{"uin":"IRDAN144RP0002V01201213","name":"Event Cancellation","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-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":"Event Cancellation Insurance Policy indemnifies ascertained net loss when an insured event is cancelled, abandoned, postponed, interrupted, curtailed or relocated due to a non-excluded cause beyond the control of the assured and participant. It also has an optional legal liability section for third party bodily injury or property damage and the CIS states claim settlement within 7 days from receipt of the final survey report.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:44:29.839629+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":"quote-verified","value":"As per the duration of the event opted by proposer.","display":"As per the duration of the event opted by proposer","note":"From the prospectus.","quote":"Period of insurance:\nAs per the duration of the event opted by proposer","sources":[{"clause":"Section II","heading":"Legal Liability (Third Party Property Damage and Bodily Injury) – Optional","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15156#c-section-ii"}],"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":"Give notice as a matter of urgency to the person designated in the attached Schedule and confirm the facts in writing as soon as possible with all available information.","display":"As a matter of urgency; confirm facts in writing as soon as possible","note":null,"quote":"9.1.1 as a matter of urgency give notice to the person(s) designated in the attached Schedule, ... confirm the facts in writing as soon as possible, with all information that is available,","sources":[{"clause":"9.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-9-1"},{"clause":"9.1.2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-9-1-2"}],"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":["all information required","all documentation and records necessary to establish and assess indemnity hereunder and copies or extracts as may be required","a signed and sworn proof of loss","any letter, writ or other document received in connection with any claim made under this Insurance"],"display":"All information required; all documentation and records necessary to establish and assess indemnity; signed and sworn proof of loss; any letter, writ or other document received in connection with the claim","note":null,"quote":"provide the Insurers or their appointed representatives with: (I) all necessary assistance in a timely manner,\n(ii) all information required,\n(iii)all documentation and records necessary to establish and assess indemnity hereunder and copies or extracts as may be required; ... as soon as is practicable render a signed and sworn proof of loss to the Insurers or their representative to substantiate the occurrence, nature, cause and amount of loss claimed under this Insurance. ... forward immediately to the Insurers or their representatives any letter, writ or other document received in connection with any claim made under this Insurance.","sources":[{"clause":"9.1.5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-9-1-5"},{"clause":"9.2","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-9-2"},{"clause":"9.1.7","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-9-1-7"}],"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":"The CIS says the company will settle the claim within 7 days from receipt of the final survey report. If the surveyor report is not received within 15 days from allocation, the claim shall be settled within 22 days.","display":"7 days from receipt of the final survey report; 22 days if surveyor report is not received within 15 days from allocation","note":"The same CIS excerpt says this timeline is not applicable for policies issued on building/property on reinstatement basis.","quote":"will settle the claim within a period of 7 days from the receipt of the final survey report, as the case may be. Where the Company has failed to receive the report of surveyor within the stipulated time (15 days from allocation), in such case, the claim shall be settled within 22 days in compliance with section 64UM of Insurance Act, 1938. (This timeline is not applicable for policies issued on (building/property) on reinstatement basis)","sources":[{"clause":"6","heading":"Turn Around Time (TAT) for Claim Settlement: The Company","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15124#c-6"}],"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":["non-appearance of any person or group(s) of persons","the Assured's lack of care, diligence or prudent behaviour","any contractual dispute or breach by the Assured or any Participant","alterations or variance of Insured Event(s) without the prior written approval of the Insurers","any Insured Event(s) in the open or under canvas or in a temporary structure unless agreed by the Insurers in writing and stated in the Schedule","Expenses and Gross Revenue which have not been declared to and agreed by the Insurers","any reduction in attendance that is not specifically attributable to the necessary Cancellation, Abandonment, Postponement, Interruption, Curtailment or Relocation of the Insured Event(s)","any fraud, misrepresentation or concealment by the Assured","actual or threatened war, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power","civil commotion assuming the proportions of or amounting to a popular uprising, riot, martial law","seizure or destruction under quarantine or customs regulations, confiscation, nationalisation or requisition","any order for repatriation, internment, imprisonment, deportation or the refusal of permit to enter any country where the Insured Event(s) is to be held","ionising radiations or contamination by radioactivity from any nuclear fuel","withdrawal, insufficiency or lack of finance howsoever caused","Severe Acute Respiratory Syndrome (SARS) and/or Atypical Pneumonia and/or Bird Flu (Avian Flu) and/or Swine Flu"],"display":"Non-appearance; lack of care or prudent behaviour; contractual dispute or breach; alteration without approval; open/canvas/temporary structure unless agreed; undeclared Expenses and Gross Revenue; reduction in attendance not attributable to covered event disruption; fraud, misrepresentation or concealment; war; civil commotion/riot/martial law; quarantine/customs/confiscation; repatriation/internment/deportation/refusal of permit; nuclear radiation; lack of finance; SARS/atypical pneumonia/bird flu/swine flu or WHO epidemic/pandemic influenza variant","note":null,"quote":"This Insurance does not cover any loss directly or indirectly arising out of, contributed to by, or resulting from: 7.23 non-appearance of any person or group(s) of persons. 