AVIATION INSURANCE - HULL PACKAGE POLICY · (b) If the Insurers exercise their option to pay for or...
Transcript of AVIATION INSURANCE - HULL PACKAGE POLICY · (b) If the Insurers exercise their option to pay for or...
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
AVIATION INSURANCE
HDFC ERGO GENERAL INSURANCE COMPANY LIMITEDRegd. Office: 6
Andheri Kurla Road, Andheri (East),
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
INSURANCE - HULL PACKAGE
POLICY
HDFC ERGO GENERAL INSURANCE COMPANY LIMITED
Regd. Office: 6th Floor, Leela Business Park,
Andheri Kurla Road, Andheri (East),
Mumbai – 400 059.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
HULL PACKAGE
HDFC ERGO GENERAL INSURANCE COMPANY LIMITED
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Whereas the Insured named in the Schedule and carrying on the business as described in the Schedule of this policy
has applied to HDFC Ergo General Insurance Company Limited (hereinafter called "the Company") by a written
proposal and declaration which shall be the basis of this contract and be deemed to be incorporated herein for the
insurance hereinafter contained and has paid the
premium for the sections stated in the Schedule.
The Company hereby agrees subject to the terms and conditions
expressed hereon that if the Insured shall sustain LOSS of or DAMAGE to property or incur liability
during the period of insurance stated herein
paid and the Company shall have accepted the premium
required for the Company to provide coverage to the Insured during the period of this policy or for the renewal
thereof the Company will pay to the Insured the value at the time of happening o
the amount of such damage or the amount of liability incurred as the case may be and in respect of which coverage
is provided under this policy but not exceeding in
any one period of insurance in respect of each of
thereof respectively.
SECTION I - AVIATION
Headings and marginal captions are inserted for the purpose of convenient reference only and are not to be
part of this Policy.
Certain words and phrases used in this Policy have special meanings, which can be found in Section IV
(D)Definitions.
The Insurers agree to insure against loss, damage or liability, arising out of an Accident occurring during the
Period of Insurance to the extent and in the manner provided in this Policy.
SECTION I LOSS OF OR DAMAGE TO AIRCRAFT
1. Coverage
(a) The Insurers will at their option pay for, replace or repair, accidental loss of or damage to the
Schedule arising from the risks covered, including disappearance if the
commencement of Flight, but not exceeding the
amounts to be deducted specified in Condition 3(c).
(b) If the Aircraft is insured hereby for the risks of Flight, the Insurers will, in addition, pay reasonable
necessarily incurred by the Insured for the immediate safety of the Aircraft
per cent of the Amount Insured as specified in Part 2(5) of the Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Whereas the Insured named in the Schedule and carrying on the business as described in the Schedule of this policy
HDFC Ergo General Insurance Company Limited (hereinafter called "the Company") by a written
shall be the basis of this contract and be deemed to be incorporated herein for the
insurance hereinafter contained and has paid the
premium for the sections stated in the Schedule.
The Company hereby agrees subject to the terms and conditions contained herein or endorsed or otherwise
the Insured shall sustain LOSS of or DAMAGE to property or incur liability
stated herein or any subsequent period in respect of which the Insured
paid and the Company shall have accepted the premium
required for the Company to provide coverage to the Insured during the period of this policy or for the renewal
will pay to the Insured the value at the time of happening of such loss of the property so lost or
amount of liability incurred as the case may be and in respect of which coverage
is provided under this policy but not exceeding in
any one period of insurance in respect of each of the several items/sections specified herein the sum set opposite
AVIATION INSURANCE – HULL ALL RISK
AIRCRAFT INSURANCE POLICY
Headings and marginal captions are inserted for the purpose of convenient reference only and are not to be
Certain words and phrases used in this Policy have special meanings, which can be found in Section IV
The Insurers agree to insure against loss, damage or liability, arising out of an Accident occurring during the
od of Insurance to the extent and in the manner provided in this Policy.
SECTION I LOSS OF OR DAMAGE TO AIRCRAFT
(a) The Insurers will at their option pay for, replace or repair, accidental loss of or damage to the
Schedule arising from the risks covered, including disappearance if the Aircraft is unreported for sixty days after the
commencement of Flight, but not exceeding the Amount Insured as specified in Part 2(5) of the Schedule and subject to the
deducted specified in Condition 3(c).
(b) If the Aircraft is insured hereby for the risks of Flight, the Insurers will, in addition, pay reasonable
necessarily incurred by the Insured for the immediate safety of the Aircraft consequent upon damage or forced landing, up to 10
in Part 2(5) of the Schedule.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Whereas the Insured named in the Schedule and carrying on the business as described in the Schedule of this policy
HDFC Ergo General Insurance Company Limited (hereinafter called "the Company") by a written
shall be the basis of this contract and be deemed to be incorporated herein for the
contained herein or endorsed or otherwise
the Insured shall sustain LOSS of or DAMAGE to property or incur liability at any time
or any subsequent period in respect of which the Insured shall have
required for the Company to provide coverage to the Insured during the period of this policy or for the renewal
f such loss of the property so lost or
amount of liability incurred as the case may be and in respect of which coverage
the several items/sections specified herein the sum set opposite
HULL ALL RISK
Headings and marginal captions are inserted for the purpose of convenient reference only and are not to be deemed
Certain words and phrases used in this Policy have special meanings, which can be found in Section IV
The Insurers agree to insure against loss, damage or liability, arising out of an Accident occurring during the
(a) The Insurers will at their option pay for, replace or repair, accidental loss of or damage to the Aircraft described in the
Aircraft is unreported for sixty days after the
Amount Insured as specified in Part 2(5) of the Schedule and subject to the
(b) If the Aircraft is insured hereby for the risks of Flight, the Insurers will, in addition, pay reasonable emergency expenses
upon damage or forced landing, up to 10
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
2. Exclusions applicable to this Section only
The Insurers shall not be liable for
Wear and Tear, Breakdown
(a) wear and tear, deterioration, breakdown, defect or failure howsoever caused in any Unit of the
Aircraft and the consequences thereof within such Unit;
(b) damage to any Unit by anything which has a progressive or cumulative effect but damage
attributable to a single recorded incident is covered under paragraph 1(a) above.
HOWEVER accidental loss of or damage to the Aircraft consequent upon 2(a) or (b) above is covered
under paragraph 1(a) above.
3. Conditions applicable to this Section only
(a) If the Aircraft is damaged
Dismantling Transport and Repairs,
(i) no dismantling or repairs shall be commenced without the consent of the Insurers except
whatever is necessary in the interests of safety, or to prevent further damage, or to comply with
orders issued by the appropriate authority;
(ii) the Insurers will pay only for repairs and transport of labour and materials by the most
economical method unless the Insurers agree otherwise with the Insured.
Payment or Replacement
(b) If the Insurers exercise their option to pay for or replace the Aircraft
(i) the Insurers may take the Aircraft (together with all documents of record, registration and title
thereto) as salvage;
(ii) the cover afforded by this Section is terminated in respect of the Aircraft even if the Airc
retained by the Insured for valuable consideration or otherwise;
(iii) the replacement aircraft shall be of the same make and type and in reasonably like condition
unless otherwise agreed with the Insured.
Amounts to be deducted from the claim
(c) Except where the Insurers exercise their option to pay for or replace the Aircraft, there shall be
deducted from the claim under paragraph 1(a) of this Section
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Exclusions applicable to this Section only
deterioration, breakdown, defect or failure howsoever caused in any Unit of the
Aircraft and the consequences thereof within such Unit;
(b) damage to any Unit by anything which has a progressive or cumulative effect but damage
orded incident is covered under paragraph 1(a) above.
HOWEVER accidental loss of or damage to the Aircraft consequent upon 2(a) or (b) above is covered
Conditions applicable to this Section only
(i) no dismantling or repairs shall be commenced without the consent of the Insurers except
whatever is necessary in the interests of safety, or to prevent further damage, or to comply with
appropriate authority;
(ii) the Insurers will pay only for repairs and transport of labour and materials by the most
economical method unless the Insurers agree otherwise with the Insured.
to pay for or replace the Aircraft
(i) the Insurers may take the Aircraft (together with all documents of record, registration and title
(ii) the cover afforded by this Section is terminated in respect of the Aircraft even if the Aircraft is
retained by the Insured for valuable consideration or otherwise;
(iii) the replacement aircraft shall be of the same make and type and in reasonably like condition
unless otherwise agreed with the Insured.
(c) Except where the Insurers exercise their option to pay for or replace the Aircraft, there shall be
deducted from the claim under paragraph 1(a) of this Section
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
deterioration, breakdown, defect or failure howsoever caused in any Unit of the
(b) damage to any Unit by anything which has a progressive or cumulative effect but damage
whatever is necessary in the interests of safety, or to prevent further damage, or to comply with
(i) the Insurers may take the Aircraft (together with all documents of record, registration and title
raft is
(iii) the replacement aircraft shall be of the same make and type and in reasonably like condition
(c) Except where the Insurers exercise their option to pay for or replace the Aircraft, there shall be
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(i) the amount specified in Part 6 (B) of the Schedule and
(ii) such proportion of the Overhaul Cost of any Unit repaired or replaced as the used time bears to
the Overhaul Life of the Unit.
No Abandonment
(d) Unless the Insurers elect to take the Aircraft as salvage the Aircraft shall at all times remain the
property of the Insured who shall have no right of abandonment to the Insurers.
Other Insurance
(e) No claim shall be payable under this Section if other insurance which is payable in
damage covered under this Section has been or shall be
knowledge or consent of the Insurers.
SECTION II AIRCRAFT SPARES WORDINGS
1. COVERAGES
Subject to the terms, conditions and exclusions hereinafter contained this Policy insures Property being only
Engines, Spare Parts and Equipment destined to be fitted to or to form part of an aircraft, plus Tools and Supplies
and Ground Equipment being the property of the Assured or the property of others for which the Assured is
responsible, while such property is in the care, custody or control of the Assured on the ground, or is being carried
as cargo in transit, by air (including Assured's aircraft) and/or steamers (approved or held covered at a premium to
be arranged) and/or road and/or rail and/or conveyance.
2. CONDITIONS
All risks of Physical Loss or Damage (except as hereafter excluded) but
Air Transits
Institute Cargo Clauses (AIR) 1/1/82
Marine Transits
Institute Cargo Clauses (A) 1/1/82
3. GEOGRAPHICAL LIMITS
This Policy to cover the property described above, against the risks described above, whilst As Shown in the
attached Aircraft Insurance Policy.
4. EXCLUSIONS
This Policy does not insure:-
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(i) the amount specified in Part 6 (B) of the Schedule and
Overhaul Cost of any Unit repaired or replaced as the used time bears to
(d) Unless the Insurers elect to take the Aircraft as salvage the Aircraft shall at all times remain the
all have no right of abandonment to the Insurers.
(e) No claim shall be payable under this Section if other insurance which is payable in
damage covered under this Section has been or shall be effected by or on behalf of the Insured without the
See also Section IV
SECTION II AIRCRAFT SPARES WORDINGS
Subject to the terms, conditions and exclusions hereinafter contained this Policy insures Property being only
Engines, Spare Parts and Equipment destined to be fitted to or to form part of an aircraft, plus Tools and Supplies
and Ground Equipment being the property of the Assured or the property of others for which the Assured is
s in the care, custody or control of the Assured on the ground, or is being carried
as cargo in transit, by air (including Assured's aircraft) and/or steamers (approved or held covered at a premium to
be arranged) and/or road and/or rail and/or conveyance.
All risks of Physical Loss or Damage (except as hereafter excluded) but
described above, against the risks described above, whilst As Shown in the
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Overhaul Cost of any Unit repaired or replaced as the used time bears to
(d) Unless the Insurers elect to take the Aircraft as salvage the Aircraft shall at all times remain the
(e) No claim shall be payable under this Section if other insurance which is payable in consequence of loss or
behalf of the Insured without the
Subject to the terms, conditions and exclusions hereinafter contained this Policy insures Property being only
Engines, Spare Parts and Equipment destined to be fitted to or to form part of an aircraft, plus Tools and Supplies
and Ground Equipment being the property of the Assured or the property of others for which the Assured is
s in the care, custody or control of the Assured on the ground, or is being carried
as cargo in transit, by air (including Assured's aircraft) and/or steamers (approved or held covered at a premium to
described above, against the risks described above, whilst As Shown in the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(a) Loss of or damage to any such property occurring at any time after the commencement of the oper
it to or placing it on board the aircraft to which it is destined.
(b) Loss of or damage to an Engine occurring during the running or testing thereof.
(c) Mechanical or electrical derangement.
(d) Loss or damage caused by wear, tear or
(e) Loss or damage caused by or resulting from neglect of the Assured to use reasonable means to save and
preserve the property at the time of and after any loss or damage.
(f) Loss of or damage to any property which has been detache
refitted to the aircraft and not to be replaced by other property.
(g) Loss of or damage to any property hereby insured which may be sustained whilst the same is under any
process and directly resulting therefrom.
(h) Property carried in an aircraft as a spare parts kit.
(i) Property fitted to or forming part of an aircraft.
(j) The property of others carried or stored by the Assured for hire or reward.
(k) Mysterious disappearance or unexplained loss or shorta
5. This Policy is subject to the Nuclear Risks Exclusion Clause AVN71.
6. This Policy does not cover claims caused by :
(a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
reaction or radioactive force or matter.
(c) Strikes, riots, civil commotions or labour disturbances.
(d) Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist purposes
and whether the loss or damage resulting there from is acciden
(e) Any malicious act or act of sabotage.
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under
the order of any Government (whether civil military or de facto) or pub
(g) Hi-jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the
of the Assured.
An aircraft being outside the control of the Assured by reason of a peril excluded by paragraphs (f) or (g).
7. DEDUCTIBLE CLAUSE
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(a) Loss of or damage to any such property occurring at any time after the commencement of the oper
it to or placing it on board the aircraft to which it is destined.
(b) Loss of or damage to an Engine occurring during the running or testing thereof.
(c) Mechanical or electrical derangement.
(d) Loss or damage caused by wear, tear or gradual deterioration.
(e) Loss or damage caused by or resulting from neglect of the Assured to use reasonable means to save and
preserve the property at the time of and after any loss or damage.
(f) Loss of or damage to any property which has been detached from an aircraft and which is intended to be
refitted to the aircraft and not to be replaced by other property.
(g) Loss of or damage to any property hereby insured which may be sustained whilst the same is under any
rom.
(h) Property carried in an aircraft as a spare parts kit.
(i) Property fitted to or forming part of an aircraft.
(j) The property of others carried or stored by the Assured for hire or reward.
(k) Mysterious disappearance or unexplained loss or shortage disclosed upon taking inventory.
This Policy is subject to the Nuclear Risks Exclusion Clause AVN71.
6. This Policy does not cover claims caused by :-
(a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
(c) Strikes, riots, civil commotions or labour disturbances.
(d) Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist purposes
whether the loss or damage resulting there from is accidental or intentional.
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under
order of any Government (whether civil military or de facto) or public or local authority.
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the
An aircraft being outside the control of the Assured by reason of a peril excluded by paragraphs (f) or (g).
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(a) Loss of or damage to any such property occurring at any time after the commencement of the operation of fitting
(e) Loss or damage caused by or resulting from neglect of the Assured to use reasonable means to save and
d from an aircraft and which is intended to be
(g) Loss of or damage to any property hereby insured which may be sustained whilst the same is under any
ge disclosed upon taking inventory.
war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
(d) Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist purposes
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the consent
An aircraft being outside the control of the Assured by reason of a peril excluded by paragraphs (f) or (g).
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Each claim for loss or damage arising out of one event shall be adjusted separately and from the
adjusted claim the sum of US$ 5,000 each and every loss shall be deducted but claims for loss or damage caused
fire, wind, tornado and cyclone shall be paid in full.
8. LIMITS OF LIABILITY
The liability of the Underwriters shall not exce
1. US$ …………….. any one occurrence
2. US$ …………….. any one sending
3. The cost of repair or the cost of replacement or the insured value, whichever shall be the least amount, in
respect of any one item of property.
9. SALVAGE AND RECOVERIES CLAUSE
All salvages, recoveries and payments recovered or received subsequent to a loss settlement under this Policy
be applied as if recovered or received prior to the said settlement and all necessary adjustments shall be
parties thereto.
10. LOSS CLAUSE
Any loss hereunder shall not reduce the amount of this Policy.
SECTION III
1. Coverage
The Insurers will indemnify the Insured for all sums which the Insured shall become legally
pay, as compensatory damages (including costs awarded against the
(fatal or otherwise) and accidental damage to
therefrom.
Employees and Others
2. Exclusions applicable to this Section only
The Insurers shall not be liable for
(a) injury (fatal or otherwise) or loss sustained by any director or employee of the Insured or
whilst acting in the course of his employment with or duties for
Operational Crew
(b) injury (fatal or otherwise) or loss sustained by any member of the flight, cabin or other crew
the operation of the Aircraft;
Passengers
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Each claim for loss or damage arising out of one event shall be adjusted separately and from the
adjusted claim the sum of US$ 5,000 each and every loss shall be deducted but claims for loss or damage caused
fire, wind, tornado and cyclone shall be paid in full.
The liability of the Underwriters shall not exceed:-
3. The cost of repair or the cost of replacement or the insured value, whichever shall be the least amount, in
9. SALVAGE AND RECOVERIES CLAUSE
salvages, recoveries and payments recovered or received subsequent to a loss settlement under this Policy
be applied as if recovered or received prior to the said settlement and all necessary adjustments shall be
Any loss hereunder shall not reduce the amount of this Policy.
SECTION III - A LEGAL LIABILITY TO THIRD PARTIES
(OTHER THAN PASSENGERS)
The Insurers will indemnify the Insured for all sums which the Insured shall become legally
pay, as compensatory damages (including costs awarded against the Insured) in respect of accidental bodily injury
(fatal or otherwise) and accidental damage to property caused by the Aircraft or by any person or object falling
Exclusions applicable to this Section only
(a) injury (fatal or otherwise) or loss sustained by any director or employee of the Insured or partner in the Insured's business
acting in the course of his employment with or duties for the Insured;
(b) injury (fatal or otherwise) or loss sustained by any member of the flight, cabin or other crew
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Each claim for loss or damage arising out of one event shall be adjusted separately and from the amount of such
adjusted claim the sum of US$ 5,000 each and every loss shall be deducted but claims for loss or damage caused by
3. The cost of repair or the cost of replacement or the insured value, whichever shall be the least amount, in
salvages, recoveries and payments recovered or received subsequent to a loss settlement under this Policy shall
be applied as if recovered or received prior to the said settlement and all necessary adjustments shall be made by the
The Insurers will indemnify the Insured for all sums which the Insured shall become legally liable to pay, and shall
Insured) in respect of accidental bodily injury
property caused by the Aircraft or by any person or object falling
partner in the Insured's business
(b) injury (fatal or otherwise) or loss sustained by any member of the flight, cabin or other crew whilst engaged in
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(c) injury (fatal or otherwise) or loss sustained by any passenger whilst entering, on board, or
Aircraft;
Property
(d) loss of or damage to any property belonging to or in the care, custody or control of the Insured;
Noise and Pollution and Other Perils
(e) claims excluded by the attached Noise and Pollution and Other Perils Exclusion Clause.
3. Limits of Indemnity applicable to this Section
The liability of the Insurers under this Section shall not exceed the amounts stated
any amounts under Part 6(B). The Insurers will defray in addition any
written consent in defending any action which may
compensatory damages covered by this Section, but should the amount paid or awarded in settlement of such claim
exceed the Limit of Indemnity then the liability of the Insurers in respect of such legal costs and expenses
limited to such proportion of the said legal costs and expenses as the Limit of
for compensatory damages.
SECTION III
1. Coverage
The Insurers will indemnify the Insured in respect of
and shall pay, as compensatory damages (including costs awarded
(a) accidental bodily injury (fatal or otherwise) to passengers whilst entering, on board, or
and
(b) loss of or damage to baggage and personal articles of passengers arising out of an Accident
to the Aircraft.
Documentary Precautions
Provided always that
(i) before a passenger boards the Aircraft the Insured shall
liability for claims under (a) and (b) above to the extent
(ii) if the measures referred to in proviso (i) above include the issue of a passenger
shall be delivered correctly completed to the passenger a
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(c) injury (fatal or otherwise) or loss sustained by any passenger whilst entering, on board, or
(d) loss of or damage to any property belonging to or in the care, custody or control of the Insured;
(e) claims excluded by the attached Noise and Pollution and Other Perils Exclusion Clause.
Limits of Indemnity applicable to this Section
The liability of the Insurers under this Section shall not exceed the amounts stated in Part 6(C)
any amounts under Part 6(B). The Insurers will defray in addition any legal costs and expenses incurred with their
written consent in defending any action which may be brought against the Insured in respect of any claim
this Section, but should the amount paid or awarded in settlement of such claim
Limit of Indemnity then the liability of the Insurers in respect of such legal costs and expenses
tion of the said legal costs and expenses as the Limit of Indemnity bears to the amount paid
See also Section IV
SECTION III - B LEGAL LIABILITY TO PASSENGERS
The Insurers will indemnify the Insured in respect of all sums which the Insured shall become
and shall pay, as compensatory damages (including costs awarded against the Insured) in respect of
(a) accidental bodily injury (fatal or otherwise) to passengers whilst entering, on board, or alighting from the Aircraft
(b) loss of or damage to baggage and personal articles of passengers arising out of an Accident
(i) before a passenger boards the Aircraft the Insured shall take such measures as arenecessary to exclude or limit
liability for claims under (a) and (b) above to the extent permitted by law;
(ii) if the measures referred to in proviso (i) above include the issue of a passenger ticket/baggage check, the same
be delivered correctly completed to the passenger a reasonable time before the passenger boards the Aircraft.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(c) injury (fatal or otherwise) or loss sustained by any passenger whilst entering, on board, or alighting from the
(d) loss of or damage to any property belonging to or in the care, custody or control of the Insured;
in Part 6(C) of the Schedule, less
legal costs and expenses incurred with their
be brought against the Insured in respect of any claim for
this Section, but should the amount paid or awarded in settlement of such claim
Limit of Indemnity then the liability of the Insurers in respect of such legal costs and expenses shall be
Indemnity bears to the amount paid
all sums which the Insured shall become legally liable to pay,
against the Insured) in respect of
alighting from the Aircraft
(b) loss of or damage to baggage and personal articles of passengers arising out of an Accident
take such measures as arenecessary to exclude or limit
ticket/baggage check, the same
reasonable time before the passenger boards the Aircraft.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Effect of Non-Compliance
In the event of failure to comply with proviso (i) or (ii) the liability of the Insurers under
exceed the amount of the legal liability, if any, that would have
2. Exclusions applicable to this Section only
The Insurers shall not be liable for injury (fatal or otherwise) or loss sustained by any
Employees and Others
(a) director or employee of the Insured or partner in the Insured's business whilst acting in the
employment with or duties for the Insured;
Operational Crew
(b) member of the flight, cabin or other crew whilst engaged
3. Limits of Indemnity applicable to this Section
The liability of the Insurers under this Section shall not exceed the amounts stated in Part 6
any amounts under Part 6 (B). The Insurers will
written consent in defending any action
compensatory damages covered by this Section, but should the amount paid or awa
exceed the Limit of Indemnity then the liability of the Insurers in respect of such legal costs
limited to such proportion of the said legal costs and expenses as the
for compensatory damages.
(A) GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS
This Policy does not apply
Illegal Uses
1. Whilst the Aircraft is being used for any illegal purpose or for any purpose other than
Schedule and as defined in the Definitions.
Geographical Limits
2. Whilst the Aircraft is outside the geographical limits stated in Part 5 of the Schedule unless due to
Pilots
3. Whilst the Aircraft is being piloted by any person other than as stated in Part 4 of the Schedule
Aircraft may be operated on the ground by any person competent for that purpose.
Transportation by other Conveyance
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
In the event of failure to comply with proviso (i) or (ii) the liability of the Insurers under
exceed the amount of the legal liability, if any, that would have existed had the proviso been complied with
Exclusions applicable to this Section only
The Insurers shall not be liable for injury (fatal or otherwise) or loss sustained by any
(a) director or employee of the Insured or partner in the Insured's business whilst acting in the
employment with or duties for the Insured;
(b) member of the flight, cabin or other crew whilst engaged in the operation of the Aircraft.
Limits of Indemnity applicable to this Section
The liability of the Insurers under this Section shall not exceed the amounts stated in Part 6
any amounts under Part 6 (B). The Insurers will defray in addition any legal costs and expenses incurred with their
written consent in defending any action which may be brought against the Insured in respect of any claim for
covered by this Section, but should the amount paid or awarded in settlement of such claim
exceed the Limit of Indemnity then the liability of the Insurers in respect of such legal costs
limited to such proportion of the said legal costs and expenses as the Limit of Indemnity bears to the am
See also Section V
SECTION IV
(A) GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS
1. Whilst the Aircraft is being used for any illegal purpose or for any purpose other than those stated in
Schedule and as defined in the Definitions.
2. Whilst the Aircraft is outside the geographical limits stated in Part 5 of the Schedule unless due to
piloted by any person other than as stated in Part 4 of the Schedule
Aircraft may be operated on the ground by any person competent for that purpose.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
In the event of failure to comply with proviso (i) or (ii) the liability of the Insurers under this Section shall not
existed had the proviso been complied with.
(a) director or employee of the Insured or partner in the Insured's business whilst acting in the course of his
(C) of the Schedule, less
any legal costs and expenses incurred with their
which may be brought against the Insured in respect of any claim for
rded in settlement of such claim
exceed the Limit of Indemnity then the liability of the Insurers in respect of such legal costs and expenses shall be
Limit of Indemnity bears to the amount paid
those stated in Part 3 of the
2. Whilst the Aircraft is outside the geographical limits stated in Part 5 of the Schedule unless due to force majeure.
piloted by any person other than as stated in Part 4 of the Schedule except that the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. Whilst the Aircraft is being transported by any mea
to a claim under Section I of this Policy.
Landing and Take-off Areas
5. Whilst the Aircraft is landing on or taking off or attempting to do so from a place which does not
recommendations laid down by the manufacturer of the Aircraft except as a result
Contractual Liability
6. To liability assumed or rights waived by the Insured under any agreement (other than a passenger
check issued under Section III hereof) except to the extent that such liability would
the absence of such agreement.
Number of Passengers
7. Whilst the total number of passengers being carried in the Aircraft exceeds the declared maximum
passengers stated in Part 2(4) of the Schedule.
Non-Contribution
8. To claims which are payable under any other policy or policies except in respect of any excess
which would have been payable under such other policy or policies ha
Nuclear Risks
9. To claims excluded by the attached Nuclear Risks Exclusion Clause.
(B) CONDITIONS PRECEDENT APPLICABLE TO ALL SECTIONS
It is necessary that the Insured observes and fulfils the following Condit
make any payment under this Policy.
Due Diligence
1. The Insured shall at all times use due dilligence and do and concur in doing everything practicable
accidents and to avoid or diminish any loss hereon.
Compliance with Air Navigation Orders etc.
2. The Insured shall comply with all air navigation and airworthiness orders and requirements issued
competent authority affecting the safe operation of the Aircraft and shall ensure that
(a) the Aircraft is airworthy at the commencement of each Flight;
(b) all Log Books and other records in connection with the Aircraft which are required by any official
force from time to time shall be kept up to date and shall be produced to the
(c) the employees and agents of the Insured comply with such orders and requirements.
Claims Procedure
3. Immediate notice of any event likely to give rise to a claim under this Policy shall be given as stated
in Part 8 of the Schedule. In all cases the Insured shall
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4. Whilst the Aircraft is being transported by any means of conveyance except as the result of an
5. Whilst the Aircraft is landing on or taking off or attempting to do so from a place which does not
recommendations laid down by the manufacturer of the Aircraft except as a result of force majeure.
6. To liability assumed or rights waived by the Insured under any agreement (other than a passenger
Section III hereof) except to the extent that such liability would have attached to the Insured in
7. Whilst the total number of passengers being carried in the Aircraft exceeds the declared maximum
passengers stated in Part 2(4) of the Schedule.
8. To claims which are payable under any other policy or policies except in respect of any excess
which would have been payable under such other policy or policies had this insurance not been effected.
9. To claims excluded by the attached Nuclear Risks Exclusion Clause.
(B) CONDITIONS PRECEDENT APPLICABLE TO ALL SECTIONS
It is necessary that the Insured observes and fulfils the following Conditions before the Insurer
1. The Insured shall at all times use due dilligence and do and concur in doing everything practicable
accidents and to avoid or diminish any loss hereon.
2. The Insured shall comply with all air navigation and airworthiness orders and requirements issued
competent authority affecting the safe operation of the Aircraft and shall ensure that
is airworthy at the commencement of each Flight;
(b) all Log Books and other records in connection with the Aircraft which are required by any official
force from time to time shall be kept up to date and shall be produced to the Insurers or their Agents on request;
(c) the employees and agents of the Insured comply with such orders and requirements.
3. Immediate notice of any event likely to give rise to a claim under this Policy shall be given as stated
Schedule. In all cases the Insured shall
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
ns of conveyance except as the result of an Accident giving rise
5. Whilst the Aircraft is landing on or taking off or attempting to do so from a place which does not comply with the
6. To liability assumed or rights waived by the Insured under any agreement (other than a passenger ticket/baggage
have attached to the Insured in
7. Whilst the total number of passengers being carried in the Aircraft exceeds the declared maximum number of
8. To claims which are payable under any other policy or policies except in respect of any excess beyond the amount
insurance not been effected.
before the Insurer have any liability to
1. The Insured shall at all times use due dilligence and do and concur in doing everything practicable to avoid
2. The Insured shall comply with all air navigation and airworthiness orders and requirements issued by any
(b) all Log Books and other records in connection with the Aircraft which are required by any official regulations in
r their Agents on request;
3. Immediate notice of any event likely to give rise to a claim under this Policy shall be given as stated
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(a) furnish full particulars in writing of such event and forward immediately notice of any claim with
documents relating thereto;
(b) give notice of any impending prosecution;
(c) render such further information and assistance as the Insurers may reasonably require;
(d) not act in any way to the detriment or prejudice of the interest of the Insurers.
The Insured shall not make any admission of liability or payment or offer or promise of
written consent of the Insurers.
(C) GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS
Claims Control
1. The Insurers shall be entitled (if they so elect) at any time and for so long as they desire to take
all negotiations and proceedings and in the name of the Insured to settle,
Subrogation
2. Upon an indemnity being given or a payment being made by the Insurers under this Policy, they
subrogated to the rights and remedies of the Insur
the Insurers to exercise such rights and remedies.
Variation inRisk
3. Should there be any change in the circumstances or nature of the risks which are the basis of this
Insured shall give immediate notice thereof to the Insurers and no claim arising
recoverable hereunder unless such change has been
Cancellation
4. This Policy may be cancelled by either the
cancellation. If cancelled by the Insurers they will return a pro rata portion of the premium in
unexpired period of the Policy. If cancelled by the Insured a return of premium
Insurers. There will be no return of premium in respect of any Aircraft on
this Policy.
Assignment
5. This Policy shall not be assigned in whole or in part except with the consen
endorsement hereon.
Not Marine Insurance
6. This Policy is not and the parties hereto expressly agree that it shall not be construed as a policy of
insurance.
Arbitration
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(a) furnish full particulars in writing of such event and forward immediately notice of any claim with
(b) give notice of any impending prosecution;
r information and assistance as the Insurers may reasonably require;
(d) not act in any way to the detriment or prejudice of the interest of the Insurers.
The Insured shall not make any admission of liability or payment or offer or promise of
(C) GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS
1. The Insurers shall be entitled (if they so elect) at any time and for so long as they desire to take
and proceedings and in the name of the Insured to settle, defend or pursue any claim.
2. Upon an indemnity being given or a payment being made by the Insurers under this Policy, they
subrogated to the rights and remedies of the Insured who shall co-operate with and do all things necessary to assist
the Insurers to exercise such rights and remedies.
