{"uin":"IRDAN159RP0002V01202021","name":"Erection All Risks Insurance Policy","url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021","insurer":{"slug":"zuno-general-insurance","name":"Zuno General Insurance Ltd","url":"https://indiainsurances.com/insurer/zuno-general-insurance"},"line":"general","category":"engineering","category_name":"Engineering","irdai_type":"Main product","kind":"product","status":"active","approved_on":"2020-06-01","withdrawn_on":null,"summary":"Erection All Risks Insurance Policy indemnifies sudden and unforeseen physical loss or damage to scheduled erection property and includes third party liability for specified accidental property damage or injury. The period starts after unloading at the site and runs until testing as described, with sum insured based on the completely erected value inclusive of freight, customs duty and erection cost.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:35:51.774661+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Cover starts after unloading the scheduled property at the scheduled site and continues until immediately after the first test operation or test loading is concluded, but not beyond four weeks from trial running/readiness for work. At the latest, it expires on the date specified in the Schedule, with extension possible for additional premium.","display":"From unloading at the site until first test operation/test loading, capped at four weeks after trial running/readiness; latest expiry is the Schedule date.","note":"The Schedule-specific expiry date is not included in the wording.","quote":"only from the time after the unloading of the property specified in the Schedule from any conveyance at the site specified in the schedule ... shall continue until immediately after the first test operation or test loading is concluded (whichever is earlier) but in no case beyond four weeks ... At the latest, the insurance shall expire on the date specified in the Schedule","sources":[{"clause":null,"heading":"ERECTION ALL RISKS INSURANCE POLICY - RETAIL","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-erection-all-risks-insurance-policy-retail"}],"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 immediately notify the Company by telephone and in writing, giving the nature and extent of loss or damage. The Company is not liable if notice is not received within 14 days of detection.","display":"Immediately by telephone and in writing; no liability if notice is not received within 14 days of detection.","note":null,"quote":"a) immediately notify the Company by telephone as well as in writing giving an indication as to the nature and extent of loss or damage. ... The Company shall not in any case be liable for loss, damage or liability of which no notice has been received by the company within 14 days of its detection.","sources":[{"clause":"5(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-5-a"},{"clause":"5(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-5-e"}],"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":"not-stated","value":null,"display":null,"note":"The policy only says the insured must furnish information and documentary evidence as the company may require; it does not list specific claim documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["War, invasion, act of foreign enemy, hostilities or war like operations","Nuclear reaction, nuclear radiation or radioactive contamination","Wilful act or wilful negligence of the Insured or of his responsible representative","Cessation of work whether total or partial","Terrorism Damage Exclusion Warranty","the first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule","loss discovered only at the time of taking an inventory","normal wear and tear, gradual deterioration due to atmospheric conditions or otherwise","loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection","the cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage","loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques","any damage or penalties on account of the Insured's non- fulfillment of the terms of delivery or completion","bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s)","any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft"],"display":"Main exclusions include war, nuclear risks, wilful act/negligence, cessation of work, terrorism, excess, inventory-only losses, wear and tear, faulty design/material/workmanship, rectification of erection errors, documents/currency/securities, contractual penalties or consequential loss, employee injury, and road vehicle/waterborne vessel/aircraft accidents.","note":null,"quote":"a) War, invasion, act of foreign enemy, hostilities or war like operations ... b) Nuclear reaction, nuclear radiation or radioactive contamination. ... c) Wilful act or wilful negligence of the Insured or of his responsible representative ... d) Cessation of work whether total or partial. ... e) Terrorism Damage Exclusion Warranty: ... a) the first amount of the loss arising out of each and every occurrence shown as Excess in the Schedule; ... b) loss discovered only at the time of taking an inventory; ... c) normal wear and tear, gradual deterioration due to atmospheric conditions or otherwise, rust, scratching of painted or polished surfaces or breakage of glass; ... d) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection. ... e) the cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage; ... f) loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidence of debt, notes, securities cheques, packing materials such as cases, boxes, crates; ... g) any damage or