{"uin":"IRDAN134CP0043V01201213","name":"Film Insurance Policy","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213","insurer":{"slug":"universal-sompo-general-insurance","name":"Universal Sompo General Insurance Company Limited","url":"https://indiainsurances.com/insurer/universal-sompo-general-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":"Film Insurance Policy insures a film production and scheduled sections such as cast non-appearance, negative film and videotape, equipment, money, personal accident, public liability, employee compensation, inclement weather, animal and chartered vehicles. Territorial scope is India, with claim intimation required immediately for general claims and within 14 days for bodily injury claims under Sections 1 and 6.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:31:28.958651+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 describe coverage sections, but do not name separate 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 term is tied to the Policy Period, Policy End Date or Schedule, but no fixed 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":"General claims must be intimated immediately through the call centre or in writing at the policy issuing office. For Sections 1 and 6 bodily injury claims, written notice must be given as soon as possible and within 14 days of injury; liability claims require written notice immediately and within 7 days.","display":"Immediately for general claims; Sections 1 and 6 within 14 days of injury; liability claims immediately and within 7 days","note":"The 7-day written notice wording appears under the public liability section conditions.","quote":"Upon the happening of any event giving rise to a claim, You/Insured Person shall Immediately contact Us and intimate the claim through Our call centre or in writing at the Policy issuing office. ... If You/ Insured Person shall sustain any bodily injury in respect of which a claim is or may be made hereunder prompt written notice thereof shall be given to Us as soon as possible but in any event within fourteen days of the date of injury. ... It is a condition precedent to Our liability hereunder that You shall immediately and in any event within 7 days give Us written notice, to the address specified in the Schedule for this purpose, of:","sources":[{"clause":null,"heading":"CLAIMS PROCEDURE","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-claims-procedure"},{"clause":null,"heading":"For Sections 1, 6","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-for-sections-1-6"},{"clause":null,"heading":"Special Conditions Applicable to Section 5","page":19,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-special-conditions-applicable-to-section-5"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Policy Copy","Medical Reports","Medical Receipts/ Original Medical Bills","Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability","Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement","F.I.R. and Panchnama wherever applicable (original or certified copies)","Original medical bills","Suppliers’ original Invoice for replacement of any of the items of the Insured Property, damaged by the Accident and requiring replacement in the opinion of the surveyors/claim investigators","Rent/ Lease agreement wherever required","A copy of FIR/ DDR as applicable","Proof of ownership- bills, etc","Weather/ Climatic Reports","Pictures for proof","Any other document as may be required by Us."],"display":"Policy copy, medical reports/bills, investigation reports, disability certificate, FIR/Panchnama or FIR/DDR where applicable, supplier invoice, rent/lease agreement, proof of ownership, weather/climatic reports, pictures for proof, and any other document required","note":"Different documents apply by claim type.","quote":"a) Policy Copy\nb) Medical Reports\nc) Medical Receipts/ Original Medical Bills\nd) Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability\ne) Any other document as may be required by Us. ... a) Policy Copy\nb) Disability certificate - Authorized Medical Practitioner of the district/ units concerned, (certificate) stating percentage of disablement\nc) F.I.R. and Panchnama wherever applicable (original or certified copies)\nd) Medical report\ne) Investigation reports like laboratory test, X-rays and reports essential of confirmation of the type and percentage of disability\nf) Original medical bills\ng) Any other document as may be required by Us. ... a) Policy Copy\nb) Suppliers’ original Invoice for replacement of any of the items of the Insured Property, damaged by the Accident and requiring replacement in the opinion of the surveyors/claim investigators\nc) Rent/ Lease agreement wherever required\nd) A copy of FIR/ DDR as applicable\ne) Proof of ownership- bills, etc\nf) Any other document as may be required by Us. ... a) Policy Copy\nb) Weather/ Climatic Reports\nc) Pictures for proof\nd) Any other document as may be required by Us.","sources":[{"clause":null,"heading":"In case of Death","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-in-case-of-death"},{"clause":null,"heading":"In case of Permanent Total Disablement","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-in-case-of-permanent-total-disablement"},{"clause":null,"heading":"In case of claims under Section 2, 3, 4, 5 and 7","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-in-case-of-claims-under-section-2-3-4-5-and-7"},{"clause":null,"heading":"In case of claims under Section 9","page":27,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-in-case-of-claims-under-section-9"}],"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":"On receipt of required information, claim form and documents, the insurer