{"uin":"IRDAN137RP0012V01201011","name":"Baggage","url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011","insurer":{"slug":"shriram-general-insurance","name":"Shriram General Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-general-insurance"},"line":"general","category":"other-general","category_name":"Other general insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2010-08-13","withdrawn_on":null,"summary":"Baggage Insurance is an indemnity general insurance policy for loss of or damage to accompanying baggage during a journey due to fortuitous accident, burglary, housebreaking, theft or terrorism. It has a compulsory excess of 0.25% of claim amount subject to a minimum of Rs. 1000/- and requires immediate written notice of a claim event.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:43:47.826018+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy wording and CIS refer to the period or From/To dates stated in the Schedule, but the actual term is not 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":"The insured must give immediate written notice to the nearest office, with a copy to the policy issuing office, and lodge a police complaint forthwith. Loss or damage not reported to local Police within 24 hours of discovery with a written report obtained is excluded.","display":"Immediate written notice to the nearest office, with copy to policy issuing office; police complaint forthwith. Police report within 24 hours of discovery.","note":null,"quote":"The insured shall give immediate notice thereof in writing to the nearest office with a copy to the Policy issuing office of the Company as well as lodge forth with a complaint with the Police. ... Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority.","sources":[{"clause":"14(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14-a"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-12"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["a written report from local Police","a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained","all reasonable information, assistance and proofs in connection with any claim"],"display":"Police written report; detailed written statement of loss or damage with value estimate within 14 days; all reasonable information, assistance and proofs.","note":null,"quote":"Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority. ... The insured shall deliver to the Company, within 14 days of the date on which the event shall have come to his knowledge, a detailed statement in writing, of the loss or damage, with an estimate of the intrinsic value of the property lost and the amount of damage sustained. ... The Insured shall tender to the Company all reasonable information, assistance and proofs in connection with any claim hereunder.","sources":[{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-12"},{"clause":"14(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14-b"},{"clause":"14(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14-c"}],"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 prospectus says the insurer will ensure fast settlement after submission of relevant documents, but it does not give a time limit.","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":["The Excess stated in the Schedule to be borne by the Insured for each occurrence.","Loss of or damage due to cracking, scratching or breakage of lens or glass whether part of any equipment or otherwise or of china, marble, screen and other article of brittle or fragile nature unless such loss or damage arises from accident to vessel, vehicle, train or aircraft by which such Property insured is conveyed.","Loss of or damage caused by moth, mildew, vermin or any process of cleaning, repairing, dyeing or restoring to which the Property insured is subjected.","Loss of or damage to any electrical and electronic machines, apparatus fixtures or fitting (including computer, radio, television set and tape recorders) arising from over running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included).","Loss of or damage caused by mechanical derangement or over winding of watches and clocks.","Theft from car except from car of fully enclosed saloon type having all doors, windows and other openings securely locked and properly fastened.","Loss of or damage whilst being conveyed by any carrier under contract of affreightment.","Damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, business books or documents, jewellery, watches, furs, precious metals, precious stones, gold or silver ornaments or any other valuables including cash, cheque, travel tickets, bank drafts, share certificates and stamps.","Loss or damage to the perishable and consumable goods","Loss of articles like fans, umbrellas, sun glasses, sticks in use on the voyage and articles or clothes whilst being worn on the person of the Insured or carried about.","Damage due to confiscation or detainment by the order of any Govt. or any other public authority.","Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority.","Damage or destruction caused by or arising from the leakage, spilling or exploding of liquids, oils or materials of a like nature or articles of a dangerous or damaging nature.","Mobile Phones, Laptops, Cameras, Video cameras are excluded from the scope of cover unless specifically declared and agreed upon by the Company."],"display":"Excess; fragile items; moth, mildew, vermin, cleaning