7.24 the Assured's lack of care, diligence or prudent behaviour, the result of which would increase the risk, and/or likelihood of a loss, hereunder. 7.25 any contractual dispute or breach by the Assured or any Participant. alterations or variance of Insured Event(s) without the prior written approval of the Insurers. 7.6 any Insured Event(s) in the open or under canvas or in a temporary structure unless agreed by the Insurers in writing and stated in the Schedule. ... 7.8 Expenses and Gross Revenue which have not been declared to and agreed by the Insurers. 7.9 any reduction in attendance that is not specifically attributable to the necessary Cancellation, Abandonment, Postponement, Interruption, Curtailment or Relocation of the Insured Event(s). ... any fraud, misrepresentation or concealment by the Assured. actual or threatened war, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power. civil commotion assuming the proportions of or amounting to a popular uprising, riot, martial law or the act of any lawfully constituted authority in the furtherance of maintaining public order. 7.14 seizure or destruction under quarantine or customs regulations, confiscation, nationalisation or requisition or destruction of or damage to property, by or under the order of any government or public or local authority, or the handling of contraband or the engaging in illicit trade or transportation. 7.15 any order for repatriation, internment, imprisonment, deportation or the refusal of permit to enter any country where the Insured Event(s) is to be held. 7.16 7.16.1 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, ... 7.18 7.18.1 withdrawal, insufficiency or lack of finance howsoever caused, ... 7.21 any loss expense or liability directly or indirectly arising out of attributable to or resulting from;\n1. Severe Acute Respiratory Syndrome (SARS) and/or\n2. Atypical Pneumonia and/or\n3. Bird Flu (Avian Flu) and/or\n4. Swine Flu and/or\n5. Any other influenza variant deemed an epidemic or pandemic by the WHO or any threat or fear thereof (whether actual or perceived).","sources":[{"clause":"7","heading":"EXCLUSIONS","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-7"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The policy gives Bima Bharosa as Stage 1, and alternatively says a grievance may be registered directly with the insurer by writing to the Head – Customer Care. If not satisfied or no response is received within 5 Business days, the matter may be escalated to the Grievance Redressal Officer before the Insurance Ombudsman.","display":"Stage 1 Bima Bharosa, or write to Head – Customer Care; then GRO if still not satisfied or no response within 5 Business days","note":null,"quote":"You can register your grievances with the regulator using the following link: https://bimabharosa.irdai.gov.in/Home/Home ... Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. We aim to respond to all Grievances within 7 days. ... In case, you are still not satisfied with the decision/resolution communicated by the above officer or have not received any response within 5 Business days, you may escalate the matter to the Grievance Redressal Officer (GRO) which will undergo a detailed case investigation, and we aim to resolve the issue within 7 days from the date of receipt of your Grievance at GRO Desk Email: gro@sbigeneral.in Designation: Grievance Redressal Officer Phone: 022-45138021","sources":[{"clause":null,"heading":"Stage 1: Bima Bharosa","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-stage-1-bima-bharosa"},{"clause":null,"heading":"Stage 2: Head – Customer Care","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-stage-3-grievance-redressal-officer-gro"}],"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":["Cancelled, Abandoned, Postponed, Interrupted, Curtailed or Relocated","proven additional costs or charges reasonably and necessarily paid by the Assured to avoid or diminish a loss payable hereunder","Third Party bodily injury or damage to Property","Defense Costs"],"display":"Cancellation, abandonment, postponement, interruption, curtailment or relocation; proven additional costs to avoid or diminish loss; optional legal liability for third party bodily injury or property damage and defence costs","note":"Legal Liability (Third Party Property Damage and Bodily Injury) is optional.","quote":"A.1This Section is to indemnify the Assured for their Ascertained Net Loss should any Insured Event(s) be necessarily Cancelled, Abandoned, Postponed, Interrupted, Curtailed or Relocated, which necessary Cancellation, Abandonment, Postponement, Interruption, Curtailment or Relocation is the sole and direct result of a cause not otherwise excluded which occurs during the period of insurance and is beyond the control of both the Assured and the Participant therein. A.2This Section also indemnifies the Assured for proven additional costs or charges reasonably and necessarily paid by the Assured to avoid or diminish a loss payable hereunder, provided such additional costs or charges do not exceed the amount of loss thereby avoided or diminished. ... B. SECTION II: Legal Liability (Third Party Property Damage and Bodily Injury) –Optional ... become legally liable to pay as compensation in respect of claims made against him for Third Party bodily injury or damage to Property arising out of accidents occurring during the Period of Insurance in the course of and at the Insured Event for which indemnity is provided by this insurance. ... Defense Costs incurred by Assured in any civil proceedings ... Defense Costs incurred by Assured