{"uin":"IRDAN134CP0045V01201314","name":"Product Recall","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314","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":"This is a product recall insurance policy covering product recall expenses and product recall liability for recalls of products or products containing the insured's products. The coverage territory is anywhere in the world except countries or jurisdictions subject to United States trade or economic sanctions or embargo.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:32:41.834516+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":"No named plan variants are stated; the documents describe coverages and endorsements rather than plans.","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 documents refer to the policy period shown in the Schedules but do not print a fixed product term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notify the insurer as soon as practicable of any actual, suspected or threatened defect or government investigation that may result in a product recall or claim. If a product recall, claim or suit is initiated, record the specifics and give written notice as soon as practicable.","display":"As soon as practicable; written notice as soon as practicable after a product recall, claim or suit.","note":null,"quote":"You must see to it that we are notified as soon as practicable of any actual, suspected or threatened \"defect\" in \"your product\", or any governmental investigation, that may result in a \"product recall\" or a claim. ... If a \"product recall\" is initiated, you must:\n1. Immediately record the specifics of the \"product recall\" and the date it was initiated; and\n2. Notify us as soon as practicable. You must see to it that we receive written notice of the \"product recall\" as soon as practicable. ... If a claim is made or \"suit\" is brought against any insured, you must:\n1. Immediately record the specifics of the claim or \"suit\" and the date received; and\n2. Notify us as soon as practicable. You must see to it that we receive written notice of the claim or \"suit\" as soon as practicable.","sources":[{"clause":"2(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-a-4"},{"clause":"2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-b-4"},{"clause":"2(d)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-d-4"}],"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":["copies of any pertinent correspondence received in connection with the \"product recall\", claim or \"suit\"","Completely filled-in claim form","Government notification if recalled due to government ban","Recall Strategy documents","Loss Statement/ Financial Reports","additional documents for settling claim if deemed necessary"],"display":"Pertinent correspondence; claim form; government notification if recalled due to government ban; recall strategy documents; loss statement/financial reports; additional documents if necessary.","note":"Prospectus says details as given in the claim form are to be submitted within 15 days from intimation, and listed claim documents within 30 days from date of intimating the claim.","quote":"You and any other involved insured must:\n1. Immediately send us copies of any pertinent correspondence received in connection with the \"product recall\", claim or \"suit\"; ... Details as given in claim form should be submitted to the Company with a period of 15 days from date of intimation. ... Claim Documents:\nYou must submit any or all of the below mentioned document(s) as requested by us for settling your claim within 30 days from date of intimating the claim.\n➢ Completely filled-in claim form ➢ Government notification if recalled due to government ban ➢ Recall Strategy documents ➢ Loss Statement/ Financial Reports\nPlease note that the Company may seek additional documents for settling claim if deemed necessary. ➢","sources":[{"clause":"2(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-e-3"},{"clause":"2","heading":"Submission of documents","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17869#c-2"},{"clause":"5","heading":"Steps to mitigate loss","page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17869#c-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The claims procedure states document submission and surveyor appointment steps, but no claim decision or payment timeline is promised.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Breach of Warranty and Failure to Conform to Intended Purpose","Infringement of Copyright, Patent, Trade Secret, Trade Dress or Trademark","Deterioration, Decomposition or Chemical Transformation","Goodwill, Market Share, Revenue, Profit or Redesign","Expiration of Shelf Life","Known Defect","Governmental Ban","Defense of Claim","Third Party Damages, Fines and Penalties","Pollution-Related Expenses","Intercompany Suits","Contractual Liability","War","Bodily Injury or Property Damage"],"display":"Breach of warranty/failure to conform; IP infringement; deterioration, decomposition or chemical transformation; goodwill, market share, revenue, profit or redesign; shelf life expiry; known defect; governmental ban; defense of claim; third party damages, fines