and allied perils","Accidental Bodily Injury sustained during the Policy Period causing the Named Insured's death","Accidental Bodily Injury sustained during the Policy Period causing the Named Insured's Permanent Total Disability","loss of Money from a Safe and/or Strong Room caused by Burglary or Robbery","Loss of or damage to valuables like jewellery, ornaments, precious stones , metals, appliances","Property Damage","Accidental bodily injury to or death, disease or illness of any person other than any insured and their family members","Accidental loss of or damage to material property not belonging to you"],"display":"Wedding cancellation or postponement; listed weather/Act of God events; venue damage; riots or curfew; death or accident of bride/groom/blood relatives; impossibility to reach venue; property damage; personal accident death or PTD; money in safe burglary/robbery; burglary of valuables; public liability","note":null,"quote":"The Company agrees to indemnify the Insured against any financial losses which, which have been incurred due to cancellation or postponement of insured wedding. ... Unseasonal rains; storm; Hailstorm; Sandstorms; Tsunami; tempest, Act of God ... Loss or Damage to the venue due to Fire & Allied Perils, Earthquake, Flood, Cyclone ... Riots, curfew ... Death or Accident to bride, groom, and blood relatives ... Impossibility of groom/ bride to reach venue ... Accidental loss of or damage to owned or hired property due to fire and allied perils ... Accidental Bodily Injury sustained during the Policy Period causing the Named Insured's death ... Accidental Bodily Injury sustained during the Policy Period causing the Named Insured's Permanent Total Disability ... loss of Money from a Safe and/or Strong Room caused by Burglary or Robbery ... Loss of or damage to valuables like jewellery, ornaments, precious stones , metals, appliances ... Property Damage ... Accidental bodily injury to or death, disease or illness of any person other than any insured and their family members ... Accidental loss of or damage to material property not belonging to you","sources":[{"clause":"Section I","heading":"WEDDING CANCELLATION & POSTPONEMENT","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-i"},{"clause":"1","heading":"Unseasonal rains; storm; Hailstorm; Sandstorms; Tsunami; tempest, Act of God (as declared","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1"},{"clause":"2","heading":"Loss or Damage to the venue due to Fire & Allied Perils, Earthquake, Flood, Cyclone","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-5"},{"clause":"Section II","heading":"DAMAGE TO PROPERTY","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-ii"},{"clause":"1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1-3"},{"clause":"2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-3"},{"clause":"Section IV","heading":"MONEY (MONEY IN SAFE ONLY)","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-iv"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1-5"},{"clause":"2","heading":"Property Damage (including the reasonable costs incurred by the Insured for changing","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-5"},{"clause":"1","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1-6"},{"clause":"2","heading":"Accidental loss of or damage to material property not belonging to you","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-2-6"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says indemnity is in excess of the Deductible, but the fixed amount or percentage for this product is not printed in the policy wording; the CIS shows only a placeholder and an illustration.","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":"This insurance is not cancellable and there can be no return of premium.","display":"Not cancellable; no return of premium","note":"The policy wording does not print a cancellation refund condition; this is stated in the prospectus.","quote":"This Insurance is no cancellable and there can be no return of premium.","sources":[{"clause":null,"heading":"EXCLUSIONS APPLICABLE TO ALL SECTIONS","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6050#c-exclusions-applicable-to-all-sections"}],"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 covers insured events arising during the policy period within India, and payment is within India in Indian Rupees only.","display":"Within India; payment in India in Indian Rupees only","note":null,"quote":"This Policy covers insured events arising during the Policy Period within India. The Company’s liability to make any payment shall be to make payment within India and in Indian Rupees only.","sources":[{"clause":"10","heading":"Territorial Limits","page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-10"}],"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 the wedding event and related risks: cancellation or postponement of the insured wedding, damage to property, personal accident for the named bride and groom and blood relatives if insured, money in safe, burglary, and public liability.","display":"Wedding event: cancellation/postponement, property damage, personal accident, money in safe, burglary and public liability","note":null,"quote":"insured wedding ... Cover will operate during the entire tenure of the policy at the declared venues only ... Personal Accident is a cover, for the named Bride and Groom and their blood relatives (if insured). ... The Company will indemnify the Insured for Claims made in respect of and Up to the Limit of Indemnity specified for the loss of Money from a Safe and/or Strong Room caused by Burglary or Robbery ... Loss of or damage to valuables like jewellery, ornaments, precious stones , metals, appliances ... The Company shall pay up to the limit of indemnity stated in the schedule in respect of any claim or series of claims arising out of one incident","sources":[{"clause":"Section I","heading":"WEDDING CANCELLATION & POSTPONEMENT","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-i"},{"clause":"Section II","heading":"DAMAGE TO PROPERTY","page":2,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-ii"},{"clause":"Section III","heading":"PERSONAL ACCIDENT","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-iii"},{"clause":"Section IV","heading":"MONEY (MONEY IN SAFE ONLY)","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-iv"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-1-5"},{"clause":"Section VI","heading":"PUBLIC LIABILITY","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058#c-section-vi"}],"law":[]}],"documents":[{"kind":"wording","label":"Vivah Suraksha Policy Policy Wordings","pages":14,"fetched_at":"2026-10-17 19:44:35+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/vivah-suraksha-policy/policy-wording/vivah-suraksha-retail-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6058"},{"kind":"prospectus","label":"Vivah Suraksha Policy Prospectus Form","pages":4,"fetched_at":"2026-10-17 19:44:26+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/vivah-suraksha-policy/prospectus-forms/vivah-suraksha-retail-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6050"},{"kind":"cis","label":"Vivah Suraksha Policy Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:44:27+00","source_url":"https://www.generalicentralinsurance.com/downloads/other-insurance/vivah-suraksha-policy/customer-information-sheet/vivah-suraksha-policy-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112/document/6052"}],"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":"Vivah Suraksha Policy (UIN IRDAN132RPMS0002V01201112), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/vivah-suraksha-policy-irdan132rpms0002v01201112"}