{"uin":"IRDAN158CP0002V01202122","name":"CGL (Occurrence Basis)","url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-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":"Digit Comprehensive General Liability Policy (Commercial) – Occurrence Basis covers legal liability for bodily injury or property damage, personal and advertising injury, and medical payments, subject to the policy terms. The maximum period of cover available is 1 Year and the base coverage territory is anywhere in the world including international waters or airspace, excluding the United States of America, Puerto Rico and Canada.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:22:20.64714+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are stated; the documents describe coverages and endorsement wordings.","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 coverage can be opted for a maximum of 1 Year.","display":"Maximum 1 Year","note":"From the prospectus.","quote":"The coverage under this Policy can be opted for maximum 1 Year.","sources":[{"clause":null,"heading":"What is the maximum period of cover available under this Policy?","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/658#c-what-is-the-maximum-period-of-cover-available-un"}],"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 notify the insurer in writing immediately of any occurrence which may result in a claim. If a claim is made or a suit is brought, the insured must immediately give notice of the specifics of the claim or suit.","display":"Immediately, in writing, for any occurrence, claim or suit","note":null,"quote":"You must notify Us in writing immediately of any Occurrence which may result in a Claim. ... If a Claim is made or a Suit is brought against You, You must immediately give Us notice of the specifics of the Claim or Suit.","sources":[{"clause":null,"heading":"2. Alteration of Risk","page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-2-alteration-of-risk"},{"clause":"32(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-c-16"}],"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":["how, when and where the Occurrence took place","the names and addresses of any injured persons and witnesses","the nature and location of any injury or damage arising out of the Occurrence","a copy of any demand, letter, writ, Claim, notice of arbitration, process, notice, summons or legal paper received in connection with the Claim or Suit","records and other information"],"display":"Occurrence details, injured persons and witnesses, injury or damage details, legal papers, and records/other information","note":null,"quote":"how, when and where the Occurrence took place; ... the names and addresses of any injured persons and witnesses; ... the nature and location of any injury or damage arising out of the Occurrence. ... immediately send Us a copy of any demand, letter, writ, Claim, notice of arbitration, process, notice, summons or legal paper received in connection with the Claim or Suit; ... authorize Us to obtain records and other information,","sources":[{"clause":"32(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-30"},{"clause":"32(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-b-29"},{"clause":"32(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-c-16"},{"clause":"32(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-31"},{"clause":"32(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-32"}],"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 documents state claim notification and cooperation duties, but do not state a time for deciding or paying a claim.","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":["Expected or Intended Injury","Contractual Liability","Liquor Liability","Workers' Compensation and Similar Laws","Employer's Liability","Pollution","Aircraft, Auto or Watercraft","War","Damage To Property","Employment-Related Practices","Asbestos","Nuclear","Fines and Penalties","Absolute Professional Liability Exclusion","Absolute Communicable Disease Exclusion"],"display":"Expected or Intended Injury; Contractual Liability; Liquor Liability; Workers' Compensation and Similar Laws; Employer's Liability; Pollution; Aircraft, Auto or Watercraft; War; Damage To Property; Employment-Related Practices; Asbestos; Nuclear; Fines and Penalties; Absolute Professional Liability Exclusion; Absolute Communicable Disease Exclusion","note":null,"quote":"This insurance does not apply to: ... Expected or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the Insured. ... Contractual Liability Bodily injury or property damage, which the Insured is liable to pay as damages by reason of the assumption of liability in a contract or agreement. ... Liquor Liability Bodily injury or property damage for which any Insured may be held liable by reason of: ... Workers' Compensation and Similar Laws Any liability of the Insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. ... Employer's Liability:\nBodily injury to: ... Pollution (1) Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: ... Aircraft, Auto or Watercraft Bodily injury or property damage arising out of the ownership, maintenance, use or entrustment to others of any aircraft, auto or watercraft owned or operated by or rented or loaned to any Insured. ... War Bodily injury or property damage due to war, whether or not declared, or any act or