3. Should there be any change in the circumstances or nature of the risks which are the basis of this
Insured shall give immediate notice thereof to the Insurers and no claim arising subsequent to such change shall be
recoverable hereunder unless such change has been accepted by the Insurers.
4. This Policy may be cancelled by either the Insurers or the Insured giving 10 days notice in writing of
cancellation. If cancelled by the Insurers they will return a pro rata portion of the premium in
unexpired period of the Policy. If cancelled by the Insured a return of premium shall be at the discretion of the
Insurers. There will be no return of premium in respect of any Aircraft on which a loss is paid or is payable under
5. This Policy shall not be assigned in whole or in part except with the consent of the Insurers verified
6. This Policy is not and the parties hereto expressly agree that it shall not be construed as a policy of
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(a) furnish full particulars in writing of such event and forward immediately notice of any claim with any letters or
The Insured shall not make any admission of liability or payment or offer or promise of payment without the
1. The Insurers shall be entitled (if they so elect) at any time and for so long as they desire to take absolute control of
defend or pursue any claim.
2. Upon an indemnity being given or a payment being made by the Insurers under this Policy, they shall be
things necessary to assist
3. Should there be any change in the circumstances or nature of the risks which are the basis of this contract the
subsequent to such change shall be
Insurers or the Insured giving 10 days notice in writing of such
cancellation. If cancelled by the Insurers they will return a pro rata portion of the premium in respect of the
be at the discretion of the
which a loss is paid or is payable under
t of the Insurers verified by
6. This Policy is not and the parties hereto expressly agree that it shall not be construed as a policy of marine
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
7. This Policy shall be construed in accor
and the Insurers shall be submitted to arbitration in India in accordance with
for the time being in force.
Two or More Aircraft
8. When two or more Aircraft are insured hereunder the terms of this Policy apply separately to each.
Limit(s) of Indemnity
11. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or
liability of the Insurers in respect of any or all Insureds shall not exceed the
Policy.
False and Fraudulent Claims
12. If the Insured shall make any claim knowing the same to be false or fraudulent as regards amount
this Policy shall become void and all claims hereunder shall be forfeited.
(D) DEFINITIONS
1. "ACCIDENT" means any one accident or series of accidents arising out of one event.
2. "UNIT" means a part or an assembly of parts (including any sub
assigned an Overhaul Life as a part or an assembly. Nevertheless, an engine complete
attached when removed for the purpose of overhaul or replacement, shall
3. "OVERHAUL LIFE" means the amount of use, or operational and/or calendar time which, according
Airworthiness Authority, determines when overhaul or replacement of a Unit is required.
4. "OVERHAUL COST" means the costs of labour and materials which are or woul
replacement (whichever is necessary) at the end of the Overhaul Life of the damaged
5. "PRIVATE PLEASURE" means use for private and pleasure purposes but NOT use for any
nor for hire or reward.
6. "BUSINESS" means the uses stated in Private Pleasure and use for business or professional
for hire or reward.
7. "COMMERCIAL" means the uses stated in Private Pleasure and Business and use for the carriage
of passengers, baggage accompanying passengers and cargo for hire or reward.
8. "RENTAL" means rental, lease, charter or hire by the Insured to any person, company or
Pleasure and Business uses only, where the operation of the Ai
for any other purpose is NOT insured under this Policy
RENTAL USES in the Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
7. This Policy shall be construed in accordance with Indian Law and any dispute or difference
and the Insurers shall be submitted to arbitration in India in accordance with the Statutory provision for arbitration
or more Aircraft are insured hereunder the terms of this Policy apply separately to each.
11. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or
respect of any or all Insureds shall not exceed the Limit(s) of Indemnity stated in this
12. If the Insured shall make any claim knowing the same to be false or fraudulent as regards amount
shall become void and all claims hereunder shall be forfeited.
1. "ACCIDENT" means any one accident or series of accidents arising out of one event.
2. "UNIT" means a part or an assembly of parts (including any sub-assemblies) of the Aircraft which
assigned an Overhaul Life as a part or an assembly. Nevertheless, an engine complete
attached when removed for the purpose of overhaul or replacement, shall together constitute a single Unit.
LIFE" means the amount of use, or operational and/or calendar time which, according
Airworthiness Authority, determines when overhaul or replacement of a Unit is required.
4. "OVERHAUL COST" means the costs of labour and materials which are or would be incurred in
replacement (whichever is necessary) at the end of the Overhaul Life of the damaged or a similar Unit.
5. "PRIVATE PLEASURE" means use for private and pleasure purposes but NOT use for any
6. "BUSINESS" means the uses stated in Private Pleasure and use for business or professional
7. "COMMERCIAL" means the uses stated in Private Pleasure and Business and use for the carriage
of passengers, baggage accompanying passengers and cargo for hire or reward.
8. "RENTAL" means rental, lease, charter or hire by the Insured to any person, company or
Pleasure and Business uses only, where the operation of the Aircraft is not under the control of the Insured. Rental
for any other purpose is NOT insured under this Policy unless specifically declared to Insurers under SPECIAL
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
dance with Indian Law and any dispute or difference between the Insured
the Statutory provision for arbitration
or more Aircraft are insured hereunder the terms of this Policy apply separately to each.
11. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or otherwise, the total
Limit(s) of Indemnity stated in this
12. If the Insured shall make any claim knowing the same to be false or fraudulent as regards amount or otherwise
Aircraft which has been
with all parts normally
together constitute a single Unit.
LIFE" means the amount of use, or operational and/or calendar time which, according to the
d be incurred in overhaul or
or a similar Unit.
5. "PRIVATE PLEASURE" means use for private and pleasure purposes but NOT use for any business or profession
6. "BUSINESS" means the uses stated in Private Pleasure and use for business or professional purposes but NOT use
7. "COMMERCIAL" means the uses stated in Private Pleasure and Business and use for the carriage by the Insured
organization for Private
under the control of the Insured. Rental
unless specifically declared to Insurers under SPECIAL
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Definitions 5, 6, 7 and 8 constitute Standard Uses and
fighting, the intentional dropping, spraying or release of anything, any form of
and any other use involving abnormal hazard, but when cover is
the Schedule under SPECIAL USES.
9. "FLIGHT" means from the time the Aircraft moves forward in taking off or attempting to take off,
and until the Aircraft completes its landing run. A rotary
rotors are in motion as a result of engine power, the momentum
10 "TAXIING" means movement of the Aircraft under its own power other than in Flight as defined.
not be deemed to cease merely by reason of a temporary halting of the Aircraft.
11 "MOORED" means, in the case of aircraft designed to land on water, whilst the Aircraft is afloat and
Flight or Taxiing as defined, and includes the risks of
12 "GROUND" means whilst the Aircraft is not in Flight or Taxiing or Moored as defined above.
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
ISSUED TO :- ………………………………………………….. and as more fully set forth
It is understood and agreed that effective inception this Policy is subject to the following:
(i) This Policy is subject to the following attached Endorsements/Clauses as applicable:
Kin Geographical Areas Exclusion Clause LSW617F
Passenger Voluntary Settlement Endorsement AVN 34A
Premium Payment Clause LSW 3000 amended
Additions and Deletions (AVN 19A)
Nuclear Risks Exclusion Clause (AVN 38B)
Noise and Pollution and Other Perils Exclusion Clause (AVN 46B) Amended
War, Hi-Jacking and Other Perils Exclusion Clause (AVN 48B)
Extended Coverage Endorsement (Aviation Liabilities) (AVN 52E)
Agreed Value Clause (AVN 61) amended
Contracts (Rights of Third Parties) Act 1999 Exclusion Clause (AVN 72)
Supplementary Payments Clause (AVN 76) Amended
Medical and Funeral Expenses Inclusion Clause (AVN 80)
Date Recognition Exclusion Clause (AVN 2000A)
Date Recognition Limited Coverage Clause AVN 2001A
Asbestos Exclusion Clause 2488 AGM 00003
Liability to Pilots and Crew AVN 73
Pilot Indemnity Clause AVN 74
Cargo Legal Liability Endorsement (AVN 92)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Definitions 5, 6, 7 and 8 constitute Standard Uses and do not include instruction, aerobatics,
fighting, the intentional dropping, spraying or release of anything, any form of experimental or competitive flying,
and any other use involving abnormal hazard, but when cover is provided details of such use(s) are stated Part 3 of
9. "FLIGHT" means from the time the Aircraft moves forward in taking off or attempting to take off,
and until the Aircraft completes its landing run. A rotary-wing aircraft shall be deemed to be in Flight when the
rotors are in motion as a result of engine power, the momentum generated therefrom, or autorotation.
10 "TAXIING" means movement of the Aircraft under its own power other than in Flight as defined.
not be deemed to cease merely by reason of a temporary halting of the Aircraft.
11 "MOORED" means, in the case of aircraft designed to land on water, whilst the Aircraft is afloat and
Flight or Taxiing as defined, and includes the risks of launching and hauling up.\
12 "GROUND" means whilst the Aircraft is not in Flight or Taxiing or Moored as defined above.
ENDORSEMENT NUMBER 1
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
………………………………………………….. and as more fully set forth in the Schedule.
It is understood and agreed that effective inception this Policy is subject to the following:-
(i) This Policy is subject to the following attached Endorsements/Clauses as applicable:-
Kin Geographical Areas Exclusion Clause LSW617F amended
Passenger Voluntary Settlement Endorsement AVN 34A
Premium Payment Clause LSW 3000 amended
Noise and Pollution and Other Perils Exclusion Clause (AVN 46B) Amended
cking and Other Perils Exclusion Clause (AVN 48B)
Extended Coverage Endorsement (Aviation Liabilities) (AVN 52E)
Contracts (Rights of Third Parties) Act 1999 Exclusion Clause (AVN 72)
76) Amended
Medical and Funeral Expenses Inclusion Clause (AVN 80)
Date Recognition Exclusion Clause (AVN 2000A)
Date Recognition Limited Coverage Clause AVN 2001A
Asbestos Exclusion Clause 2488 AGM 00003
Cargo Legal Liability Endorsement (AVN 92)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
instruction, aerobatics, hunting, patrol, fire-
experimental or competitive flying,
such use(s) are stated Part 3 of
9. "FLIGHT" means from the time the Aircraft moves forward in taking off or attempting to take off, whilst in the air,
deemed to be in Flight when the
generated therefrom, or autorotation.
10 "TAXIING" means movement of the Aircraft under its own power other than in Flight as defined. Taxiing shall
11 "MOORED" means, in the case of aircraft designed to land on water, whilst the Aircraft is afloat and is not in
12 "GROUND" means whilst the Aircraft is not in Flight or Taxiing or Moored as defined above.
in the Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Profit Commission On Renewal Clause (On Hull)
(ii) In the event that an Aircraft insured hereon is fitted with a leased Engine(s), the Agreed Value of the Aircraft to
which such Leased Engine(s) is attached is automatically increased by the Agreed Value of the Leased
is installed, subject always to the maximum Agreed Value hereon not being exceeded
hereon.
(iv) Additional Insureds, Hold Harmless Agreement, Waivers of Subrogration, Breach of Warranty Assingments,
and Contractual Agreements and New Agreements entered into by the Original Insured during the
subject approval of the Insurers except those
New aircraft leases subject to AVN 67B or amendment thereto or replacement thereof.
(v) Agree to include Liability Coverage including Bodily Injury/Property Damage to any charter or cu
employess) who are included as additional /joint Assureds under the original policy.
(vi) Coverage includes Civil Aviation Authority, India mandatory requirements.
(vii) Agree to include all Insurance provisions as included withi
(viii) Agree to include ……………… as an Additional Insured for their respective rights and interests.
(viii) Agree to include all Insurance provisions as included within the Sale and Operating Lease Back
Owner :……………………………………………………, Lessor :………………………..,
(viii) Insurers agree to Waiver of Subrogation in favour of ……………….. and/or their affiliated companies.
(ix) Agreed to include Non-Ownership Liability for any type
not exceeding ……… any one Aircraft.
(x) Wherever the words ‘Insured’ and ‘Assured’ appear herein they shall be deemed to be synonymous, and
‘Insurers’ and ‘Underwriters’ appear they shall also be deemed to be synonymous.
ALL OTHER TERMS, CONDITIONS, LIMITATIONS AND EXCLUSIONS REMAIN UNCHANGED.
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED 1. This policy excludes loss, damage or expense arising from any of
regions:
a) Cabinda, Burundi, Central African Republic, Congo, Democratic Republic of Congo,
Liberia, Sierra Leone, Somalia.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Profit Commission On Renewal Clause (On Hull)
(ii) In the event that an Aircraft insured hereon is fitted with a leased Engine(s), the Agreed Value of the Aircraft to
attached is automatically increased by the Agreed Value of the Leased
is installed, subject always to the maximum Agreed Value hereon not being exceeded & benefits of salvage to the Insurers
old Harmless Agreement, Waivers of Subrogration, Breach of Warranty Assingments,
and Contractual Agreements and New Agreements entered into by the Original Insured during the
entered into in pursuance of the Insurers usual business operations.
New aircraft leases subject to AVN 67B or amendment thereto or replacement thereof.
(v) Agree to include Liability Coverage including Bodily Injury/Property Damage to any charter or cu
employess) who are included as additional /joint Assureds under the original policy.
(vi) Coverage includes Civil Aviation Authority, India mandatory requirements.
(vii) Agree to include all Insurance provisions as included within the purchase agreement between ………
(viii) Agree to include ……………… as an Additional Insured for their respective rights and interests.
(viii) Agree to include all Insurance provisions as included within the Sale and Operating Lease Back
Owner :……………………………………………………, Lessor :……………………….., Lessee : ……………………………
(viii) Insurers agree to Waiver of Subrogation in favour of ……………….. and/or their affiliated companies.
Ownership Liability for any type of Aircraft up to Policy Limits hereon, subject to
(x) Wherever the words ‘Insured’ and ‘Assured’ appear herein they shall be deemed to be synonymous, and
s’ appear they shall also be deemed to be synonymous.
ALL OTHER TERMS, CONDITIONS, LIMITATIONS AND EXCLUSIONS REMAIN UNCHANGED.
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED
1. This policy excludes loss, damage or expense arising from any of the following countries and
a) Cabinda, Burundi, Central African Republic, Congo, Democratic Republic of Congo, Eritrea, Ethiopia, Ivory Coast,
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(ii) In the event that an Aircraft insured hereon is fitted with a leased Engine(s), the Agreed Value of the Aircraft to
attached is automatically increased by the Agreed Value of the Leased Engine(s) for the period it
& benefits of salvage to the Insurers
old Harmless Agreement, Waivers of Subrogration, Breach of Warranty Assingments, Loss Payees
and Contractual Agreements and New Agreements entered into by the Original Insured during the Period of Insurance are
usual business operations.
(v) Agree to include Liability Coverage including Bodily Injury/Property Damage to any charter or customers (including their
n the purchase agreement between ……… and …………
(viii) Agree to include ……………… as an Additional Insured for their respective rights and interests.
(viii) Agree to include all Insurance provisions as included within the Sale and Operating Lease Back Agreement between,
Lessee : ……………………………
(viii) Insurers agree to Waiver of Subrogation in favour of ……………….. and/or their affiliated companies.
of Aircraft up to Policy Limits hereon, subject to passenger seating
(x) Wherever the words ‘Insured’ and ‘Assured’ appear herein they shall be deemed to be synonymous, and wherever the words
ALL OTHER TERMS, CONDITIONS, LIMITATIONS AND EXCLUSIONS REMAIN UNCHANGED.
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED
the following countries and
Eritrea, Ethiopia, Ivory Coast,
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
b) Colombia, Ecuador, Peru.
c) Checheno / Ingushskaya and Nagorna- Kara
d) Iraq, Syria
e) Any operations where the operations of the insured aircraft is in breach of United Nations sanctions.
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within
performed in accordance with I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct consequence and
force majeure subject advice to Underwriters within 72 hours.
3. Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Karabakh
e) Any operations where the operations of the insured aircraft is in breach of United Nations sanctions.
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within an internationally recognised air
performed in accordance with I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct consequence and
advice to Underwriters within 72 hours.
3. Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
e) Any operations where the operations of the insured aircraft is in breach of United Nations sanctions.
an internationally recognised air corridor and is
b) in circumstances where an insured Aircraft has landed in an excluded as a direct consequence and exclusively as a result of
3. Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only prior to flight.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
PASSENGER VOLUNTARY SETTLEMENT ENDORSEMENT
1. In consideration of ‘Nil’ additional premium
legal liability of the Named Insured offer settlement on the basis of the benefits hereinafter set forth in respect of
bodily injury sustained by any passenger caused by an Accident pr
causing such bodily injury the Passenger Liability Section of the Policy is effective in respect of such accident.
2. LIMITS OF SETTLEMENT
For death or for total loss of two limbs or total loss of sight of two eyes
(or any combination thereof) the amount offered shall not exceed the amount expressed as the
passenger" shown below; or For total loss of one limb or total loss of
of the amount expressed as the limit of settlement for "each passenger" shown below.
by loss of limbs or sight the amount offered shall not exceed the
passengershown below. Subject to the limit for "each passenger" the total of the amounts which the Insurers shall offer on
account of bodily injury sustained by two or more passengers in any one acciden
as the limit of settlement for "each accident" shown below.
3. DEFINITIONS
“ACCIDENT” means any one accident or series of accidents arising out of one event.
"LOSS OF A LIMB" means loss by physical separation of a
"TOTAL LOSS OF SIGHT" means loss of sight which is certified as being entire and irrecoverable by a licensed
ophthalmologist.
"PERMANENT TOTAL DISABLEMENT" means disablement which has for twelv
necessarily and continuously disabled the passenger from attending to business or occupation of any
no business or occupation confined him immediately and continuously to the house
his usual duties (if any) and at the expiry of that twelve months
4. ADDITIONAL EXCLUSIONS
The Insurers shall not be liable under the terms of this Endorsement
(a) for any payment which may be used to satisfy that obligation for which the Insured or any Company as his
held liable under workers compensation, employers liability, unemployment compensation
similar law;
(b) for bodily injury to any passenger caused by his suicide or attempted suicide or intentional self
criminal or felonious act or by his own act whilst in a state of insanity or intoxication;
c) for bodily injury to any passenger caused by disease or natur
treatment is rendered necessary by bodily injury caused by Accident within the scope of
(d) for bodily injury to any passenger carried for hire or reward;
(e) for bodily injury to any member of the flight or cabin crew.
5. ADDITIONAL CONDITIONS
(a) The Insured shall furnish, as soon as practicable after each request from the Insurers, reasonably
pertaining to injury sustained by passengers. In the event
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
PASSENGER VOLUNTARY SETTLEMENT ENDORSEMENT
1. In consideration of ‘Nil’ additional premium it is agreed that the Insurers will at the request of and regardless of
legal liability of the Named Insured offer settlement on the basis of the benefits hereinafter set forth in respect of
bodily injury sustained by any passenger caused by an Accident provided that at the time of such Accident
causing such bodily injury the Passenger Liability Section of the Policy is effective in respect of such accident.
For death or for total loss of two limbs or total loss of sight of two eyes or total loss of one limb and total loss of
(or any combination thereof) the amount offered shall not exceed the amount expressed as the limit of settlement for "each
For total loss of one limb or total loss of sight of one eye the amount offered shall not exceed one half
amount expressed as the limit of settlement for "each passenger" shown below. For permanent total disablement other than
by loss of limbs or sight the amount offered shall not exceed the amount expressed as the limit of settlement for "each
Subject to the limit for "each passenger" the total of the amounts which the Insurers shall offer on
bodily injury sustained by two or more passengers in any one accident shall not exceed the amount expressed
as the limit of settlement for "each accident" shown below.
“ACCIDENT” means any one accident or series of accidents arising out of one event.
"LOSS OF A LIMB" means loss by physical separation of a hand at or above the wrist or of a foot at or above
"TOTAL LOSS OF SIGHT" means loss of sight which is certified as being entire and irrecoverable by a licensed
"PERMANENT TOTAL DISABLEMENT" means disablement which has for twelve months from the date of the
necessarily and continuously disabled the passenger from attending to business or occupation of any
no business or occupation confined him immediately and continuously to the house and prevented him from attending to any of
his usual duties (if any) and at the expiry of that twelve months period being beyond hope of improvement.
The Insurers shall not be liable under the terms of this Endorsement
which may be used to satisfy that obligation for which the Insured or any Company as his
held liable under workers compensation, employers liability, unemployment compensation or disability benefits law or any
injury to any passenger caused by his suicide or attempted suicide or intentional self-injury or own
criminal or felonious act or by his own act whilst in a state of insanity or intoxication;
c) for bodily injury to any passenger caused by disease or natural causes, or medical or surgical treatment
treatment is rendered necessary by bodily injury caused by Accident within the scope of this Endorsement);
(d) for bodily injury to any passenger carried for hire or reward;
ry to any member of the flight or cabin crew.
(a) The Insured shall furnish, as soon as practicable after each request from the Insurers, reasonably
pertaining to injury sustained by passengers. In the event of death immediate notice must be sent to the Insurers.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
it is agreed that the Insurers will at the request of and regardless of
legal liability of the Named Insured offer settlement on the basis of the benefits hereinafter set forth in respect of
ovided that at the time of such Accident
causing such bodily injury the Passenger Liability Section of the Policy is effective in respect of such accident.
or total loss of one limb and total loss of sight of one eye
limit of settlement for "each
sight of one eye the amount offered shall not exceed one half
For permanent total disablement other than
amount expressed as the limit of settlement for "each
Subject to the limit for "each passenger" the total of the amounts which the Insurers shall offer on
t shall not exceed the amount expressed
hand at or above the wrist or of a foot at or above the ankle.
"TOTAL LOSS OF SIGHT" means loss of sight which is certified as being entire and irrecoverable by a licensed
e months from the date of the accident
and every kind or if he has
ented him from attending to any of
period being beyond hope of improvement.
which may be used to satisfy that obligation for which the Insured or any Company as his insurer may be
or disability benefits law or any
injury or own
al causes, or medical or surgical treatment (except where such
this Endorsement);
(a) The Insured shall furnish, as soon as practicable after each request from the Insurers, reasonably obtainable information
notice must be sent to the Insurers.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(b) In consideration of any settlement under the provisions of this Endorsement and as a condition
Insurers shall be provided with a full legal release for all claims for damag
protected by this Policy from the injured passenger
injured passenger or any person claiming by, through or under him shall fail to
the date of offering the voluntary settlement under the provisions of this Endorsement or to execute the
the Insurers may, at their option, withdraw the offered voluntary settlement,
Insurers will no longer be bound by the undertakings
voluntary settlement being made in respect of any passenger any claim suit or demand is made o
for damages on account of such bodily injury, such claim suit or demand shall be considered as refusal to
settlement and the obligations of the Insurers as expressed in the Passenger
Endorsement is attached, shall be available as fully and
Limits of Settlement
Each Passenger Each Accident
US$ ………………. US$ ……………..
It is understood and agreed that, except as specifically provided in the foregoing to the contrary, this Endorsement is
subject to the terms, exclusions, conditions and limitations of the policy to which it is attached.
AVN34A 30.4.02
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(b) In consideration of any settlement under the provisions of this Endorsement and as a condition
Insurers shall be provided with a full legal release for all claims for damages against the Insured and/or any other party(ies)
protected by this Policy from the injured passenger and/or any person having a cause of action for such bodily injury. If the
person claiming by, through or under him shall fail to accept in writing within thirty (30) days from
date of offering the voluntary settlement under the provisions of this Endorsement or to execute the
the Insurers may, at their option, withdraw the offered voluntary settlement, without notice, in which circumstances the
Insurers will no longer be bound by the undertakings expressed in the preceding paragraphs. If subsequent to an offer of
respect of any passenger any claim suit or demand is made or prosecuted against the Insured
damages on account of such bodily injury, such claim suit or demand shall be considered as refusal to
settlement and the obligations of the Insurers as expressed in the Passenger Liability Section of the policy to which this
Endorsement is attached, shall be available as fully and completely as if this Endorsement had not been issued.
Accident
US$ ……………..
except as specifically provided in the foregoing to the contrary, this Endorsement is
subject to the terms, exclusions, conditions and limitations of the policy to which it is attached.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(b) In consideration of any settlement under the provisions of this Endorsement and as a condition precedent thereto, the
against the Insured and/or any other party(ies)
and/or any person having a cause of action for such bodily injury. If the
accept in writing within thirty (30) days from
date of offering the voluntary settlement under the provisions of this Endorsement or to execute the necessary release then
thout notice, in which circumstances the
expressed in the preceding paragraphs. If subsequent to an offer of
r prosecuted against the Insured
damages on account of such bodily injury, such claim suit or demand shall be considered as refusal to accept such voluntary
of the policy to which this
completely as if this Endorsement had not been issued.
except as specifically provided in the foregoing to the contrary, this Endorsement is
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy (or, in
respect of installment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters by the 61
in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel this
the Insured via the broker in writing. In the event of cancellation, premium is due to
period that Underwriters are on risk but the full policy premium shall be payable to Underwriters
occurrence prior to the date of termination which gives rise to a valid claim under this p
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the broker. I
premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shall automatically
revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
under this clause on their own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
unenforceable, such invalidity or unenforceability will not affect th
force and effect.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
PREMIUM PAYMENT CLAUSE
LSW 3000 AMENDED
Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy (or, in
If the premium due under this policy has not been so paid to Underwriters by the 61st day from the inception of this
in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel this
the Insured via the broker in writing. In the event of cancellation, premium is due to Underwriters on
period that Underwriters are on risk but the full policy premium shall be payable to Underwriters
occurrence prior to the date of termination which gives rise to a valid claim under this policy.
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the broker. I
premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shall automatically
revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will remain in
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy (or, in
rom the inception of this policy (and,
in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel this policy by notifying
Underwriters on a pro rata basis for the
period that Underwriters are on risk but the full policy premium shall be payable to Underwriters in the event of a loss or
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the broker. If
premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shall automatically be
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise rights
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
e other provisions of this clause which will remain in full
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(Applicable combined to Hulls and Liabilities)
1. The insurance afforded by this Policy is automatically extended to include at pro rata additional
Aircraft added during the currency of this Policy provided such Aircraft are owned or operated by the Assured
are of the same type and value as Aircraft already covered hereunder and of no greater seating capacity.
2. The inclusion of additional Aircraft of other types or different values or greater seating capacity shall be subject
to special agreement and rating by Underwriters prior to attachment.
3. Under the Aircrfat loss or physical damage Section, aircraft which have been sold o
from this Policy and the Insured shall be entitled to pro rata return of premium provided no claim has
become payable under this Policy in respect of such Aircraft, and that this Policy is not cancelled by
deletion.
4. Under the Liability Section(s) of this Policy, Aircraft which have been sold or disposed of shall be deleted fro
policy and the Insured shall be entitled to pro
ALWAYS PROVIDED THAT:-
(i) Notwithstanding the foregoing provisions for additions and deletions the premium in respect of each
period of Flight Risk Insurance on any Aircraft covered during the currency of this Policy shall
than fifteen days' pro rata premium.
(ii) In the event of a claim arising in respect of any Aircraft added hereto being settled on a total loss basis
months premium shall be paid hereunder in respect of such Aircraft.
(iii) Notice of the addition or deletion of any Aircraft under the
be given to the Underwriters or their representatives in writing within ten days of
18.03.2002
AVN19A
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ADDITIONS AND DELETIONS
(Applicable combined to Hulls and Liabilities)
1. The insurance afforded by this Policy is automatically extended to include at pro rata additional
Aircraft added during the currency of this Policy provided such Aircraft are owned or operated by the Assured
are of the same type and value as Aircraft already covered hereunder and of no greater seating capacity.
additional Aircraft of other types or different values or greater seating capacity shall be subject
to special agreement and rating by Underwriters prior to attachment.
3. Under the Aircrfat loss or physical damage Section, aircraft which have been sold or disposed of shall be
from this Policy and the Insured shall be entitled to pro rata return of premium provided no claim has
become payable under this Policy in respect of such Aircraft, and that this Policy is not cancelled by
4. Under the Liability Section(s) of this Policy, Aircraft which have been sold or disposed of shall be deleted fro
policy and the Insured shall be entitled to pro - rata return of premium.
ng the foregoing provisions for additions and deletions the premium in respect of each
period of Flight Risk Insurance on any Aircraft covered during the currency of this Policy shall
In the event of a claim arising in respect of any Aircraft added hereto being settled on a total loss basis
months premium shall be paid hereunder in respect of such Aircraft.
(iii) Notice of the addition or deletion of any Aircraft under the provisions of Paragraphs 1, 3 and 4
be given to the Underwriters or their representatives in writing within ten days of attachment or deletion.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
1. The insurance afforded by this Policy is automatically extended to include at pro rata additional premium further
Aircraft added during the currency of this Policy provided such Aircraft are owned or operated by the Assured and
are of the same type and value as Aircraft already covered hereunder and of no greater seating capacity.
additional Aircraft of other types or different values or greater seating capacity shall be subject
r disposed of shall be deleted
from this Policy and the Insured shall be entitled to pro rata return of premium provided no claim has arisen and
become payable under this Policy in respect of such Aircraft, and that this Policy is not cancelled by virtue of such
4. Under the Liability Section(s) of this Policy, Aircraft which have been sold or disposed of shall be deleted from this
ng the foregoing provisions for additions and deletions the premium in respect of each separate
period of Flight Risk Insurance on any Aircraft covered during the currency of this Policy shall in no case be less
In the event of a claim arising in respect of any Aircraft added hereto being settled on a total loss basis full twelve
provisions of Paragraphs 1, 3 and 4 respectively shall
attachment or deletion.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
NUCLEAR RISKS EXCLUSION CLAUSE
1. This Policy does not cover:
(i) loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting
arising therefrom or any consequential loss
(ii) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear
component thereof;
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other
properties of, any other radioactive material in the course of carriage as cargo, including storage
incidental thereto;
(c) ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
of, any other radioactive source whatsoever.
2. It is understood and agreed that such radioactive material or other radioactive source in paragraph 1(b) and (c)
above shall not include:
(i) depleted uranium and natural uranium in any form;
(ii) radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific,
medical, agricultural, commercial, educational or industrial purpose.
3. This Policy, however, does not cover loss of or destruction of or damage to any prop
or any legal liability of whatsoever nature with respect to which:
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance policy,
including any nuclear energy liability policy;
(ii) any person or organization is required to maintain financial protection pursuant to legislation in any country;
or
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification from
any government or agency thereof.
4. Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph 2 shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy) be
covered, provided that:
(i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including
storage or handling incidental thereto, such carriage shall in all respects have complied with the full
International Civil Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it
shall in all respects have complied with such legislation;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
NUCLEAR RISKS EXCLUSION CLAUSE
of or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting
arising therefrom or any consequential loss
(ii) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other
properties of, any other radioactive material in the course of carriage as cargo, including storage
(c) ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
of, any other radioactive source whatsoever.
2. It is understood and agreed that such radioactive material or other radioactive source in paragraph 1(b) and (c)
(i) depleted uranium and natural uranium in any form;
isotopes which have reached the final stage of fabrication so as to be usable for any scientific,
medical, agricultural, commercial, educational or industrial purpose.
