{"uin":"IRDAN149RP0023V01201213","name":"Specific Voyage - Retail","url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213","insurer":{"slug":"magma-general-insurance","name":"Magma General Insurance Limited","url":"https://indiainsurances.com/insurer/magma-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 Specific Voyage Policy covers physical loss or damage to insured goods during transit by sea, post or parcels, rail, road or air. The applicable schedule clauses determine the cover, with all-risks and named-perils transit clauses and separate war or strikes clauses.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:32:56.30448+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list coverage clauses and Institute/Inland Transit clauses, but do not name plans inside the product.","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":"The policy runs for the insured transit. Cover attaches when the subject-matter insured is first moved for loading and ends at unloading/final storage or earlier/later expiry limits such as 60 days after sea discharge, 30 days after aircraft unloading, or 7 days after inland arrival/unloading, depending on the applicable clause.","display":"Transit duration; generally from first movement for loading until unloading/final storage, with 60 days for sea, 30 days for air, or 7 days for inland expiry limits depending on clause","note":"Exact duration depends on the coverage clause specified in the Policy Schedule.","quote":"Clauses specified in the Policy Schedule are applicable in Your Policy/Certificate of Insurance. ... this insurance attaches from the time the subject-matter insured is first moved in the warehouse or at the place of storage ... on the expiry of 60 days after completion of discharge overside of the subject-matter insured from the oversea vessel at the final port of discharge, whichever shall first occur. ... on the expiry of 30 days after completion of unloading of the subject-matter insured from the aircraft at the final place of discharge, whichever shall first occur. ... until expiry of 7 days after arrival of the railway wagon at the final destination railway station","sources":[{"clause":null,"heading":"COVERAGE AND CLAUSES","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-coverage-and-clauses"},{"clause":"8.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-8-1"},{"clause":"8.1.4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-8-1-4"},{"clause":null,"heading":"Transit Clause","page":28,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-transit-clause-5"},{"clause":null,"heading":"DURATION","page":43,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-duration-10"}],"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":"Loss or damage that may involve a claim should be notified to insurers in reasonable time from the date of delivery of consignment. For survey, immediate notice of loss or damage should be given to the Company's representative at port of discharge or destination, or the nearest Lloyd's Agent if there is no Company representative.","display":"Reasonable time from date of delivery of consignment; immediate notice for survey","note":null,"quote":"notification should be given to insurers in reasonable time from date of delivery of consignment. ... In the event of loss or damage which may involve a claim under this insurance, immediate notice of such loss or damage should be given to and a Survey Report obtained from the Company's representative at port of discharge or destination or if there be no representative of the Company, the nearest Lloyd's Agent.","sources":[{"clause":null,"heading":"CLAIM NOTIFICATION PROCEDURE","page":66,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-claim-notification-procedure"},{"clause":null,"heading":"INSTRUCTIONS FOR SURVEY","page":64,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-instructions-for-survey"}],"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 Invoice","Original Goods Receipt","Bill of Lading/AWB/LR/RR/CN as applicable","Notice on Carrier","Acknowledgement receipt by carrier","Reply of transporter","Damage Certificate","Letter of Subrogation","Claim Bill","Claim form","Police First Information Report in case of hijack/Theft or Non-Delivery claims","Police final Report is required for hijack/Theft or Non-Delivery claims.","Any other document relevant to particular claim as required by the Surveyor"],"display":"Original Invoice; Original Goods Receipt; Bill of Lading/AWB/LR/RR/CN as applicable; Notice on Carrier; Acknowledgement receipt by carrier; Reply of transporter; Damage Certificate; Letter of Subrogation; Claim Bill; Claim form; police reports for hijack/theft/non-delivery; other relevant documents","note":null,"quote":"Documentation for Claim Settlement: 1) Original Invoice ... 2) Original Goods Receipt ... 3) Bill of Lading/AWB/LR/RR/CN as applicable ... 4) Notice on Carrier ... 5) Acknowledgement receipt by carrier ... 6) Reply of transporter ... 7) Damage Certificate ... 8) Letter of Subrogation ... 9) Claim Bill ... 10) Claim form ... 11) Police First Information Report in case of hijack/Theft or Non-Delivery claims ... 12) Police final Report is required for hijack/Theft or Non-Delivery claims. ... 