penalties on account of the Insured's non- fulfillment of the terms of delivery or completion under his Contract of Erection or of any obligations assumed thereunder including consequential loss of any kind or description or for any aesthetic defects or operational deficiencies. ... a) bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other firm connected with the project which or part of which is insured under Section I, or members of their families; ... c) any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;","sources":[{"clause":null,"heading":"ERECTION ALL RISKS INSURANCE POLICY - RETAIL","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-erection-all-risks-insurance-policy-retail"},{"clause":"Section I(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-a"},{"clause":"Section I(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-b"},{"clause":"Section I(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-c"},{"clause":"Section I(d)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-d"},{"clause":"Section I(e)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-e"},{"clause":"Section I(f)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-f"},{"clause":"Section I(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-g"},{"clause":"3(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-3-a"},{"clause":"3(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-3-c"}],"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":"Complaints should first be sent in writing to the Company at its touchpoints. Step 1 is call 1800 12000 or email support@edelweissinsurance.com; if not satisfied, contact the Grievance Cell, then the Company’s Grievance Redressal Officer, and the Company says it will address grievances within 14 days.","display":"First contact the Company: Step 1 call 1800 12000 or email support@edelweissinsurance.com; then Grievance Cell; then Grievance Redressal Officer. Grievances are addressed within 14 days.","note":null,"quote":"Any Grievance of the Complainant sent in a written communication to the Company at any of the touch points as mentioned, shall be addressed within 14 days of the receipt of the complaint. ... Step 1 Call: 1800 12000 Email: support@edelweissinsurance.com ... he/she may contact the Grievance Cell at the below touchpoints: ... he/she may contact the Company’s Grievance Redressal Officer at:","sources":[{"clause":"3(II)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-3-ii-b-7"}],"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":["sudden and unforeseen physical loss of or damage to the property insured","lost, damaged or destroyed by any cause, other than those specifically excluded hereunder","cost of clearance and removal of debris following upon any event giving rise to an admissible claim","Legal liability for accidental loss or damage caused to property of other persons","Legal liability (liability under contract excepted) for fatal or non-fatal injury to any person","Earthquake - Fire & Shock","Landslide/Rockslide/Subsidence","Flood/Inundation","Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances"],"display":"All-risk material damage to insured property, debris removal for admissible claims, third-party accidental property damage and injury liability, and listed major perils including earthquake, landslide, flood and storm/lightning.","note":"Coverage is subject to exclusions, conditions, limits and any Schedule entries.","quote":"the company will indemnify the Insured against sudden and unforeseen physical loss of or damage to the property insured ... lost, damaged or destroyed by any cause, other than those specifically excluded hereunder ... cost of clearance and removal of debris following upon any event giving rise to an admissible claim ... a) Legal liability for accidental loss or damage caused to property of other persons ... b) Legal liability (liability under contract excepted) for fatal or non-fatal injury to any person ... a) Earthquake - Fire & Shock ... b) Landslide/Rockslide/Subsidence, ... c) Flood/Inundation, ... d) Storm/Tempest/Hurricane/Typhoon/Cyclone/lightning or other atmospheric disturbances.","sources":[{"clause":null,"heading":"ERECTION ALL RISKS INSURANCE POLICY - RETAIL","page":2,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-erection-all-risks-insurance-policy-retail"},{"clause":"Section I","heading":"MATERIAL DAMAGE","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i"},{"clause":"Section II(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-ii-a"},{"clause":"Section II(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-ii-b"},{"clause":"Section I(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-a-3"},{"clause":"Section I(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-b-3"},{"clause":"Section I(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-c-2"},{"clause":"Section I(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-d-2"}],"law":[]},{"key":"deductible","label":"Deductible or excess","section":"Limits and co-pay","meaning":"Amount of each claim you bear.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the first amount or Excess shown/stated in the Schedule, but the Schedule amount is not provided.","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 the insured requests termination, the insurers refund the appropriate premium amount, subject to all three conditions: claims experience as on cancellation is less than 60% of reworked premium, the unexpired period is not less than 3 months or 25% of the policy period whichever is less, and the testing period has not commenced.","display":"Appropriate premium amount, if claims experience is less than 60% of reworked premium, unexpired period is at least 3 months or 25% of the policy period whichever is less, and testing has not commenced.","note":null,"quote":"This insurance may be terminated at the request of the Insured at any time in which case the Insurers will refund appropriate premium amount subject to the following conditions.