3. This Policy, however, does not cover loss of or destruction of or damage to any property or any consequential loss
or any legal liability of whatsoever nature with respect to which:
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance policy,
including any nuclear energy liability policy; or
(ii) any person or organization is required to maintain financial protection pursuant to legislation in any country;
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification from
4. Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph 2 shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy) be
(i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including
storage or handling incidental thereto, such carriage shall in all respects have complied with the full
Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it
shall in all respects have complied with such legislation;
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
of or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other hazardous
properties of, any other radioactive material in the course of carriage as cargo, including storage or handling
(c) ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous properties
2. It is understood and agreed that such radioactive material or other radioactive source in paragraph 1(b) and (c)
isotopes which have reached the final stage of fabrication so as to be usable for any scientific,
erty or any consequential loss
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance policy,
(ii) any person or organization is required to maintain financial protection pursuant to legislation in any country;
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification from
4. Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph 2 shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy) be
(i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including
storage or handling incidental thereto, such carriage shall in all respects have complied with the full
Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
Goods by Air", unless the carriage shall have been subject to any more restrictive legislation, when it
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(ii) this Policy shall only apply to an incident happening during the period of this Policy and where any
Insured against the Insurers or by any claimant against the Insured arising out of such
within three years after the date thereof;
(iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft
caused by or contributed to by radioactive contamination the level of such contamination shall have
exceeded the maximum permissible level set out in the following scale:
Emitter
(IAEA Health and Safety Regulations)
Beta, gamma and low toxicity alpha emitters
All other emitters
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of
22/7/96
AVN38B
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
olicy shall only apply to an incident happening during the period of this Policy and where any
Insured against the Insurers or by any claimant against the Insured arising out of such incident shall have been made
(iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft
caused by or contributed to by radioactive contamination the level of such contamination shall have
vel set out in the following scale:
(IAEA Health and Safety Regulations)
Maximum permissible level of non-fixed radioactive
surface contamination (Averaged over 300 cm2)
Beta, gamma and low toxicity alpha emitters Not exceeding 4 Bequerels/cm2 (10-4 microcuries/cm2)
Not exceeding 0.4 Bequerels/cm2 (10-5 microcuries/cm2)
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
olicy shall only apply to an incident happening during the period of this Policy and where any claim by the
incident shall have been made
(iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft
caused by or contributed to by radioactive contamination the level of such contamination shall have
fixed radioactive
surface contamination (Averaged over 300 cm2)
microcuries/cm2)
microcuries/cm2)
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of cancellation.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
(Not applicable to Cargo Legal Liability)
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated
(b) pollution and contamination of any kind whatsoever,
(c) electrical and electromagnetic interference,
(d) interference with the use of property;
unless caused by or resulting in a crash fire explosion or collision or a recorded in
abnormal aircraft operation.
2. With respect to any provision in the Policy concerning any duty of Underwriters to investigate or defend claims,
such provision shall not apply and Underwriters shall not be required to defend
(a) claims excluded by Paragraph 1 or
(b) a claim or claims covered by the Policy when combined with any claims excluded by Paragraph 1
(referred to below as "Combined Claims").
3. In respect of any Combined Claims, Underwriters shall (subject to proof of loss and the limits of the Policy)
Insured for that portion of the following items which may be allocated to the claims covered by the
(i) damages awarded against the Insured and
(ii) defence fees and expenses incurred by the Insured.
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming
Policy.
Amended
Notwithstanding the above this clause
a. Shall not apply to liability in respect of passengers, baggage, cargo & mail
01/10/96
AVN 46B (Amended)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
(Not applicable to Cargo Legal Liability)
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:
ear or not), vibration, sonic boom and any phenomena associated
(b) pollution and contamination of any kind whatsoever,
(c) electrical and electromagnetic interference,
a crash fire explosion or collision or a recorded in-flight emergency causing
2. With respect to any provision in the Policy concerning any duty of Underwriters to investigate or defend claims,
nd Underwriters shall not be required to defend
(b) a claim or claims covered by the Policy when combined with any claims excluded by Paragraph 1
Claims, Underwriters shall (subject to proof of loss and the limits of the Policy)
Insured for that portion of the following items which may be allocated to the claims covered by the Policy:
(i) damages awarded against the Insured and
efence fees and expenses incurred by the Insured.
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming
iability in respect of passengers, baggage, cargo & mail
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:-
ear or not), vibration, sonic boom and any phenomena associated therewith,
flight emergency causing
2. With respect to any provision in the Policy concerning any duty of Underwriters to investigate or defend claims,
Claims, Underwriters shall (subject to proof of loss and the limits of the Policy) reimburse the
Policy:
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming part of this
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
WAR, HI-JACKING AND OTHER PERILS EXCLUSION CLAUSE
This Policy does not cover claims caused by
(a) War, invasion, acts of foreign enemies, hostilities
insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion
radioactive force or matter.
(c) Strikes, riots, civil commotions or labour disturbances.
(d) Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist
the loss or damage resulting therefrom is accidental or intentional.
(e) Any malicious act or act of sabotage.
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or
any Government (whether civil military or de facto) or public or local authority.
(g) Hi-jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
such seizure or control) made by any person or persons on bo
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by reason of
the above perils. The Aircraft shall be deemed to have been res
to the Insured at an airfield not excluded by the geographical limits of this Policy, and entirely
Aircraft (such safe return shall require that the Ai
01/10/96
AVN48B
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
JACKING AND OTHER PERILS EXCLUSION CLAUSE
(AVIATION)
(a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion
(c) Strikes, riots, civil commotions or labour disturbances.
(d) Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist
r damage resulting therefrom is accidental or intentional.
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or
ether civil military or de facto) or public or local authority.
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
such seizure or control) made by any person or persons on board the Aircraft acting without the consent of the Insured.
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by reason of
the above perils. The Aircraft shall be deemed to have been restored to the control of the Insured on the safe
to the Insured at an airfield not excluded by the geographical limits of this Policy, and entirely suitable for the operation of the
Aircraft (such safe return shall require that the Aircraft be parked with engines shut down and under no duress).
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
JACKING AND OTHER PERILS EXCLUSION CLAUSE
(whether war be declared or not), civil war, rebellion, revolution,
(b) Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or
(d) Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist purposes and whether
(f) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under the order of
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any attempt at
acting without the consent of the Insured.
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by reason of any of
tored to the control of the Insured on the safe return of the Aircraft
suitable for the operation of the
down and under no duress).
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
EXTENDED COVERAGE ENDORSEMENT (AVIATION LIABILITIES)
1. WHEREAS the Policy of which this Endorsement forms part includes the War, Hi
(Clause AVN48B), IN CONSIDERATION of an Additional Premium (included), it is hereby
effect from inception, all sub-paragraphs other than (b) of Clause AVN48B forming
all terms and conditions of this Endorsement.
2. EXCLUSION applicable only to any cover extended in respect of the deletion of sub
shall not include liability for damage to any form of property on the ground situated outside C
America unless caused by or arising out of the use of aircraft.
3. LIMITATION OF LIABILITY
The limit of Insurer’s liability in respect of the coverage provided by this Endorsement shall be a sub
……. or the applicable Policy limit whichever is less Any One Occurrence and in the Annual aggregate
passengers to whom the full Policy limit(s) shall apply. This sub
addition thereto.
4. AUTOMATIC TERMINATION
To the extent provided below, cover extended by this Endorsement shall TERMINATE AUTOMATICALLY in the
circumstances:
(i) All cover
upon the outbreak of war (whether there be a declaration of war or not) between any two
France, the People's Republic of China, the Russian Federation, the United Kingdom,
(ii) Any cover extended in respect of the deletion of sub
any weapon of war employing atomic or nuclear fission and/or fusion or other like
wheresoever or whensoever such detonation may occur and whether or
(iii) All cover in respect of any of the Insured Aircraft requisitioned for either title or use
Upon such requisition
PROVIDED THAT if an Insured Aircraft is in the air when (i), (ii) or (iii) occurs, then the cover provided by this
(unless otherwise cancelled, terminated or suspended) shall continue in respect of such an Aircraft
landing thereafter and any passengers have disembarked.
5. REVIEW AND CANCELLATION
(a) Review of Premium and/or Geographical Limits (7 days)
Insurers may give notice to review premium and/or geographical limits
days from 23.59 hours GMT on the day on which notice is given.
(b) Limited Cancellation (48 hours)
Following a hostile detonation as specified in 3.(ii) above, Underwriters may give notice of cancellation of one or
the cover provided by paragraph 1. of this Endorsement by reference to sub
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
EXTENDED COVERAGE ENDORSEMENT (AVIATION LIABILITIES)
1. WHEREAS the Policy of which this Endorsement forms part includes the War, Hi-Jacking and Other Perils
(Clause AVN48B), IN CONSIDERATION of an Additional Premium (included), it is hereby understood and agreed that with
paragraphs other than (b) of Clause AVN48B forming part of this Policy are deleted SUBJECT TO
s and conditions of this Endorsement.
2. EXCLUSION applicable only to any cover extended in respect of the deletion of sub-paragraph (a) of Clause
shall not include liability for damage to any form of property on the ground situated outside Canada and the
America unless caused by or arising out of the use of aircraft.
The limit of Insurer’s liability in respect of the coverage provided by this Endorsement shall be a sub
applicable Policy limit whichever is less Any One Occurrence and in the Annual aggregate
passengers to whom the full Policy limit(s) shall apply. This sub-limit shall apply within the full
To the extent provided below, cover extended by this Endorsement shall TERMINATE AUTOMATICALLY in the
upon the outbreak of war (whether there be a declaration of war or not) between any two or more of the
France, the People's Republic of China, the Russian Federation, the United Kingdom, the United States of America
Any cover extended in respect of the deletion of sub-paragraph (a) of Clause AVN48B upon the host
any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
wheresoever or whensoever such detonation may occur and whether or not the Insured Aircraft may be involved
l cover in respect of any of the Insured Aircraft requisitioned for either title or use
PROVIDED THAT if an Insured Aircraft is in the air when (i), (ii) or (iii) occurs, then the cover provided by this
cancelled, terminated or suspended) shall continue in respect of such an Aircraft until completion of its first
landing thereafter and any passengers have disembarked.
(a) Review of Premium and/or Geographical Limits (7 days)
nsurers may give notice to review premium and/or geographical limits - such notice to become effective on the
days from 23.59 hours GMT on the day on which notice is given.
as specified in 3.(ii) above, Underwriters may give notice of cancellation of one or
the cover provided by paragraph 1. of this Endorsement by reference to sub-paragraphs (c), (d), (e), (f) and/or (g) of Clause
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
EXTENDED COVERAGE ENDORSEMENT (AVIATION LIABILITIES)
Jacking and Other Perils Exclusion Clause
understood and agreed that with
part of this Policy are deleted SUBJECT TO
paragraph (a) of Clause AVN48B Cover
anada and the United States of
The limit of Insurer’s liability in respect of the coverage provided by this Endorsement shall be a sub-limit of US$ ……………
applicable Policy limit whichever is less Any One Occurrence and in the Annual aggregate except with respect to
limit shall apply within the full Policy limits and not in
To the extent provided below, cover extended by this Endorsement shall TERMINATE AUTOMATICALLY in the following
or more of the following States, namely,
the United States of America
upon the hostile detonation of
reaction or radioactive force or matter
not the Insured Aircraft may be involved
PROVIDED THAT if an Insured Aircraft is in the air when (i), (ii) or (iii) occurs, then the cover provided by this Endorsement
until completion of its first
such notice to become effective on the expiry of seven
as specified in 3.(ii) above, Underwriters may give notice of cancellation of one or more parts of
(e), (f) and/or (g) of Clause
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
AVN48B - such notice to become effective on the expiry of forty
is given.
(c) Cancellation (7 days)
The cover provided by this Endorsement may be cancelled by either Underwriters or the Insured giving notice to
on the expiry of seven days from 23.59 hours GMT on the day on which such notice is given.
(d) Notices
All notices referred to herein shall be in writing.
21/09/2001
AVN52E
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
effective on the expiry of forty-eight hours from 23.59 hours GMT on the day on which notice
The cover provided by this Endorsement may be cancelled by either Underwriters or the Insured giving notice to
on the expiry of seven days from 23.59 hours GMT on the day on which such notice is given.
All notices referred to herein shall be in writing.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
23.59 hours GMT on the day on which notice
The cover provided by this Endorsement may be cancelled by either Underwriters or the Insured giving notice to become effective
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
In respect of claims adjusted on the basis of a total
stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the
together with all appropriate documents appertain
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall retain
the right to repair, replace or make good as they deem
AVN61 1.10.96
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AGREED VALUE CLAUSE
In respect of claims adjusted on the basis of a total loss Insurers shall pay to the Insured the Agreed Value of the
stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the
together with all appropriate documents appertaining thereto, but in no event shall there be any abandonment to Insurers.
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall retain
the right to repair, replace or make good as they deem expedient.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
loss Insurers shall pay to the Insured the Agreed Value of the Aircraft as
stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the salvage of such Aircraft,
abandonment to Insurers.
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall retain
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Contracts (Rights of Third Parties) Act 1999 Exclusion Clause
The rights of a person who is not a party to this insurance or reinsurance to enforce a terms of this insurance or
reinsurance and/or not to have this insurance or
virtue of the provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this insurance or
reinsurance.
9.2.2000
AVN72
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Contracts (Rights of Third Parties) Act 1999 Exclusion Clause
The rights of a person who is not a party to this insurance or reinsurance to enforce a terms of this insurance or
reinsurance and/or not to have this insurance or reinsurance rescinded, varied or altered without his consent by
the provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this insurance or
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Contracts (Rights of Third Parties) Act 1999 Exclusion Clause
The rights of a person who is not a party to this insurance or reinsurance to enforce a terms of this insurance or
reinsurance rescinded, varied or altered without his consent by
the provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this insurance or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SUPPLEMENTARY PAYMENTS CLAUSE
It is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
havenot been identified below.
The Insurers agree to indemnify the Insured for
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
hereunder determined to be missing and unreported after the computed maximum endurance of the
exceeded;
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
damage because of malfunction or suspected malfunction of an Aircraft insured hereunder;
(c) any reasonable expenses incurred for the purpose of attempted or actual raising, removal, disposal or
of the wreck of an Aircraft insured hereunder and the contents thereof;
(d) any reasonable expenses which the Insured may be called upon to pay in respect of
by the Civil Aviation Authority or any other relevant
hereunder.
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured hereon.
Coverage is provided under paragraphs (a), (b), (c) (d) and (e) above.
Provided always that Insurers' liability shall not exceed USD ……………… in the aggregate in respect of each
paragraph, in addition to the sum insured.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
SUPPLEMENTARY PAYMENTS CLAUSE
AVN76 AMENDED
is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
The Insurers agree to indemnify the Insured for
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
hereunder determined to be missing and unreported after the computed maximum endurance of the
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
damage because of malfunction or suspected malfunction of an Aircraft insured hereunder;
incurred for the purpose of attempted or actual raising, removal, disposal or
of the wreck of an Aircraft insured hereunder and the contents thereof;
(d) any reasonable expenses which the Insured may be called upon to pay in respect of any pub
by the Civil Aviation Authority or any other relevant authority into an Accident involving an Aircraft insured
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured hereon.
rage is provided under paragraphs (a), (b), (c) (d) and (e) above.
Provided always that Insurers' liability shall not exceed USD ……………… in the aggregate in respect of each
paragraph, in addition to the sum insured.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
hereunder determined to be missing and unreported after the computed maximum endurance of the flight has been
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
incurred for the purpose of attempted or actual raising, removal, disposal or destruction
any public inquiry or inquiry
authority into an Accident involving an Aircraft insured
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured hereon.
Provided always that Insurers' liability shall not exceed USD ……………… in the aggregate in respect of each
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
MEDICAL AND RELATED EXPENSES
It is understood and agreed that this Policy is extended to pay all reasonable expenses incurred within one year
the date of accident for necessary medical, surgical, ambulance, hospital, professional nursing, repatriation
funeral expenses to or for each person who sustains bodily injury, sickness or disease, caused by accident
entering or alighting from the Aircraft if the Aircraft is being used by the Insured or with his permission.
As soon as practicable, the injured person or someone on his behalf shall give to the Insurers or any of their
representatives written proof of claim, under oath if required, and shall, after each request from the Insurers,
authorisation to enable the Insurers to obtain medic
to physical examination by physicians selected by the Insurers when and as often as the Insurers may
require.
The insurance afforded by this coverage shall be subject to a Policy
and shall be excess insurance over any other valid and collectible insurance applicable thereto.
The coverage afforded by this Clause extends to the pilot(s) and operational crew of the Aircraft.
AVN 80 09.02.01
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
MEDICAL AND RELATED EXPENSES INCLUSION CLAUSE
It is understood and agreed that this Policy is extended to pay all reasonable expenses incurred within one year
the date of accident for necessary medical, surgical, ambulance, hospital, professional nursing, repatriation
l expenses to or for each person who sustains bodily injury, sickness or disease, caused by accident
entering or alighting from the Aircraft if the Aircraft is being used by the Insured or with his permission.
injured person or someone on his behalf shall give to the Insurers or any of their
representatives written proof of claim, under oath if required, and shall, after each request from the Insurers,
authorisation to enable the Insurers to obtain medical reports and copies of records. The injured person
to physical examination by physicians selected by the Insurers when and as often as the Insurers may
The insurance afforded by this coverage shall be subject to a Policy limit of US$ ……………… in the policy
and shall be excess insurance over any other valid and collectible insurance applicable thereto.
The coverage afforded by this Clause extends to the pilot(s) and operational crew of the Aircraft.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
It is understood and agreed that this Policy is extended to pay all reasonable expenses incurred within one year from
the date of accident for necessary medical, surgical, ambulance, hospital, professional nursing, repatriation and
l expenses to or for each person who sustains bodily injury, sickness or disease, caused by accident whilst in,
entering or alighting from the Aircraft if the Aircraft is being used by the Insured or with his permission.
injured person or someone on his behalf shall give to the Insurers or any of their
representatives written proof of claim, under oath if required, and shall, after each request from the Insurers, execute
al reports and copies of records. The injured person shall submit
to physical examination by physicians selected by the Insurers when and as often as the Insurers may reasonably
limit of US$ ……………… in the policy aggregate
and shall be excess insurance over any other valid and collectible insurance applicable thereto.
The coverage afforded by this Clause extends to the pilot(s) and operational crew of the Aircraft.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DATE RECOGNITION EXCLUSION CLAUSE
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever
occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology
equipment or system (whether in the possession of the Insured or of any third party) accurately or completely to
process, exchange or transfer year, date or time data or information in connection with any change of year, date
time; whether on or before or after such change of y
(b) any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip or information technology equipment or system (whether in the possession of the Insured or of any third
in anticipation of or in response to any such change of year, date or time, or any advice given or services
in connection with an such change or modification;
(c) any non-use or unavailability for use of any property or equipment of any kind whatso
act, failure to act or decision of the Insured of any third party related to any such change of year, date or time;
any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall not apply to
claims so excluded.
14.03.2001
AVN.2000A
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
DATE RECOGNITION EXCLUSION CLAUSE
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever
by or in consequence of (whether directly or indirectly and whether wholly or partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology
her in the possession of the Insured or of any third party) accurately or completely to
process, exchange or transfer year, date or time data or information in connection with any change of year, date
whether on or before or after such change of year, date or time;
(b) any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip or information technology equipment or system (whether in the possession of the Insured or of any third
anticipation of or in response to any such change of year, date or time, or any advice given or services
in connection with an such change or modification;
use or unavailability for use of any property or equipment of any kind whatso
act, failure to act or decision of the Insured of any third party related to any such change of year, date or time;
any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall not apply to
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or
by or in consequence of (whether directly or indirectly and whether wholly or partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology
her in the possession of the Insured or of any third party) accurately or completely to
process, exchange or transfer year, date or time data or information in connection with any change of year, date or
(b) any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip or information technology equipment or system (whether in the possession of the Insured or of any third party)
anticipation of or in response to any such change of year, date or time, or any advice given or services performed
use or unavailability for use of any property or equipment of any kind whatsoever resulting from any
act, failure to act or decision of the Insured of any third party related to any such change of year, date or time; and
any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall not apply to any
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DATE RECOGNITION LIMITED COVERAGE CLAUSE
WHEREAS the Policy of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
AVN 2000A), it is hereby understood and agreed that,
Clause AVN 2000A shall not apply :
(1) to any accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
(2) to any sums which the Insured shall become legally
(including costs awarded against the Insured) in respect of :
(a) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft;
and/or
(b) loss of or damage to baggage and personal articles of passengers, mail and cargo caused by an
accidental to an Insured Aircraft; and/or
(c) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured
aircraft or by any person or object falling therefrom.
PROVIDED THAT :
1. Coverage provided pursuant to this Endorsement shall be subject to all terms, conditions, limitations,
exclusions and cancellation provisions of the Policy (except as specifically provided herein)
Endorsement extends coverage beyond that which is provided by the Policy.
2. Nothing in this Endorsement shall provide any coverage :
(a) in respect of grounding of any aircraft, and/or
(b) in respect of loss of use of any property u
accident giving rise to a claim under the Policy.
3. The Insured recognises that the Insurers consider the information provided by the Insured in the application
and/or other documentation provided, to be material to their decision to issue this Endorsement. The
agrees that it has a continuing obligation to disclose in writing to the Insurers during the Policy
additional material facts relating to the Date Recognition Conformity of the Insured’s operations,
products.
14.03.2001
AVN 2001A
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
DATE RECOGNITION LIMITED COVERAGE CLAUSE
WHEREAS the Policy of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
AVN 2000A), it is hereby understood and agreed that, subject to all terms and provisions of this Endorsement,
(1) to any accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
(2) to any sums which the Insured shall become legally liable to pay, and (if so required by the Policy) shall pay
(including costs awarded against the Insured) in respect of :
(a) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft;
mage to baggage and personal articles of passengers, mail and cargo caused by an
(c) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured
object falling therefrom.
1. Coverage provided pursuant to this Endorsement shall be subject to all terms, conditions, limitations,
exclusions and cancellation provisions of the Policy (except as specifically provided herein)
Endorsement extends coverage beyond that which is provided by the Policy.
2. Nothing in this Endorsement shall provide any coverage :
(a) in respect of grounding of any aircraft, and/or
(b) in respect of loss of use of any property unless it arises out of physical damage to or destruction of
accident giving rise to a claim under the Policy.
3. The Insured recognises that the Insurers consider the information provided by the Insured in the application
other documentation provided, to be material to their decision to issue this Endorsement. The
agrees that it has a continuing obligation to disclose in writing to the Insurers during the Policy
to the Date Recognition Conformity of the Insured’s operations,
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
WHEREAS the Policy of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
subject to all terms and provisions of this Endorsement,
(1) to any accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
liable to pay, and (if so required by the Policy) shall pay
(a) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft;
mage to baggage and personal articles of passengers, mail and cargo caused by an
(c) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured
1. Coverage provided pursuant to this Endorsement shall be subject to all terms, conditions, limitations, warranties,
exclusions and cancellation provisions of the Policy (except as specifically provided herein), and nothing in this
nless it arises out of physical damage to or destruction of property in the
3. The Insured recognises that the Insurers consider the information provided by the Insured in the application form,
other documentation provided, to be material to their decision to issue this Endorsement. The Insured further
agrees that it has a continuing obligation to disclose in writing to the Insurers during the Policy period any
to the Date Recognition Conformity of the Insured’s operations, equipment and
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
ASBESTOS EXCLUSION CLAUSE
This policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or
of:
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
containing, or alleged to contain, asbestos; or
2. any obligation, request, demand, order, or statutory or regulatory requirem
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to conta
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion or collision or a
flight emergency causing abnormal aircraft operation.
Notwithstanding any other provisions of this Policy, I
respect of any claim excluded in whole or in part under paragraphs 1 or 2 hereof.
2488AGM00003
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ASBESTOS EXCLUSION CLAUSE
This policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
containing, or alleged to contain, asbestos; or
2. any obligation, request, demand, order, or statutory or regulatory requirement that any Insured or others test for,
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to conta
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion or collision or a
flight emergency causing abnormal aircraft operation.
Notwithstanding any other provisions of this Policy, Insurers will have no duty to investigate, defend or pay defence
respect of any claim excluded in whole or in part under paragraphs 1 or 2 hereof.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
This policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or in consequence
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
ent that any Insured or others test for,
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to contain, asbestos.
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion or collision or a recorded in-
nsurers will have no duty to investigate, defend or pay defence costs in
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
LIABILITY TO PILOTS AND CREW CLAUSE
It is understood and agreed that notwithstanding any exclusion specifically relating to pilots and operational crew in the
Section of this Policy covering the liability of the Insured to passengers, such coverage shall extend to include the
Insured to the pilots and operational crew of the insured Aircraft, but excluding liability required to be
of any employers' liability or workman's compensation legislation or any similar legislation.
AVN 73 09.02.01
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
LIABILITY TO PILOTS AND CREW CLAUSE
notwithstanding any exclusion specifically relating to pilots and operational crew in the
Section of this Policy covering the liability of the Insured to passengers, such coverage shall extend to include the
tional crew of the insured Aircraft, but excluding liability required to be
of any employers' liability or workman's compensation legislation or any similar legislation.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
notwithstanding any exclusion specifically relating to pilots and operational crew in the
Section of this Policy covering the liability of the Insured to passengers, such coverage shall extend to include the liability of the
tional crew of the insured Aircraft, but excluding liability required to be insured under the terms
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
The Sections of this Policy covering bodily injury liability, including to passengers, and property damage
liability are extended to cover, as if he/ she were the Insured, any pilot authorized by the Insured under
the terms of the Policy in respect of injury or damage ari
in the Schedule to the Policy, but not so as to increase the liability of Insurers beyond the amount which
would otherwise have been payable under this Policy had liability been incurred by the Insured.
Provided always that
1. At the time of any accident giving rise to a claim under this Clause the said pilot
a) shall as though he/ she were the Insured, observe, fulfil and be subject to the terms,conditions and
exclusions contained in the Policy, and
b) is not entitled to indemnity under any other policy.
2. There shall be no indemnity under this Clause in respect of claims made against the pilot by the
and / or with respect to the Aircraft described in the Schedule to the Policy.
AVN 74 9.2.01
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
PILOT INDEMNITY CLAUSE
this Policy covering bodily injury liability, including to passengers, and property damage
liability are extended to cover, as if he/ she were the Insured, any pilot authorized by the Insured under
terms of the Policy in respect of injury or damage arising out of the operation of the Aircraft described
Schedule to the Policy, but not so as to increase the liability of Insurers beyond the amount which
otherwise have been payable under this Policy had liability been incurred by the Insured.
1. At the time of any accident giving rise to a claim under this Clause the said pilot
a) shall as though he/ she were the Insured, observe, fulfil and be subject to the terms,conditions and
exclusions contained in the Policy, and
is not entitled to indemnity under any other policy.
2. There shall be no indemnity under this Clause in respect of claims made against the pilot by the
and / or with respect to the Aircraft described in the Schedule to the Policy.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
this Policy covering bodily injury liability, including to passengers, and property damage
liability are extended to cover, as if he/ she were the Insured, any pilot authorized by the Insured under
sing out of the operation of the Aircraft described
Schedule to the Policy, but not so as to increase the liability of Insurers beyond the amount which
otherwise have been payable under this Policy had liability been incurred by the Insured.
a) shall as though he/ she were the Insured, observe, fulfil and be subject to the terms,conditions and
2. There shall be no indemnity under this Clause in respect of claims made against the pilot by the Insured
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
CARGO LEGAL LIABILITY ENDORSEMENT
This Endorsement extends the coverage provided under Section III
Deductible stated below, for legal liability in respect of accidental physical loss of
or control of the Insured, for the purpose of carriage by air.
Provided always that
1. Before accepting any cargo for the purpose of carriage by air the Insured shall take such measures (including but
not limited to the issue or acceptance of an air waybill) as are necessary to exclude or limit liability for claims in
respect of the accidental physical loss of or damage to that cargo to the extent permitted by law. In no event shall
amount of the indemnity provided by Insurers under this Endorsement exceed the amount of the legal liability, if
any, that would have existed had the Insured taken such measures.
2. The Insured shall ensure that cargo in their care, custody or control is kept in secure premi
than during transit.
Coverage provided by this Endorsement attaches from the time of acceptance of such cargo by the Insured and ceases
upon delivery by the Insured at the final destination or when handed over to a successive carrie
This Endorsement does not apply to legal liability in respect of:
1. delay or loss of market;
2. perishables and/or livestock;
3. consequential loss howsoever arising;
4. slung loads;
5. money, securities, precious stones, precious metals, jewelle
LIMIT OF INDEMNITY
US$ ……………….
DEDUCTIBLE
NIL
AVN 92 30.4.02
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
CARGO LEGAL LIABILITY ENDORSEMENT
This Endorsement extends the coverage provided under Section III - B of this Policy, subject to the Limit of Indemnity
Deductible stated below, for legal liability in respect of accidental physical loss of or damage to cargo whilst in
or control of the Insured, for the purpose of carriage by air.
1. Before accepting any cargo for the purpose of carriage by air the Insured shall take such measures (including but
limited to the issue or acceptance of an air waybill) as are necessary to exclude or limit liability for claims in
respect of the accidental physical loss of or damage to that cargo to the extent permitted by law. In no event shall
ity provided by Insurers under this Endorsement exceed the amount of the legal liability, if
any, that would have existed had the Insured taken such measures.
2. The Insured shall ensure that cargo in their care, custody or control is kept in secure premi
Coverage provided by this Endorsement attaches from the time of acceptance of such cargo by the Insured and ceases
upon delivery by the Insured at the final destination or when handed over to a successive carrier.
This Endorsement does not apply to legal liability in respect of:
5. money, securities, precious stones, precious metals, jewellery, fine art and antiques of any kind.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
B of this Policy, subject to the Limit of Indemnity and to the
or damage to cargo whilst in the care, custody
1. Before accepting any cargo for the purpose of carriage by air the Insured shall take such measures (including but
limited to the issue or acceptance of an air waybill) as are necessary to exclude or limit liability for claims in
respect of the accidental physical loss of or damage to that cargo to the extent permitted by law. In no event shall the
ity provided by Insurers under this Endorsement exceed the amount of the legal liability, if
2. The Insured shall ensure that cargo in their care, custody or control is kept in secure premises at all times other
Coverage provided by this Endorsement attaches from the time of acceptance of such cargo by the Insured and ceases
ry, fine art and antiques of any kind.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
PROFIT COMMISSION ON RENEWAL CLAUSE (ON HULL)
After expiry of this Policy and following the receipt by the Insurers of the final adjustment of all
settlement of all Aircraft loss or physical damage claims in respect of this period of insurance and subject
with the Insurers hereon, Insurers agree to return to the Insured a Profit Commission of 15% of
profit in respect of this period of insurance.
The net ascertained profit shall be calculated by deducting the 'outgo' from the 'income' as follows:
Income
70% of premium paid for Aircraft loss or physical damage coverage less all returns of premium.
Outgo
Total of settled Aircraft loss or physical damage claims and related expenses less any salvages and
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
PROFIT COMMISSION ON RENEWAL CLAUSE (ON HULL)
After expiry of this Policy and following the receipt by the Insurers of the final adjustment of all
settlement of all Aircraft loss or physical damage claims in respect of this period of insurance and subject
with the Insurers hereon, Insurers agree to return to the Insured a Profit Commission of 15% of
fit in respect of this period of insurance.
The net ascertained profit shall be calculated by deducting the 'outgo' from the 'income' as follows:
70% of premium paid for Aircraft loss or physical damage coverage less all returns of premium.
Total of settled Aircraft loss or physical damage claims and related expenses less any salvages and
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
PROFIT COMMISSION ON RENEWAL CLAUSE (ON HULL)
After expiry of this Policy and following the receipt by the Insurers of the final adjustment of all premiums due and
settlement of all Aircraft loss or physical damage claims in respect of this period of insurance and subject to renewal
with the Insurers hereon, Insurers agree to return to the Insured a Profit Commission of 15% of the net ascertained
70% of premium paid for Aircraft loss or physical damage coverage less all returns of premium.
Total of settled Aircraft loss or physical damage claims and related expenses less any salvages and recoveries.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION II – AVIATION INSURANCE
SECTION ONE: LOSS OF OR DAMAGE TO AIRCRAFT
Subject to the terms, conditions and limitations set out below, this Policy covers loss of or damage to the Aircraft
stated in the Schedule against claims excluded from the Assured’s Hull ‘‘All Risks’’ Policy as caused by:
(a) War, invasion, acts of foreign enemies, hostilities (whether war
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Strikes, riots, civil commotions or labour disturbances.