13) Any other document relevant to particular claim as required by the Surveyor","sources":[{"clause":null,"heading":"CLAIM NOTIFICATION PROCEDURE","page":66,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-claim-notification-procedure"}],"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 wording asks for supporting documents to be submitted without delay but does not state a claim decision or payment timeline.","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 caused by delay, even though the delay be caused by a risk insured against","loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel","loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.","unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured","war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power","capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat","caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","caused by any act of terrorism","loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer","No (re)insurer shall be deemed to provide cover","loss or destruction or damage caused by pollution or contamination"],"display":"Wilful misconduct; ordinary leakage/loss in weight or volume/wear and tear; insufficient packing; inherent vice; delay; carrier insolvency/financial default; nuclear/atomic weapons; unseaworthiness or unfitness; war and seizure; strikes/riots/terrorism/political motive; cyber attack; sanctions; pollution or contamination","note":"War and strikes/terrorism are excluded under the standard cargo clauses but may be covered where separate War or Strikes clauses are specified in the Policy Schedule.","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 caused by delay, even though the delay be caused by a risk insured against ... loss damage or expense caused by insolvency or financial default of the owners managers charterers or operators of the vessel ... loss damage or expense directly or indirectly caused by or arising from the use of any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter. ... unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject-matter insured ... war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power ... capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat ... caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions ... caused by any act of terrorism ... loss, damage, liability or expense directly or indirectly caused by or contributed to by or arising from the use or operation, as a means for inflicting harm, of any computer ... No (re)insurer shall be deemed to provide cover ... loss or destruction or damage caused by pollution or contamination","sources":[{"clause":"4.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-1"},{"clause":"4.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-2"},{"clause":"4.3","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-3"},{"clause":"4.4","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-4"},{"clause":"4.5","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-5"},{"clause":"4.6","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-6"},{"clause":"4.7","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-4-7"},{"clause":"5.1.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-5-1-1"},{"clause":"6.1","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-6-1"},{"clause":"6.2","heading":null,"page":3,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-6-2"},{"clause":"7.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-7-1"},{"clause":"7.3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-7-3"},{"clause":null,"heading":"INSTITUTE CYBER ATTACK EXCLUSION CLAUSE CL380 10/11/03","page":57,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-institute-cyber-attack-exclusion-clause-cl380-10"},{"clause":null,"heading":"SANCTION LIMITATION AND EXCLUSION CLAUSE LMA 3100","page":57,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-sanction-limitation-and-exclusion-clause-lma-310"},{"clause":null,"heading":"POLLUTION & CONTAMINATION EXCLUSION CLAUSES","page":56,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-pollution-contamination-exclusion-clauses"}],"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 Company through its website, toll-free number, email, courier to a branch or corporate office, or the Branch Grievance Redressal Officer. If not satisfied, contact the Grievance Redressal Officer at gro@magmainsurance.com before using Bima Bharosa or approaching the Insurance Ombudsman.","display":"Contact the Company first by website, toll-free, email, courier/branch office or Branch GRO; then Grievance Redressal Officer at gro@magmainsurance.com","note":null,"quote":"In case of any grievance, the Insured Person may contact the Company through any of the following channels:\nWebsite: www.magmainsurance.com Toll free: 1800 266 3202 Email: customercare@magmainsurance.com Courier: Any of Our branch offices or corporate office during business hours The customer may also reach out to the Branch Grievance Redressal Officer (GRO)\nIf Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at:\nGrievance Redressal Officer at the address:","sources":[{"clause":null,"heading":"Grievance Redressal Procedure","page":68,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-grievance-redressal-procedure"}],"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 subject-matter insured","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","war civil war revolution rebellion insurrection, or civil strife arising therefrom","strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","any act of terrorism"],"display":"All-risks