or repair; electrical damage; mechanical derangement of watches and clocks; theft from unsecured cars; carrier under contract of affreightment; money, securities and valuables; perishables and consumables; articles in use or worn; confiscation or detainment; police reporting failure within 24 hours; leaking or spilling liquids; mobile phones, laptops, cameras and video cameras unless declared.","note":null,"quote":"The Excess stated in the Schedule to be borne by the Insured for each occurrence. ... Loss of or damage due to cracking, scratching or breakage of lens or glass whether part of any equipment or otherwise or of china, marble, screen and other article of brittle or fragile nature unless such loss or damage arises from accident to vessel, vehicle, train or aircraft by which such Property insured is conveyed. ... Loss of or damage caused by moth, mildew, vermin or any process of cleaning, repairing, dyeing or restoring to which the Property insured is subjected. ... Loss of or damage to any electrical and electronic machines, apparatus fixtures or fitting (including computer, radio, television set and tape recorders) arising from over running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity from whatever cause (lightning included). ... Loss of or damage caused by mechanical derangement or over winding of watches and clocks. ... Theft from car except from car of fully enclosed saloon type having all doors, windows and other openings securely locked and properly fastened. ... Loss of or damage whilst being conveyed by any carrier under contract of affreightment. ... Damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, stamps, business books or documents, jewellery, watches, furs, precious metals, precious stones, gold or silver ornaments or any other valuables including cash, cheque, travel tickets, bank drafts, share certificates and stamps. ... Loss or damage to the perishable and consumable goods ... Loss of articles like fans, umbrellas, sun glasses, sticks in use on the voyage and articles or clothes whilst being worn on the person of the Insured or carried about. ... Damage due to confiscation or detainment by the order of any Govt. or any other public authority. ... Loss or Damage not reported to local Police where the loss occurred, within 24 hours of discovery and a written report is obtained from such authority. ... Damage or destruction caused by or arising from the leakage, spilling or exploding of liquids, oils or materials of a like nature or articles of a dangerous or damaging nature. ... Mobile Phones, Laptops, Cameras, Video cameras are excluded from the scope of cover unless ... specifically declared and agreed upon by the Company.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-3"},{"clause":"4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-5"},{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-6"},{"clause":"7","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-7"},{"clause":"8","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-8"},{"clause":"9","heading":"Loss or damage to the perishable and consumable goods","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-9"},{"clause":"10","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-10"},{"clause":"11","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-11"},{"clause":"12","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-12"},{"clause":"13","heading":null,"page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-13"},{"clause":"14","heading":"Mobile Phones, Laptops, Cameras, Video cameras are excluded from the scope of cover unless","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14"}],"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 Branch Manager / Regional Manager of the local office which issued the Policy. If dissatisfied with the suggested resolution after contacting the local office, e-mail or write to the Grievance Cell, HO.","display":"First contact Branch Manager / Regional Manager of the issuing local office; then e-mail or write to Grievance Cell, HO.","note":null,"quote":"First Step Initially, We suggest you to contact the Branch Manager / Regional Manager of the local office which has issued the Policy. ... But if you feel dissatisfied with the suggested resolution of the issue after contacting the local office, please e-mail or write to Grievance Cell, HO, headed by a senior executive which will be directly under the control of the MD at the below mentioned address:","sources":[{"clause":null,"heading":"REDRESSAL OF GRIEVANCE","page":5,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["fortuitous accident","Burglary","housebreaking","theft","terrorism whilst on journey"],"display":"Fortuitous accident, Burglary, housebreaking, theft and terrorism whilst on journey.","note":"The prospectus says theft and terrorism can be excluded from the scope of cover for additional discount.","quote":"loss of or damage to accompanying baggage due to fortuitous accident, Burglary, housebreaking, theft, terrorism whilst on journey ... However theft & Terrorism can be excluded from the scope of cover to avail additional discount of:\na) Terrorism: 10%\nb) Theft: 20%","sources":[{"clause":null,"heading":"BAGGAGE INSURANCE POLICY WORDING","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-baggage-insurance-policy-wording"},{"clause":null,"heading":"It covers","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15694#c-it-covers"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Compulsory excess of 0.25% of claim amount subject to a minimum of Rs. 1000/-. Voluntary excess may be opted in addition to the compulsory excess.","display":"Compulsory excess of 0.25% of claim amount subject to a minimum of Rs. 1000/-.","note":"Voluntary excess options are 2 Times of Compulsory Excess, 5 times of Compulsory Excess, and 10 Times of Compulsory Excess.","quote":"Compulsory excess of 0.25% of claim amount subject to a minimum of Rs. 1000/- ... The insured will be eligible for higher discounts for opting voluntary excess in addition to the Compulsory Excess.