offers a settlement or rejects the claim with reasons after receiving complete information. For Sections 2, 3, 4, 5, 7 and 9, a surveyor is appointed within 72 hours if required, and rejection is within 30 days from receipt of the survey report or additional survey report/documents.","display":"Settlement after complete information; surveyor within 72 hours for Sections 2, 3, 4, 5, 7 and 9 if required; rejection within 30 days from survey/additional report/documents","note":"The policy promises a 30-day timeline for rejection after survey/additional report/documents, but does not state a fixed number of days for payment of an admitted claim.","quote":"On receipt of all the required information along with the claim form and the required\nPolicy Wordings: Film Insurance documents, We shall offer a settlement of the claim to You. ... a) On receipt of all the required information along with the claim form, We shall appoint a surveyor for assessing the loss/ claim within 72 hours of the receipt of intimation from You, if required ... We shall do so within a period of 30 days from the receipt of the survey report or the additional survey report/ documents, as the case may be.","sources":[{"clause":null,"heading":"CLAIMS PROCEDURE","page":25,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-claims-procedure"},{"clause":null,"heading":"For Sections 2, 3, 4, 5, 7 and 9","page":26,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-for-sections-2-3-4-5-7-and-9"}],"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":["Any pre-existing condition/disease/illness/disability / accidental injury.","The Insured/insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.","Foreign invasion, act of foreign enemies, hostilities ( whether war declared or not), civil war, rebellion, revolution, insurrection, military, usurped power, riot, civil commotion, act of terrorism","Alcohol or drug abuse.","Ionising radiation or contamination from radioactivity from any nuclear fuel or from any nuclear waste by combustion of nuclear fuel","Nuclear weapons/materials or radioactive contamination.","Insured Person whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding. mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports.","If any uninsured event occurs before, concurrently with or after the happening of an insured event and directly or indirectly causes or in any way contributes to cause a loss as defined herein under the terms of this Policy, then the portion of any such loss so contributed to by the uninsured event shall not be a loss recoverable hereunder.","Any consequential loss or damage which You may suffer by reason of claims by third parties for Your failure to fulfill any contract is hereby excluded.","This Policy does not insure against loss or damage caused by or resulting from any fraudulent, dishonest, or criminal act(s)","This Policy does not insure against loss or damage caused by or resulting from any terrorist activities unless specifically covered","Shooting in India during the monsoon period."],"display":"Main exclusions include pre-existing conditions, breach of law, war/terrorism, alcohol or drug abuse, nuclear/radioactive contamination, hazardous sports, uninsured events, consequential loss, fraudulent or dishonest acts, terrorist activities unless covered, and shooting in India during monsoon period.","note":"Section-specific exclusions also apply to the respective covers.","quote":"The Company shall not be liable to pay for any claim in respect of:\n1. Any pre-existing condition/disease/illness/disability / accidental injury. ... We shall not be liable to make any payment for any claim, directly or indirectly, caused by, based on, arising out of or howsoever attributable to any of the following:\n1. The Insured/insured Person committing any breach of law or participating in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.\n2. Foreign invasion, act of foreign enemies, hostilities ( whether war declared or not), civil war, rebellion, revolution, insurrection, military, usurped power, riot, civil commotion, act of terrorism\n3. Alcohol or drug abuse.\n4. Ionising radiation or contamination from radioactivity from any nuclear fuel or from any nuclear waste by combustion of nuclear fuel\n5. Nuclear weapons/materials or radioactive contamination.\n6. Insured Person whilst engaging in speed contest or racing of any kind (other than on\nfoot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding. mountain or rock climbing necessitating the use of guides or ropes,\nPolicy Wordings: Film Insurance potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports.\n7. Uninsured Event Exclusion If any uninsured event occurs before, concurrently with or after the happening of an insured event and directly or indirectly causes or in any way contributes to cause a loss as defined herein under the terms of this Policy, then the portion of any such loss so contributed to by the uninsured event shall not be a loss recoverable hereunder.\n8. Consequential Loss Any consequential loss or damage which You may suffer by reason of claims by third parties for Your failure to fulfill any contract is hereby excluded.\n9. Infidelity Exclusion This Policy does not insure against loss or damage caused by or resulting from any fraudulent, dishonest, or criminal act(s) committed alone or in collusion with other by; Any employee, officer, director, partner, trustee or any other authorized representative of the Insured, whether or nor such act(s) be committed during regular business house.