with prior written consent","sources":[{"clause":null,"heading":"A. SECTION I: Cancellation and Abandonment","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-a-section-i-cancellation-and-abandonment"},{"clause":null,"heading":"B. SECTION II: Legal Liability (Third Party Property Damage and Bodily Injury) –Optional","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-section-ii-legal-liability-third-party-propert"},{"clause":"B.1","heading":"This Section is to indemnify the amount which Assured shall","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-1"},{"clause":"B.2","heading":"Defense Costs incurred by Assured in any civil proceedings","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-2"},{"clause":"B.3","heading":"Defense Costs incurred by Assured with prior written consent to","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording says the insurance is subject to deductible(s) stated in the Schedule and retained by the Assured, but the amount is not given 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":"quote-verified","value":"The insured can cancel at any time during the policy period by written notice. The company refunds proportionate premium for the unexpired period if the policy term is up to one year and no claim has been made, and refunds premium for the unexpired period for policies over one year where risk coverage for such policy years has not commenced.","display":"Proportionate refund for unexpired period if term is up to one year and no claim; for terms over one year, refund for unexpired policy years where risk has not commenced","note":null,"quote":"Insured can cancel this Policy at any time during the policy period by giving the Company notice in writing, in such case, The Company shall\n1. Refund the proportion premium for unexpired policy period, if the period/term of the policy is up to one year and there is no claim(s) made during the policy period.\n2. refund premium for the unexpired policy period, in respect of policies with the policy period/term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"8(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-8-a"}],"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 documents define Venue as the place(s) stated in the Schedule, but do not state a geographic area of cover.","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 covers the assured's ascertained net loss if an insured event is cancelled, abandoned, postponed, interrupted, curtailed or relocated for a non-excluded cause beyond the control of the assured and participant. It also has an optional legal liability section for compensation claims for third party bodily injury or property damage arising from accidents during the period of insurance in the course of and at the insured event.","display":"Ascertained Net Loss from cancellation, abandonment, postponement, interruption, curtailment or relocation of an insured event; optional legal liability for third party bodily injury or property damage at the insured event","note":"Legal Liability (Third Party Property Damage and Bodily Injury) is optional.","quote":"A.1This Section is to indemnify the Assured for their Ascertained Net Loss should any Insured Event(s) be necessarily Cancelled, Abandoned, Postponed, Interrupted, Curtailed or Relocated, which necessary Cancellation, Abandonment, Postponement, Interruption, Curtailment or Relocation is the sole and direct result of a cause not otherwise excluded which occurs during the period of insurance and is beyond the control of both the Assured and the Participant therein. ... B. SECTION II: Legal Liability (Third Party Property Damage and Bodily Injury) –Optional ... become legally liable to pay as compensation in respect of claims made against him for Third Party bodily injury or damage to Property arising out of accidents occurring during the Period of Insurance in the course of and at the Insured Event for which indemnity is provided by this insurance.","sources":[{"clause":null,"heading":"A. SECTION I: Cancellation and Abandonment","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-a-section-i-cancellation-and-abandonment"},{"clause":null,"heading":"B. SECTION II: Legal Liability (Third Party Property Damage and Bodily Injury) –Optional","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-section-ii-legal-liability-third-party-propert"},{"clause":"B.1","heading":"This Section is to indemnify the amount which Assured shall","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204#c-b-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Event Cancellation Policy Wordings (Retail)","pages":4,"fetched_at":"2026-10-16 04:30:59+00","source_url":"https://content.sbigeneral.in/uploads/EVENT_CANCELLATION_INSURANCE_POLICY_Wording_Retail_1756b5b199.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15204"},{"kind":"prospectus","label":"Event Cancellation Prospectus","pages":2,"fetched_at":"2026-10-16 04:29:18+00","source_url":"https://content.sbigeneral.in/uploads/Event_Cancellation_Insurance_Policy_Prospectus_710b67e5bb.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15156"},{"kind":"prospectus","label":"Event Cancellation Prospectus","pages":2,"fetched_at":"2026-10-17 20:06:08+00","source_url":"https://content.sbigeneral.in/uploads/Event_Cancellation_Insurance_Policy_Prospectus_80d339a64c.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15328"},{"kind":"cis","label":"Event Cancellation CIS","pages":5,"fetched_at":"2026-10-16 04:28:20+00","source_url":"https://content.sbigeneral.in/uploads/Event_Cancellation_Insurance_Policy_CIS_5eaead162d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15124"},{"kind":"cis","label":"Event Cancellation CIS","pages":5,"fetched_at":"2026-10-17 20:04:59+00","source_url":"https://content.sbigeneral.in/uploads/Event_Cancellation_Insurance_Policy_CIS_cada1d3bfa.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213/document/15307"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-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":"Event Cancellation (UIN IRDAN144RP0002V01201213), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/event-cancellation-irdan144rp0002v01201213"}