(c) Any act of one or more persons, whether or not
and whether the loss or damage resulting therefrom is accidental or intentional.
(d) Any malicious act or act of sabotage.
(e) Confiscation, nationalisation, seizure, restraint, detention,
the order of any government (whether civil, military or de facto) or public or local authority.
(f) Hi-jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without
of the Assured. For the purpose of this paragraph (f) only, an aircraft is considered to be in
the moment when all its external doors are closed following embarkation until the
opened for disembarkation or when the aircraft is in motion. A rotor
when the rotors are in motion as a result of engine power, the
Furthermore this Policy covers claims excluded from the Hull ‘‘All Risks’’ Policy from occurrences whilst the
Aircraft is outside the control of the Assured by reason of any of the a
have been restored to the control of the Assured on the safe return of the Aircraft to the Assured at an airfield not
excluded by the geographical limits of this Policy, and entirely suitable for the operation o
return shall require that the Aircraft be parked with engines shut down and under no duress).
SECTION TWO: EXTORTION AND HI
1. This Policy will also indemnify the Assured subject to the terms, conditions, exclusion
below, and up to the limit stated in the Schedule, for 90% of any payment properly made in respect of:
(a) threats against any Aircraft stated in the Schedule or its passengers or crew made during the currency
Policy.
(b) extra expenses necessarily incurred following confiscation, etcetera (as Section One clause (e)) or hijacking,
etcetera (as Section One clause (f)) of any Aircraft stated in the Schedule.
2. No cover will be provided under this Section of the Policy in
the Assured is at all times responsible for ensuring that no arrangements of any kind are made which
permitted by the proper authorities.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - HULL “WAR AND
ALLIED PERILS”
SECTION ONE: LOSS OF OR DAMAGE TO AIRCRAFT
limitations set out below, this Policy covers loss of or damage to the Aircraft
stated in the Schedule against claims excluded from the Assured’s Hull ‘‘All Risks’’ Policy as caused by:
(a) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
(b) Strikes, riots, civil commotions or labour disturbances.
(c) Any act of one or more persons, whether or not agents of a sovereign power, for political or terrorist
and whether the loss or damage resulting therefrom is accidental or intentional.
(e) Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or
the order of any government (whether civil, military or de facto) or public or local authority.
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without
of the Assured. For the purpose of this paragraph (f) only, an aircraft is considered to be in
ment when all its external doors are closed following embarkation until the moment when any such door is
opened for disembarkation or when the aircraft is in motion. A rotor-wing aircraft shall be deemed to be in flight
esult of engine power, the momentum generated therefrom, or autorotation.
Furthermore this Policy covers claims excluded from the Hull ‘‘All Risks’’ Policy from occurrences whilst the
is outside the control of the Assured by reason of any of the above perils. The Aircraft shall be deemed to
been restored to the control of the Assured on the safe return of the Aircraft to the Assured at an airfield not
excluded by the geographical limits of this Policy, and entirely suitable for the operation o
return shall require that the Aircraft be parked with engines shut down and under no duress).
SECTION TWO: EXTORTION AND HI-JACK EXPENSES
1. This Policy will also indemnify the Assured subject to the terms, conditions, exclusions and limitations set
below, and up to the limit stated in the Schedule, for 90% of any payment properly made in respect of:
(a) threats against any Aircraft stated in the Schedule or its passengers or crew made during the currency
extra expenses necessarily incurred following confiscation, etcetera (as Section One clause (e)) or hijacking,
etcetera (as Section One clause (f)) of any Aircraft stated in the Schedule.
2. No cover will be provided under this Section of the Policy in any territory where such insurance is not lawful,
the Assured is at all times responsible for ensuring that no arrangements of any kind are made which
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
HULL “WAR AND
limitations set out below, this Policy covers loss of or damage to the Aircraft
stated in the Schedule against claims excluded from the Assured’s Hull ‘‘All Risks’’ Policy as caused by:
be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
agents of a sovereign power, for political or terrorist purposes
appropriation, requisition for title or use by or under
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the consent
of the Assured. For the purpose of this paragraph (f) only, an aircraft is considered to be in flight at any time from
moment when any such door is
aircraft shall be deemed to be in flight
momentum generated therefrom, or autorotation.
Furthermore this Policy covers claims excluded from the Hull ‘‘All Risks’’ Policy from occurrences whilst the
bove perils. The Aircraft shall be deemed to
been restored to the control of the Assured on the safe return of the Aircraft to the Assured at an airfield not
excluded by the geographical limits of this Policy, and entirely suitable for the operation of the Aircraft (such safe
return shall require that the Aircraft be parked with engines shut down and under no duress).
s and limitations set out
below, and up to the limit stated in the Schedule, for 90% of any payment properly made in respect of:
(a) threats against any Aircraft stated in the Schedule or its passengers or crew made during the currency of this
extra expenses necessarily incurred following confiscation, etcetera (as Section One clause (e)) or hijacking,
any territory where such insurance is not lawful, and
the Assured is at all times responsible for ensuring that no arrangements of any kind are made which are not
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION THREE: GENERAL EXCLUSIONS
This Policy excludes loss, damage or expense caused by one or any combinations of any of the following:
(a) war (whether there be a declaration of war or not) between any of the following States: the United Kingdom,
United States of America, France, the Russian Federation
Aircraft is in the air when an outbreak of such war occurs, this exclusion shall not apply
until the said Aircraft has completed its first landing thereafter;
(b) confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or
the authority of the Government(s) stated in the Schedule, or any public or local authority under its
(c) the emission, discharge, release or escape of any chemical, biological or biochemical materials or the threat
same but this exclusion shall not apply;
(i) if such materials are used or threatened to be used solely and directly in:
(1) the Hi-jacking, unlawful seizure or wrong
loss of or damage to such Aircraft the subject of a valid claim under clause (f) Section One
(2) any threat against an Aircraft stated in the Schedule or its passenger
payments as are insured under Section Two above;
(ii) other than as provided for in sub-paragraph (1) above, to loss of or damage to an Aircraft if the use of
materials is hostile and originates solely and
(1) on board such Aircraft, whether it is on the ground or in the air,
or
(2) external to such Aircraft and causes physical damage to the Aircraft whilst the Aircraft’s wheels are
with the ground.
Any emission, discharge, release or escape originating external to the Aircraft that causes damage to
result of contamination without other physical damage to the Aircraft exterior is not
(d) any debt, failure to provide bond or security or any
(e) the repossession or attempted repossession of the Aircraft either by any title holder, or arising out of any
contractual agreement to which any Assured protected under this Policy may be party;
(f) delay, loss of use, or except as specifically provided in Section Two any other consequential loss; whether
following upon loss of or damage to the Aircraft or otherwise.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
SECTION THREE: GENERAL EXCLUSIONS
loss, damage or expense caused by one or any combinations of any of the following:
(a) war (whether there be a declaration of war or not) between any of the following States: the United Kingdom,
United States of America, France, the Russian Federation, the People’s Republic of China;
Aircraft is in the air when an outbreak of such war occurs, this exclusion shall not apply in respect of such Aircraft
until the said Aircraft has completed its first landing thereafter;
ion, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or
the authority of the Government(s) stated in the Schedule, or any public or local authority under its
elease or escape of any chemical, biological or biochemical materials or the threat
(i) if such materials are used or threatened to be used solely and directly in:-
jacking, unlawful seizure or wrongful exercise of control of an Aircraft in flight and then only in
loss of or damage to such Aircraft the subject of a valid claim under clause (f) Section One above; or
(2) any threat against an Aircraft stated in the Schedule or its passengers or crew and then only in
payments as are insured under Section Two above;
paragraph (1) above, to loss of or damage to an Aircraft if the use of
materials is hostile and originates solely and directly;
(1) on board such Aircraft, whether it is on the ground or in the air,
(2) external to such Aircraft and causes physical damage to the Aircraft whilst the Aircraft’s wheels are
or escape originating external to the Aircraft that causes damage to
result of contamination without other physical damage to the Aircraft exterior is not covered by this Policy.
(d) any debt, failure to provide bond or security or any other financial cause under court order or otherwise;
(e) the repossession or attempted repossession of the Aircraft either by any title holder, or arising out of any
contractual agreement to which any Assured protected under this Policy may be party;
f) delay, loss of use, or except as specifically provided in Section Two any other consequential loss; whether
following upon loss of or damage to the Aircraft or otherwise.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
loss, damage or expense caused by one or any combinations of any of the following:
(a) war (whether there be a declaration of war or not) between any of the following States: the United Kingdom, the
, the People’s Republic of China; nevertheless, if any
in respect of such Aircraft
ion, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under
the authority of the Government(s) stated in the Schedule, or any public or local authority under its jurisdiction;
elease or escape of any chemical, biological or biochemical materials or the threat of
ful exercise of control of an Aircraft in flight and then only in respect of
above; or
s or crew and then only in respect of
paragraph (1) above, to loss of or damage to an Aircraft if the use of such
(2) external to such Aircraft and causes physical damage to the Aircraft whilst the Aircraft’s wheels are not in contact
or escape originating external to the Aircraft that causes damage to the Aircraft as a
covered by this Policy.
other financial cause under court order or otherwise;
(e) the repossession or attempted repossession of the Aircraft either by any title holder, or arising out of any
f) delay, loss of use, or except as specifically provided in Section Two any other consequential loss; whether
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(g) any use, hostile or otherwise, of radioactive contamination or matter but thi
or damage to an Aircraft if such use is hostile and originates solely and directly;
(i) on board such Aircraft, whether it is on the ground or in the air, or
(ii) external to such Aircraft and causes physical damage
longer in contact with the ground
Any such use originating external to the Aircraft that causes damage to the Aircraft as a result of
without other physical damage to the Aircraft exterior
(h) any use, hostile or otherwise, of an electromagnetic pulse but this exclusion shall not apply to loss of or
to an Aircraft if such use originates solely and directly on board such Aircraft, whether it is on the
air.
(i) any detonation, hostile or otherwise, of any device employing atomic or nuclear fission and/or fusion or
reaction, and notwithstanding (g) and (h) above, any radioactive contamination and
directly from such detonation is also excluded by this Policy.
SECTION FOUR: GENERAL CONDITIONS
1. This Policy is subject to the same warranties, terms and conditions (except as regards the premium, the
to investigate and defend, the renewal
where applicable AND EXCEPT AS OTHERWISE PROVIDED HEREIN) as are
Assured’s Hull ‘‘All Risks’’ Policy.
2. Should there be any Material Change in
immediate notice of such Change to the Underwriters; no claim arising subsequent to a Material
the Assured had control shall be recoverable hereunder unless such chang
‘‘Material Change’’ shall be understood to mean any change in the operation of the Assured which might
be regarded by the Underwriters as increasing their risk in degree or frequency, or reducing
or subrogation.
3. The due observance and fulfilment of the terms, provisions, conditions and endorsements of this Policy
conditions precedent to any liability of the Underwriters to make any payment under this Policy: in
Assured should use all reasonable efforts to ensure that he complies and continues to comply
otherwise) of any country within whose jurisdiction the Aircraft may be, and to obtain
lawful operation of the Aircraft.
4. Subject always to the provisions of Section Five, and the Schedule, Underwriters hereon agree to follow the
‘‘All Risks’’ Policy in respect of Breach of Warranty Cover, Hold Harmless Agreements and Waivers of
SECTION FIVE: CANCELLATION REVISION AND AUTOMATIC TERMINATION
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(g) any use, hostile or otherwise, of radioactive contamination or matter but this exclusion shall not apply to
or damage to an Aircraft if such use is hostile and originates solely and directly;
(i) on board such Aircraft, whether it is on the ground or in the air, or
(ii) external to such Aircraft and causes physical damage to the Aircraft whilst the Aircraft’s wheels are no
Any such use originating external to the Aircraft that causes damage to the Aircraft as a result of
without other physical damage to the Aircraft exterior is not covered by this Policy.
(h) any use, hostile or otherwise, of an electromagnetic pulse but this exclusion shall not apply to loss of or
to an Aircraft if such use originates solely and directly on board such Aircraft, whether it is on the
(i) any detonation, hostile or otherwise, of any device employing atomic or nuclear fission and/or fusion or
reaction, and notwithstanding (g) and (h) above, any radioactive contamination and electromagnetic pulse resulting
directly from such detonation is also excluded by this Policy.
SECTION FOUR: GENERAL CONDITIONS
1. This Policy is subject to the same warranties, terms and conditions (except as regards the premium, the
to investigate and defend, the renewal agreement (if any), the amount of deductible or self
where applicable AND EXCEPT AS OTHERWISE PROVIDED HEREIN) as are contained in or may be added to the
2. Should there be any Material Change in the nature or area of the Assured’s operations, the Assured shall
immediate notice of such Change to the Underwriters; no claim arising subsequent to a Material
the Assured had control shall be recoverable hereunder unless such change has been accepted by the Underwriters.
‘‘Material Change’’ shall be understood to mean any change in the operation of the Assured which might
be regarded by the Underwriters as increasing their risk in degree or frequency, or reducing
3. The due observance and fulfilment of the terms, provisions, conditions and endorsements of this Policy
conditions precedent to any liability of the Underwriters to make any payment under this Policy: in
Assured should use all reasonable efforts to ensure that he complies and continues to comply
otherwise) of any country within whose jurisdiction the Aircraft may be, and to obtain all permits necessary for the
4. Subject always to the provisions of Section Five, and the Schedule, Underwriters hereon agree to follow the
‘‘All Risks’’ Policy in respect of Breach of Warranty Cover, Hold Harmless Agreements and Waivers of
TION FIVE: CANCELLATION REVISION AND AUTOMATIC TERMINATION
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
s exclusion shall not apply to loss of
to the Aircraft whilst the Aircraft’s wheels are no
Any such use originating external to the Aircraft that causes damage to the Aircraft as a result of contamination
(h) any use, hostile or otherwise, of an electromagnetic pulse but this exclusion shall not apply to loss of or damage
to an Aircraft if such use originates solely and directly on board such Aircraft, whether it is on the ground or in the
(i) any detonation, hostile or otherwise, of any device employing atomic or nuclear fission and/or fusion or other like
electromagnetic pulse resulting
1. This Policy is subject to the same warranties, terms and conditions (except as regards the premium, the obligations
agreement (if any), the amount of deductible or self insurance provision
contained in or may be added to the
the nature or area of the Assured’s operations, the Assured shall give
immediate notice of such Change to the Underwriters; no claim arising subsequent to a Material Change over which
accepted by the Underwriters.
‘‘Material Change’’ shall be understood to mean any change in the operation of the Assured which might reasonably
be regarded by the Underwriters as increasing their risk in degree or frequency, or reducing possibilities of recovery
3. The due observance and fulfilment of the terms, provisions, conditions and endorsements of this Policy shall be
conditions precedent to any liability of the Underwriters to make any payment under this Policy: in particular the
Assured should use all reasonable efforts to ensure that he complies and continues to comply with the laws (local or
all permits necessary for the
4. Subject always to the provisions of Section Five, and the Schedule, Underwriters hereon agree to follow the Hull
‘‘All Risks’’ Policy in respect of Breach of Warranty Cover, Hold Harmless Agreements and Waivers of Subrogation.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Amendment of Terms or Cancellation
1. (a) Underwriters may give notice, effective on the expiry of 7 days from midnight
G.M.T. on the day on which notice is issued, to review the rate of premium
event of the review of the rate of premium and/or geographical limits
expiry of the said 7 days, this Policy shall become
Automatic Review of Terms or Cancellation
(b) Notwithstanding 1(a) above, this Policy is subject to automatic review by Underwriters of the
and/or conditions and/or geographical limits effective on the expiry of 7 days
of any device including any weapon of war employing
or radioactive force or matter wheresoever or whensoever such detonation may occur and whether or not the
insured Aircraft may be directly affected. In the event of the review of the rate of premium and/or
geographical limits not being accepted by the Assured then at the expiry of
cancelled at that date.
Cancellation by Notice
(c) This Policy may be cancelled by the Assured or Underwriters giving notice not less than 7
each period of 3 months from inception.
Automatic Termination
2. Whether or not such notice of cancellation has been given this Insurance shall T
Upon the outbreak of war (whether there be a declaration of war or not) between any of the
namely, the United Kingdom, the United States of America, France, the Russian
China.
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this insurance,
terms and conditions and provided not otherwise cancelled, terminated or suspended,
of such Aircraft until the said Aircraft has completed its first landing
ENDORSEMENT NUMBER: 1
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
ISSUED TO:- …………………………… and as more fully set forth in the Schedule.
It is understood and agreed that effective inception this
I. this policy is subject to the following attached Endorsements/Clauses:
i. Kiln Geographical Areas Exclusion Clause LSW617F (Amended)
ii. Agreed Value Clause AVN61 (Amended)
iii. Supplementary Expenses AVN 76 (Amende
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
1. (a) Underwriters may give notice, effective on the expiry of 7 days from midnight
G.M.T. on the day on which notice is issued, to review the rate of premium and/or the geographical limits. In the
event of the review of the rate of premium and/or geographical limits not being accepted by the Assured then at the
expiry of the said 7 days, this Policy shall become cancelled at that date.
Cancellation
(b) Notwithstanding 1(a) above, this Policy is subject to automatic review by Underwriters of the
and/or conditions and/or geographical limits effective on the expiry of 7 days from the time of any hostile detonation
ny device including any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction
wheresoever or whensoever such detonation may occur and whether or not the
ed. In the event of the review of the rate of premium and/or
geographical limits not being accepted by the Assured then at the expiry of the said 7 days, this Policy shall become
Policy may be cancelled by the Assured or Underwriters giving notice not less than 7
2. Whether or not such notice of cancellation has been given this Insurance shall TERMINATE
Upon the outbreak of war (whether there be a declaration of war or not) between any of the
namely, the United Kingdom, the United States of America, France, the Russian Federation, the People’s Republic of
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this insurance,
terms and conditions and provided not otherwise cancelled, terminated or suspended, will be continued in respect
d Aircraft has completed its first landing thereafter.
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
…………………………… and as more fully set forth in the Schedule.
It is understood and agreed that effective inception this policy is subject to the following:-
I. this policy is subject to the following attached Endorsements/Clauses:-
i. Kiln Geographical Areas Exclusion Clause LSW617F (Amended)
ii. Agreed Value Clause AVN61 (Amended)
iii. Supplementary Expenses AVN 76 (Amended)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
geographical limits. In the
not being accepted by the Assured then at the
(b) Notwithstanding 1(a) above, this Policy is subject to automatic review by Underwriters of the rate of premium
from the time of any hostile detonation
atomic or nuclear fission and/or fusion or other like reaction
wheresoever or whensoever such detonation may occur and whether or not the
ed. In the event of the review of the rate of premium and/or conditions and/or
the said 7 days, this Policy shall become
Policy may be cancelled by the Assured or Underwriters giving notice not less than 7 days prior to the end of
ERMINATE AUTOMATICALLY
Upon the outbreak of war (whether there be a declaration of war or not) between any of the following States,
Federation, the People’s Republic of
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this insurance, subject to its
will be continued in respect
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
iv. Premium payment LSW 3000 (Amended)
II. All terms and conditions to automatically follow the Hull , Spares and equipment “All Risk” Policy as may be
applicable, including amendments during currency
III. Automatic pro rata additions, deletions and s
……………….. any one Aircraft
IV. Additional Insured’s Waiver of Subrogation, Loss, Payees, Hold Harmless, Breach of warranty, Contractual,
Lease, Purchase, Operating Agreements and the like as agreed
applicable.
V. Noted and agreed that coverage hereunder includes whilst over flying any area excluded under the
Limits hereon.
VI. It is agreed that where the Insured or his employees are render
protect the Aircraft from damage, wear, tear or gradual deterioration or are prevented from performing any
or maintenance to the Aircraft made necessary by the passage of time, this policy shall cove
necessarily incurred to reinstate the Aircraft to its condition immediately prior to exposure to
VII. In the event that an Aircraft insured hereon is fitted with a Leased Engine(s), the
which such Leased Engine(s) is attached is automatically increased by the
the period it is installed, subject always to the maximum Agreed
retain the rights of salvage on the detached engine).
VIII. Agreed to include all Insurance provisions as included within the purchased
and ………………………
IX. Agreed to include all Insurance Provisions as included within the Sale and Operating Lease
Back Agreement between the following parties:
Owner : ………………..
Lessor : …………………
Lessee : …………………
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED
1. This policy excludes loss, damage or expense arising from any of the following countries and
regions:
f) Cabinda, Burundi, Central African Republic, Congo, Democratic Republic of Congo,
Liberia, Sierra Leone, Somalia.
g) Colombia, Ecuador, Peru.
h) Checheno / Ingushskaya and Nagorna
i) Iraq, Syria
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
iv. Premium payment LSW 3000 (Amended)
II. All terms and conditions to automatically follow the Hull , Spares and equipment “All Risk” Policy as may be
applicable, including amendments during currency
III. Automatic pro rata additions, deletions and substitutions of Aircraft subject maximum value hereon USD
IV. Additional Insured’s Waiver of Subrogation, Loss, Payees, Hold Harmless, Breach of warranty, Contractual,
Lease, Purchase, Operating Agreements and the like as agreed by Hull Insurers subject AVN 67B (Hull War)
V. Noted and agreed that coverage hereunder includes whilst over flying any area excluded under the
VI. It is agreed that where the Insured or his employees are rendered by any peril covered by this Policy unable to
protect the Aircraft from damage, wear, tear or gradual deterioration or are prevented from performing any
or maintenance to the Aircraft made necessary by the passage of time, this policy shall cove
necessarily incurred to reinstate the Aircraft to its condition immediately prior to exposure to
VII. In the event that an Aircraft insured hereon is fitted with a Leased Engine(s), the Agreed Value of the Aircraft to
which such Leased Engine(s) is attached is automatically increased by the Agreed Value of the Leased Engine(s) for
the period it is installed, subject always to the maximum Agreed Value hereon not being exceeded. (Insurers to
n the detached engine).
VIII. Agreed to include all Insurance provisions as included within the purchased agreement between ……………..
IX. Agreed to include all Insurance Provisions as included within the Sale and Operating Lease
Agreement between the following parties:
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED
1. This policy excludes loss, damage or expense arising from any of the following countries and
) Cabinda, Burundi, Central African Republic, Congo, Democratic Republic of Congo, Eritrea,
h) Checheno / Ingushskaya and Nagorna- Karabakh
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
II. All terms and conditions to automatically follow the Hull , Spares and equipment “All Risk” Policy as may be
ubstitutions of Aircraft subject maximum value hereon USD
IV. Additional Insured’s Waiver of Subrogation, Loss, Payees, Hold Harmless, Breach of warranty, Contractual,
by Hull Insurers subject AVN 67B (Hull War) as
V. Noted and agreed that coverage hereunder includes whilst over flying any area excluded under the Geographical
ed by any peril covered by this Policy unable to
protect the Aircraft from damage, wear, tear or gradual deterioration or are prevented from performing any service
or maintenance to the Aircraft made necessary by the passage of time, this policy shall cover all costs and expenses
necessarily incurred to reinstate the Aircraft to its condition immediately prior to exposure to such peril.
Agreed Value of the Aircraft to
Agreed Value of the Leased Engine(s) for
Value hereon not being exceeded. (Insurers to
agreement between ……………..
IX. Agreed to include all Insurance Provisions as included within the Sale and Operating Lease-
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE LSW 617F AMENDED
1. This policy excludes loss, damage or expense arising from any of the following countries and
Eritrea, Ethiopia, Ivory Coast,
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
j) Any operations where the operations of the insured aircraft is in breach of United Nations sanctions.
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within an
is performed in accordance with I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct
result of force majeure subject advice to Underwriters within 72
3. Any excluded country may be covered by underwriters at terms to be agreed by the
flight.
In respect of claims adjusted on the basis of a total loss Insurers shall pay to the Insured
Aircraft as stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the
salvage of such Aircraft, together with all appropriate documents appertaining thereto, but in no event shall ther
any abandonment to Insurers.
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall
retain the right to repair, replace or make good as they deem expedient.
SUPPLEMENTARY PAYMENTS CLAUSE
It is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
have not been identified below.
The Insurers agree to indemnify the Insured for
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
hereunder determined to be missing and unreported after the computed maximum
exceeded;
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
damage because of malfunction or suspected malfunction of an Aircraft insured hereunder;
(c) any reasonable expenses incurred for the purpose of attempted or actual raising, removal, disposal or
of the wreck of an Aircraft insured hereunder and the contents thereof;
(d) any reasonable expenses which the Insured may be called upon to pay in resp
by the Civil Aviation Authority or any other relevant
hereunder.
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured
Coverage is provided under paragraphs (a), (b), (c) (d) and (e) above.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
where the operations of the insured aircraft is in breach of United Nations sanctions.
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within an internationally recognised air
I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct consequence and exclusively as a
Underwriters within 72 hours.
3. Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only prior to
AGREED VALUE CLAUSE
AVN61 AMENDED
In respect of claims adjusted on the basis of a total loss Insurers shall pay to the Insured the Agreed Value of the
Aircraft as stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the
salvage of such Aircraft, together with all appropriate documents appertaining thereto, but in no event shall ther
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall
the right to repair, replace or make good as they deem expedient.
SUPPLEMENTARY PAYMENTS CLAUSE
AVN76 AMENDED
It is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
The Insurers agree to indemnify the Insured for
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
hereunder determined to be missing and unreported after the computed maximum endurance of the flight has
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
damage because of malfunction or suspected malfunction of an Aircraft insured hereunder;
nable expenses incurred for the purpose of attempted or actual raising, removal, disposal or
of the wreck of an Aircraft insured hereunder and the contents thereof;
(d) any reasonable expenses which the Insured may be called upon to pay in respect of any public inquiry or inquiry
by the Civil Aviation Authority or any other relevant authority into an Accident involving an Aircraft insured
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured
Coverage is provided under paragraphs (a), (b), (c) (d) and (e) above.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
where the operations of the insured aircraft is in breach of United Nations sanctions.
internationally recognised air corridor and
consequence and exclusively as a
Slip Leader only prior to
the Agreed Value of the
Aircraft as stated in the Policy Schedule less any applicable deductible. Insurers may, at their discretion, take the
salvage of such Aircraft, together with all appropriate documents appertaining thereto, but in no event shall there be
The foregoing provision shall not apply to claims arising in respect of partial loss or damage where Insurers shall
It is understood and agreed that this Policy is extended to cover as more fully set forth under those paragraph(s)
identified below. It is expressly understood that no cover is provided under those paragraphs of this Clause which
(a) any reasonable expenses incurred for the purpose of search and rescue operations for an Aircraft insured
endurance of the flight has been
(b) any reasonable expenses incurred for the purpose of runway foaming to prevent or mitigate possible loss or
nable expenses incurred for the purpose of attempted or actual raising, removal, disposal or destruction
any public inquiry or inquiry
authority into an Accident involving an Aircraft insured
(e) any reasonable expenses incurred in fire and crash operations related to an Aircraft insured hereon.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Provided always that Insurers' liability shall not exceed USD ………………. in the aggregate in respect of each
paragraph, in addition to the sum insured.
PREMIUM PAYMENT CLAUSE
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy
(or, in respect of installment premiums, when due).
If the premium due under this policy has not been so paid to Underwri
policy (and, in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel
this policy by notifying the Insured via the broker in writing. In the event of
Underwriters on a pro rata basis for the period that Underwriters are on risk but the full policy premium shall be
payable to Underwriters in the event of a loss or occurrence prior to the date of termination which gives ris
valid claim under this policy.
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the
broker. If premium due is paid in full to Underwriters before the notice period expires, notice of ca
automatically be revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
rights under this clause on their own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
unenforceable, such invalidity or unenf
remain in full force and effect.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Provided always that Insurers' liability shall not exceed USD ………………. in the aggregate in respect of each
paragraph, in addition to the sum insured.
PREMIUM PAYMENT CLAUSE LSW 3000 AMENDED
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy
respect of installment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters by the 61st day from the inception of this
policy (and, in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel
this policy by notifying the Insured via the broker in writing. In the event of cancellation, premium is due to
on a pro rata basis for the period that Underwriters are on risk but the full policy premium shall be
Underwriters in the event of a loss or occurrence prior to the date of termination which gives ris
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the
If premium due is paid in full to Underwriters before the notice period expires, notice of ca
be revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
is clause on their own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Provided always that Insurers' liability shall not exceed USD ………………. in the aggregate in respect of each
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy
day from the inception of this
policy (and, in respect of installment premiums, by the date they are due) Underwriters shall have the right to cancel
cancellation, premium is due to
on a pro rata basis for the period that Underwriters are on risk but the full policy premium shall be
Underwriters in the event of a loss or occurrence prior to the date of termination which gives rise to a
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the
If premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shall
be revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
is clause on their own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
orceability will not affect the other provisions of this clause which will
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DURATION TRANSIT CLAUSE
This insurance
1.1 attaches only as the Spares and Equipment insured and as to any part as that part is loaded on an
or an aircraft for the commencement of a sea or air transit
1.2 terminates, subject to 2. and 3. below, either as the Spares and Equipment insured and as to any
is discharged from an overseas vessel or aircraft at the
or
on expiry of 15 days counting from midnight of the day of arrival of the vessel or aircraft at the final
port or place of discharge, whichever shall first occur;
nevertheless, such insurance
1.3 reattaches when, without having discharged the Spares and Equipment insured at the final port or
discharge, the vessel sails therefrom, or the aircraft departs therefrom,
1.4 terminates, subject to 2. and 3. below, either as the Spares and Equipment insured a
is thereafter discharged from the vessel or the aircraft at the final (or substituted)
or
on expiry of 15 days counting from midnight of the day of re
of discharge or arrival of the vessel or aircraft at a substituted port or place of
whichever shall first occur.
2. If during the insured voyage or transit the overseas vessel or aircraft arrives at an intermediate port or
discharge the Spares and Equipment insured for on
discharged from the vessel at a port or place of refuge, then subject to 3. below, this
expiry of 15 days counting from midnight of the day of arrival of the vessel
thereafter reattaches as the Spares and Equipment insured and as to
overseas vessel or aircraft. During the period of 15 days
the Spares and Equipment insured and as to
3. If the voyage or air transit in the contract of carriage is terminated
agreed therein, such port or place shall be deemed the final port or place of discharge and
in accordance with 1.2. If the Spares and Equipment insured are
or any other destination, then such insurance
3.1 in the case of the Spares and Equipment insured having been discharged, as the Spares and
and as to any part as that part is loaded on the on
transit;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
DURATION TRANSIT CLAUSE
1.1 attaches only as the Spares and Equipment insured and as to any part as that part is loaded on an
or an aircraft for the commencement of a sea or air transit and
1.2 terminates, subject to 2. and 3. below, either as the Spares and Equipment insured and as to any
is discharged from an overseas vessel or aircraft at the final port or place of discharge,
on expiry of 15 days counting from midnight of the day of arrival of the vessel or aircraft at the final
whichever shall first occur;
without having discharged the Spares and Equipment insured at the final port or
discharge, the vessel sails therefrom, or the aircraft departs therefrom, and
terminates, subject to 2. and 3. below, either as the Spares and Equipment insured and as to any
is thereafter discharged from the vessel or the aircraft at the final (or substituted) port or place of discharge,
on expiry of 15 days counting from midnight of the day of re-arrival of the vessel or aircraft at the
of discharge or arrival of the vessel or aircraft at a substituted port or place of discharge,
2. If during the insured voyage or transit the overseas vessel or aircraft arrives at an intermediate port or
discharge the Spares and Equipment insured for on-carriage by overseas vessel or by aircraft, or
discharged from the vessel at a port or place of refuge, then subject to 3. below, this insurance continues until the
counting from midnight of the day of arrival of the vessel or aircraft at such port or place, but
thereafter reattaches as the Spares and Equipment insured and as to any part as that part is loaded on an on
period of 15 days the insurance remains in force after discharge only whilst
the Spares and Equipment insured and as to any part as that part is at such intermediate port or place.
