{"uin":"IRDAN144RP0013V01201011","name":"Marine Cargo Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"marine","category_name":"Marine and transit","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Marine Cargo Insurance - Open Policy covers loss or damage to cargo in transit by sea, air, rail, road or courier, with coverage depending on the selected mode of transport and institute or inland transit clause. Claim documents are listed, but claim settlement time, deductible, cancellation refund, valuation basis, sum insured basis and a general under-insurance clause are not stated.","analysis":{"state":"machine","analysed_at":"2026-10-20 11:39:09.993259+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":"For the insured transit, cover attaches at commencement of transit, continues during the ordinary course of transit and terminates on delivery or another termination event under the applicable transit clause.","display":"For the insured transit: from commencement of transit during the ordinary course of transit until delivery or other termination under the transit clause","note":"The wording states transit duration, not a fixed annual policy renewal term.","quote":"This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either on delivery to the Consignees' or other final warehouse or place of storage at the destination named herein","sources":[{"clause":null,"heading":"DURATION 3.3 Transit Clause","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-duration-3-3-transit-clause"}],"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 prompt notice to the Underwriters when they become aware of a held covered event.","display":"Prompt notice to the Underwriters when aware of a held covered event","note":"No fixed number of days for notice to the insurer is stated.","quote":"NOTE: It is necessary for the Assured when they become aware of an event which is “held covered” under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.","sources":[{"clause":null,"heading":"LAW AND PRACTICE 19 English Law & Practice Clause","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-law-and-practice-19-english-law-practice-clause"}],"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":["Original policy or certificate of insurance.","Original or copy of shipping invoices, together with shipping specification and/or weight notes.","Original Bill of Lading and/or other contract of carriage.","Survey report or other documentary evidence to show the extent of the loss or damage.","Landing account and weight notes at final destination.","Correspondence exchanged with the Carriers and other parties regarding their liability for the loss or damage."],"display":"Original policy/certificate, invoices and weight notes, bill of lading or carriage contract, survey evidence, landing account and carrier correspondence","note":null,"quote":"To enable claims to be dealt with promptly, the Assured or their agents are advised to submit all available supporting documents without delay, including when applicable, ... Original policy or certificate of insurance. ... Original or copy of shipping invoices, together with shipping ... specification and/or weight notes. ... Original Bill of Lading and/or other contract of carriage. ... Survey report or other documentary evidence to show the extent ... of the loss or damage. ... Landing account and weight notes at final destination. ... Correspondence exchanged with the Carriers and other parties ... regarding their liability for the loss or damage.","sources":[{"clause":null,"heading":"DOCUMENTATION OF CLAIM","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-documentation-of-claim"},{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-1"},{"clause":"2","heading":"Original or copy of shipping invoices, together with shipping","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-2"},{"clause":"3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-3"},{"clause":"4","heading":"Survey report or other documentary evidence to show the extent","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-4"},{"clause":"5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-5"},{"clause":"6","heading":"Correspondence exchanged with the Carriers and other parties","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-6"}],"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":null,"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":["loss damage or expense attributable to wilful misconduct of the Assured","ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured","loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured","loss damage or expense caused by inherent vice or nature of the subject-matter insured","loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against","loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel","unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured","war civil war revolution rebellion insurrection, or civil strife","strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","any terrorist or any person acting from a political motive","any chemical, biological, bio-chemical, or electromagnetic weapon","sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations"],"display":"Wilful misconduct, ordinary leakage/wear and tear, unsuitable packing, inherent vice, delay, insolvency/default of vessel operators, unseaworthiness or unfitness, war, strikes/riots/terrorism, radioactive/chemical/biological weapons, and sanctions","note":null,"quote":"loss damage or expense attributable to wilful misconduct of the Assured ... ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured ... loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured ... loss damage or expense caused by inherent vice or nature of the subject-matter insured ... loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against ... loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel ... unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured ... war civil war revolution rebellion insurrection, or civil strife ... strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions ... any terrorist or any person acting from a political motive. ... any chemical, biological, bio-chemical, or electromagnetic weapon. ... sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations","sources":[{"clause":null,"heading":"EXCLUSIONS 4 General Exclusions Clause","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-exclusions-4-general-exclusions-clause"},{"clause":null,"heading":"6 War Exclusion Clause","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-6-war-exclusion-clause"},{"clause":null,"heading":"7 Strikes Exclusion Clause","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-7-strikes-exclusion-clause"},{"clause":null,"heading":"BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE","page":35,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-bio-chemical-and-electromagnetic-weapons-exclusi"},{"clause":null,"heading":"SANCTION LIMITATION AND EXCLUSION CLAUSE","page":35,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-sanction-limitation-and-exclusion-clause"}],"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":"conflicting","value":"One wording says to register directly with the insurer at head.customercare@sbigeneral.in or gro@sbigeneral.in or by calling 1800 102 1111, with final response within 14 days, before