\ni) Claims experience under the policy as on date of cancellation should be less than 60 % of reworked premium.\nii) The unexpired period is not less than 3 months or 25% of the policy period, whichever is less\niii) Testing period should not have commenced.","sources":[{"clause":"10","heading":"This insurance may be terminated at the request of the Insured at","page":3,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-10"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the site specified in the Schedule, but does not print a geographic territory.","quote":null,"sources":[],"law":[]},{"key":"equipment_covered","label":"Equipment or project covered","section":"Cover","meaning":"What is insured.","status":"quote-verified","value":"The policy covers the property described in the Schedule, except packing materials, for an erection project; the wording also refers to the plant machinery/project for the completely erected value.","display":"Scheduled erection property, except packing materials; plant machinery/project.","note":"Specific insured items depend on the Schedule, which is not included.","quote":"property (except packing materials of any kind) or any part thereof described in the said Schedule ... The sum insured under the Policy representing the completely erected value of the plant machinery/project","sources":[{"clause":"Section I","heading":"MATERIAL DAMAGE","page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i"},{"clause":"Section I(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-g"}],"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 must be at least the completely erected value of the property, inclusive of freights, customs duty and erection cost. It is adjustable at completion of erection on actual freight and handling charges, customs dues and erection costs, while any increase or decrease in prime cost of plant and equipment is not adjusted.","display":"Completely erected value, inclusive of freights, customs duty and erection cost; adjusted at completion for actual freight/handling, customs dues and erection costs.","note":null,"quote":"the Sum of Insurance stated in the Schedule shall not be less than the completely erected value of the property inclusive of freights, customs duty, erection cost ... The sum insured under the Policy representing the completely erected value of the plant machinery/project shall be adjustable at completion of erection on the basis of the actual values to be declared by the insured in respect of freight and handling charges, customs dues and costs of erection ... Any increase or decrease in prime cost of Plant and Equipment shall not be the subject matter of premium adjustment.","sources":[{"clause":"Section I(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-g"}],"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":"quote-verified","value":"If the sum insured representing the completely erected value of the property or particular items is less than the amount required to be insured, the recoverable amount is reduced in the same proportion as the sum insured bears to the amount required to be insured.","display":"Claims are reduced proportionately if the sum insured is less than the amount required to be insured.","note":null,"quote":"If, in the event of the occurrence of a loss, or damage it is found that the Sum Insured representing the completely erected value of the property and/or of particular items involved is less than the amount required to be insured the amount recoverable by the Insured under the Policy shall be reduced in such proportion as the Sum Insured bears to the amount required to be insured.","sources":[{"clause":"Section I(g)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701#c-section-i-g"}],"law":[]}],"documents":[{"kind":"wording","label":"Erection All Risks Insurance Policy (IRDAI copy)","pages":18,"fetched_at":"2026-10-20 01:33:58+00","source_url":"https://irdai.gov.in/documents/37343/993134/IRDAN159RP0002V01202021_GEN3903.pdf/b6dd2efa-7c82-bb74-9847-0e3bcb8fd160?version=1.1&t=1668329132227&download=true","url":"https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021/document/26701"}],"versions":[{"uin":"GEN3903","version":null,"approved_on":null},{"uin":"IRDAN159RP0002V01202021","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Zuno General Insurance official website","url":"https://www.hizuno.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":"Health claims","url":"https://www.hizuno.com/health-insurance/health-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.hizuno.com/claims-motor","note":null},{"purpose":"claim","kind":"insurer","name":"Other claims","url":"https://www.hizuno.com/other-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":"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":"Health renewal","url":"https://www.hizuno.com/renewals/health-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Motor renewal","url":"https://www.hizuno.com/renewals/motor-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":"Erection All Risks Insurance Policy (UIN IRDAN159RP0002V01202021), IndiaInsurances, https://indiainsurances.com/policy/zuno-general-insurance/erection-all-risks-insurance-policy-irdan159rp0002v01202021"}