and penalties; pollution-related expenses; intercompany suits; contractual liability; war; bodily injury or property damage.","note":"Coverage A and Coverage B have separate exclusion sections; the list combines key exclusions from both.","quote":"This insurance does not apply to \"product recall expenses\" arising out of: ... a) Breach of Warranty and Failure to Conform to Intended Purpose Any \"product recall\" initiated due to the failure of \"your products\" to accomplish their intended purpose, including any breach of warranty of fitness, whether written or implied. ... b) Infringement of Copyright, Patent, Trade Secret, Trade Dress or Trademark Any \"product recall\" initiated due to copyright, patent, trade secret, trade dress or trademark infringements. ... c) Deterioration, Decomposition or Chemical Transformation Any \"product recall\" initiated due to the transformation of a chemical nature, deterioration or decomposition of \"your product\". ... d) Goodwill, Market Share, Revenue, Profit or Redesign The costs of regaining goodwill, market share, revenue or \"profit\" or the costs of redesigning \"your product\". ... e) Expiration of Shelf Life Any \"product recall\" initiated due to expiration of the designated shelf life of \"your product\". ... f) Known Defect A \"product recall\" initiated due to a \"defect\" in \"your product\" known to exist by the Named Insured or the Named Insured's \"executive officers\", prior to the date when this Product Recall Coverage Part was first issued to you or prior to the time \"your product\" leaves your control or possession. ... g) Governmental Ban A recall when \"your product\" or a component contained within \"your product\" has been: ... h) Defense of Claim The defense of a claim or \"suit\" against you for liability arising out of a \"product recall\". ... i) Third Party Damages, Fines and Penalties Any compensatory damages, fines, penalties, punitive or exemplary or other non-compensatory damages imposed upon the insured. ... j) Pollution-Related Expenses Any loss, cost or expense due to any: ... This insurance does not apply to \"product recall expenses\" arising out of: ... i) Intercompany Suits Any claim for damages by any Named Insured against another Named Insured. ... j) Contractual Liability Any \"product recall\" expense or cost for which the insured has assumed liability in a contract or agreement. ... m) War Any loss, cost or expense due to: ... o) Bodily Injury or Property Damage \"Bodily injury\" or \"property damage\".","sources":[{"clause":"2","heading":"Exclusions – Coverage A","page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-2"},{"clause":"2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-a"},{"clause":"2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-b"},{"clause":"2(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-c"},{"clause":"2(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-d"},{"clause":"2(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-e"},{"clause":"2(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-f"},{"clause":"2(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-g"},{"clause":"2(h)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-h"},{"clause":"2(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-i"},{"clause":"2(j)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-j"},{"clause":null,"heading":"2. Exclusions– Coverage B","page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-exclusions-coverage-b"},{"clause":"2(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-i-2"},{"clause":"2(j)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-j-2"},{"clause":"2(m)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-m"},{"clause":"2(o)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-o"}],"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 approach the insurer's internal grievance cell. If not satisfied with the resolution, the insured may approach the Insurance Ombudsman subject to vested jurisdiction.","display":"Approach the internal grievance cell first; if not satisfied, approach the Insurance Ombudsman.","note":null,"quote":"In case the Insured is aggrieved in any way, the Insured should approach our internal grievance cell for purpose of resolution. If the Insured is not satisfied with the resolution then the Insured may, subject to vested jurisdiction, approach Insurance Ombudsman for the redressal of the grievance.","sources":[{"clause":null,"heading":"Grievance Redressal","page":14,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-grievance-redressal"}],"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":["\"product recall expenses\" incurred by you because of a \"product recall\"","\"product recall\" initiated because you determine that the \"product recall\" is necessary","\"product recall\" initiated because an authorized government entity has ordered you to conduct a \"product recall\"","damages for \"product recall expenses\" incurred because of a \"product recall\""],"display":"Product recall expenses; recalls you determine are necessary; recalls ordered by an authorized government entity; product recall liability damages.","note":null,"quote":"We will