{"uin":"IRDAN158RP0005V01202021","name":"Digit Marine Cargo Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"general","category":"marine","category_name":"Marine and transit","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-06-01","withdrawn_on":null,"summary":"Digit Marine Cargo Policy covers physical loss or damage to insured cargo during transit by Sea, Air, Rail, Road, Post or Parcels, with scope determined by Institute Cargo Clauses and inland transit clauses. It offers Specific Voyage, Open Cover, Open Policy, Stock Throughput and Project Cargo variants, with deductible options from 0% to 20%.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:35:52.523486+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":"quote-verified","value":["Specific Voyage Policy","Open Cover","Open Policy (Multi-Transit/Sales Turnover Policy)","Stock Throughput Policy","Project Cargo Policy"],"display":"Specific Voyage Policy; Open Cover; Open Policy (Multi-Transit/Sales Turnover Policy); Stock Throughput Policy; Project Cargo Policy","note":null,"quote":"The Assured will have an option to select coverage against any of the following:\n• Specific Voyage Policy\n• Open Cover\n• Open Policy (Multi-Transit/Sales Turnover Policy)\n• Stock Throughput Policy\n• Project Cargo Policy","sources":[{"clause":null,"heading":"Who Can Buy this Product?","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-who-can-buy-this-product"}],"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":"Maximum 1 Year, except Specific Voyage Policy and Project Cargo Policy. Specific Voyage cover ends when the cargo arrives at the destination; Project Cargo can be for the entire Project Period.","display":"Maximum 1 Year, except Specific Voyage Policy and Project Cargo Policy; Specific Voyage ends when cargo arrives; Project Cargo can be the entire Project Period","note":null,"quote":"The coverage under this Policy can be opted for maximum 1 Year, except for Specific Voyage Policy and Project Cargo Policy.\nPolicy Period for a Project Cargo can be the entire Project Period. ... The Cover under this Policy comes to an end as soon as the Cargo arrives at the destination.","sources":[{"clause":null,"heading":"What is the maximum period of cover available under this Policy?","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-the-maximum-period-of-cover-available-un"},{"clause":null,"heading":"What is a Specific Voyage Policy?","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-a-specific-voyage-policy"}],"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":"Written notice of loss likely to involve the insurance must be given to the insurer as soon as practicable.","display":"As soon as practicable, written notice of loss to the insurer","note":null,"quote":"As soon as practicable, written notice of loss which is likely to involve this insurance shall be given by the Assured (Principal) to Insurer hereon, any delay which is beyond the control of Information of respective Insurance department of Assured (Principal) should not constructed as delayed intimation.","sources":[{"clause":null,"heading":"Notice Of Loss","page":94,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-notice-of-loss"}],"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 the shipping invoices, together with shipping specifications and/or Weightment Notes","Original Bill of Lading and/or other contract of carriage","Survey report and other documentary evidence to show the extent of the loss or damage","Landing Remarks and Weightment 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, Bill of Lading/contract of carriage, survey report, landing remarks/weightment notes, 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:-\n1. Original policy or certificate of insurance.\n2. Original or copy of the shipping invoices, together with shipping specifications and/or Weightment Notes.\n3. Original Bill of Lading and/or other contract of carriage.\n4. Survey report and other documentary evidence to show the extent of the loss or damage.\n5. Landing Remarks and Weightment Notes at final destination.\n6. Correspondence exchanged with the Carriers and other parties regarding their liability for the loss or damage.","sources":[{"clause":null,"heading":"Documentation of Claims","page":94,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-documentation-of-claims"}],"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 CIS says the TAT for settlement depends on the nature of claim and refers to specified timelines, but no definite claim decision or payment time is printed.","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 subjectmatter 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","unseaworthiness of vessel or craft or unfitness of vessel or craft for the safe carriage of the subject- matter insured","unfitness of container or conveyance for the safe carriage of the subject-matter insured","war civil war revolution rebellion insurrection, or civil strife arising therefrom","caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions","caused by any act of terrorism","Cyber Attack Exclusion","Sanction Limitation and Exclusion"],"display":"Wilful misconduct; ordinary leakage/wear and tear; insufficient packing; inherent vice; delay; insolvency/financial default; nuclear weapons/radioactive force; unseaworthiness/unfitness; war; strikes/riots; terrorism; cyber attack; sanctions","note":"Exact exclusions depend on the Institute clause and endorsements applicable 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 subjectmatter 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 (except expenses payable under Clause 2 above) ... 