condition incident to war. ... Damage To Property Property damage to: ... Employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation or discrimination directed at that person; ... Asbestos Property damage or bodily injury, arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos products, asbestos fibres or asbestos dust, ... Nuclear This policy does not cover liability for claims arising out of, directly or indirectly caused by or contributed to by: ... Fines and Penalties Fines or financial penalties, punitive, exemplary, liquidated, aggravated or multiple damages whether imposed through a court of law, legislation or under a contractual arrangement or otherwise. ... Absolute Professional Liability Exclusion ... This insurance does not apply to any liability arising out of any act, error, omission, malpractice or mistake of a professional nature committed by the Insured or any person for whom the Insured is legally responsible. ... Absolute Communicable Disease Exclusion ... this Policy excludes all actual or alleged loss, liability, damage, compensation, injury, sickness, disease, death, medical payment, defence cost, cost, expense or any other amount incurred by or accruing to the reinsured, directly or indirectly","sources":[{"clause":null,"heading":"2. Exclusions","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-2-exclusions"},{"clause":"32(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-4"},{"clause":"32(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-b-4"},{"clause":"32(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-c-2"},{"clause":"32(d)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-d"},{"clause":"32(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-e"},{"clause":"32(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-b-6"},{"clause":"32(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-b-8"},{"clause":"32(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-b-i"},{"clause":"32(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-c-4"},{"clause":null,"heading":"12. Absolute Professional Liability Exclusion","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-12-absolute-professional-liability-exclusion"},{"clause":null,"heading":"18. Absolute Communicable Disease Exclusion","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-18-absolute-communicable-disease-exclusion"}],"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 lodge a complaint with Go Digit by calling its 24X7 toll free number 1800- 258-5956 or emailing hello@godigit.com. Senior citizens can contact 1800-258-5956 or write to seniors@godigit.com; if the response is not satisfactory, the insured may approach the Insurance Ombudsman.","display":"Call 1800- 258-5956 or email hello@godigit.com; senior citizens: seniors@godigit.com","note":null,"quote":"if You are not satisfied with Our services and wish to lodge a complaint, please feel free to call Our 24X7 Toll free number 1800- 258-5956 or You may email to the customer service desk at hello@godigit.com. ... Senior Citizens can now contact Us on 1800-258-5956 or write to Us at seniors@godigit.com. ... If You do not get a satisfactory response from Us and You wish to pursue other avenues for redressal of grievances, You may approach Insurance Ombudsman appointed by IRDAI under the Insurance Ombudsman Scheme.","sources":[{"clause":null,"heading":"18. Governing Law & Jurisdiction","page":19,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-18-governing-law-jurisdiction"}],"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":["damages because of bodily injury or property damage","damages because of personal and advertising injury","medical expenses as described below for bodily injury caused by an accident"],"display":"Bodily injury or property damage liability; personal and advertising injury liability; medical payments for bodily injury caused by an accident","note":null,"quote":"We will pay those sums that the Insured becomes legally liable to pay as damages because of bodily injury or property damage to which this insurance applies. ... We will pay those sums that the Insured becomes legally liable to pay as damages because of personal and advertising injury to which this insurance applies. ... We will pay medical expenses as described below for bodily injury caused by an accident:","sources":[{"clause":"32(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-3"},{"clause":"32(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-11"},{"clause":"32(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-13"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"The deductible amount is stated in the Policy Schedule. The prospectus says deductibles range between 0% to 5% and are applied on the Any One Occurrence Limit in multiples of 0.05%; if more than one deductible is payable for one claim or series of claims from one occurrence, only the highest deductible is payable.","display":"As per Policy Schedule; deductible range 0% to 5% of Any One Occurrence Limit","note":"The actual deductible for a policy is selected/stated in the Policy Schedule; the prospectus gives the product range.","quote":"Deductible means The amount stated in the Policy Schedule payable by You in a manner and at such time as required by Us. If more than one Deductible is payable under this Policy for any one Claim or series of Claims arising