3. If the voyage or air transit in the contract of carriage is terminated at a port or place other than the
agreed therein, such port or place shall be deemed the final port or place of discharge and such insurance terminates
in accordance with 1.2. If the Spares and Equipment insured are subsequently reshipped or co
or any other destination, then such insurance reattaches
3.1 in the case of the Spares and Equipment insured having been discharged, as the Spares and
and as to any part as that part is loaded on the on-carrying vessel for the voyage or the on
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
1.1 attaches only as the Spares and Equipment insured and as to any part as that part is loaded on an overseas vessel
1.2 terminates, subject to 2. and 3. below, either as the Spares and Equipment insured and as to any part as that part
on expiry of 15 days counting from midnight of the day of arrival of the vessel or aircraft at the final
without having discharged the Spares and Equipment insured at the final port or place of
nd as to any\ part as that part
port or place of discharge,
arrival of the vessel or aircraft at the final port or place
2. If during the insured voyage or transit the overseas vessel or aircraft arrives at an intermediate port or place to
carriage by overseas vessel or by aircraft, or the goods are
insurance continues until the
or aircraft at such port or place, but
any part as that part is loaded on an on-carrying
the insurance remains in force after discharge only whilst
any part as that part is at such intermediate port or place.
at a port or place other than the destination
such insurance terminates
subsequently reshipped or consigned to the original
3.1 in the case of the Spares and Equipment insured having been discharged, as the Spares and Equipment insured
voyage or the on-carrying aircraft for
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
3.2 in the case of the Spares and Equipment insured not having been discharged, when the vessel
departs from such deemed final port or place of discharge;
1.4.
4. This insurance shall remain in force during any deviation, or any variation of the adventure arising from
the exercise of a liberty granted to shipowners, charterers or air carriers under a contract of carri
SPARES AND EQUIPMENT EXTENSION CLAUSE
1. This Policy is extended to apply to loss of or damage to Spares and Equipment as insured under the Insured’s
Spares and Equipment “All Risks” Policy subject to the following:
(a) Paragraphs 1(b), 1(c), 1(d), 1(e) and 1(f) of Section One apply, including whilst the Spares and Equipment are
in transit by any means of conveyance, and
(b) Paragraph 1(a) of Section One applies whilst the Spares and Equipment are in transit by air and/or sea in
accordance with the Duration Transit Clause below.
2. For the purposes of this extension the following amendments shall be made to the Policy to which this
Extension applies:
(a) General Exclusion (i)(a) of Section 3 is amended to read as follows
War (whether there be a declaration of war or not) between any of the following States, namely, the United
Kingdom, the United States of America, France, the Russian Federation, the People's Republic of China;
if the Aircraft is in the air when an outbreak of such war o
Aircraft until the said Aircraft has completed its first landing thereafter; this exclusion
Equipment in transit by air or sea until the transit is completed.
(b) Paragraph 2 of Section 5 is amended to read as follows
Whether or not such notice of cancellation has been given this Policy shall TERMINATE
Upon the outbreak of war (whether there be a declaration of war or not) between any of the following
namely, the United Kingdom, the United States of America, France, the Russian Federation, the
China.
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this Policy, subject to
and conditions and provided not otherwise cancelled or terminated, will be continued in respect of
until the said Aircraft has completed its first landing thereafter. In respect of Spares and
or sea this Policy, subject to its terms and conditions and provided not otherwise
continued in respect of such Spares and Equipment until the transit is
3. The liability of the Insurers for loss of or damage to Spares and Equipment shall not
one occurrence.
LAW AND JURISDICTION
This insurance shall be governed by and construed in accordance with the law of India and each
submit to the jurisdiction of the courts of India.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
3.2 in the case of the Spares and Equipment insured not having been discharged, when the vessel
departs from such deemed final port or place of discharge; thereafter such insurance terminates in accordance with
4. This insurance shall remain in force during any deviation, or any variation of the adventure arising from
the exercise of a liberty granted to shipowners, charterers or air carriers under a contract of carri
SPARES AND EQUIPMENT EXTENSION CLAUSE
1. This Policy is extended to apply to loss of or damage to Spares and Equipment as insured under the Insured’s
Spares and Equipment “All Risks” Policy subject to the following:
1(e) and 1(f) of Section One apply, including whilst the Spares and Equipment are
in transit by any means of conveyance, and
(b) Paragraph 1(a) of Section One applies whilst the Spares and Equipment are in transit by air and/or sea in
uration Transit Clause below.
2. For the purposes of this extension the following amendments shall be made to the Policy to which this
(a) General Exclusion (i)(a) of Section 3 is amended to read as follows:
aration of war or not) between any of the following States, namely, the United
Kingdom, the United States of America, France, the Russian Federation, the People's Republic of China;
if the Aircraft is in the air when an outbreak of such war occurs, this exclusion shall not apply
Aircraft until the said Aircraft has completed its first landing thereafter; this exclusion shall not apply to Spares and
Equipment in transit by air or sea until the transit is completed.
aph 2 of Section 5 is amended to read as follows:
Whether or not such notice of cancellation has been given this Policy shall TERMINATE AUTOMATICALLY
Upon the outbreak of war (whether there be a declaration of war or not) between any of the following
namely, the United Kingdom, the United States of America, France, the Russian Federation, the
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this Policy, subject to
ns and provided not otherwise cancelled or terminated, will be continued in respect of
until the said Aircraft has completed its first landing thereafter. In respect of Spares and Equipment in transit by air
terms and conditions and provided not otherwise cancelled or terminated, will be
continued in respect of such Spares and Equipment until the transit is completed.
3. The liability of the Insurers for loss of or damage to Spares and Equipment shall not exceed
This insurance shall be governed by and construed in accordance with the law of India and each
submit to the jurisdiction of the courts of India.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
3.2 in the case of the Spares and Equipment insured not having been discharged, when the vessel sails or the aircraft
insurance terminates in accordance with
4. This insurance shall remain in force during any deviation, or any variation of the adventure arising from
the exercise of a liberty granted to shipowners, charterers or air carriers under a contract of carriage.
1. This Policy is extended to apply to loss of or damage to Spares and Equipment as insured under the Insured’s
1(e) and 1(f) of Section One apply, including whilst the Spares and Equipment are
(b) Paragraph 1(a) of Section One applies whilst the Spares and Equipment are in transit by air and/or sea in
2. For the purposes of this extension the following amendments shall be made to the Policy to which this
aration of war or not) between any of the following States, namely, the United
Kingdom, the United States of America, France, the Russian Federation, the People's Republic of China; nevertheless,
ccurs, this exclusion shall not apply in respect of such
shall not apply to Spares and
AUTOMATICALLY.
Upon the outbreak of war (whether there be a declaration of war or not) between any of the following States,
namely, the United Kingdom, the United States of America, France, the Russian Federation, the People's Republic of
PROVIDED THAT if the Aircraft is in the air when such outbreak of war occurs then this Policy, subject to its terms
ns and provided not otherwise cancelled or terminated, will be continued in respect of such Aircraft
Equipment in transit by air
cancelled or terminated, will be
exceed USD……………….any
This insurance shall be governed by and construed in accordance with the law of India and each party agrees to
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION III – AVIATION INSURANCE
OPERATORS LIABILITYThe Insurers hereby agree to the extent and in the manner hereinafter provided, to pay on behalf of
sums which the Insured shall become legally obligated to pay to by final judgment be
exceeding the amounts specified in the Schedule, to any person or
a) for bodily injury including death at any time resulting therefrom (hereinafter referred to as
b) for loss of or damage to property of others (hereinafter
occurring during the period mentioned in the Schedule and arising out of the
below.
SECTION 1
Bodily injury or property damage
a) in or about the premises specified in the Schedule, as a direct result of the services granted
b) elsewhere in the course of any work or of the performance of any duties carried out by the
employees in connection with the business or operations specified in th
of the Insured or any of his employees engaged in the Insured’s
ways, works, machinery or plant used in the
THIS SECTION IS SUBJECT TO THE FOLLOWING EXCLUSIONS:
1. Loss of or damage to property owned, rented, leased or occupied by: whilst in the care,
whilst being handled, serviced or maintained by the Insured or any
deemed not to apply to vehicles that are
Schedule.
2. Bodily injury or property damage caused by
a) any mechanically propelled vehicle which the Insured may cause or permit any ot
such a manner as to render them responsible for
road traffic, or where no such law exists, whilst such vehicle is on any public highway.
b) any Ships, Vessels, Craft or Aircraft owned, chartered, used or operated by or on
exclusion shall be deemed not to apply to aircraft
indemnity is otherwise granted under Section 2 of th
3. Bodily Injury or property damage arising out of any Airmeet, Air Race, or Air Show, not
accommodation of spectators in connection therewith, unless
4. Bodily Injury or property damage arising out of construction of, demolition of or alterations
or Installations by the Insured or his contractors or sub
unless previously agreed by Insurers.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - AIRPORT OWNERS AND
OPERATORS LIABILITY The Insurers hereby agree to the extent and in the manner hereinafter provided, to pay on behalf of
sums which the Insured shall become legally obligated to pay to by final judgment be adjudged to pay up to but not
ding the amounts specified in the Schedule, to any person or persons as damages.
a) for bodily injury including death at any time resulting therefrom (hereinafter referred to as
b) for loss of or damage to property of others (hereinafter referred to as property damage)
occurring during the period mentioned in the Schedule and arising out of the hazards set forth in Section 1,2 and 3
in the Schedule, as a direct result of the services granted
b) elsewhere in the course of any work or of the performance of any duties carried out by the
employees in connection with the business or operations specified in the Schedule. caused by the fault or negligence
of the Insured or any of his employees engaged in the Insured’s business or by any defect in the Insured’s premises,
ways, works, machinery or plant used in the Insured’s business.
THE FOLLOWING EXCLUSIONS:
1. Loss of or damage to property owned, rented, leased or occupied by: whilst in the care,
whilst being handled, serviced or maintained by the Insured or any servant of the Insured, but this exclusion shall
deemed not to apply to vehicles that are not the property of the Insured whilst on the premises specified in the
2. Bodily injury or property damage caused by
a) any mechanically propelled vehicle which the Insured may cause or permit any other person to use on the road in
such a manner as to render them responsible for insurance under any domestic or international law appertaining to
where no such law exists, whilst such vehicle is on any public highway.
ls, Craft or Aircraft owned, chartered, used or operated by or on account of the Insured, but this
exclusion shall be deemed not to apply to aircraft owned by others which are on the ground and for which
granted under Section 2 of this Policy, whether such Section is insured hereunder or
3. Bodily Injury or property damage arising out of any Airmeet, Air Race, or Air Show, not
accommodation of spectators in connection therewith, unless previously agreed by the Insurers.
4. Bodily Injury or property damage arising out of construction of, demolition of or alterations
or Installations by the Insured or his contractors or sub-contractors (other than normal maintenance operations)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
AIRPORT OWNERS AND
The Insurers hereby agree to the extent and in the manner hereinafter provided, to pay on behalf of the Insured all
adjudged to pay up to but not
a) for bodily injury including death at any time resulting therefrom (hereinafter referred to as bodily injury) or
referred to as property damage) caused by accident
hazards set forth in Section 1,2 and 3
in the Schedule, as a direct result of the services granted by the Insured.
b) elsewhere in the course of any work or of the performance of any duties carried out by the Insured or his
caused by the fault or negligence
business or by any defect in the Insured’s premises,
1. Loss of or damage to property owned, rented, leased or occupied by: whilst in the care, custody or control of;
servant of the Insured, but this exclusion shall be
not the property of the Insured whilst on the premises specified in the
person to use on the road in
insurance under any domestic or international law appertaining to
account of the Insured, but this
owned by others which are on the ground and for which
is Policy, whether such Section is insured hereunder or not.
3. Bodily Injury or property damage arising out of any Airmeet, Air Race, or Air Show, not any stand used for the
the Insurers.
4. Bodily Injury or property damage arising out of construction of, demolition of or alterations to Building, Runways,
(other than normal maintenance operations)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
5. Bodily Injury or property damage arising out of any goods or products manufactured,
repaired, serviced, treated, sold, supplied, or distributed by the
products have ceased to be in the possession or under the control of the Insured, but this exclusion shall be deemed
not to apply to the supply, by the Insured, of food or drink at the premises specified in the
Loss of or damage to Aircraft or Aircraft equipment, not owned, rented or leased by the Insured,
ground in the care, custody or control of or whilst being serviced, handled or
servant of the Insured.
THIS SECTION IS SUBJECT TO THE FOL
a) Loss of or damage to robes, wearing apparel, personal effects or merchandise of any
b) Loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the
c) Loss of or damage to any Aircraft while in flight as defined.
Bodily Injury or property damage arising out of the possession, use, consumption or handling of any
products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or
or his employees, but only in respect of such goods or products which
aircraft, and then only after such goods or products have
Insured.
THIS SECTION IS SUBJECT TO THE FOLLOWING EXCLUSIONS:
a) Damage to the property of the Insured or to property within his care, custody or control.
b) The cost of repairing or replacing any defective goods o products manufactured, constructed,
serviced, treated, sold, supplied or distributed by the Insured or any
c) Loss arising out of improper or inadequate performance, design or specification but this
deemed not to apply to bodily injury or property damage as insured hereby
d) Loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim
EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THIS POLICY
1. THIS POLICY DOES NOT COVER liability for bodily injury to any person, who at the time of
injury is engaged in the service of the Insured or acting on his behalf, or liability
may be held liable under any workmans compens
any similar law.
2. THIS POLICY DOES NOT COVER the cost of making good any faculty workmanship for which
employees, contractors or subcontractors may be liable (but this limit
out of such faulty workmanship).
3. THIS POLICY DOES NOT COVER liability assumed by the Insured by Agreement under any
liability would have attached to the Insured even in the absence
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
5. Bodily Injury or property damage arising out of any goods or products manufactured,
repaired, serviced, treated, sold, supplied, or distributed by the Insured or his employees after such goods or
possession or under the control of the Insured, but this exclusion shall be deemed
apply to the supply, by the Insured, of food or drink at the premises specified in the Schedule.
SECTION 2
t or Aircraft equipment, not owned, rented or leased by the Insured,
ground in the care, custody or control of or whilst being serviced, handled or maintained by the Insured or any
THIS SECTION IS SUBJECT TO THE FOLLOWING EXCLUSIONS:-
a) Loss of or damage to robes, wearing apparel, personal effects or merchandise of any description.
b) Loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured.
Aircraft while in flight as defined.
SECTION 3
Bodily Injury or property damage arising out of the possession, use, consumption or handling of any
products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured
or his employees, but only in respect of such goods or products which form part of or are used in conjunction with
aircraft, and then only after such goods or products have ceased to be in the possession or under the control of t
THIS SECTION IS SUBJECT TO THE FOLLOWING EXCLUSIONS:-
a) Damage to the property of the Insured or to property within his care, custody or control.
b) The cost of repairing or replacing any defective goods o products manufactured, constructed,
serviced, treated, sold, supplied or distributed by the Insured or any defective part of parts thereof.
c) Loss arising out of improper or inadequate performance, design or specification but this
bodily injury or property damage as insured hereby resulting therefrom.
d) Loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim
EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THIS POLICY
NOT COVER liability for bodily injury to any person, who at the time of
injury is engaged in the service of the Insured or acting on his behalf, or liability for which the Insured or his insurer
may be held liable under any workmans compensation, unemployment compensation or disability benefits law or
2. THIS POLICY DOES NOT COVER the cost of making good any faculty workmanship for which
employees, contractors or subcontractors may be liable (but this limitation shall not exclude resulting damage arising
3. THIS POLICY DOES NOT COVER liability assumed by the Insured by Agreement under any
liability would have attached to the Insured even in the absence of such Agreement.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
5. Bodily Injury or property damage arising out of any goods or products manufactured, constructed, altered,
Insured or his employees after such goods or
possession or under the control of the Insured, but this exclusion shall be deemed
Schedule.
t or Aircraft equipment, not owned, rented or leased by the Insured, whilst on the
maintained by the Insured or any
description.
Insured.
Bodily Injury or property damage arising out of the possession, use, consumption or handling of any goods or
distributed by the Insured
form part of or are used in conjunction with
ceased to be in the possession or under the control of the
b) The cost of repairing or replacing any defective goods o products manufactured, constructed, altered, repaired,
defective part of parts thereof.
c) Loss arising out of improper or inadequate performance, design or specification but this exclusion shall be
resulting therefrom.
d) Loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim hereunder.
NOT COVER liability for bodily injury to any person, who at the time of sustaining such
for which the Insured or his insurer
unemployment compensation or disability benefits law or
2. THIS POLICY DOES NOT COVER the cost of making good any faculty workmanship for which the Insured, his
not exclude resulting damage arising
3. THIS POLICY DOES NOT COVER liability assumed by the Insured by Agreement under any Contract unless such
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. THIS POLICY DOES NOT COVER liability if the Insured directly or indirectly occasioned by,
or in consequence of War, invasion, act of foreign enemy, hostilities
rebellion, revolution, insurrection or military or
5. THIS POLICY DOES NOT COVER liability arising out of the operation of an airfield control
previously agreed by Insurers.
6. Each section of this Policy excludes liability which is or
whether such other section is insured hereunder or not.
7. This Policy is subject to the attached Nuclear Exclusion Clause.
In addition to the limits set out in the Schedule,
in the defense of any claim made against the Insured.
PROVIDED THAT
in the event of their requiring any claim to be contested
a) If the claim be successfully resisted by the Insured th
by the Insured in connection therewith up to but not exceeding the
b) If a payment exceeding the sum insured has to be made to dispose of a claim, the liability of
costs, charges and expenses in connection therewith shall be limited to
expenses as the sum insured by this Policy
DEFINITIONS
1. ACCIDENT. The word “accident” shall be understood to mean an accident or series of
event or occurrence.
2. FLIGHT. The term “in flight” means the time commencing with the actual take off run of the
continuing thereafter until it has completed its landing run.
1. Upon the happening of any accident likely to give rise to a claim under this Policy or upon the
Insured of notice of any claim or of any other subsequent proceedings, notice
given to Insurers as soon as possible after the same
representative. Every letter, claim, writ, summons or process shall be forwarded to Insurers immediately o
by the Insured.
2. All notices as specified above shall be given by the Insured to the person(s) or firm named
Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4. THIS POLICY DOES NOT COVER liability if the Insured directly or indirectly occasioned by,
or in consequence of War, invasion, act of foreign enemy, hostilities (whether War be declared or not), civil war,
revolution, insurrection or military or usurped power.
5. THIS POLICY DOES NOT COVER liability arising out of the operation of an airfield control
6. Each section of this Policy excludes liability which is or would be covered under any other
whether such other section is insured hereunder or not.
7. This Policy is subject to the attached Nuclear Exclusion Clause.
PAYMENT OF COSTS
In addition to the limits set out in the Schedule, Insurers will pay all legal and other costs incurred
in the defense of any claim made against the Insured.
in the event of their requiring any claim to be contested
a) If the claim be successfully resisted by the Insured the Insurers will pay all costs, charges
by the Insured in connection therewith up to but not exceeding the sum insured under this Policy.
b) If a payment exceeding the sum insured has to be made to dispose of a claim, the liability of
costs, charges and expenses in connection therewith shall be limited to such proportion of the said costs, charges and
expenses as the sum insured by this Policy bears to the amount paid to dispose of the claim.
. The word “accident” shall be understood to mean an accident or series of accidents arising out of one
2. FLIGHT. The term “in flight” means the time commencing with the actual take off run of the
ntil it has completed its landing run.
GENERAL CONDITIONS
1. Upon the happening of any accident likely to give rise to a claim under this Policy or upon the
Insured of notice of any claim or of any other subsequent proceedings, notice in writing with full particulars shall be
given to Insurers as soon as possible after the same shall come to the knowledge of the Insured or the Insured’s
claim, writ, summons or process shall be forwarded to Insurers immediately o
2. All notices as specified above shall be given by the Insured to the person(s) or firm named
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
4. THIS POLICY DOES NOT COVER liability if the Insured directly or indirectly occasioned by, happening through
(whether War be declared or not), civil war,
5. THIS POLICY DOES NOT COVER liability arising out of the operation of an airfield control tower unless
would be covered under any other section of the Policy,
Insurers will pay all legal and other costs incurred with the consent
e Insurers will pay all costs, charges and expenses incurred
sum insured under this Policy.
b) If a payment exceeding the sum insured has to be made to dispose of a claim, the liability of Insurers to pay any
such proportion of the said costs, charges and
accidents arising out of one
2. FLIGHT. The term “in flight” means the time commencing with the actual take off run of the aircraft and
1. Upon the happening of any accident likely to give rise to a claim under this Policy or upon the receipt by the
iting with full particulars shall be
shall come to the knowledge of the Insured or the Insured’s
claim, writ, summons or process shall be forwarded to Insurers immediately on receipt
2. All notices as specified above shall be given by the Insured to the person(s) or firm named for the purpose in the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
3. If any claim under this Policy is also covered in whole or in part by other insurance, the
be limited to their rateable proportion of such claim.
4. If the Insured shall make any claim knowing the same to be false or fraudulent as regards
this Policy shall become void, and all claims hereunder shall be
5. This Policy may be cancelled at any time at the written request of the Insured or may be
of the Insurers provided 15 days notice in writing be given. (Where
then the minimum period that is permitted
If the Policy shall be cancelled by the Insured the Insurers shall retain the earned premium
this Policy has been in force calculated in accordance with the
the minimum premium, calculated in accordance with the customary scale whichever is the greater.
If the Policy shall be cancelled by Insurers they shall retain the earned premium hereon for
has been in force, calculated in accordance with the basis in the
whichever is the greater. Notice of Cancellation by the Insurers shall be effective even though the Insurers make no
payment or tender of return premium.
6. It is a condition precedent to the right of the Insured to be indemnified under this Insurance
a) If after this Insurance has been effected, the risk is materially altered, such alterations
to the Insurers immediately.
b) No liability shall be admitted and no admission, arrangement, offer, promise or payment
Insured without the written consent of Insurers, who shall be
the name of the Insured the defense of any claim or to prosecute in the name of the Insured for their own benefit any
claim for indemnity or damages or otherwise against any third party, and shall have full discretion
any negotiations or proceedings or the settlement of any claim, and the
assistance as Insurers may require.
c) The Insured shall and will at all times exercise reasonable care in seeing that the ways,
machinery and appliances used in the Insured’s business are
the purpose for which they are used,
provided and used.
d) The Insured shall comply with all International and Government Regulations and Civil
7. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or
liability of the Insurers in respect of any or all Insureds
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
3. If any claim under this Policy is also covered in whole or in part by other insurance, the
be limited to their rateable proportion of such claim.
4. If the Insured shall make any claim knowing the same to be false or fraudulent as regards
this Policy shall become void, and all claims hereunder shall be forfeited.
5. This Policy may be cancelled at any time at the written request of the Insured or may be cancelled by or on behalf
of the Insurers provided 15 days notice in writing be given. (Where 15 days notice is contrary to the law or statute
minimum period that is permitted shall be substituted therefore.)
If the Policy shall be cancelled by the Insured the Insurers shall retain the earned premium hereon for the period that
this Policy has been in force calculated in accordance with the basis in the Schedule, or the short rate proportion of
accordance with the customary scale whichever is the greater.
If the Policy shall be cancelled by Insurers they shall retain the earned premium hereon for the period
has been in force, calculated in accordance with the basis in the Schedule, or pro rata of the minimum premium,
Cancellation by the Insurers shall be effective even though the Insurers make no
6. It is a condition precedent to the right of the Insured to be indemnified under this Insurance
a) If after this Insurance has been effected, the risk is materially altered, such alterations must be notified in writing
b) No liability shall be admitted and no admission, arrangement, offer, promise or payment
Insured without the written consent of Insurers, who shall be entitled, if they so desire, to take over and conduct
of any claim or to prosecute in the name of the Insured for their own benefit any
indemnity or damages or otherwise against any third party, and shall have full discretion
or proceedings or the settlement of any claim, and the Insured shall give all such information and
c) The Insured shall and will at all times exercise reasonable care in seeing that the ways,
y and appliances used in the Insured’s business are substantial and sound and in proper order, and fit for
and that all reasonable safeguards and precautions against accidents are
comply with all International and Government Regulations and Civil Instructions.
7. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or
liability of the Insurers in respect of any or all Insureds shall not exceed the limit(s) of liability stated in this Policy.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
liability of Insurers shall
4. If the Insured shall make any claim knowing the same to be false or fraudulent as regards amount or otherwise,
cancelled by or on behalf
15 days notice is contrary to the law or statute
hereon for the period that
basis in the Schedule, or the short rate proportion of
accordance with the customary scale whichever is the greater.
the period that this Policy
Schedule, or pro rata of the minimum premium,
Cancellation by the Insurers shall be effective even though the Insurers make no
6. It is a condition precedent to the right of the Insured to be indemnified under this Insurance that
must be notified in writing
b) No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by the
entitled, if they so desire, to take over and conduct in
of any claim or to prosecute in the name of the Insured for their own benefit any
indemnity or damages or otherwise against any third party, and shall have full discretion in the conduct of
Insured shall give all such information and
c) The Insured shall and will at all times exercise reasonable care in seeing that the ways, implements, plant,
substantial and sound and in proper order, and fit for
and that all reasonable safeguards and precautions against accidents are
Instructions.
7. Notwithstanding the inclusion herein of more than one Insured, whether by endorsement or otherwise, the total
the limit(s) of liability stated in this Policy.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION IV – AVIATION LIABILITY
Wherever used in this Policy, Schedule or Endorsement attaching hereto1. Aircraft
Aircraft shall be deemed to include lighter
2. Insured
Insured means the insured named herein and includes any subsidiary companies and any
may be declared to and agreed by the Insurers and also includes any
while acting within the scope of his duties as
3. Aviation Product
Aviation Product means any goods or products manufactured, constructed, altered, repaired,
supplied or distributed by the insured or his employees, but only i
part of or are used in conjunction with aircraft.
4. Bodily Injury
Bodily Injury means physical injury sustained by any person and shall be deemed to include
including death at any time resulting therefrom.
5. Flight
Flight means the time commencing with the actual take
completed its landing run. With respect to helicopters, Flight shall be
motion.
6. Occurrence
Occurrence means an accident or incident (other than a grounding), to which this insurance
Bodily Injury to a person or Property Damage. a series of accidents or
occurrence shall be deemed to be one occurrence.
7. On the Ground
On the Ground means at all times the Aircraft is not in Flight as defined.
8. Products Hazard
Products Hazard means the possession, use, consumption or handling of any Aviation Product
Aviation Product has ceased to be in possession or under the control of the
9. Property Damage
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION LIABILITY INSURANCE
DEFINITIONS
Wherever used in this Policy, Schedule or Endorsement attaching hereto
Aircraft shall be deemed to include lighter-than-air aircraft and helicopters.
Insured means the insured named herein and includes any subsidiary companies and any
may be declared to and agreed by the Insurers and also includes any executive officer, employee or director thereof
hile acting within the scope of his duties as such.
Aviation Product means any goods or products manufactured, constructed, altered, repaired,
supplied or distributed by the insured or his employees, but only in respect of such goods or products which form
part of or are used in conjunction with aircraft.
Bodily Injury means physical injury sustained by any person and shall be deemed to include
resulting therefrom.
Flight means the time commencing with the actual take-off run of the aircraft and continuing
completed its landing run. With respect to helicopters, Flight shall be deemed to mean whilst the rotors
Occurrence means an accident or incident (other than a grounding), to which this insurance
Bodily Injury to a person or Property Damage. a series of accidents or incidents following as a consequence of on
occurrence shall be deemed to be one occurrence.
On the Ground means at all times the Aircraft is not in Flight as defined.
Products Hazard means the possession, use, consumption or handling of any Aviation Product
Aviation Product has ceased to be in possession or under the control of the Insured.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
INSURANCE
associated companies as
executive officer, employee or director thereof
Aviation Product means any goods or products manufactured, constructed, altered, repaired, serviced, treated, sold,
respect of such goods or products which form
Bodily Injury means physical injury sustained by any person and shall be deemed to include sickness or disease,
off run of the aircraft and continuing thereafter until it has
deemed to mean whilst the rotors are in
Occurrence means an accident or incident (other than a grounding), to which this insurance applies, which causes
incidents following as a consequence of one
Products Hazard means the possession, use, consumption or handling of any Aviation Product but only after such
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Property Damage means accidental physical injury to or destruction of tangible property
of use of such injured or destroyed property.
In consideration of the premium paid, the Insurers, hereby agrees, upon the basis of declarations
Insured and subject to the terms, conditions, limitations and exclusions hereinafter
Insured in respect of Occurrences during the Policy Period, as detailed
SECTION A - AVIATION PREMISES LIABILITY
To pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay up
exceeding, the amounts specified in the Schedule to any person or persons as damages
Property Damage caused by an Occurrence
1. in or about the Premises specified in the Schedule, as a direct result of the services
2. elsewhere in the course of any work or of the performance of any duties carried out by the Insured or his
employees in connection with the business or operations specified in the Schedule,
of the Insured or any of his employees engaged in the Insured's business
ways, works, machinery or plant used in the Insured's business.
EXCLUSIONS APPLICABLE TO SECTION A
Section A does not apply to:
1. Property Damage to property owned by, rented to or occupied by; whilst being handled, serviced or
by the Insured or any servant of the Insured, but this exclusion shall be deemed not to apply
the property of the Insured whilst on the Premises specified in the Schedule.
2. Bodily Injury or Property Damage caused by:
2.1. any mechanically propelled vehicle which the Insured may cause or permit any other person to
in such a manner as to render them responsible for
to road traffic, or where no such law exists, whilst such
2.2. any ships, vessels, craft or aircraft owned, chartered, used or operated by or on account of th
exclusion shall be deemed not to apply to aircraft owned by others which are on
indemnity is otherwise granted under Section B.
3. Bodily Injury or Property Damage arising out of any airmeet, air race, or air s
accommodation of spectators in connection therewith, unless previously agreed by the Insurers.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Property Damage means accidental physical injury to or destruction of tangible property including the resultant loss
injured or destroyed property.
INSURING AGREEMENTS
In consideration of the premium paid, the Insurers, hereby agrees, upon the basis of declarations
Insured and subject to the terms, conditions, limitations and exclusions hereinafter mentioned, to indemnify the
Insured in respect of Occurrences during the Policy Period, as detailed below.
AVIATION PREMISES LIABILITY
To pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay up
exceeding, the amounts specified in the Schedule to any person or persons as damages in respect of Bodily Injury or
Property Damage caused by an Occurrence
1. in or about the Premises specified in the Schedule, as a direct result of the services granted by the
2. elsewhere in the course of any work or of the performance of any duties carried out by the Insured or his
employees in connection with the business or operations specified in the Schedule, caused by the fault or negligence
e Insured or any of his employees engaged in the Insured's business or by any defect in the Insured's premises,
ways, works, machinery or plant used in the Insured's business.
EXCLUSIONS APPLICABLE TO SECTION A
amage to property owned by, rented to or occupied by; whilst being handled, serviced or
by the Insured or any servant of the Insured, but this exclusion shall be deemed not to apply
the Premises specified in the Schedule.
2. Bodily Injury or Property Damage caused by:
2.1. any mechanically propelled vehicle which the Insured may cause or permit any other person to
in such a manner as to render them responsible for insurance under any domestic or international law appertaining
to road traffic, or where no such law exists, whilst such vehicle is on any public highway.
2.2. any ships, vessels, craft or aircraft owned, chartered, used or operated by or on account of th
exclusion shall be deemed not to apply to aircraft owned by others which are on the ground and for which
indemnity is otherwise granted under Section B.