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 ... unfitness of container or conveyance 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 ... caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions ... caused by any act of terrorism being an act of any person acting on behalf of, or in connection with, any organisation ... Institute Cyber Attack Exclusion Clause ... Sanction Limitation and Exclusion Clause","sources":[{"clause":"4.1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-1"},{"clause":"4.2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-2"},{"clause":"4.3","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-3"},{"clause":"4.4","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-4"},{"clause":"4.5","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-5"},{"clause":"4.6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-6"},{"clause":"4.7","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-4-7"},{"clause":"5.1.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-5-1-1"},{"clause":"5.1.2","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-5-1-2"},{"clause":"6.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-6-1"},{"clause":"7.1","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-7-1"},{"clause":"7.3","heading":null,"page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-7-3"},{"clause":null,"heading":"Institute Cyber Attack Exclusion Clause","page":30,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-institute-cyber-attack-exclusion-clause"},{"clause":null,"heading":"Sanction Limitation and Exclusion Clause","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#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":"quote-verified","value":"First complain to Go Digit by 24X7 toll-free number 1800-258-5956 or by email to hello@godigit.com or grievance@godigit.com. If the response is not satisfactory, the policyholder or claimant may approach the Insurance Ombudsman.","display":"Call 1800-258-5956 or email hello@godigit.com / grievance@godigit.com first; then Insurance Ombudsman if not satisfied","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. ... Email: grievance@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":"Grievances","page":95,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-grievances"}],"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","general average sacrifice","jettison or washing overboard","entry of sea lake or river water into vessel craft hold conveyance container or place of storage","total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft","Fire or Explosion","Lightning","breakage of bridges","Earthquake and Volcanic eruption","collision with or by the carrying vehicle/ railway wagon","overturning of the carrying vehicle/ railway wagon","derailment or accidents of like nature to the carrying railway wagon/ vehicle"],"display":"All risks under ICC A/Air/Inland A; named perils under ICC B/C and Inland Clause B including fire, stranding/sinking/capsizing, overturning/derailment, collision/contact, discharge at distress, earthquake/volcanic eruption/lightning, general average sacrifice, jettison, water entry, and total loss of packages during loading/unloading","note":"Scope depends on the Institute Cargo Clause or inland transit clause selected in the policy schedule; war and strikes risks are covered only if the relevant clauses are included.","quote":"This insurance covers all risks of loss of or damage to the subject-matter insured except as excluded by the provisions of Clauses 4, 5, 6 and 7 below. ... 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 loss of or damage to the subject-matter insured caused by 1.2.1 general average sacrifice 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, 1.3 total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft. ... This insurance covers all risks of loss or damage to the subject matter insured except as excluded by the provisions of Clauses Nos.2,3,4 & 5 below ... a)\ni) Fire or Explosion\nii) Lightning\niii) breakage of bridges\niv) Earthquake and Volcanic eruption ... b)\ni) collision with or by the carrying vehicle/ railway wagon\nii) overturning of the carrying vehicle/ railway wagon\niii) derailment or accidents of like nature to the carrying railway wagon/ vehicle.","sources":[{"clause":"1","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-1"},{"clause":"2","heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-2"},{"clause":null,"heading":"RISKS COVERED","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-risks-covered"},{"clause":null,"heading":"RISKS COVERED","page":32,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-risks-covered-8"},{"clause":"19(a)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-19-a-3"},{"clause":"19(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-19-b-3"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"quote-verified","value":"Deductibles range from 0% to 20% of consignment value, 0% to 20% of limit per location each and every loss, or 0% to 20% of Maximum Value of Cargo at any one location at any one time for Stock Throughput policy.","display":"0% to 20% of consignment value or location/cargo value, as chosen","note":"Actual deductible is selected by the policyholder and shown in the policy schedule.","quote":"Deducible is the part of the claim that is to be first paid by you and we are liable to pay the remaining part of the claim. Policyholder can choose deductible, We will provide a discount in lieu of deductible. Deductibles will range between:\n• 0% to 20% of consignment value;\n• 0% to 20% of limit per location each and every loss;\n• 0% to 20% of Maximum