\n10. Terrorism Exclusion This Policy does not insure against loss or damage caused by or resulting from any terrorist activities unless specifically covered ... Specific Exclusions:\n1. Shooting in India during the monsoon period.","sources":[{"clause":null,"heading":"Specific Exclusions","page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-specific-exclusions"},{"clause":null,"heading":"Additional Benefits under the Policy","page":24,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-additional-benefits-under-the-policy"},{"clause":"9","heading":"Section 9 - Inclement Weather","page":23,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-9"}],"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 write to Customer Service at Universal Sompo General Insurance Company Limited, grievance@universalsompo.com, or visit a branch and meet the Branch Grievance Redressal Officer. If not satisfied or no response is received, write or email Customer Service at GRO@universalsompo.com before approaching the Insurance Ombudsman.","display":"Customer Service / Branch GRO first; then Customer Service at GRO@universalsompo.com if not satisfied or no response","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows:\nResolving Issue:\nWrite to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email: grievance@universalsompo.com For More details, visit – www.universalsompo.com Visit Branch Grievance Redressal Officer (GRO) - Walk into any of our nearest branches and request to meet the GRO. ... In case, the customer is not satisfied with the decision/resolution of the above office or have not received any response, he/she may write or email/mail to:\nCustomer Service Universal Sompo General Insurance Co. Ltd. Unit No. 601 & 602, 6th Floor, Reliable Tech Park, Thane-Belapur Road, Airoli, Navi Mumbai, Maharashtra – 400708 Email ID: GRO@universalsompo.com","sources":[{"clause":"17","heading":"Grievances","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-17"},{"clause":null,"heading":"Grievance Redressal Officer","page":31,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-grievance-redressal-officer"}],"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":["Cast Insurance - Non Appearance: Covers financial loss incurred due to non appearance of named cast members on happening of events covered under this section.","Negative Film and Videotape Insurance: Coves Financial Loss incurred due to destruction of Negative Film and / or Videotape on action of Fire and Allied Perils","All Risks – Equipment Cover: Covers all equipment’s such as props, wardrobes , miscellaneous equipment’s against all risks","Extra Expenses: Covers extra expenses over and above the budgeted production incurred due to happening of contingencies covered in Section 1, 2 and 3 above","Money Insurance: Covers the assured against loss destruction or damage to Money","Personal Accident: Covers Personal Accident risks of the persons mentioned in the Schedule","Public Liability- Property and Personal: Covers third party legal liabilities for property and personal claims","Employee’s Compensation: Covers legal liabilities to employees under Fatal Accident Act 1855, Employee’s Compensation Act 1923 and any amendments thereto","Inclement Weather conditions: Covers adverse weather conditions halting production of film","Animal Insurance: Covers Death Risks of Animal employed under the project","Chartered Vehicles: Covers vehicles against accidental and theft risks chartered by the Insured"],"display":"Cast non-appearance, negative film/videotape, equipment all risks, extra expenses, money, personal accident, public liability, employee compensation, inclement weather, animal and chartered vehicles","note":"The schedule has Y/N for each section; prospectus says Section 1 Cast Insurance and Section 2 Negative and Videotape Insurance are mandatory, and the rest are optional.","quote":"Section | Cover | Y/N | Deductible | Sum Insured | Premium\nSection 1 | Cast Insurance - Non Appearance: Covers financial loss incurred due to non appearance of named cast members on happening of events covered under this section.\nSection 2 | Negative Film and Videotape Insurance: Coves Financial Loss incurred due to destruction of Negative Film and / or Videotape on action of Fire and Allied Perils\nSection 3 | All Risks – Equipment Cover: Covers all equipment’s such as props, wardrobes , miscellaneous equipment’s against all risks\nSection 4 | Extra Expenses: Covers extra expenses over and above the budgeted production incurred due to happening of contingencies covered in Section 1, 2 and 3 above\nSection 5 | Money Insurance: Covers the assured against loss destruction or damage to Money\nSection 6 | Personal Accident: Covers Personal Accident risks of the persons mentioned in the Schedule\nSection 7 | Public Liability- Property and Personal: Covers third party legal liabilities for property and personal claims\nSection 8 | Employee’s Compensation: Covers legal liabilities to employees under Fatal Accident Act 1855, Employee’s Compensation Act 1923 and any amendments thereto\nSection 9 | Inclement Weather conditions: Covers adverse weather conditions halting production of film\nSection 10 | Animal Insurance: Covers Death Risks of Animal employed under the project\nSection 11 | Chartered Vehicles: Covers vehicles against accidental and theft risks chartered by the Insured ... Section 1 “Cast Insurance” and Section 2 “Negative and Videotape” Insurance mandatory to be taken under the Policy, rest of the sections are optional.","sources":[{"clause":"8","heading":"Benefits and Extensions","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-8"},{"clause":null,"heading":"Who Can take this Policy","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17637#c-who-can-take-this-policy"}],"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 policy defines deductible and says it is as specified or shown in the Schedule for relevant sections, but no deductible amount is printed in the provided wording.