reimburse you for \"product recall expenses\" incurred by you because of a \"product recall\" to which this insurance applies. ... This insurance applies to a \"product recall\" only if the \"product recall\" is initiated in the \"coverage territory\" during the policy period because:\n1. You determine that the \"product recall\" is necessary; or\n2. An authorized government entity has ordered you to conduct a \"product recall\". ... We will pay those sums that the insured becomes legally obligated to pay as damages for \"product recall expenses\" incurred because of a \"product recall\" to which this insurance applies.","sources":[{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-1-a"},{"clause":"1(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-1-b"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-a-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording refers to a deductible amount, if any, shown in the Schedules and says it applies separately to each product recall, but no deductible amount is printed in the provided documents.","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":"not-stated","value":null,"display":null,"note":"The documents do not state the refund payable if the insured cancels during the policy year.","quote":null,"sources":[],"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":"Coverage is anywhere in the world except any country or jurisdiction subject to trade or other economic sanction or embargo by the United States of America.","display":"Worldwide, except countries or jurisdictions subject to United States trade or economic sanction or embargo.","note":null,"quote":"\"Coverage territory\" means anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America.","sources":[{"clause":"2","heading":"\"Coverage territory\"","page":12,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-6"}],"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 product recall expenses and product recall liability for recalls from the market or from use of the insured's products, or products containing the insured's products, because of known or suspected defects or product tampering that has caused or is reasonably expected to cause bodily injury or physical injury to tangible property.","display":"Product recall expenses and product recall liability for recalls of your products or products containing your products due to known or suspected defects or product tampering.","note":null,"quote":"We will reimburse you for \"product recall expenses\" incurred by you because of a \"product recall\" to which this insurance applies. ... We will pay those sums that the insured becomes legally obligated to pay as damages for \"product recall expenses\" incurred because of a \"product recall\" to which this insurance applies. ... \"Product recall\" means the recall or recall: ... a) From the market; or ... b) From use by any other person or organization; of \"your products\", or products which contain \"your products\", because of known or suspected \"defects\" in \"your product\", or known or suspected \"product tampering\", which has caused or is reasonably expected to cause \"bodily injury\" or physical injury to tangible property other than \"your product\".","sources":[{"clause":"1(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-1-a"},{"clause":"2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-2-a-2"},{"clause":"9","heading":"\"Product recall\"","page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-9-2"},{"clause":"9(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-9-a"},{"clause":"9(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868#c-9-b"}],"law":[]}],"documents":[{"kind":"wording","label":"Product Recall Insurance Policy - Policy Wordings","pages":27,"fetched_at":"2026-10-17 20:14:21+00","source_url":"https://www.universalsompo.com/assets/file/product-recall/product-recall-policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17718"},{"kind":"wording","label":"Product Recall - Policy Wording","pages":18,"fetched_at":"2026-10-17 20:17:59+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/product-recall/policy-wordings.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17868"},{"kind":"prospectus","label":"Product Recall Insurance Policy - Prospectus / Brochure","pages":27,"fetched_at":"2026-10-17 20:14:13+00","source_url":"https://www.universalsompo.com/assets/file/product-recall/product-recall-prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17714"},{"kind":"prospectus","label":"Product Recall - Prospectus/Sales Literature","pages":6,"fetched_at":"2026-10-17 20:17:56+00","source_url":"https://www.universalsompo.com/assets/file/withdrawn-products/withdrawn-products-1/product-recall/prospectus.pdf","url":"https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314/document/17869"}],"versions":[{"uin":"IRDAN134CP0444V01202122","version":null,"approved_on":null},{"uin":"IRDAN134CP0045V01201314","version":null,"approved_on":null}],"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":"Product Recall (UIN IRDAN134CP0045V01201314), IndiaInsurances, https://indiainsurances.com/policy/universal-sompo-general-insurance/product-recall-irdan134cp0045v01201314"}