Value of Cargo at any one location at any one time for Stock through put policy.","sources":[{"clause":null,"heading":"Brief Description of Coverage under a Marine Cargo Policy?","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-brief-description-of-coverage-under-a-marine-car"}],"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":"The wording says the Assured may cancel on 30 days notice, but it does not state what premium refund the Assured receives.","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 product is for movement of goods within or beyond the boundaries of the country.","display":"Within or beyond the boundaries of the country","note":"Exact origin and destination are determined by the policy schedule or certificate of insurance.","quote":"This product can be bought by any person or entity involved in the business of movement of goods within or beyond the boundaries of the country","sources":[{"clause":null,"heading":"Who Can Buy this Product?","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-who-can-buy-this-product"}],"law":[]},{"key":"transit_modes","label":"Transit modes","section":"Cover","meaning":"Sea, air, rail, road, courier.","status":"quote-verified","value":["Sea","Air","Rail","Road","Post or Parcels","courier"],"display":"Sea, Air, Rail, Road, Post or Parcels, and courier","note":null,"quote":"during transit by Sea, Air, Rail, Road, Post or Parcels ... or from the time the courier collects the subject matter insured and Courier Receipt (s) thereof duly issued","sources":[{"clause":null,"heading":"Brief Description of Coverage under a Marine Cargo Policy?","page":3,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-brief-description-of-coverage-under-a-marine-car"},{"clause":null,"heading":"Duration","page":33,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719#c-duration-7"}],"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":"The Institute Standard Conditions say the basis of valuation is as per the Policy Schedule, but no valuation formula is printed in the product wording.","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":"quote-verified","value":"The sum insured basis varies by policy type: an Open Cover has no estimated sum insured, an Open Policy is issued for a single sum insured based on estimated turnover or sum insured, Multi-Transit uses estimated turnovers for each movement, and Sales Turnover Policy uses annual expected sales turnover.","display":"Open Cover has no estimated sum insured; Open Policy uses estimated turnover or sum insured; Multi-Transit uses estimated turnovers; Sales Turnover uses annual expected sales turnover","note":"Specific Voyage and Project Cargo sums insured are not described by a formula in the extracted clauses; the actual amount is in the policy schedule.","quote":"The difference between an Open Cover and an Open Policy is that the Open Cover does not have an estimated Sum Insured, since it is only an agreement. ... It is an annual Cargo insurance Policy which is issued for single sum insured to cover a number of dispatches. Premium at the rate agreed is charged on the Estimated Turnover or Sum Insured. ... The Sum Insured for Multi-Transit Open Policy will be estimated turnovers for each of these movements as shown in the Policy Schedule ... The sum insured under this policy is the annual expected sales turnover","sources":[{"clause":null,"heading":"What is a Marine Open Cover Policy?","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-a-marine-open-cover-policy"},{"clause":null,"heading":"What is a Marine Open Policy?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-a-marine-open-policy"},{"clause":null,"heading":"What is a Multi-Transit Policy?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-a-multi-transit-policy"},{"clause":null,"heading":"What is a Sales Turnover Policy?","page":2,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602#c-what-is-a-sales-turnover-policy"}],"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":"No product clause states that a claim is reduced in proportion when the sum insured is less than the real value of the goods.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Marine Cargo Policy - IRDAN158RP0005V01202021","pages":96,"fetched_at":"2026-10-17 19:40:54+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/policy-wordings-digit-marine-cargo-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/719"},{"kind":"wording","label":"Digit Marine Cargo Policy (IRDAI copy)","pages":97,"fetched_at":"2026-10-20 01:35:00+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN158RP0005V01202021_GEN3959.pdf/a65d17ca-1949-5bfe-dfc4-f480c45f4a84?version=1.1&t=1668238881696&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/26769"},{"kind":"prospectus","label":"Prospectus - Digit Marine Cargo Policy - IRDAN158RP0005V01202021","pages":99,"fetched_at":"2026-10-17 19:38:42+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/prospectus-digit-marine-cargo-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/602"},{"kind":"cis","label":"CIS - Digit Marine Cargo Policy - IRDAN158RP0005V01202021","pages":5,"fetched_at":"2026-10-17 19:39:14+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/others/cis-digit-marine-cargo-policy.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021/document/617"}],"versions":[{"uin":"GEN3959","version":null,"approved_on":null},{"uin":"IRDAN158RP0005V01202021","version":null,"approved_on":null}],"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":"Digit Marine Cargo Policy (UIN IRDAN158RP0005V01202021), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-marine-cargo-policy-irdan158rp0005v01202021"}