Ombudsman escalation.","display":"Conflicting wordings: direct to insurer first in one wording; Bima Bharosa first in another","note":"Another wording says: \"Stage 1: Bima Bharosa\" and \"Stage 2: Head – Customer Care\".","quote":"Stage 1:\nIf you wish to register your grievances directly with us, you may write to us at head.customercare@sbigeneral.in or gro@sbigeneral.in or call our toll free number- 1800 102 1111. After examining the matter, final response would be conveyed within a period of 14 days from the date of receipt of your complaint. ... Stage 1: Bima Bharosa ... You can register your grievances with the regulator using the following link: https://bimabharosa.irdai.gov.in/Home/Home Stage 2: Head – Customer Care","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL MECHANISM","page":36,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15310#c-grievance-redressal-mechanism"},{"clause":null,"heading":"Stage 1: Bima Bharosa","page":36,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-stage-1-bima-bharosa"}],"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":["all risks of loss of or damage to the subjectmatter Assured","general average and salvage charges","fire or explosion","vessel or craft being stranded grounded sunk or capsized","overturning or derailment of land conveyance","collision or contact of vessel craft or conveyance with any external object other than water","discharge of cargo at a port of distress","earthquake volcanic eruption or lightning","jettison or washing overboard","entry of sea lake or river water into vessel craft hold conveyance container or place of storage","theft or pilferage, or by non-delivery of an entire package","strikers, locked-out workmen or persons taking part in labour disturbances, riots or civil commotions"],"display":"All-risks or named-peril transit cover depending on the selected mode and clause","note":"Coverage depends on the mode of transport and requirements of customers.","quote":"Type of Coverage under Marine Cargo Insurance is determined by the mode of transport and requirements of customers as given below: ... This insurance covers all risks of loss of or damage to the subjectmatter Assured ... This insurance covers general average and salvage charges ... 1.1.1 fire or explosion 1.1.2 vessel or craft being stranded grounded sunk or capsized 1.1.3 overturning or derailment of land conveyance 1.1.4 collision or contact of vessel craft or conveyance with any external object other than water 1.1.5 discharge of cargo at a port of distress 1.1.6 earthquake volcanic eruption or lightning ... 1.2.2 jettison or washing overboard 1.2.3 entry of sea lake or river water into vessel craft hold conveyance container or place of storage ... theft or pilferage, or by non-delivery of an entire package ... strikers, locked-out workmen or persons taking part in labour disturbances, riots or civil commotions","sources":[{"clause":null,"heading":"What is the scope of Cover under this Policy?","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15100#c-what-is-the-scope-of-cover-under-this-policy"},{"clause":null,"heading":"INSTITUTE CARGO CLAUSES (A)-1.1.82 RISK COVERED 1 Risks Clause","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-institute-cargo-clauses-a-1-1-82-risk-covered-1"},{"clause":null,"heading":"2 General Average Clause","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-2-general-average-clause"},{"clause":null,"heading":"01/01/2009 INSTITUTE CARGO CLAUSES (B) RISKS COVERED Risks","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-01-01-2009-institute-cargo-clauses-b-risks-cover"},{"clause":null,"heading":"INSTITUTE THEFT, PILFERAGE AND NON-DELIVERY CLAUSE","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-institute-theft-pilferage-and-non-delivery-claus"},{"clause":null,"heading":"INSTITUTE STRIKES CLAUSES (CARGO) RISKS COVERED","page":23,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129#c-institute-strikes-clauses-cargo-risks-covered"}],"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":null,"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":null,"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":"The policy covers cargo whilst in transit between any two points by Sea, Air, Rail, Road or Courier.","display":"Between any two points by Sea / Air / Rail / Road / Courier","note":null,"quote":"The policy provides wide coverage for loss or damage caused to the cargo whilst in transit between any two points either by Sea / Air / Rail / Road / Courier.","sources":[{"clause":null,"heading":"What are the key features of SBI General's Marine Cargo Insurance Policy?","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15100#c-what-are-the-key-features-of-sbi-general-s-marin"}],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"quote-verified","value":["Sea","Air","Rail","Road","Courier"],"display":"Sea / Air / Rail / Road / Courier","note":null,"quote":"The policy provides wide coverage for loss or damage caused to the cargo whilst in transit between any two points either by Sea / Air / Rail / Road / Courier.","sources":[{"clause":null,"heading":"What are the key features of SBI General's Marine Cargo Insurance Policy?","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15100#c-what-are-the-key-features-of-sbi-general-s-marin"}],"law":[]},{"key":"basis_of_valuation","label":"Basis of valuation","section":"Cover","meaning":"How goods are valued for a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"under_insurance","label":"Under-insurance (average) clause","section":"Limits and co-pay","meaning":"If the sum insured is less than the real value, claims are cut in proportion.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Marine Cargo Insurance - Open Policy Policy Wording","pages":36,"fetched_at":"2026-10-16 04:28:23+00","source_url":"https://content.sbigeneral.in/uploads/Marine_Cargo_Insurance_Open_Policy_Wording_Retail_37a500e7f7.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15129"},{"kind":"wording","label":"Marine Cargo Insurance - Open Policy Policy Wording","pages":36,"fetched_at":"2026-10-17 20:05:02+00","source_url":"https://content.sbigeneral.in/uploads/Marine_Cargo_Insurance_Open_Policy_Wording_retail_bd603f36cc.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15310"},{"kind":"prospectus","label":"Marine Cargo Insurance - Open Policy Propsectus","pages":2,"fetched_at":"2026-10-16 04:27:33+00","source_url":"https://content.sbigeneral.in/uploads/Marine_Cargo_Insurance_Open_Policy_Prospectus_b926f33203.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15100"},{"kind":"prospectus","label":"Marine Cargo Insurance - Open Policy Propsectus","pages":2,"fetched_at":"2026-10-17 20:04:13+00","source_url":"https://content.sbigeneral.in/uploads/Marine_Cargo_Insurance_Open_Policy_Propsectus_Retail_104e263f78.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/15296"},{"kind":"brochure","label":"Marine Cargo Insurance Brochure","pages":2,"fetched_at":"2026-10-17 19:59:30+00","source_url":"https://content.sbigeneral.in/uploads/8d51114ce496447fa724399a2b576ba2.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011/document/14964"}],"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":"Marine Cargo Insurance (UIN IRDAN144RP0013V01201011), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/marine-cargo-insurance-irdan144rp0013v01201011"}