from one Occurrence, the highest Deductible is the only Deductible payable by You. ... Deductibles will range between 0% to 5% and will be applied on “Any One Occurrence” Limit, in multiples of 0.05%.","sources":[{"clause":"6","heading":"Deductible","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-6"},{"clause":"18(b)","heading":"Deductible","page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/658#c-18-b"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel with Fifteen (15) days’ notice. If there is no claim, refund is on the short-period scale: 90% up to 1 week, 75% up to 1 month, 65% up to 2 months, 50% up to 3 months, 40% up to 4 months, 25% up to 6 months, 15% up to 8 months, and 0% after 8 months.","display":"15 days’ notice; refund if no claim: 90% up to 1 week to 0% exceeding 8 months","note":"No refund is due if the insured has made a claim under the policy.","quote":"Policy may be cancelled at the option of the insured with Fifteen (15) days’ notice of cancellation and We will be entitled to retain premium on short period scale of rates for the period for which the cover has been in existence prior to the cancellation of the Policy. The balance premium, if any, will be refundable to the insured. In case of cancellation of Policy by the insured, premium would be refunded as per below table subject to there being no Claim under the Policy:\nPeriod on Risk | % of Premium to be Refunded\nNot Exceeding 1 Week | 90% of the Annual Premium\nNot Exceeding 1 Month | 75% of the Annual Premium\nNot Exceeding 2 Months | 65% of the Annual Premium\nNot Exceeding 3 Months | 50% of the Annual Premium\nNot Exceeding 4 Months | 40% of the Annual Premium\nNot Exceeding 6 Months | 25% of the Annual Premium\nNot Exceeding 8 Months | 15% of the Annual Premium\nExceeding 8 Months | 0% of the Annual Premium","sources":[{"clause":null,"heading":"6. Cancellation Cancellation by Insured","page":17,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-6-cancellation-cancellation-by-insured"}],"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 base coverage territory is anywhere in the world, including international waters or airspace, but excluding the United States of America, its territories and possessions, Puerto Rico and Canada.","display":"Anywhere in the world, including International waters or airspace, excluding USA, Puerto Rico and Canada","note":"The Coverage Territory Endorsement, if applied, replaces the base definition with schedule-based territory for General Aggregate and Product and Completed Operations.","quote":"Coverage territory means anywhere in the world, including International waters or airspace, but excluding the United States of America, (including its territories and possessions), Puerto Rico and Canada. ... Coverage territory means:\nFor General Aggregate –As per mentioned in policy schedule for travel of executives\nFor Product and Completed Operations – As per mentioned in Policy Schedule","sources":[{"clause":"5","heading":"Coverage territory","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-5"},{"clause":"Row 1(b)","heading":"Coverage territory","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-row-1-b-11"}],"law":[]},{"key":"subject_covered","label":"What is insured","section":"Cover","meaning":"The thing or risk this policy covers.","status":"quote-verified","value":"The policy insures the insured's legal liability to pay damages because of bodily injury or property damage, and because of personal and advertising injury, to which the insurance applies. It also covers medical expenses for bodily injury caused by an accident under Coverage 3.","display":"Legal liability for bodily injury, property damage, personal and advertising injury, plus medical payments","note":null,"quote":"We will pay those sums that the Insured becomes legally liable to pay as damages because of bodily injury or property damage to which this insurance applies. ... We will pay those sums that the Insured becomes legally liable to pay as damages because of personal and advertising injury to which this insurance applies. ... We will pay medical expenses as described below for bodily injury caused by an accident:","sources":[{"clause":"32(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-3"},{"clause":"32(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-11"},{"clause":"32(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626#c-32-a-13"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - CGL (Occurrence Basis) - IRDAN158CP0002V01202122","pages":34,"fetched_at":"2026-10-17 19:39:18+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Policy%20Wordings%20-%20CGL%20(Occurrence%20Basis).pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/626"},{"kind":"prospectus","label":"Prospectus - CGL (Occurrence Basis) - IRDAN158CP0002V01202122","pages":12,"fetched_at":"2026-10-17 19:39:58+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/Prospectus%20-%20CGL%20(Occurrence%20Basis)%20.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122/document/658"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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":"Motor claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"CGL (Occurrence Basis) (UIN IRDAN158CP0002V01202122), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/cgl-occurrence-basis-irdan158cp0002v01202122"}