loss or damage where Clause A/Air/All Risks applies; named perils such as fire, explosion, stranding, capsizing, overturning, derailment, collision, discharge at port of distress, earthquake/volcanic eruption/lightning, jettison/washing overboard, water entry, general average and salvage; war and strikes/terrorism where those clauses apply","note":"Only clauses specified in the Policy Schedule apply to a particular policy or certificate.","quote":"Clauses specified in the Policy Schedule are applicable in Your Policy/Certificate of Insurance. ... This insurance covers all risks of loss of or damage to the subject-matter insured ... This insurance covers 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 ... war civil war revolution rebellion insurrection, or civil strife arising therefrom ... strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions ... any act of terrorism","sources":[{"clause":null,"heading":"COVERAGE AND CLAUSES","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-coverage-and-clauses"},{"clause":"1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-1"},{"clause":"2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-2"},{"clause":null,"heading":"Risks","page":7,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-risks-2"},{"clause":null,"heading":"Risks","page":17,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-risks-4"},{"clause":null,"heading":"Risks","page":22,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580#c-risks-5"}],"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":"No deductible or excess amount for each claim is stated in the provided wording or prospectus.","quote":null,"sources":[],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"If you cancel, the prospectus says the insurer refunds the proportionate premium for the unexpired policy period if the policy term is up to one year and no claim has been made. If the term is more than one year, it refunds the premium for the unexpired policy period where risk coverage for those policy years has not commenced.","display":"Proportionate premium for unexpired period if term is up to one year and no claim; premium for unexpired policy period if term is more than one year and risk coverage has not commenced","note":"From the prospectus. The policy wording separately states cancellation may be by either party on 30 days' notice, with shorter notice for war and strikes risks.","quote":"This policy may be terminated by You at any time by giving Us notice in writing. If You cancel the policy, we will: ... Refund the proportionate premium for unexpired policy period, if the term of the policy is up to one year and there is no claim(s) made during the policy period. ... Refund the premium for the unexpired policy period, if the term of the policy is more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"13","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12498#c-13"},{"clause":"13(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12498#c-13-a"},{"clause":"13(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12498#c-13-b"}],"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 product covers overseas transits and inland rail/road transits from any place in India to any place in India, depending on the transit and clauses attached.","display":"Overseas transits, and India-to-India inland rail/road transits","note":"The specific origin, destination and route are determined by the insured transit and attached clauses.","quote":"All Overseas Transits are subject to Institute Cargo Clauses A,B &C given by Institute of London Underwriters. ... Goods (merchandise) dispatched by rail or road from any place in India to any place in India (not in conjunction with an overseas voyage) are subject to Inland Transit (Rail/Road) Clause A & B .","sources":[{"clause":null,"heading":"What does this Policy cover?","page":2,"url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12498#c-what-does-this-policy-cover"}],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Policy Wording - Marine Cargo Specific Voyage Policy (Retail)","pages":72,"fetched_at":"2026-10-17 19:55:44+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571162/Policy+Wording+-+Marine+Cargo+Specific+Voyage+Policy.pdf/eb708a63-7ece-c498-21fa-6dd9f2ac2d1c?t=1789043205163","url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12580"},{"kind":"prospectus","label":"Prospectus - Marine Cargo Specific Voyage Policy (Retail)","pages":5,"fetched_at":"2026-10-17 19:52:56+00","source_url":"https://www.magmainsurance.com/documents/5553002/5571162/Prospectus+-+Marine+Cargo+Specific+Voyage+Policy.pdf/575ec243-6288-6b27-b280-d6f58e95d6dc?t=1789043206326","url":"https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213/document/12498"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Magma General Insurance official website","url":"https://www.magmainsurance.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.magmainsurance.com/web/magmainsurance/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","url":"https://www.magmainsurance.com/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":"Renewal","url":"https://www.magmainsurance.com/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":"Specific Voyage - Retail (UIN IRDAN149RP0023V01201213), IndiaInsurances, https://indiainsurances.com/policy/magma-general-insurance/specific-voyage-retail-irdan149rp0023v01201213"}