3. Bodily Injury or Property Damage arising out of any airmeet, air race, or air show or any stand used for
accommodation of spectators in connection therewith, unless previously agreed by the Insurers.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
including the resultant loss
In consideration of the premium paid, the Insurers, hereby agrees, upon the basis of declarations made by the
mentioned, to indemnify the
To pay on behalf of the Insured all sums which the Insured shall become legally obligated to pay up to, but not
in respect of Bodily Injury or
granted by the Insured,
2. elsewhere in the course of any work or of the performance of any duties carried out by the Insured or his
caused by the fault or negligence
or by any defect in the Insured's premises,
amage to property owned by, rented to or occupied by; whilst being handled, serviced or maintained
by the Insured or any servant of the Insured, but this exclusion shall be deemed not to apply to vehicles that are not
2.1. any mechanically propelled vehicle which the Insured may cause or permit any other person to use on the road
domestic or international law appertaining
2.2. any ships, vessels, craft or aircraft owned, chartered, used or operated by or on account of the Insured, but this
the ground and for which
how or any stand used for the
accommodation of spectators in connection therewith, unless previously agreed by the Insurers.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. Bodily Injury or Property Damage arising out of the construction of, demolition of or alterations to
runways or installations by the Insured or their contractors or sub
operations) unless previously agreed by the Insurers.
5. Bodily Injury or Property Damage arising out of any goods or products manufactured, constructed,
repaired, serviced, treated, sold, supplied or distributed by the Insured after such goods or
be in the possession or under the control of the Insured, but this exclusion
supply, by the Insured, of food or drink at the Premises specified in
SECTION B
To pay for loss or damage to Aircraft or Aircraft equipment not owned, rented or leased by the Insured, whilst
the Ground in the care, custody or control
servant of the Insured but subject to the application of the Deductible as specified in the
EXCLUSIONS APPLICABLE TO SECTION B
Section B does not apply to:
1. loss of or damage to robes, wearing apparel, personal effects or merchandise of any description.
2. loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured.
3. Loss of or damage to any aircraft whilst in Flight as defined.
SECTION C
To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay as damages
Bodily Injury sustained by any person and for Property Damage arising out of the Products
EXCLUSIONS APPLICABLE TO SECTION C
Section C does not apply to:-
1. Property Damage, including the loss of use of such property Owned by, rented, leased, occupied or used
the care, custody or control of the Insured at the time of the Occ
2. legal liability for the cost or expense of the Insured for the inspection, repair, alteration, modification or
replacement of any defective Aviation Product.
3. loss arising out of improper or inadequate performance, design or specification b
not to apply to Bodily Injury or Property Damage resulting therefrom.
4. loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim hereunder.
GENERAL EXCLUSIONS APPLICABLE TO ALL SECT
This Policy does not apply:
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4. Bodily Injury or Property Damage arising out of the construction of, demolition of or alterations to
allations by the Insured or their contractors or sub-contractors (other than
operations) unless previously agreed by the Insurers.
5. Bodily Injury or Property Damage arising out of any goods or products manufactured, constructed,
repaired, serviced, treated, sold, supplied or distributed by the Insured after such goods or
be in the possession or under the control of the Insured, but this exclusion shall be deemed not to apply to the
d, of food or drink at the Premises specified in the Schedule.
SECTION B - HANGARKEEPERS LIABILITY
To pay for loss or damage to Aircraft or Aircraft equipment not owned, rented or leased by the Insured, whilst
the Ground in the care, custody or control of or whilst being serviced, handled or maintained by the
servant of the Insured but subject to the application of the Deductible as specified in the Schedule.
EXCLUSIONS APPLICABLE TO SECTION B
damage to robes, wearing apparel, personal effects or merchandise of any description.
2. loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured.
3. Loss of or damage to any aircraft whilst in Flight as defined.
SECTION C - AVIATION PRODUCTS LEGAL LIABILITY
To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay as damages
Bodily Injury sustained by any person and for Property Damage arising out of the Products Hazard.
EXCLUSIONS APPLICABLE TO SECTION C
1. Property Damage, including the loss of use of such property Owned by, rented, leased, occupied or used
the care, custody or control of the Insured at the time of the Occurrence.
2. legal liability for the cost or expense of the Insured for the inspection, repair, alteration, modification or
replacement of any defective Aviation Product.
3. loss arising out of improper or inadequate performance, design or specification but this exclusion shall be
not to apply to Bodily Injury or Property Damage resulting therefrom.
4. loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim hereunder.
GENERAL EXCLUSIONS APPLICABLE TO ALL SECTION OF THIS POLICY
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
4. Bodily Injury or Property Damage arising out of the construction of, demolition of or alterations to buildings,
contractors (other than normal maintenance
5. Bodily Injury or Property Damage arising out of any goods or products manufactured, constructed, altered,
products have ceased to
shall be deemed not to apply to the
To pay for loss or damage to Aircraft or Aircraft equipment not owned, rented or leased by the Insured, whilst On
of or whilst being serviced, handled or maintained by the Insured or any
Schedule.
damage to robes, wearing apparel, personal effects or merchandise of any description.
2. loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured.
To pay on behalf of the Insured all sums which the Insured shall become legally liable to pay as damages because of
Hazard.
1. Property Damage, including the loss of use of such property Owned by, rented, leased, occupied or used by or in
2. legal liability for the cost or expense of the Insured for the inspection, repair, alteration, modification or
ut this exclusion shall be deemed
4. loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim hereunder.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
1. To:
1.1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
resulting or arising therefrom or any consequential loss
1.2. any legal liability of whatsoever nature
1.3. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
nuclear component thereof;
1.4. ionizing radiations or contamination b
of, any other radioactive source whatsoever.
2. 2.1 to claims directly or indirectly occasioned by, happening through or in consequence of:
2.1.1. noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena
therewith;
2.1.2. pollution and contamination of any kind whatsoever;
2.1.3. electrical and electromagnetic interference;
2.1.4. interference with the use of property;
recorded in-flight emergency causing abnormal aircraft operation.
2.2. With respect to any provision in the Policy concerning any duty of the Insurers to investigate or
defend claims, such provision shall not apply and the Insurers shall not be required to defend:
2.2.1. claims excluded by paragraph 2.1. or;
2.2.2. a claim or claims covered by the Policy when combined with any claims excluded by paragraph
2.1. (referred to below as "Combined Clai
2.3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of the
reimburse the Insured for that portion of the following items which may be allocated to the
Policy:
2.3.1. damages awarded against the Insured and
2.3.2. defence fees and expenses incurred by the Insured.
2.4. Nothing herein shall override any nuclear risks or other exclusion clause attached to or forming part
of the Policy.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
1.1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
resulting or arising therefrom or any consequential loss
nature directly or indirectly caused by or contributed to by or arising from:
1.3. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
1.4. ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
of, any other radioactive source whatsoever.
2. 2.1 to claims directly or indirectly occasioned by, happening through or in consequence of:
uman ear or not), vibration, sonic boom and any phenomena
2.1.2. pollution and contamination of any kind whatsoever;
2.1.3. electrical and electromagnetic interference;
2.1.4. interference with the use of property; unless caused by or resulting in a crash fire explosion or collision or a
causing abnormal aircraft operation.
2.2. With respect to any provision in the Policy concerning any duty of the Insurers to investigate or
n shall not apply and the Insurers shall not be required to defend:
2.2.1. claims excluded by paragraph 2.1. or;
2.2.2. a claim or claims covered by the Policy when combined with any claims excluded by paragraph
2.1. (referred to below as "Combined Claims").
2.3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of the
reimburse the Insured for that portion of the following items which may be allocated to the
damages awarded against the Insured and
2.3.2. defence fees and expenses incurred by the Insured.
2.4. Nothing herein shall override any nuclear risks or other exclusion clause attached to or forming part
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
1.1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
directly or indirectly caused by or contributed to by or arising from:
1.3. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
y radioactivity from, or the toxic, explosive or other hazardous properties
2. 2.1 to claims directly or indirectly occasioned by, happening through or in consequence of:
uman ear or not), vibration, sonic boom and any phenomena associated
or resulting in a crash fire explosion or collision or a
2.2. With respect to any provision in the Policy concerning any duty of the Insurers to investigate or
n shall not apply and the Insurers shall not be required to defend:
2.2.2. a claim or claims covered by the Policy when combined with any claims excluded by paragraph
2.3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of the Policy)
reimburse the Insured for that portion of the following items which may be allocated to the claims covered by this
2.4. Nothing herein shall override any nuclear risks or other exclusion clause attached to or forming part
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
In respect of Section C only, paragraph 2.1.2. above does not apply to the pollution and contamination
of a product sold or supplied by the Insured.
3. WAR, HIJACKING AND OTHER PERILS EXCLUSION (AVN48B)
to claims caused by:-
3.1. War, invasion, acts of foreign enemies, hostilities (whet
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of
3.2. Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or
reaction or radioactive force or matter.
3.3. Strikes, riots, civil commotions or labour disturbances.
3.4. Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist
and whether the loss or damage resulting therefrom is accidental or intentional.
3.5. Any malicious act or act of sabotage.
3.6. Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by
the order of any government (whether civil, military or de facto) or public or local authority.
3.7. Hi-jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person or persons on
of the Insured.
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the
reason of any of the above perils. The Aircraft shall be deemed to have been
the safe return of the Aircraft to the Insured at an airfield not excluded by the
entirely suitable for the operation of the Aircraft (such safe return
engines shut down and under no duress).
4. DATE RECOGNITION EXCLUSION CLAUSE (AVN2000A)
4.1. This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in
negligence, product liability, misrepresentation, fraud or otherwise) of any nature
occasioned by or in consequence of (whether directly or indirectly and
4.1.1. the failure or inability of any computer hardware, software,
equipment or system (whether in the possession of the Insured
process, exchange or transfer year, date or time data or information in connection with any
time; whether on or before or after such change of year, date or time;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
agraph 2.1.2. above does not apply to the pollution and contamination
of a product sold or supplied by the Insured.
3. WAR, HIJACKING AND OTHER PERILS EXCLUSION (AVN48B)
3.1. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of
3.2. Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or
3.3. Strikes, riots, civil commotions or labour disturbances.
3.4. Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist
damage resulting therefrom is accidental or intentional.
3.5. Any malicious act or act of sabotage.
3.6. Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by
hether civil, military or de facto) or public or local authority.
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the consent
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the
reason of any of the above perils. The Aircraft shall be deemed to have been restored to the control of the Insured on
the safe return of the Aircraft to the Insured at an airfield not excluded by the geographical limits of this Policy, and
entirely suitable for the operation of the Aircraft (such safe return shall require that the
engines shut down and under no duress).
4. DATE RECOGNITION EXCLUSION CLAUSE (AVN2000A)
4.1. This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in
ability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or
occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly):
4.1.1. the failure or inability of any computer hardware, software, integrated circuit, chip or
equipment or system (whether in the possession of the Insured or of any third party) accurately or completely to
date or time data or information in connection with any
whether on or before or after such change of year, date or time;
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
agraph 2.1.2. above does not apply to the pollution and contamination
her war be declared or not), civil war, rebellion,
revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power.
3.2. Any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or other like
3.4. Any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist purposes
3.6. Confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
Aircraft acting without the consent
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by
control of the Insured on
geographical limits of this Policy, and
Aircraft be parked with
4.1. This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in contract, tort,
whatsoever arising from or
whether wholly or partly):
integrated circuit, chip or information technology
or of any third party) accurately or completely to
date or time data or information in connection with any change of year, date or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4.1.2. any implemented or attempted change or modification of any computer hardware,
chip or information technology equipment or s
in anticipation of or in response to any such change of year, date or time, or any advice given or services
performed in connection with any such change or modification;
4.1.3. any non-use or unavailability for use of any property or equipment of any kind
act, failure to act or decision of the Insured or of any third
any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall not apply to any
claims so excluded
5. CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE (AVN72)
The rights of a person who is not a party to this insurance or reinsurance to
reinsurance and/or not to have this insurance or reinsurance rescinded, varied or altered
virtue of the provisions of the Contracts (Rights of Third Parties) Act 1999 are
6. to any obligation for which the Insured or his Insurer may be held liable under any Employers' Liability
Workmens' Compensation law, unemployment compensation or disability benefits law, or under any
to Bodily Injury of any employee of the Insured arising out of and in the course of his
employment by the Insured.
7. to any legal liability assumed by the Insured under any contract or agreement greater than the liability
would have been imposed by law in the absence of any ex
8. to liability arising out of the operation of an airfield control tower unless previously agreed in writing by
Insurers.
9. to the cost of making good any faulty workmanship for which the Insured, his empl
contractors may be liable (but this limitation shall not exclude resulting damage arising out of such
workmanship).
PAYMENT OF COSTS
In addition to the payment of any claim for damages made under this Policy the Insurers
against the Insured and interest accruing after entry of judgement until the Insurers have paid,
deposited in court such part of such judgement as does not exceed the applicable limit of the
PAYMENT OF DEFENCE AND SETTLEMENT EXPENSESWith respect to the insurance afforded under this Policy the Insurers will:
1. Defend any suit against the Insured alleging Bodily Injury, or Property Damage even if such suit is
false or fraudulent, but the Insurers may make such investigation, negotiation and
they deem expedient.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4.1.2. any implemented or attempted change or modification of any computer hardware, software, integrated circuit,
chip or information technology equipment or system (whether in the possession of the Insured or of any third party)
response to any such change of year, date or time, or any advice given or services
performed in connection with any such change or modification;
use or unavailability for use of any property or equipment of any kind whatsoever resulting from any
act, failure to act or decision of the Insured or of any third party related to any such change of year, date or time; and
ncerning any duty of Insurers to investigate or defend claims shall not apply to any
5. CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE (AVN72)
The rights of a person who is not a party to this insurance or reinsurance to enforce a term of this
reinsurance and/or not to have this insurance or reinsurance rescinded, varied or altered
virtue of the provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this insuran
6. to any obligation for which the Insured or his Insurer may be held liable under any Employers' Liability
Workmens' Compensation law, unemployment compensation or disability benefits law, or under any
yee of the Insured arising out of and in the course of his
7. to any legal liability assumed by the Insured under any contract or agreement greater than the liability
would have been imposed by law in the absence of any express contract or assumption of liability.
8. to liability arising out of the operation of an airfield control tower unless previously agreed in writing by
9. to the cost of making good any faulty workmanship for which the Insured, his employees, contractors or
contractors may be liable (but this limitation shall not exclude resulting damage arising out of such
In addition to the payment of any claim for damages made under this Policy the Insurers will pay costs
against the Insured and interest accruing after entry of judgement until the Insurers have paid,
deposited in court such part of such judgement as does not exceed the applicable limit of the
ENT OF DEFENCE AND SETTLEMENT EXPENSES With respect to the insurance afforded under this Policy the Insurers will:
1. Defend any suit against the Insured alleging Bodily Injury, or Property Damage even if such suit is
the Insurers may make such investigation, negotiation and settlement of any claim or suit as
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
software, integrated circuit,
(whether in the possession of the Insured or of any third party)
response to any such change of year, date or time, or any advice given or services
whatsoever resulting from any
party related to any such change of year, date or time; and
ncerning any duty of Insurers to investigate or defend claims shall not apply to any
enforce a term of this insurance or
reinsurance and/or not to have this insurance or reinsurance rescinded, varied or altered without his consent by
excluded from this insurance.
6. to any obligation for which the Insured or his Insurer may be held liable under any Employers' Liability or
Workmens' Compensation law, unemployment compensation or disability benefits law, or under any similar law, or
7. to any legal liability assumed by the Insured under any contract or agreement greater than the liability which
liability.
8. to liability arising out of the operation of an airfield control tower unless previously agreed in writing by the
oyees, contractors or sub-
contractors may be liable (but this limitation shall not exclude resulting damage arising out of such faulty
will pay costs recoverable
against the Insured and interest accruing after entry of judgement until the Insurers have paid, tendered or
deposited in court such part of such judgement as does not exceed the applicable limit of the Insurers' liability.
1. Defend any suit against the Insured alleging Bodily Injury, or Property Damage even if such suit is groundless,
settlement of any claim or suit as
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
2. Pay the following:
2.1. Costs and Expenses incurred in the defence of any such suit;
2.2. Premiums on bonds to release attachments for an
premiums on appeal bonds required in any such defended suit, but without any
any such bonds.
The amounts incurred with the consent of the Insurers under thi
to the applicable limit of liability of this Policy.
However, as respects Section C, the Insurers shall not be obligated to defend any suit or pay any costs,
premiums incurred after the aggregate limit of liability applying to Section C has been
the Insured shall have the right to take over control of proceedings from the
POLICY PERIOD This Policy applies only with respect to Occurrences which take
Occurrence involving a missing or unreported Aircraft shall be deemed to occur at the time such Aircraft
commences flight or is last reported, whichever last occurs. The Policy Period shall commence and end
stated in the Schedule.
TERRITORY This Policy applies to Occurrences anywhere, but if claim is made or suit is brought elsewhere than within
European Community (E.E.C.), the United States of America or Canada and their territories or
Insurers shall have the right but not the duty to investigate and settle such claims and to
case in which the Insurers elect not to investigate, settle or defend, the Insured
will make or cause to be made such investigation and defence as is
authorisation by the Insurers will effect to the extent possible such
Insurers shall reimburse the Insured for the reasonable costs
of liability of the Policy, for the amounts of such
CONDITIONS
1. Limit of Liability
1.1. The Insurers's limit of liability for damages shall be
1.1.1. With respect to Section C, the aggregate Limit of Liability of the Insurers stated in the
all payments made under this insurance for all damages during
1.2. In the event of more than one Insured being covered by this Policy, each shall have the same
have been available had this Policy been issued individually to each of them;
hereunder of more than one Insured shall
which they would have been liable had there been only one organization insured under this Policy.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
2.1. Costs and Expenses incurred in the defence of any such suit;
2.2. Premiums on bonds to release attachments for an amount not in excess of the limit of liability of
premiums on appeal bonds required in any such defended suit, but without any obligation to apply for or furnish
The amounts incurred with the consent of the Insurers under this agreement are payable by the
to the applicable limit of liability of this Policy.
However, as respects Section C, the Insurers shall not be obligated to defend any suit or pay any costs,
gate limit of liability applying to Section C has been exhausted: and, in this event,
the Insured shall have the right to take over control of proceedings from the Insurers.
This Policy applies only with respect to Occurrences which take place during the Policy Period; provided, that
Occurrence involving a missing or unreported Aircraft shall be deemed to occur at the time such Aircraft
commences flight or is last reported, whichever last occurs. The Policy Period shall commence and end
This Policy applies to Occurrences anywhere, but if claim is made or suit is brought elsewhere than within
European Community (E.E.C.), the United States of America or Canada and their territories or
Insurers shall have the right but not the duty to investigate and settle such claims and to defend such suits. In any
case in which the Insurers elect not to investigate, settle or defend, the Insured under the supervision of the Insurers,
ll make or cause to be made such investigation and defence as is reasonably necessary, and subject to prior
authorisation by the Insurers will effect to the extent possible such settlements as the Insurers deem prudent. The
ured for the reasonable costs of such investigation and defence, and within the limits
of liability of the Policy, for the amounts of such authorised settlement.
1.1. The Insurers's limit of liability for damages shall be as set forth in the Schedule.
1.1.1. With respect to Section C, the aggregate Limit of Liability of the Insurers stated in the
all payments made under this insurance for all damages during the Policy Period.
f more than one Insured being covered by this Policy, each shall have the same
have been available had this Policy been issued individually to each of them; provided, however, that the inclusion
hereunder of more than one Insured shall not operate to increase the liability of the Insurers beyond the amount for
there been only one organization insured under this Policy.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
amount not in excess of the limit of liability of this Policy;
obligation to apply for or furnish
s agreement are payable by the Insurers in addition
However, as respects Section C, the Insurers shall not be obligated to defend any suit or pay any costs, expenses or
exhausted: and, in this event,
place during the Policy Period; provided, that an
Occurrence involving a missing or unreported Aircraft shall be deemed to occur at the time such Aircraft
commences flight or is last reported, whichever last occurs. The Policy Period shall commence and end on the dates
This Policy applies to Occurrences anywhere, but if claim is made or suit is brought elsewhere than within the
European Community (E.E.C.), the United States of America or Canada and their territories or possessions, the
defend such suits. In any
under the supervision of the Insurers,
reasonably necessary, and subject to prior
settlements as the Insurers deem prudent. The
of such investigation and defence, and within the limits
Schedule is applicable to
f more than one Insured being covered by this Policy, each shall have the same protection as would
provided, however, that the inclusion
increase the liability of the Insurers beyond the amount for
there been only one organization insured under this Policy.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
2. Material Change
Should there be any material change in the circumstances or na
the Insured shall give immediate notice thereof to the Insurers, and no claim arising
be recoverable hereunder unless such change has been accepted by
3. Assignment
This Policy shall not be assigned in whole or in part except with the consent of the Insurers verified by
hereon.
4. Notice of Occurrence
4.1. When an Occurrence takes place, written notice shall be given by or on behalf of the Insu
through their authorised agents appointed for this purpose (as set forth in the
4.2. Such notice shall contain reasonably obtainable information respecting the time, place and
Occurrence and the names and addresses of available witnesses.
5. Notice of Claim or Suit
If claim is made or suit is brought against the Insured, the Insured shall as soon as practicable forward to
Insurers' authorised agents appointed for that purpose e
them or their representatives.
6. Assistance and Co-operation of the Insured
The Insured shall co-operate with the Insurers and, upon the Insurers' request shall attend hearings and
shall assist in effecting settlements, securing and giving evidence, obtaining the attendance of
conduct of suits. The Insured shall not make any payment, assume any obligation
prior consent of the Insurers.
7. Arbitration
If any dispute shall arise between the Insured and the Insurers in connection with this insurance such
dispute shall be submitted to Arbitration in London in accordance with the statutory
the time being in force.
8. Action Against the Insurers
8.1. No action shall lie against the Insurers unless, as a condition precedent thereto, the Insured shall
complied with all the terms of this Policy, nor until the amount of the Insured's
finally determined either by judgement against the Insured after
arbitration proceedings against which the Insurers
the claimant and the Insurers.
8.2. Nothing contained in this Policy shall give any person or organisation any right to join the Insurers
defendant in any action against the Insured to determine the Insured's liability.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Should there be any material change in the circumstances or nature of the risks which are the basis of
the Insured shall give immediate notice thereof to the Insurers, and no claim arising subsequent to such change shall
be recoverable hereunder unless such change has been accepted by the Insurers.
This Policy shall not be assigned in whole or in part except with the consent of the Insurers verified by
4.1. When an Occurrence takes place, written notice shall be given by or on behalf of the Insu
through their authorised agents appointed for this purpose (as set forth in the Schedule) as soon as practicable.
4.2. Such notice shall contain reasonably obtainable information respecting the time, place and
rrence and the names and addresses of available witnesses.
If claim is made or suit is brought against the Insured, the Insured shall as soon as practicable forward to
Insurers' authorised agents appointed for that purpose every demand, notice, summons or other
operation of the Insured
operate with the Insurers and, upon the Insurers' request shall attend hearings and
l assist in effecting settlements, securing and giving evidence, obtaining the attendance of
conduct of suits. The Insured shall not make any payment, assume any obligation or incur any expense without
If any dispute shall arise between the Insured and the Insurers in connection with this insurance such
dispute shall be submitted to Arbitration in London in accordance with the statutory provision for Arbitration for
8.1. No action shall lie against the Insurers unless, as a condition precedent thereto, the Insured shall
complied with all the terms of this Policy, nor until the amount of the Insured's obligation to pay shall have been
finally determined either by judgement against the Insured after actual trial or award against the Insured in any
arbitration proceedings against which the Insurers does not wish to appeal or by written agreement of the Insured,
8.2. Nothing contained in this Policy shall give any person or organisation any right to join the Insurers
defendant in any action against the Insured to determine the Insured's liability.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
ture of the risks which are the basis of this contract
subsequent to such change shall
This Policy shall not be assigned in whole or in part except with the consent of the Insurers verified by endorsement
4.1. When an Occurrence takes place, written notice shall be given by or on behalf of the Insured to the Insurers
Schedule) as soon as practicable.
4.2. Such notice shall contain reasonably obtainable information respecting the time, place and circumstances of the
If claim is made or suit is brought against the Insured, the Insured shall as soon as practicable forward to the
very demand, notice, summons or other process received by
operate with the Insurers and, upon the Insurers' request shall attend hearings and trials and
l assist in effecting settlements, securing and giving evidence, obtaining the attendance of witnesses and in the
or incur any expense without
If any dispute shall arise between the Insured and the Insurers in connection with this insurance such difference or
provision for Arbitration for
8.1. No action shall lie against the Insurers unless, as a condition precedent thereto, the Insured shall have fully
n to pay shall have been
actual trial or award against the Insured in any
does not wish to appeal or by written agreement of the Insured,
8.2. Nothing contained in this Policy shall give any person or organisation any right to join the Insurers as a co-
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
9. Non-payment of Premium
9.1. In the event of non-payment of premium by the Insured this Policy may be cancelled by or onbehalf of the
Insurers provided 10 days notice be given to the Insured at his/their last address.
9.2. If this policy is cancelled the Insurers or their
demand payment of premium from the Insured for the period this Policy has
Premium as set out in the Schedule.
10. Cancellation
10.1. This Policy may be cancelled at any time at the written request of the Insured or may be
behalf of the Insurers provided 30 days notice in writing be given.
10.2. If this Policy shall be cancelled by the Insured, the Insurers shall retain short rate of
period that this Policy has been in force, calculated in accordance with the
10.3. If this Policy shall be cancelled by the Insurers they shall retain the pro rata premium hereon for
this Policy has been in force. Notice of cancellation by the Insurers shall be
no payment or tender of return premium.
11. Other Insurance
11.1. If any claim under this Policy is also covered in whole or in part by any other
Insurers shall be limited to their rateable proportion of such claim.
11.2. If any such insurance is specifically arranged by or for the Insured for a sum in excess of the total
insurance afforded by this Policy then the liability of the Insurers to pay any costs,
connection therewith shall be limited to such proportion of the said
Liability afforded by this Policy bears to the amount
12. Subrogation
In the event of any payment under this Policy, the Insurers shall be subrogated to all the Insured's rights
therefor against any person or organisation and the Insured shall execute and deliver
whatever else is necessary to secure such rights. The Insured shall do
13. Inadvertent Errors or Omissions
Inadvertent errors or omissions or failure to give notice to the Insurers as herein req
relieve the Insurers of Liability under this Policy, provided that such error or omission shall be corrected
as soon as discovered.
14. Conditions Precedent
It is a condition precedent to the right of the Insured to be indemnified under
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
payment of premium by the Insured this Policy may be cancelled by or onbehalf of the
Insurers provided 10 days notice be given to the Insured at his/their last address.
9.2. If this policy is cancelled the Insurers or their authorised agents appointed for this purpose
demand payment of premium from the Insured for the period this Policy has been in force calculated at pro rata of
be cancelled at any time at the written request of the Insured or may be
behalf of the Insurers provided 30 days notice in writing be given.
10.2. If this Policy shall be cancelled by the Insured, the Insurers shall retain short rate of the premium
period that this Policy has been in force, calculated in accordance with the customary scale.
10.3. If this Policy shall be cancelled by the Insurers they shall retain the pro rata premium hereon for
has been in force. Notice of cancellation by the Insurers shall be effective even though the Insurers make
no payment or tender of return premium.
11.1. If any claim under this Policy is also covered in whole or in part by any other insurance, the
Insurers shall be limited to their rateable proportion of such claim.
11.2. If any such insurance is specifically arranged by or for the Insured for a sum in excess of the total
then the liability of the Insurers to pay any costs, charges and expenses in
connection therewith shall be limited to such proportion of the said costs, charges and expenses as the Limit of
Liability afforded by this Policy bears to the amount paid to dispose of the claim.
In the event of any payment under this Policy, the Insurers shall be subrogated to all the Insured's rights
therefor against any person or organisation and the Insured shall execute and deliver instruments an
whatever else is necessary to secure such rights. The Insured shall do nothing after loss to prejudice such rights.
Inadvertent errors or omissions or failure to give notice to the Insurers as herein required shall not
relieve the Insurers of Liability under this Policy, provided that such error or omission shall be corrected
It is a condition precedent to the right of the Insured to be indemnified under this insurance that:
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
payment of premium by the Insured this Policy may be cancelled by or onbehalf of the
authorised agents appointed for this purpose reserve the right to
been in force calculated at pro rata of
be cancelled at any time at the written request of the Insured or may be cancelled by or on
the premium hereon for the
10.3. If this Policy shall be cancelled by the Insurers they shall retain the pro rata premium hereon for the period that
effective even though the Insurers make
insurance, the liability of the
11.2. If any such insurance is specifically arranged by or for the Insured for a sum in excess of the total amount of
charges and expenses in
costs, charges and expenses as the Limit of
In the event of any payment under this Policy, the Insurers shall be subrogated to all the Insured's rights of recovery
instruments and papers and do
nothing after loss to prejudice such rights.
uired shall not
relieve the Insurers of Liability under this Policy, provided that such error or omission shall be corrected
this insurance that:
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
14.1. no liability shall be admitted and no admission, arrangement, offer, promise or payment shall be
Insured without the written consent of the Insurers, who shall be entitled, if they so
in the name of the Insured the defence of any claim or to
any claim for indemnity or damages or
conduct of any negotiations or proceedings or the settlement of any claim, and the Insured shall give all such
information and assistance as the Insurers may require.
14.2. the Insured shall and will at all times exercise reasonable care in seeing that the ways,
machinery and appliances used in the Insured's business are substantial and
the purpose for which they are used, and that all reasonable
provided and used.
14.3. the Insured shall comply with all International and Government Regulations and Civil Instructions.
SECTION V – AVIATION
SECTION 1
WHAT THIS SECTION COVERS
The Insurers will indemnify the Insured for all sums, up to the
Insured is held legally liable to pay, and shall pay, as compensatory damages for
caused by an Occurrence at or about any airport or heliport
1. the fault or negligence of the Insured or
2. any defect in the Insured's premises, storage facilities, ways, equipment, installations, or vehicles
the Insured's business of storage and supply of aviation f
services directly related to such storage and supply, in connection with the use
WHAT THIS SECTION DOES NOT COVER
The Insurers will not pay:-
1. for Bodily Injury or Property Damage caused
Insured in circumstances which are covered by the requirements of any motor
2. for Bodily Injury or Property Damage caused by any ships, vessels, watercraft or aircraft
chartered, used or operated by or on behalf of the Insured.
3. claims arising out of construction or demolition operations by or on behalf of the Insured or their
contractors or sub-contractors.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
14.1. no liability shall be admitted and no admission, arrangement, offer, promise or payment shall be
Insured without the written consent of the Insurers, who shall be entitled, if they so desire, to take over and conduct
in the name of the Insured the defence of any claim or to prosecute in the name of the Insured for their own benefit
any claim for indemnity or damages or otherwise against any third party, and shall have full discretion in the
or proceedings or the settlement of any claim, and the Insured shall give all such
assistance as the Insurers may require.
14.2. the Insured shall and will at all times exercise reasonable care in seeing that the ways,
achinery and appliances used in the Insured's business are substantial and sound and in proper order and fit for
the purpose for which they are used, and that all reasonable safeguards and precautions against accidents are
sured shall comply with all International and Government Regulations and Civil Instructions.
AVIATION INSURANCE - FUEL SUPPLIERS
LIABILITY
SECTION 1 - PREMISES LIABILITY
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the
Insured is held legally liable to pay, and shall pay, as compensatory damages for Bodily Injury and Property Damage
caused by an Occurrence at or about any airport or heliport location where the Insured operates, as a direct result of
1. the fault or negligence of the Insured or
2. any defect in the Insured's premises, storage facilities, ways, equipment, installations, or vehicles
the Insured's business of storage and supply of aviation fuel, lubricants and hydraulic
services directly related to such storage and supply, in connection with the use of aircraft.