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If the insured cancels in writing and there is no claim during the period of insurance, the insurer refunds premium after retaining short-period premium: 25% up to 1 month, 50% above 1 month up to 3 months, 75% above 3 months up to 6 months, and 100% above 6 months. If there is any claim, no refund is allowed.","display":"Short-period refund if no claim: insurer retains 25% up to 1 month, 50% above 1 to 3 months, 75% above 3 to 6 months, 100% above 6 months; no refund if any claim","note":null,"quote":"This insurance may be terminated at any time at the Your request in writing, in which case We will refund the premium as per the short period scale as below provided there is\nPolicy Wordings: Film Insurance no claim under the Policy during the Period of Insurance. In case of any claim, no refund of premium shall be allowed under the Policy. ... Period of Risk | Amount of the premium to be retained by the Company\nUp to 1 Month | 25% of Annual Premium\nAbove 1 Month up to 3 Months | 50% of Annual Premium\nAbove 3 Months up to 6 Months | 75% of Annual Premium\nAbove 6 Months | 100% of Annual Premium","sources":[{"clause":null,"heading":"9. Cancellation/termination","page":28,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-9-cancellation-termination"},{"clause":null,"heading":"Table of Short Period Rates","page":29,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-table-of-short-period-rates"}],"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":"India.","display":"India","note":null,"quote":"Territorial Scope: India","sources":[{"clause":"5","heading":"Territorial Scope: India","page":1,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-5"}],"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 a production, meaning any motion picture or television production, series of television episodes, or other production on film or tape within territorial limits and described in the Schedule. Scheduled covers include cast, negative film/videotape, equipment, extra expenses, money, personal accident, public liability, employee compensation, inclement weather, animal insurance and chartered vehicles.","display":"Film or television production and scheduled production-related cast, property, money, accident and liability risks","note":null,"quote":"Production\nMeans any motion picture or television production, or a series of television episodes, or any other production on film or tape, which is within territorial limits and more fully described in the Schedule. ... Section | Cover | Y/N | Deductible | Sum Insured | Premium\nSection 1 | Cast Insurance - Non Appearance: Covers financial loss incurred due to non appearance of named cast members on happening of events covered under this section.\nSection 2 | Negative Film and Videotape Insurance: Coves Financial Loss incurred due to destruction of Negative Film and / or Videotape on action of Fire and Allied Perils\nSection 3 | All Risks – Equipment Cover: Covers all equipment’s such as props, wardrobes , miscellaneous equipment’s against all risks\nSection 4 | Extra Expenses: Covers extra expenses over and above the budgeted production incurred due to happening of contingencies covered in Section 1, 2 and 3 above\nSection 5 | Money Insurance: Covers the assured against loss destruction or damage to Money\nSection 6 | Personal Accident: Covers Personal Accident risks of the persons mentioned in the Schedule\nSection 7 | Public Liability- Property and Personal: Covers third party legal liabilities for property and personal claims\nSection 8 | Employee’s Compensation: Covers legal liabilities to employees under Fatal Accident Act 1855, Employee’s Compensation Act 1923 and any amendments thereto\nSection 9 | Inclement Weather conditions: Covers adverse weather conditions halting production of film\nSection 10 | Animal Insurance: Covers Death Risks of Animal employed under the project\nSection 11 | Chartered Vehicles: Covers vehicles against accidental and theft risks chartered by the Insured","sources":[{"clause":null,"heading":"Production","page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-production"},{"clause":"8","heading":"Benefits and Extensions","page":2,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642#c-8"}],"law":[]}],"documents":[{"kind":"wording","label":"Film Insurance Policy - Policy Wordings","pages":36,"fetched_at":"2026-10-17 20:11:14+00","source_url":"https://www.universalsompo.com/assets/file/film-insurance/film-insurance-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17642"},{"kind":"prospectus","label":"Film Insurance Policy - Prospectus / Brochure","pages":20,"fetched_at":"2026-10-17 20:11:02+00","source_url":"https://www.universalsompo.com/assets/file/film-insurance/film-insurance-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213/document/17637"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Universal Sompo General Insurance official website","url":"https://www.universalsompo.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":"Claims","url":"https://www.universalsompo.com/claims/","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claim intimation","url":"https://www.universalsompo.com/claimintimation/","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.universalsompo.com/resourse-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":"Renew now","url":"https://www.universalsompo.com/renew-now/","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":"Film Insurance Policy (UIN IRDAN134CP0043V01201213), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/film-insurance-policy-irdan134cp0043v01201213"}