\nVoluntary Excess | Discount Percentage\n2 Times of Compulsory Excess | 5%\n5 times of Compulsory Excess | 10%\n10 Times of Compulsory Excess | 20%","sources":[{"clause":null,"heading":"EXCESS","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-excess"},{"clause":null,"heading":"VOLUNTARY EXCESS","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-voluntary-excess"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The Insured may give 15 days’ notice in writing for cancellation. The Company retains premium for the period the policy has been in force at short period scales: not exceeding 1 week 10% of Annual Rate, 1 month 25%, 2 months 35%, 3 months 50%, 4 months 60%, 6 months 75%, 8 months 85%, and exceeding 8 months Full Annual Rate.","display":"Cancel with 15 days’ written notice; refund is after retaining premium at the short period scale.","note":null,"quote":"The Insured may also give 15 days’ notice in writing, to the Company, for the cancellation of this policy, in which case the Company shall retain the premium for the period this Policy has been in force at the Company’s short period scales. ... Policy Period Required | % of Annual Rate\nNot exceeding 1 week | 10 % of Annual Rate\nNot exceeding 1 month | 25 % of Annual Rate\nNot exceeding 2 months | 35 % of Annual Rate\nNot exceeding 3 months | 50 % of Annual Rate\nNot exceeding 4 months | 60 % of Annual Rate\nNot exceeding 6 months | 75 % of Annual Rate\nNot exceeding 8 months | 85 % of Annual Rate\nExceeding 8 months | Full Annual Rate","sources":[{"clause":"14(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14-c"},{"clause":null,"heading":"11. SHORT PERIOD SCALE","page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-11-short-period-scale"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording only says cover applies anywhere in the Territorial Limits specified in the Schedule; the actual geographic territory is not printed.","quote":null,"sources":[],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures accompanying baggage, meaning personal goods belonging to the insured or goods for which he or she is responsible officially, necessary for the journey and taken or acquired during the journey.","display":"Accompanying baggage on a journey.","note":null,"quote":"indemnify the Insured against loss of or damage to accompanying baggage due to fortuitous accident, Burglary, housebreaking, theft, terrorism whilst on journey ... Accompanying baggage: Accompanying baggage shall mean personal goods belonging to the Insured or goods for which he or she is responsible officially and such goods are necessary for the purposes of his journey and are being taken by him or her on journey or acquired by him/her during the journey.","sources":[{"clause":null,"heading":"BAGGAGE INSURANCE POLICY WORDING","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-baggage-insurance-policy-wording"},{"clause":"14","heading":"Mobile Phones, Laptops, Cameras, Video cameras are excluded from the scope of cover unless","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678#c-14"}],"law":[]}],"documents":[{"kind":"wording","label":"Baggage (policy wordings)","pages":7,"fetched_at":"2026-10-17 20:04:21+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/dfd50b70-b840-4a68-a699-8914e1474751_36%20-%20Baggage%20(Policy%20Wordings).pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15678"},{"kind":"prospectus","label":"Baggage (prospectus)","pages":3,"fetched_at":"2026-10-17 20:05:04+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/85d588d8-ef2b-4a33-b277-b032a70ec874_36%20%20-%20Baggage%20Insurance.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15694"},{"kind":"cis","label":"Baggage (cis)","pages":1,"fetched_at":"2026-10-17 20:01:01+00","source_url":"https://cdn.shriramgi.com/webassets/download/cis/63928fa4-4e84-4929-a0be-5e1c2ae3469c_CIS-%20Baggage%20Insurance.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011/document/15580"}],"versions":[{"uin":"GEN481","version":null,"approved_on":null},{"uin":"IRDAN137RP0012V01201011","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Shriram General Insurance official website","url":"https://www.shriramgi.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.shriramgi.com/claims","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 mechanism","url":"https://www.shriramgi.com/grievance-redressal-mechanism","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":"Bike insurance renewal","url":"https://www.shriramgi.com/bike-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.shriramgi.com/car-renewal","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":"Baggage (UIN IRDAN137RP0012V01201011), IndiaInsurances, https://indiainsurances.com/policy/shriram-general-insurance/baggage-irdan137rp0012v01201011"}