WHAT THIS SECTION DOES NOT COVER
1. for Bodily Injury or Property Damage caused by any mechanically propelled vehicle used by or on
Insured in circumstances which are covered by the requirements of any motor insurance law.
2. for Bodily Injury or Property Damage caused by any ships, vessels, watercraft or aircraft owned,
chartered, used or operated by or on behalf of the Insured.
3. claims arising out of construction or demolition operations by or on behalf of the Insured or their
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
14.1. no liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by the
desire, to take over and conduct
prosecute in the name of the Insured for their own benefit
otherwise against any third party, and shall have full discretion in the
or proceedings or the settlement of any claim, and the Insured shall give all such
14.2. the Insured shall and will at all times exercise reasonable care in seeing that the ways, implements, plant,
sound and in proper order and fit for
safeguards and precautions against accidents are
sured shall comply with all International and Government Regulations and Civil Instructions.
FUEL SUPPLIERS
Limit of Indemnity stated in the Schedule, which the
Bodily Injury and Property Damage
operates, as a direct result of
2. any defect in the Insured's premises, storage facilities, ways, equipment, installations, or vehicles arising out of
fluids or equipment or
by any mechanically propelled vehicle used by or on behalf of the
insurance law.
owned,
3. claims arising out of construction or demolition operations by or on behalf of the Insured or their
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. claims covered under Section 2.
SECTION 2
WHAT THIS SECTION COVERS
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the
Insured is held legally liable to pay, and shall pay, as compensatory damages for
arising out of products being aviation fuels, lubricants, hydraulic
by the Insured to others but only such products
possession of the products.
WHAT THIS SECTION DOES NOT COVER
The Insurers will not pay:-
1. the cost of repairing or replacing a defective product or the cost or expense to the Insured or any
behalf of the Insured for inspecting or in
product not involved in an Occurrence.
2. for loss arising from the failure of a product to perform or from poor performance of a product
or performance causes Bodily Injury or Property Damage as covered under
3. for loss of use of an aircraft not lost or damaged in an Occurrence.
4. for loss arising out of the withdrawal or restriction imposed on the use of any product.
WHAT IS NOT COVERED BY SECTIONS 1 AND 2 OF THIS POLICY
The Insurers will not pay:-
1. for Property Damage to property which the Insured owns, leases, rents, uses or occupies or which
custody or control.
2. for Bodily Injury to any person arising out of and in
which the Insured or their insurers may be held liable under any workers
unemployment compensation or disability benefits law or any
3. the cost of repairing or rectifying any work incorrectly done or the cost of replacing any part
of such incorrect work.
4. punitive, aggravated or exemplary damages.
5. claims which are payable under any other policy of insurance, except i
which would have been payable under such other policy had this Policy not
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
SECTION 2 - PRODUCTS LIABILITY
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the
Insured is held legally liable to pay, and shall pay, as compensatory damages for Bodily Injury or Property Damage
arising out of products being aviation fuels, lubricants, hydraulic fluids or equipment sold, supplied or distributed
by the Insured to others but only such products related to aircraft and then only after the Insured has relinqui
WHAT THIS SECTION DOES NOT COVER
1. the cost of repairing or replacing a defective product or the cost or expense to the Insured or any
behalf of the Insured for inspecting or investigating a defect or deficiency known, alleged or suspected to exist in a
2. for loss arising from the failure of a product to perform or from poor performance of a product
s Bodily Injury or Property Damage as covered under this Section.
3. for loss of use of an aircraft not lost or damaged in an Occurrence.
4. for loss arising out of the withdrawal or restriction imposed on the use of any product.
SECTIONS 1 AND 2 OF THIS POLICY
1. for Property Damage to property which the Insured owns, leases, rents, uses or occupies or which
2. for Bodily Injury to any person arising out of and in the course of their employment by the Insured
which the Insured or their insurers may be held liable under any workers compensation, employers liability,
unemployment compensation or disability benefits law or any similar law.
t of repairing or rectifying any work incorrectly done or the cost of replacing any part
4. punitive, aggravated or exemplary damages.
5. claims which are payable under any other policy of insurance, except in respect of any excess
which would have been payable under such other policy had this Policy not been effected.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the Schedule, which the
Injury or Property Damage
fluids or equipment sold, supplied or distributed
related to aircraft and then only after the Insured has relinquished
1. the cost of repairing or replacing a defective product or the cost or expense to the Insured or any other party on
alleged or suspected to exist in a
2. for loss arising from the failure of a product to perform or from poor performance of a product unless such failure
1. for Property Damage to property which the Insured owns, leases, rents, uses or occupies or which is in their care,
the course of their employment by the Insured or liability for
compensation, employers liability,
t of repairing or rectifying any work incorrectly done or the cost of replacing any part damaged as the result
n respect of any excess beyond the amount
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
WAR, HI-JACKING AND OTHER PERILS EXCLUSIONThis Policy does not cover claims caused by:
1. war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war,
insurrection, martial law, military or usurped power or attempts at usurpation
2. any hostile detonation of any weapon of war employing atomic or nuclear fi
reaction or radioactive force or matter.
3. strikes, riots, civil commotions or labour disturbances.
4. any act of one or more persons, whether or not agents of a sovereign Power, for political or
whether the loss or damage resulting therefrom is accidental or intentional.
5. any malicious act or act of sabotage.
6. confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use
order of any Government (whether civil military or de facto) or public or local
7. hi-jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person o
of the Insured.
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by
reason of any of the above perils. The Aircraft shall be deemed t
Insured on the safe return of the Aircraft to the Insured at an airfield not excluded by the geographical limits of
this Policy, and entirely suitable for the operation of the Aircraft (such safe return shall
be parked with engines shut down and under no duress).
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in
consequence of:-
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena
(b) pollution and contamination of any kind whatsoever other than pollution or contamination of a
supplied by the Insured,
(c) electrical and electromagnetic interference,
(d) interference with the use of property;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
JACKING AND OTHER PERILS EXCLUSION This Policy does not cover claims caused by:-
enemies, hostilities (whether war be declared or not), civil war,
insurrection, martial law, military or usurped power or attempts at usurpation of power.
2. any hostile detonation of any weapon of war employing atomic or nuclear fission and/or fusion or
3. strikes, riots, civil commotions or labour disturbances.
4. any act of one or more persons, whether or not agents of a sovereign Power, for political or
whether the loss or damage resulting therefrom is accidental or intentional.
6. confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use
y Government (whether civil military or de facto) or public or local authority.
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight
attempt at such seizure or control) made by any person or persons on board the Aircraft acting without the consent
Furthermore this Policy does not cover claims arising whilst the Aircraft is outside the control of the Insured by
reason of any of the above perils. The Aircraft shall be deemed to have been restored to the control of the
Insured on the safe return of the Aircraft to the Insured at an airfield not excluded by the geographical limits of
this Policy, and entirely suitable for the operation of the Aircraft (such safe return shall require that the Aircraft
be parked with engines shut down and under no duress).
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in
(whether audible to the human ear or not), vibration, sonic boom and any phenomena
(b) pollution and contamination of any kind whatsoever other than pollution or contamination of a
rical and electromagnetic interference,
(d) interference with the use of property;
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution,
ssion and/or fusion or other like
4. any act of one or more persons, whether or not agents of a sovereign Power, for political or terrorist purposes and
6. confiscation, nationalisation, seizure, restraint, detention, appropriation, requisition for title or use by or under the
jacking or any unlawful seizure or wrongful exercise of control of the Aircraft or crew in flight (including any
Aircraft acting without the consent
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in
(whether audible to the human ear or not), vibration, sonic boom and any phenomena associated therewith,
(b) pollution and contamination of any kind whatsoever other than pollution or contamination of a product sold or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
unless caused by or resulting in a crash fire explosion or collision or a recorded in
abnormal aircraft operation.
2. With respect to any provision in this Policy concerning any duty of the Insurers to investigate or
such provision shall not apply and the Insurers shall not be required to defend
(a) claims excluded by Paragraph 1 or
(b) a claim or claims covered by this Policy when combined with any claims excluded by
3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of this
reimburse the Insured for that portion o
Policy:
(a) damages awarded against the Insured and
(b) defence fees and expenses incurred by the Insured.
4. This Exclusion does not override the Nuclear Risks Exclusion
NUCLEAR RISKS EXCLUSION
This Policy does not cover:-
1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
arising therefrom or any consequential loss
2. any legal liability of whatsoever nature
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly
or nuclear component thereof; (b) ionizing radiations or contamination by radioactivity from, or the toxic, explosive or other
hazardous properties of, any other radioactive source whatsoever.
CONTRACTS
This Policy does not apply to the terms of any contract or agreement which the Insured has entered
into unless the prior permission of the Insurers has been obtained. The exceptions are:
1. a contract or agreement which only covers a legal obligation which would apply even if the
had not been entered into.
2. a contract or agreement which the Insured has to enter into as required by any governmental or
rule or regulation.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
unless caused by or resulting in a crash fire explosion or collision or a recorded in-flight
provision in this Policy concerning any duty of the Insurers to investigate or
such provision shall not apply and the Insurers shall not be required to defend
icy when combined with any claims excluded by Paragraph 1. (referred to below as "Combined Claims").
3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of this
reimburse the Insured for that portion of the following items which may be allocated to the
(a) damages awarded against the Insured and
(b) defence fees and expenses incurred by the Insured.
4. This Exclusion does not override the Nuclear Risks Exclusion contained in this Policy.
1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
arising therefrom or any consequential loss
liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from:
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly
s or contamination by radioactivity from, or the toxic, explosive or other
hazardous properties of, any other radioactive source whatsoever.
This Policy does not apply to the terms of any contract or agreement which the Insured has entered
unless the prior permission of the Insurers has been obtained. The exceptions are:-
1. a contract or agreement which only covers a legal obligation which would apply even if the
which the Insured has to enter into as required by any governmental or
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
flight emergency causing
provision in this Policy concerning any duty of the Insurers to investigate or defend claims,
Paragraph 1. (referred to below as "Combined Claims").
3. In respect of any Combined Claims, the Insurers shall (subject to proof of loss and the limits of this Policy)
f the following items which may be allocated to the claims covered by the
1. loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or
directly or indirectly caused by or contributed to by or arising from:
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly
This Policy does not apply to the terms of any contract or agreement which the Insured has entered
1. a contract or agreement which only covers a legal obligation which would apply even if the contract or agreement
which the Insured has to enter into as required by any governmental or municipal statute,
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
3. all contracts which are current at the inception of this Policy and which have been accepted by the
policy or policies of which this Policy is a renewal.
4. any Tarbox Agreement entered into in the normal course and practice of the Insured's business.
afforded to the Insured in respect of the contracts detailed in 1. to 4. above will be
by this Policy.
CONDITIONS WHICH APPLY TO THIS POLICY
DEFENCE OF LEGAL ACTIONS AND PAYMENT OF COSTS AND EXPENSES
The Insurers will defend any legal action which is brought against the Insured alleging Bodily Injury or
Damage, in respect of the Insurance provided by this Policy, even if the action is proved to
the Insurers shall have the right to make such investigation, negotiation and
feel right and proper.
The Insurers will pay the costs and expenses set out in the following paragraphs in addition to any
amounts paid in settlement of claims against the Insured:
1. legal costs and expenses which are incurred by the Insurers in defending any action against the
costs of investigating, negotiating and settling the action.
2. costs awarded against the Insured in any action against them.
3. interest after judgment against the Insured.
4. premiums for providing any bonds which are required in con
will not be responsible for obtaining the bonds unless they so wish.
5. expenses reasonably incurred at the request of the Insurers in connection with any legal action,
Insurers will not pay for loss of earnings or salaries of the Insured or anyone
Should the amount paid or awarded in settlement against the Insured exceed the Limits of Indemnity stated in
the Schedule the liability of the Insurers for payments as detaile
proportion as the Limits of Indemnity bear to the amount paid or awarded in settlement.
The Insurers' obligations under the provisions set out above shall, however, cease if any aggregate
this Policy is exhausted. If this happens the Insured shall have the right to take over
Insurers.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
3. all contracts which are current at the inception of this Policy and which have been accepted by the
this Policy is a renewal.
4. any Tarbox Agreement entered into in the normal course and practice of the Insured's business.
afforded to the Insured in respect of the contracts detailed in 1. to 4. above will be limited to the coverage
CONDITIONS WHICH APPLY TO THIS POLICY
DEFENCE OF LEGAL ACTIONS AND PAYMENT OF COSTS AND EXPENSES
The Insurers will defend any legal action which is brought against the Insured alleging Bodily Injury or
respect of the Insurance provided by this Policy, even if the action is proved to be false or fraudulent, but
the Insurers shall have the right to make such investigation, negotiation and settlement of any claim or suit as they
Insurers will pay the costs and expenses set out in the following paragraphs in addition to any
amounts paid in settlement of claims against the Insured:-
1. legal costs and expenses which are incurred by the Insurers in defending any action against the
costs of investigating, negotiating and settling the action.
2. costs awarded against the Insured in any action against them.
3. interest after judgment against the Insured.
4. premiums for providing any bonds which are required in connection with any legal action, although
will not be responsible for obtaining the bonds unless they so wish.
5. expenses reasonably incurred at the request of the Insurers in connection with any legal action,
pay for loss of earnings or salaries of the Insured or anyone employed by them.
Should the amount paid or awarded in settlement against the Insured exceed the Limits of Indemnity stated in
the Schedule the liability of the Insurers for payments as detailed in 1. to 3. above will be limited to the same
proportion as the Limits of Indemnity bear to the amount paid or awarded in settlement.
The Insurers' obligations under the provisions set out above shall, however, cease if any aggregate
this Policy is exhausted. If this happens the Insured shall have the right to take over control of proceedings from the
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
3. all contracts which are current at the inception of this Policy and which have been accepted by the insurers on a
4. any Tarbox Agreement entered into in the normal course and practice of the Insured's business. The protection
limited to the coverage provided
The Insurers will defend any legal action which is brought against the Insured alleging Bodily Injury or Property
be false or fraudulent, but
settlement of any claim or suit as they
Insurers will pay the costs and expenses set out in the following paragraphs in addition to any
1. legal costs and expenses which are incurred by the Insurers in defending any action against the Insured, including
nection with any legal action, although the Insurers
5. expenses reasonably incurred at the request of the Insurers in connection with any legal action, although the
employed by them.
The Insurers' obligations under the provisions set out above shall, however, cease if any aggregate limit applicable to
control of proceedings from the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Notwithstanding any of the above, the Insurers shall have the right to tender the applicable Limit of
settlement of a claim if they consider it to be appropriate to do so. In this event the
Policy will cease as regards the claim.
ADDITIONAL COSTS AND EXPENSES
The Insurers will, subject to their prior approval being obtained
Policy, and up to the amount stated in the Schedule, any costs and expenses
against the Insured as a direct result of an Occurrence for which
The Insurers' prior approval will not, however, be required for necessary emergency medical
following an Occurrence.
REASONABLE CARE
The Insured will take all reasonable care to ensure that their premises, storage faciliti
installations and vehicles are kept fully maintained, clean and in proper working order in
highest standards of the industry. The Insured shall provide all safeguards and
accidents.
COMPLIANCE WITH RELEVANT REQUIREMENTS
The Insured will comply at all times with all laws, regulations and civil instructions relevant to their
CROSS LIABILITY
The inclusion of additional Insureds in any part of this Policy shall not preclude the
the Schedule to protection under this Policy from claims made against them by the
employees.
However, this Condition shall not apply to claims made by the Insured against the additional
employees.
LIMITATION OF INDEMNITY
Even though this Policy may apply to more than one Insured, whether additional or otherwise, the
the Insurers under this Policy in respect of any or all Insureds will not exceed the
Schedule.
CLAIMS PROCEDURE
The Insured must fully comply with the following procedures before the Insurers shall be obliged to
of any amounts under this Policy.
The Insured must :-
1. notify the Insurers, by the quickest means possible, of any Occurrence or event which could result
this Policy, including details of:-
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Notwithstanding any of the above, the Insurers shall have the right to tender the applicable Limit of
settlement of a claim if they consider it to be appropriate to do so. In this event the Insurers' obligations under this
ADDITIONAL COSTS AND EXPENSES
The Insurers will, subject to their prior approval being obtained, pay, in addition to any amounts
Policy, and up to the amount stated in the Schedule, any costs and expenses necessarily incurred by or charged
against the Insured as a direct result of an Occurrence for which coverage is provided by this Policy.
The Insurers' prior approval will not, however, be required for necessary emergency medical
The Insured will take all reasonable care to ensure that their premises, storage faciliti
installations and vehicles are kept fully maintained, clean and in proper working order in
highest standards of the industry. The Insured shall provide all safeguards and take all precautions to prevent
COMPLIANCE WITH RELEVANT REQUIREMENTS
The Insured will comply at all times with all laws, regulations and civil instructions relevant to their
The inclusion of additional Insureds in any part of this Policy shall not preclude the rights of the
the Schedule to protection under this Policy from claims made against them by the additional Insureds or their
However, this Condition shall not apply to claims made by the Insured against the additional
Even though this Policy may apply to more than one Insured, whether additional or otherwise, the
the Insurers under this Policy in respect of any or all Insureds will not exceed the Limits of Indemnity stated in the
The Insured must fully comply with the following procedures before the Insurers shall be obliged to
the quickest means possible, of any Occurrence or event which could result
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Notwithstanding any of the above, the Insurers shall have the right to tender the applicable Limit of Indemnity in
Insurers' obligations under this
, pay, in addition to any amounts payable under this
necessarily incurred by or charged
this Policy.
The Insurers' prior approval will not, however, be required for necessary emergency medical expenses incurred
The Insured will take all reasonable care to ensure that their premises, storage facilities, ways, equipment,
installations and vehicles are kept fully maintained, clean and in proper working order in accordance with the
take all precautions to prevent
The Insured will comply at all times with all laws, regulations and civil instructions relevant to their business.
rights of the Insured stated in
additional Insureds or their
However, this Condition shall not apply to claims made by the Insured against the additional Insureds or their
Even though this Policy may apply to more than one Insured, whether additional or otherwise, the total liability of
of Indemnity stated in the
The Insured must fully comply with the following procedures before the Insurers shall be obliged to make payment
the quickest means possible, of any Occurrence or event which could result in a claim under
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(a) the nature and place of the Occurrence or event.
(b) deaths, injuries and damage to property.
(c) names and addresses of any witnesses.
(d) the name and telephone number of a contact for further information.
Any information given by telephone, telex or facsimile must be confirmed by mail.
2. help the Insurers at investigations, hearings, trials, inquests and the like, as a
3. send to the Insurers any documents received when a claim is made or a suit is filed against them.
The Insured must not :-
1. act in any way to the detriment of the Insurers.
2. make statements without the permission of the Insurers
person.
3. make promises to pay amounts to any person other than the cost of providing emergency services
imperative at the time and place of an Occurrence.
Such payment shall not constitute an admission of liability of the Insured or the Insurers to pay
4. assume or admit any liability without the permission of the Insurers.
ASSIGNMENT
The Insured's interest under this Policy cannot be assigned without the prior
SUBROGATION
When the Insurers pay a claim under this Policy they will be entitled to take over the Insured's rights
against any other person or organisation and to institute legal proceedings in the Insured's
The Insured must not do anything that will interfere with the Insurers' ability to make such
assist in every way possible and to give evidence if necessary.
The Insurers shall have the right to request that the Insured's rights be
unreasonably withheld.
CHANGES
A notice to an agent or knowledge possessed by an agent or by any other person shall not effect a
of this Policy or prevent the Insurers from asserting their right
Policy by the addition of Endorsements issued by the Insurers.
LOCAL LAWS
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(a) the nature and place of the Occurrence or event.
(d) the name and telephone number of a contact for further information.
Any information given by telephone, telex or facsimile must be confirmed by mail.
2. help the Insurers at investigations, hearings, trials, inquests and the like, as and when required.
3. send to the Insurers any documents received when a claim is made or a suit is filed against them.
1. act in any way to the detriment of the Insurers.
2. make statements without the permission of the Insurers other than to a government official or
3. make promises to pay amounts to any person other than the cost of providing emergency services
imperative at the time and place of an Occurrence.
ute an admission of liability of the Insured or the Insurers to pay
4. assume or admit any liability without the permission of the Insurers.
The Insured's interest under this Policy cannot be assigned without the prior permission of the
When the Insurers pay a claim under this Policy they will be entitled to take over the Insured's rights
against any other person or organisation and to institute legal proceedings in the Insured's name.
The Insured must not do anything that will interfere with the Insurers' ability to make such
assist in every way possible and to give evidence if necessary.
The Insurers shall have the right to request that the Insured's rights be assigned to them, such
A notice to an agent or knowledge possessed by an agent or by any other person shall not effect a
of this Policy or prevent the Insurers from asserting their rights under this Policy; changes can only be made to this
Policy by the addition of Endorsements issued by the Insurers.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
nd when required.
3. send to the Insurers any documents received when a claim is made or a suit is filed against them.
other than to a government official or other authorised
3. make promises to pay amounts to any person other than the cost of providing emergency services which are
ute an admission of liability of the Insured or the Insurers to pay under this Policy.
permission of the Insurers.
When the Insurers pay a claim under this Policy they will be entitled to take over the Insured's rights of recovery
name.
The Insured must not do anything that will interfere with the Insurers' ability to make such recovery and agrees to
assigned to them, such request not to be
A notice to an agent or knowledge possessed by an agent or by any other person shall not effect a change to any part
changes can only be made to this
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
This Policy is amended to comply with any local laws or any international statutes, rules or regulations
affect the coverage provided by this Policy.
However, the Insurers will not pay claims:
(a) for coverages which are outside the scope of this Policy.
(b) in excess of the Limits of Indemnity stated in the Schedule.
If the Insurers are obliged to pay any amounts
applied, the Insured will reimburse the Insurers with those amounts.
JURISDICTION
This Policy has been constructed and any dispute or difference arising between the Insured and the
Insurers concerning the formation or execution of this Policy shall be settled in accordance with Indian
Law.
ARBITRATION
Any dispute or difference between the Insured and the Insurers shall be submitted to arbitration in
India in accordance with the statutory provisions for arbitration for the time being in force.
CANCELLATION
Both the Insured and the Insurers have the right to cancel this Policy by either party giving the other
of the intention to do so.
If the Insured cancels the Policy the Insurers will retain short rate of the premium calculated in
customary short rate cancellation scale.
If the Insurers cancel they will retain a proportionate part of the premium, calculated on a daily basis.
DEFINITIONS
The following words shall have the meanings set out below wherever used in this Policy.
"Bodily Injury" means physical injury sustained by any person, or sickness, disease, disability, shock,
or mental anguish, including death at any time resulting theref
"Occurrence" means an accident or a continued or repeated exposure to conditions occurring during
Period which results in Bodily Injury or Property Damage, provided that such Bodily Injury
unexpectedly caused. All Bodily Injury and/or Property Damage arising out of
general conditions shall be deemed to arise out of one
"Property Damage" means damage to or destruction of property and the resultant loss of use of such
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
This Policy is amended to comply with any local laws or any international statutes, rules or regulations
coverage provided by this Policy.
However, the Insurers will not pay claims:-
(a) for coverages which are outside the scope of this Policy.
(b) in excess of the Limits of Indemnity stated in the Schedule.
If the Insurers are obliged to pay any amounts which they would not have had to pay if this Condition had not
applied, the Insured will reimburse the Insurers with those amounts.
This Policy has been constructed and any dispute or difference arising between the Insured and the
oncerning the formation or execution of this Policy shall be settled in accordance with Indian
Any dispute or difference between the Insured and the Insurers shall be submitted to arbitration in
provisions for arbitration for the time being in force.
Both the Insured and the Insurers have the right to cancel this Policy by either party giving the other
nsurers will retain short rate of the premium calculated in
If the Insurers cancel they will retain a proportionate part of the premium, calculated on a daily basis.
words shall have the meanings set out below wherever used in this Policy.
"Bodily Injury" means physical injury sustained by any person, or sickness, disease, disability, shock,
or mental anguish, including death at any time resulting therefrom.
"Occurrence" means an accident or a continued or repeated exposure to conditions occurring during
Period which results in Bodily Injury or Property Damage, provided that such Bodily Injury
ily Injury and/or Property Damage arising out of exposure to substantially the same
general conditions shall be deemed to arise out of one Occurrence.
"Property Damage" means damage to or destruction of property and the resultant loss of use of such
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
This Policy is amended to comply with any local laws or any international statutes, rules or regulations which may
which they would not have had to pay if this Condition had not
This Policy has been constructed and any dispute or difference arising between the Insured and the
oncerning the formation or execution of this Policy shall be settled in accordance with Indian
Any dispute or difference between the Insured and the Insurers shall be submitted to arbitration in
Both the Insured and the Insurers have the right to cancel this Policy by either party giving the other 30 days notice
nsurers will retain short rate of the premium calculated in accordance with the
If the Insurers cancel they will retain a proportionate part of the premium, calculated on a daily basis.
"Bodily Injury" means physical injury sustained by any person, or sickness, disease, disability, shock, mental injury
"Occurrence" means an accident or a continued or repeated exposure to conditions occurring during the Policy
Period which results in Bodily Injury or Property Damage, provided that such Bodily Injury or Property Damage is
exposure to substantially the same
"Property Damage" means damage to or destruction of property and the resultant loss of use of such
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
property.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DEALERS AND AGENTS EXTENSION ENDORSEMENT
This Policy is extended to apply to dealers and agents of the Insured whilst acting within the scope of their
only to the extent of the coverage as provided under the terms of this
The name of the Insured as stated in the Schedule is amended to include such dealers and agents.
However, the first named Insured on this Policy shall be responsible for the payment of the premium and shall
to any return premium. Every notice required or permitted by this Policy may be given to or by
in the Schedule.
Nevertheless, any Occurrences resulting in a claim under this Policy which could be the subject of a claim
policy(ies) carried by the dealers or agents covered hereunder shall not prejudice the cover
Policy, provided that the Insurers shall pay only such sum(s) for which the
policy(ies) in which case this Policy shall be regarded as an
In this event the following provisions will apply:
Liability shall only attach to the Insurers in respect of Occurrences covered under Sections 1 and 2 of this
after the Insurers of the other policy(ies) have paid the full Limit of Indemnity of the
In the event of a claim or claims which appear likely to exceed the Limit of Indemnity of the other polic
as detailed in the "Defence of Legal Actions and Payment of Costs and Expenses" provision
without the express permission of the Insurers.
In the event that the other policy(ies) is/are on an agg
payment of claims this Policy will pay the excess of the reduced limit or continue to protect the
the case may be.
The Insured will take all reasonable means to ensure that the other policy(ies) are maintained in full force and
effect.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
DEALERS AND AGENTS EXTENSION ENDORSEMENT
This Policy is extended to apply to dealers and agents of the Insured whilst acting within the scope of their
only to the extent of the coverage as provided under the terms of this Policy.
The name of the Insured as stated in the Schedule is amended to include such dealers and agents.
However, the first named Insured on this Policy shall be responsible for the payment of the premium and shall
. Every notice required or permitted by this Policy may be given to or by the first named Insured as stated
Nevertheless, any Occurrences resulting in a claim under this Policy which could be the subject of a claim
ies) carried by the dealers or agents covered hereunder shall not prejudice the cover afforded to the Insured under this
Policy, provided that the Insurers shall pay only such sum(s) for which the Insured has not been indemnified under any other
) in which case this Policy shall be regarded as an excess Policy over the other policy(ies).
In this event the following provisions will apply:-
Liability shall only attach to the Insurers in respect of Occurrences covered under Sections 1 and 2 of this
after the Insurers of the other policy(ies) have paid the full Limit of Indemnity of the policy(ies) in settlement of the claim.
In the event of a claim or claims which appear likely to exceed the Limit of Indemnity of the other polic
as detailed in the "Defence of Legal Actions and Payment of Costs and Expenses" provision of this Policy shall be incurred
without the express permission of the Insurers.
In the event that the other policy(ies) is/are on an aggregate limit basis and the policy(ies) are wholly or partially
payment of claims this Policy will pay the excess of the reduced limit or continue to protect the Insured as the primary policy as
reasonable means to ensure that the other policy(ies) are maintained in full force and
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
DEALERS AND AGENTS EXTENSION ENDORSEMENT
This Policy is extended to apply to dealers and agents of the Insured whilst acting within the scope of their duties as such but
However, the first named Insured on this Policy shall be responsible for the payment of the premium and shall alone be entitled
the first named Insured as stated
Nevertheless, any Occurrences resulting in a claim under this Policy which could be the subject of a claim under any other
afforded to the Insured under this
Insured has not been indemnified under any other
Liability shall only attach to the Insurers in respect of Occurrences covered under Sections 1 and 2 of this Policy and then only
policy(ies) in settlement of the claim.
In the event of a claim or claims which appear likely to exceed the Limit of Indemnity of the other policy(ies) no costs or expenses
of this Policy shall be incurred
regate limit basis and the policy(ies) are wholly or partially exhausted by
Insured as the primary policy as
reasonable means to ensure that the other policy(ies) are maintained in full force and
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
REFINERS AND DISTRIBUTORS EXTENSION ENDORSEMENT
This Policy is extended to apply to the legal liability of the Insured arising out of the Insured's business
and distributors of aviation fuels, lubricants and hydraulic fluids or as manufacturers and suppliers of
related equipment for use in connection with aircraft.
In respect of Section 1 the following is included under WHAT THIS SECTION
liability arising out of the use, by the Insured, of fuel lines, pipelines, fuel farms or bunkers or arising out of the
transport of fuels by land, sea, pipelines or other methods of conveyance other than on airport or heliport
In respect of Section 2 - WHAT THIS SECTION COVERS
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the Schedule, which
the Insured is held legally liable to pay, and
Damage arising out of products being aviation fuels, lubricants, hydraulic fluids or equipment manufactured,
treated, refined, sold, supplied or distributed by the Insured to others but only
and then only after the Insured has relinquished possession of the products.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
REFINERS AND DISTRIBUTORS EXTENSION ENDORSEMENT
This Policy is extended to apply to the legal liability of the Insured arising out of the Insured's business
and distributors of aviation fuels, lubricants and hydraulic fluids or as manufacturers and suppliers of
related equipment for use in connection with aircraft.
In respect of Section 1 the following is included under WHAT THIS SECTION DOES NOT COVER:
liability arising out of the use, by the Insured, of fuel lines, pipelines, fuel farms or bunkers or arising out of the
transport of fuels by land, sea, pipelines or other methods of conveyance other than on airport or heliport
WHAT THIS SECTION COVERS - shall be amended to read as follows:
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the Schedule, which
the Insured is held legally liable to pay, and shall pay, as compensatory damages for Bodily Injury or Property
Damage arising out of products being aviation fuels, lubricants, hydraulic fluids or equipment manufactured,
treated, refined, sold, supplied or distributed by the Insured to others but only such products related to aircraft
and then only after the Insured has relinquished possession of the products.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
REFINERS AND DISTRIBUTORS EXTENSION ENDORSEMENT
This Policy is extended to apply to the legal liability of the Insured arising out of the Insured's business as refiners
and distributors of aviation fuels, lubricants and hydraulic fluids or as manufacturers and suppliers of directly
DOES NOT COVER:-
liability arising out of the use, by the Insured, of fuel lines, pipelines, fuel farms or bunkers or arising out of the
transport of fuels by land, sea, pipelines or other methods of conveyance other than on airport or heliport premises.
shall be amended to read as follows:-
The Insurers will indemnify the Insured for all sums, up to the Limit of Indemnity stated in the Schedule, which
shall pay, as compensatory damages for Bodily Injury or Property
Damage arising out of products being aviation fuels, lubricants, hydraulic fluids or equipment manufactured,
such products related to aircraft
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION VI – AVIATION
AVIATION WAR, HI
LIABILITY (AVN52E)
WHEREAS the Insured has in force an Aviation Liability Insurance (hereinafter referred to as the “Primary Policy”)
containing the Extended Coverage Endorsement (Aviation Liabilities) as stated in Item 3. of the Policy Schedule.
AND WHEREAS paragraph 3 of said Extended Coverage Endorsement c
the Policy Schedule (the “Primary Limit”).
NOW this Insurance is to pay on behalf of the Insured, all sums, in excess of the Primary Limit stated in Item 4 (a) of
the Policy Schedule, which the Insured shall
damage caused by an occurrence during the Policy Period arising out of the Hazards Covered stated in Item 3 of the
Policy Schedule.
PROVIDED ALWAYS THAT :
1. Liability attaches to the Insurers only after the Primary Insurers have paid or have been held liable to pay the full
amount of their respective Ultimate Net Loss as set forth in Item 4 (a) of the Policy Schedule. The limit of the
Insurers' liability shall be such amount of Ultimat
Primary Policy and this Policy combined as set forth in Item 4 (b) of the Policy Schedule.
2. Notwithstanding the inclusion hereon of more than one Insured, whether by endorsement or other
liability of the Insurers in respect of any or all Insureds shall not exceed the Insurers' limit of liability as stated in
paragraph 1 above.
Exclusions
1. The Insurers shall not be liable to make any payment under this Policy as a result
to pay of the Primary Insurers for any reason whatsoever, including without limitation, any financial
insolvency or liquidation.
2. This Policy does not apply to claims excluded by
(a) the NUCLEAR RISKS EXCLUSION CLAUSE AVN38B;
(b) the NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE AVN46B;
(c) the DATE RECOGNITION EXCLUSION CLAUSE AVN2000A with write back as per Date Recognition
Coverage Clause AVN 2001A
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - AIRCRACT OPERATORS
AVIATION WAR, HI-JACKING AND OTHER PERILS EXCESS
LIABILITY (AVN52E)
Aviation Liability Insurance (hereinafter referred to as the “Primary Policy”)
containing the Extended Coverage Endorsement (Aviation Liabilities) as stated in Item 3. of the Policy Schedule.
AND WHEREAS paragraph 3 of said Extended Coverage Endorsement contains a sub-limit as stated in Item 4 (a) of
the Policy Schedule (the “Primary Limit”).
NOW this Insurance is to pay on behalf of the Insured, all sums, in excess of the Primary Limit stated in Item 4 (a) of
Policy Schedule, which the Insured shall become legally liable to pay as damages for bodily injury or property
caused by an occurrence during the Policy Period arising out of the Hazards Covered stated in Item 3 of the
Insurers only after the Primary Insurers have paid or have been held liable to pay the full
amount of their respective Ultimate Net Loss as set forth in Item 4 (a) of the Policy Schedule. The limit of the
Insurers' liability shall be such amount of Ultimate Net Loss as will provide the Insured with total limits under the
Primary Policy and this Policy combined as set forth in Item 4 (b) of the Policy Schedule.
2. Notwithstanding the inclusion hereon of more than one Insured, whether by endorsement or other
liability of the Insurers in respect of any or all Insureds shall not exceed the Insurers' limit of liability as stated in
1. The Insurers shall not be liable to make any payment under this Policy as a result of the inability, refusal or
to pay of the Primary Insurers for any reason whatsoever, including without limitation, any financial
2. This Policy does not apply to claims excluded by
EXCLUSION CLAUSE AVN38B;
(b) the NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE AVN46B;
(c) the DATE RECOGNITION EXCLUSION CLAUSE AVN2000A with write back as per Date Recognition
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
AIRCRACT OPERATORS
AND OTHER PERILS EXCESS
Aviation Liability Insurance (hereinafter referred to as the “Primary Policy”)
containing the Extended Coverage Endorsement (Aviation Liabilities) as stated in Item 3. of the Policy Schedule.
limit as stated in Item 4 (a) of
NOW this Insurance is to pay on behalf of the Insured, all sums, in excess of the Primary Limit stated in Item 4 (a) of
become legally liable to pay as damages for bodily injury or property
caused by an occurrence during the Policy Period arising out of the Hazards Covered stated in Item 3 of the
Insurers only after the Primary Insurers have paid or have been held liable to pay the full
amount of their respective Ultimate Net Loss as set forth in Item 4 (a) of the Policy Schedule. The limit of the
e Net Loss as will provide the Insured with total limits under the
2. Notwithstanding the inclusion hereon of more than one Insured, whether by endorsement or otherwise, the total
liability of the Insurers in respect of any or all Insureds shall not exceed the Insurers' limit of liability as stated in
of the inability, refusal or failure
to pay of the Primary Insurers for any reason whatsoever, including without limitation, any financial impairment,
(c) the DATE RECOGNITION EXCLUSION CLAUSE AVN2000A with write back as per Date Recognition Limited
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(d) the CONTRACTS (RIGHTS OF THIR
(e) the ASBESTOS EXCLUSION CLAUSE 2488AGM00003
Definitions
1. The term "Ultimate Net Loss" means the amount payable in settlement of the liability of the Insured after making
deductions for all recoveries and other valid and collectible insurances, excepting however the Primary Policy,
and shall exclude all Costs.
2. The term "Costs" means interest accruing after entry of judgement, investigation, adjustment and legal
(excluding, however, all office expenses of the Insured, all expenses for salaried employees of the
general retainer fees for counsel normally paid by the Insured).
Conditions
1. Cancellation
This Policy is subject to, and shall be deemed to
Cancellation provisions as are set out in the Extended Coverage Endorsement (Aviation Liabilities) AVN 52E as
stated in Item 3 of the Policy Schedule, except that the cancellation notice period in
Endorsement (Aviation Liabilities) is amended, for the purpose of this Policy, to 30 (days).
2. Incurring of Costs
In the event of claim or claims arising which appear likely to exceed the Primary Limit, no Costs shall be
the Insured without the consent of the Insurers.
3. Apportionment of Costs
Costs incurred by or on behalf of the Insured with the consent of the Insurers, and for which the Insured is not
covered by the Primary Insurers, shall be apportioned as
(a) Should any claim or claims become adjustable prior to the commencement of trial for not more than the
Limit, then no Costs shall be payable by the Insurers.
(b) Should, however, the amount for which the said claim or claims may be
then the Insurers, if they consent to the proceedings continuing, shall contribute to the
of the Insured in the ratio that their proportion of the Ultimate Net Loss
amount of such Ultimate Net Loss.
(c) In the event that the Insured elects not to appeal a judgement in excess of the Primary Limit the
elect to conduct such appeal at their own cost and expense and shall be liable for the
incidental thereto, but in no event shall the total liability of the Insurers
herein, plus the expenses of such appeal.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
(d) the CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE AVN72;
(e) the ASBESTOS EXCLUSION CLAUSE 2488AGM00003 attached to this Policy.
The term "Ultimate Net Loss" means the amount payable in settlement of the liability of the Insured after making
deductions for all recoveries and other valid and collectible insurances, excepting however the Primary Policy,
The term "Costs" means interest accruing after entry of judgement, investigation, adjustment and legal
(excluding, however, all office expenses of the Insured, all expenses for salaried employees of the
general retainer fees for counsel normally paid by the Insured).
This Policy is subject to, and shall be deemed to incorporate the same Automatic Termination and Review and
Cancellation provisions as are set out in the Extended Coverage Endorsement (Aviation Liabilities) AVN 52E as
stated in Item 3 of the Policy Schedule, except that the cancellation notice period in
Endorsement (Aviation Liabilities) is amended, for the purpose of this Policy, to 30 (days).
In the event of claim or claims arising which appear likely to exceed the Primary Limit, no Costs shall be
the Insured without the consent of the Insurers.
Costs incurred by or on behalf of the Insured with the consent of the Insurers, and for which the Insured is not
covered by the Primary Insurers, shall be apportioned as follows:-
(a) Should any claim or claims become adjustable prior to the commencement of trial for not more than the
Limit, then no Costs shall be payable by the Insurers.
(b) Should, however, the amount for which the said claim or claims may be so adjustable exceed the
then the Insurers, if they consent to the proceedings continuing, shall contribute to the Costs incurred by or on behalf
of the Insured in the ratio that their proportion of the Ultimate Net Loss as finally adjusted
(c) In the event that the Insured elects not to appeal a judgement in excess of the Primary Limit the
elect to conduct such appeal at their own cost and expense and shall be liable for the taxable court costs and interest
incidental thereto, but in no event shall the total liability of the Insurers exceed their limits of liability as provided for
herein, plus the expenses of such appeal.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
D PARTIES) ACT 1999 EXCLUSION CLAUSE AVN72;
The term "Ultimate Net Loss" means the amount payable in settlement of the liability of the Insured after making
deductions for all recoveries and other valid and collectible insurances, excepting however the Primary Policy,
The term "Costs" means interest accruing after entry of judgement, investigation, adjustment and legal expenses
(excluding, however, all office expenses of the Insured, all expenses for salaried employees of the Insured and
incorporate the same Automatic Termination and Review and
Cancellation provisions as are set out in the Extended Coverage Endorsement (Aviation Liabilities) AVN 52E as
stated in Item 3 of the Policy Schedule, except that the cancellation notice period in paragraph 5 (c) of that
In the event of claim or claims arising which appear likely to exceed the Primary Limit, no Costs shall be incurred by
Costs incurred by or on behalf of the Insured with the consent of the Insurers, and for which the Insured is not
(a) Should any claim or claims become adjustable prior to the commencement of trial for not more than the Primary
so adjustable exceed the Primary Limit,
Costs incurred by or on behalf
as finally adjusted bears to the whole
(c) In the event that the Insured elects not to appeal a judgement in excess of the Primary Limit the Insurers may
taxable court costs and interest
exceed their limits of liability as provided for
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. Application of Recoveries
All recoveries or payments recovered or received subsequent to a loss settlement under this Policy shall be
as if recovered or received prior to such settlement and all necessary adjustments shall then be made
Insured and the Insurers, provided always that not
this Policy are not payable until the Insured's Ultimate Net Loss has been finally ascertained.
5. Attachment of Liability
Liability to pay under this Policy shall not attach unless and unti
for the Primary Limit or unless and until the Insured has by final judgement been adjudged to pay an
exceeds such Primary Limit and then only after the Primary Insurers have paid or been
amount of the Primary Limit.
6. Maintenance of Primary Policy
It is a condition of this Policy that the Primary Policy shall be maintained in full effect during the currency of this
Policy except for any reduction or exhaustion
in respect of occurrences during the Policy Period. However, failure to maintain the Primary Policy in full
except as provided above, shall not invalidate cover under this Polic
only be liable to the same extent as they would have been had the Primary Policy been
To the extent of the coverage provided by this Policy, this Policy is subject to the same wa
definitions and exclusions (except as regards the premium, the obligation to investigate and defend,
agreement, if any, the amount and limits of liability other than the deductible or self
applicable, AND EXCEPT AS OTHERWISE PROVIDED HEREIN) as are contained in or may
Primary Policy prior to the happening of an occurrence for which claim is made hereunder.
To the extent that the Primary Policy incorporates the provisions of
Insured this Policy shall likewise apply.
In the event the occurrence limit under the Primary Policy is fully exhausted through payment of claims and
as a result of settling the Insured’s liability to the
cargo and mail while it is on board the aircraft arising out of the Insured’s operation of aircraft,
none of the Primary Limit as stated herein available for
Policy will respond to the Insured’s legal liability to third parties up to the limit of liability as
and subject to any aggregate limit stated herein not being exceeded.
7. Notification of Claims
In the event of an occurrence likely to give rise to a claim hereunder notice shall be given by the Insured to the
Insurers via the address set forth in Item 8 of the Policy Schedule as soon as reasonably possible.
All Insurers to follow Slip Leader in the application of any notices under AVN 52E
8. False or Fraudulent Claims
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ts recovered or received subsequent to a loss settlement under this Policy shall be
as if recovered or received prior to such settlement and all necessary adjustments shall then be made
Insured and the Insurers, provided always that nothing in this Policy shall be construed to mean
this Policy are not payable until the Insured's Ultimate Net Loss has been finally ascertained.
Liability to pay under this Policy shall not attach unless and until the Primary Insurers shall have admitted
for the Primary Limit or unless and until the Insured has by final judgement been adjudged to pay an
exceeds such Primary Limit and then only after the Primary Insurers have paid or been held
It is a condition of this Policy that the Primary Policy shall be maintained in full effect during the currency of this
Policy except for any reduction or exhaustion of the aggregate limits contained therein solely by payment of
in respect of occurrences during the Policy Period. However, failure to maintain the Primary Policy in full
except as provided above, shall not invalidate cover under this Policy but in the event of such failure
only be liable to the same extent as they would have been had the Primary Policy been maintained in full effect.
To the extent of the coverage provided by this Policy, this Policy is subject to the same warranties, terms,
definitions and exclusions (except as regards the premium, the obligation to investigate and defend,
agreement, if any, the amount and limits of liability other than the deductible or self-insurance
applicable, AND EXCEPT AS OTHERWISE PROVIDED HEREIN) as are contained in or may
Primary Policy prior to the happening of an occurrence for which claim is made hereunder.
To the extent that the Primary Policy incorporates the provisions of contracts and agreements entered into by
In the event the occurrence limit under the Primary Policy is fully exhausted through payment of claims and
as a result of settling the Insured’s liability to their passengers (and for their baggage and personal
cargo and mail while it is on board the aircraft arising out of the Insured’s operation of aircraft,
none of the Primary Limit as stated herein available for settlement of the Insured’s third
Policy will respond to the Insured’s legal liability to third parties up to the limit of liability as
and subject to any aggregate limit stated herein not being exceeded.
In the event of an occurrence likely to give rise to a claim hereunder notice shall be given by the Insured to the
Insurers via the address set forth in Item 8 of the Policy Schedule as soon as reasonably possible.
follow Slip Leader in the application of any notices under AVN 52E
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
ts recovered or received subsequent to a loss settlement under this Policy shall be applied
as if recovered or received prior to such settlement and all necessary adjustments shall then be made between the
hing in this Policy shall be construed to mean that losses under
this Policy are not payable until the Insured's Ultimate Net Loss has been finally ascertained.
l the Primary Insurers shall have admitted liability
for the Primary Limit or unless and until the Insured has by final judgement been adjudged to pay an amount which
held liable to pay the full
It is a condition of this Policy that the Primary Policy shall be maintained in full effect during the currency of this
of the aggregate limits contained therein solely by payment of claims
in respect of occurrences during the Policy Period. However, failure to maintain the Primary Policy in full effect,
y but in the event of such failure Insurers shall
maintained in full effect.
rranties, terms, conditions,
definitions and exclusions (except as regards the premium, the obligation to investigate and defend, the renewal
insurance provision where
applicable, AND EXCEPT AS OTHERWISE PROVIDED HEREIN) as are contained in or may be added to the
contracts and agreements entered into by the
In the event the occurrence limit under the Primary Policy is fully exhausted through payment of claims and where
ir passengers (and for their baggage and personal effects) and/or for
cargo and mail while it is on board the aircraft arising out of the Insured’s operation of aircraft, there is less than or
settlement of the Insured’s third party claims, then this
Policy will respond to the Insured’s legal liability to third parties up to the limit of liability as provided by this Policy
In the event of an occurrence likely to give rise to a claim hereunder notice shall be given by the Insured to the
Insurers via the address set forth in Item 8 of the Policy Schedule as soon as reasonably possible.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
If the Insured shall make any claim, knowing the same to be false or fraudulent as regards amount or otherwise,
Policy shall become void and all claims hereunder shall be forfeited.
9. Law and Jurisdiction
In the event of any dispute arising hereunder this Policy is subject to the law and jurisdiction as stated in the
Policy or, in the event that law and jurisdiction is not stated in the Primary
domicile of the Insured.
10. Variation in Risk
Should there be any change in the operation of the Insured which might reasonably be
increasing their risk in degree or frequency, immediate
Notification of all additions of aircraft as required to be given under the Primary Policy shall
Insurers hereon, however notification of the addition of cargo aircraft
Insurers as soon as practicable but in no event
Attachment No.1
NUCLEAR RISKS EXCLUSION CLAUSE
(1) This Policy does not cover:
(i) loss of or destruction of or damage to any pr
arising therefrom or any consequential loss
(ii) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
(a) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or
component thereof;
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other
properties of, any other radioactive material in the course of carriage as cargo, including
incidental thereto;
(c) ionising radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
of, any other radioactive source whatsoever.
(2) It is understood and agreed that such radioactive material or other radioactive source in paragraph (1)(b) and
(c) above shall not include:
(i) depleted uranium and natural uranium in any form;
(ii) radioisotopes which have reached the final sta
agricultural, commercial, educational or industrial purpose.
(3) This Policy, however, does not cover loss of or destruction of or damage to any property or any consequential
loss or any legal liability of whatsoever nature with respect to which:
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance
including any nuclear energy liability policy; or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
If the Insured shall make any claim, knowing the same to be false or fraudulent as regards amount or otherwise,
hereunder shall be forfeited.
In the event of any dispute arising hereunder this Policy is subject to the law and jurisdiction as stated in the
Policy or, in the event that law and jurisdiction is not stated in the Primary Policy, the law and
Should there be any change in the operation of the Insured which might reasonably be regarded by the Insurers as
increasing their risk in degree or frequency, immediate notice thereof shall be given to the Insurers.
Notification of all additions of aircraft as required to be given under the Primary Policy shall
Insurers hereon, however notification of the addition of cargo aircraft under the Primary Policy shall be given to the
Insurers as soon as practicable but in no event later than fourteen (14) days after attachment.
NUCLEAR RISKS EXCLUSION CLAUSE
(i) loss of or destruction of or damage to any property whatsoever or any loss or expense whatsoever
arising therefrom or any consequential loss
(ii) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
explosive or other hazardous properties of any explosive nuclear assembly or
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other
ive material in the course of carriage as cargo, including
(c) ionising radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous
ever.
(2) It is understood and agreed that such radioactive material or other radioactive source in paragraph (1)(b) and
(i) depleted uranium and natural uranium in any form;
(ii) radioisotopes which have reached the final stage of fabrication so as to be usable for any scientific,
agricultural, commercial, educational or industrial purpose.
(3) This Policy, however, does not cover loss of or destruction of or damage to any property or any consequential
legal liability of whatsoever nature with respect to which:
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance
including any nuclear energy liability policy; or
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
If the Insured shall make any claim, knowing the same to be false or fraudulent as regards amount or otherwise, this
In the event of any dispute arising hereunder this Policy is subject to the law and jurisdiction as stated in the Primary
Policy, the law and jurisdiction of the
regarded by the Insurers as
thereof shall be given to the Insurers.
Notification of all additions of aircraft as required to be given under the Primary Policy shall also be given to the
y Policy shall be given to the
operty whatsoever or any loss or expense whatsoever resulting or
explosive or other hazardous properties of any explosive nuclear assembly or nuclear
(b) the radioactive properties of, or a combination of radioactive properties with toxic, explosive or other hazardous
ive material in the course of carriage as cargo, including storage or handling
(c) ionising radiations or contamination by radioactivity from, or the toxic, explosive or other hazardous properties
(2) It is understood and agreed that such radioactive material or other radioactive source in paragraph (1)(b) and
ge of fabrication so as to be usable for any scientific, medical,
(3) This Policy, however, does not cover loss of or destruction of or damage to any property or any consequential
(i) the Insured under this Policy is also an insured or an additional insured under any other insurance policy,
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
(ii) any person or organization is required to maintain financial protection pursuant to legislation in any
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification
any government or agency thereof.
(4) Loss, destruction, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph (2) shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy)
covered, provided that:
(i) in the case of any claim in respect of radioactive material in the course of carriage as cargo, including
handling incidental thereto, such carriage shall in all respects have complied with the full
Aviation Organization "Technical Instructions for the Safe Transport of Dangerous
carriage shall have been subject to any more restrictive legislation, when it
such legislation;
(ii) this Policy shall only apply to an incide
Insured against the Insurers or by any claimant against the Insured arising out of such
within three years after the date thereof;
(iii) in the case of any claim for the loss of or destruction of or damage to or loss of use of an aircraft
contributed to by radioactive contamination, the level of such contamination shall have
permissible level set out in the following scale
Emitter (IAEA Health and Safety Regulations)
Beta, gamma and low toxicity alpha emitters
All other emitters
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of
AVN38B
22.7.96
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
required to maintain financial protection pursuant to legislation in any
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification
tion, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph (2) shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy)
se of any claim in respect of radioactive material in the course of carriage as cargo, including
handling incidental thereto, such carriage shall in all respects have complied with the full
structions for the Safe Transport of Dangerous Goods by Air", unless the
carriage shall have been subject to any more restrictive legislation, when it shall in all respects have complied with
(ii) this Policy shall only apply to an incident happening during the period of this Policy and where any
Insured against the Insurers or by any claimant against the Insured arising out of such incident shall have been made
ny claim for the loss of or destruction of or damage to or loss of use of an aircraft
contributed to by radioactive contamination, the level of such contamination shall have
permissible level set out in the following scale:
(IAEA Health and Safety Regulations)
Maximum permissible level of non-fixed radioactive surface
contamination (Averaged over 300 cm2)
Beta, gamma and low toxicity alpha emitters Not exceeding 4 Bequerels/cm2 (10-4 microcuries/cm2)
Not exceeding 0.4 Bequerels/cm2 (10-5 microcuries/cm2)
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
required to maintain financial protection pursuant to legislation in any country; or
(iii) the Insured under this Policy is, or had this Policy not been issued would be, entitled to indemnification from
tion, damage, expense or legal liability in respect of the nuclear risks not excluded by reason of
paragraph (2) shall (subject to all other terms, conditions, limitations, warranties and exclusions of this Policy) be
se of any claim in respect of radioactive material in the course of carriage as cargo, including storage or
handling incidental thereto, such carriage shall in all respects have complied with the full International Civil
Goods by Air", unless the
shall in all respects have complied with
nt happening during the period of this Policy and where any claim by the
incident shall have been made
ny claim for the loss of or destruction of or damage to or loss of use of an aircraft caused by or
exceeded the maximum
radioactive surface
microcuries/cm2)
microcuries/cm2)
(iv) the cover afforded hereby may be cancelled at any time by the Insurers giving seven days' notice of cancellation.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
NOISE AND POLLUTION AND
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated
(b) pollution and contamination of any kind whatsoever,
(c) electrical and electromagnetic interference,
(d) interference with the use of property;
unless caused by or resulting in a crash fire explosion or collision or a recorded in
abnormal aircraft operation.
2. With respect to any provision in the Policy concerning any duty of Insurers to investigate or defend claims, such
provision shall not apply and Insurers shall not be required to defend
(a) claims excluded by Paragraph 1 or
(b) a claim or claims covered by the Policy when combined with any claims excluded by Paragraph 1
below as "Combined Claims").
3. In respect of any Combined Claims, Insurers shall (subject to proof of loss and the limits o
reimburse the Insured for that portion of the following items which may be allocated to the claims covered by the
Policy:
(i) damages awarded against the Insured and
(ii) defence fees and expenses incurred by the Insured.
4. Nothing herein shall override any radioactive contamination or other exclusion clause attached to or forming
of this Policy.
AVN46B
1.10.96
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Attachment No.2
NOISE AND POLLUTION AND OTHER PERILS EXCLUSION CLAUSE
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated
(b) pollution and contamination of any kind whatsoever,
(c) electrical and electromagnetic interference,
(d) interference with the use of property;
unless caused by or resulting in a crash fire explosion or collision or a recorded in-flight emergency causing
2. With respect to any provision in the Policy concerning any duty of Insurers to investigate or defend claims, such
provision shall not apply and Insurers shall not be required to defend
(b) a claim or claims covered by the Policy when combined with any claims excluded by Paragraph 1
3. In respect of any Combined Claims, Insurers shall (subject to proof of loss and the limits of the Policy)
reimburse the Insured for that portion of the following items which may be allocated to the claims covered by the
(i) damages awarded against the Insured and
(ii) defence fees and expenses incurred by the Insured.
shall override any radioactive contamination or other exclusion clause attached to or forming
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
OTHER PERILS EXCLUSION CLAUSE
1. This Policy does not cover claims directly or indirectly occasioned by, happening through or in consequence of:-
(a) noise (whether audible to the human ear or not), vibration, sonic boom and any phenomena associated therewith,
emergency causing
2. With respect to any provision in the Policy concerning any duty of Insurers to investigate or defend claims, such
(b) a claim or claims covered by the Policy when combined with any claims excluded by Paragraph 1 (referred to
f the Policy)
reimburse the Insured for that portion of the following items which may be allocated to the claims covered by the
shall override any radioactive contamination or other exclusion clause attached to or forming part
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DATE RECOGNITION EXCLUSION CLAUSE
This Policy does not cover any claim, damage, injury, loss, cost,
negligence, product liability, misrepresentation, fraud or otherwise) of any nature
occasioned by or in consequence of (whether directly or indirectly and
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or
equipment or system (whether in the possession of the Insured or of
process, exchange or transfer year, date or time
time; whether on or before or after such change of year, date or time;
(b) any implemented or attempted change or modification of any computer hardware, sof
chip or information technology equipment or system (whether in the
in anticipation of or in response to any such
in connection with any such change or modification;
(c) any non-use or unavailability for use of any property or equipment of any kind whatsoever
act, failure to act or decision of the Insured or of any third party related to
and any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall
any claims so excluded.
AVN2000A
14.3.01
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Attachment No.3
DATE RECOGNITION EXCLUSION CLAUSE
This Policy does not cover any claim, damage, injury, loss, cost, expense or liability (whether in
negligence, product liability, misrepresentation, fraud or otherwise) of any nature whatsoever arising from or
occasioned by or in consequence of (whether directly or indirectly and whether wholly or partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or
equipment or system (whether in the possession of the Insured or of any third party) accurately or completely to
or transfer year, date or time data or information in connection with any change of year, date or
whether on or before or after such change of year, date or time;
(b) any implemented or attempted change or modification of any computer hardware, software,
chip or information technology equipment or system (whether in the possession of the Insured or of any third party)
in anticipation of or in response to any such change of year, date or time, or any advice given or services perfo
any such change or modification;
use or unavailability for use of any property or equipment of any kind whatsoever
act, failure to act or decision of the Insured or of any third party related to any such change of year, date or time;
and any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
expense or liability (whether in contract, tort,
whatsoever arising from or
partly):
(a) the failure or inability of any computer hardware, software, integrated circuit, chip or information technology
any third party) accurately or completely to
data or information in connection with any change of year, date or
tware, integrated circuit,
possession of the Insured or of any third party)
change of year, date or time, or any advice given or services performed
use or unavailability for use of any property or equipment of any kind whatsoever resulting from any
uch change of year, date or time;
and any provision in this Policy concerning any duty of Insurers to investigate or defend claims shall not apply to
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
DATE RECOGNITION LIMITED COVERAGE CLAUSE
WHEREAS the Policy of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
AVN 2000A), it is hereby understood and agreed that, subject to all terms and
Clause AVN 2000A shall not apply :
(1) to any accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
(2) to any sums which the Insured shall become legally liable to pay, and (if so required by the Policy) shall pay
(including costs awarded against the Insured) i
(d) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft;
(e) loss of or damage to baggage and personal articles of passengers, mail and cargo caused by an
Insured Aircraft; and/or
(f) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured
any person or object falling therefrom.
PROVIDED THAT :
1. Coverage provided pursuant to this Endorsement shall be sub
exclusions and cancellation provisions of the Policy (except as
Endorsement extends coverage beyond that
which is provided by the Policy.
2. Nothing in this Endorsement shall provide any coverage :
(c) in respect of grounding of any aircraft, and/or
(d) in respect of loss of use of any property unless it arises out of physical damage to or destruction of
the accident giving rise to a claim under the Policy.
3. The Insured recognises that the Insurers consider the information provided by the Insured in
and/or other documentation provided, to be material to their decision to
agrees that it has a continuing obligation to
additional material facts relating to the Date Recognition Conformity of the Insured’s operations, equipment and
products.
14.03.2001
AVN 2001A
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
DATE RECOGNITION LIMITED COVERAGE CLAUSE
of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
AVN 2000A), it is hereby understood and agreed that, subject to all terms and provisions of this Endorsement,
accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
(2) to any sums which the Insured shall become legally liable to pay, and (if so required by the Policy) shall pay
(including costs awarded against the Insured) in respect of :
(d) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft;
(e) loss of or damage to baggage and personal articles of passengers, mail and cargo caused by an
(f) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured
1. Coverage provided pursuant to this Endorsement shall be subject to all terms, conditions,
exclusions and cancellation provisions of the Policy (except as specifically provided herein), and nothing in this
Endorsement extends coverage beyond that
ng in this Endorsement shall provide any coverage :
(c) in respect of grounding of any aircraft, and/or
(d) in respect of loss of use of any property unless it arises out of physical damage to or destruction of
im under the Policy.
3. The Insured recognises that the Insurers consider the information provided by the Insured in
and/or other documentation provided, to be material to their decision to issue this Endorsement. The Insured further
agrees that it has a continuing obligation to disclose in writing to the Insurers during the Policy period any
to the Date Recognition Conformity of the Insured’s operations, equipment and
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
of which this Endorsement forms part includes the Date Recognition Exclusion Clause (Clause
provisions of this Endorsement,
accidental loss or damage to an aircraft defined in the Policy Schedule (“Insured Aircraft”);
(2) to any sums which the Insured shall become legally liable to pay, and (if so required by the Policy) shall pay
(d) accidental bodily injury, fatal or otherwise, to passengers caused by an accident to an Insured Aircraft; and/or
(e) loss of or damage to baggage and personal articles of passengers, mail and cargo caused by an accidental to an
(f) accidental bodily injury, fatal or otherwise, and accidental damage to property caused by an Insured aircraft or by
ject to all terms, conditions, limitations, warranties,
specifically provided herein), and nothing in this
(d) in respect of loss of use of any property unless it arises out of physical damage to or destruction of property in
3. The Insured recognises that the Insurers consider the information provided by the Insured in the application form,
issue this Endorsement. The Insured further
disclose in writing to the Insurers during the Policy period any
to the Date Recognition Conformity of the Insured’s operations, equipment and
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE
The rights of a person who is not a party to this insurance or reinsurance to enforce a term of this
reinsurance and/or not to have this insurance or reinsurance
virtue of the provisions of the Contracts (Rights of Third Parties) Act
reinsurance.
AVN 72
9.2.00
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Attachment No.4
CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE
The rights of a person who is not a party to this insurance or reinsurance to enforce a term of this
reinsurance and/or not to have this insurance or reinsurance rescinded, varied or altered without his consent by
virtue of the provisions of the Contracts (Rights of Third Parties) Act 1999 are excluded from this insurance or
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
CONTRACTS (RIGHTS OF THIRD PARTIES) ACT 1999 EXCLUSION CLAUSE
The rights of a person who is not a party to this insurance or reinsurance to enforce a term of this insurance or
altered without his consent by
1999 are excluded from this insurance or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
ASBESTOS EXCLUSION CLAUSE
This Policy does not cover any claims of any kind whatsoever directly or indirectly relating to, arising
consequence of:
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
containing, or alleged to contain, asbestos; or
2. any obligation, request, demand, order, or statutory or regulatory requirement that any Insured or others test for,
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to contain, asbestos.
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion
recorded in-flight emergency causing abnormal aircraft operation.
Notwithstanding any other provisions of this Policy, Insurers will have no duty to investigate, defend
costs in respect of any claim excluded in whole or in part under paragraphs 1 or 2
ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED.
2488AGM00003
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Attachment No.5
ASBESTOS EXCLUSION CLAUSE
not cover any claims of any kind whatsoever directly or indirectly relating to, arising
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
contain, asbestos; or
2. any obligation, request, demand, order, or statutory or regulatory requirement that any Insured or others test for,
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to contain, asbestos.
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion
mergency causing abnormal aircraft operation.
Notwithstanding any other provisions of this Policy, Insurers will have no duty to investigate, defend
costs in respect of any claim excluded in whole or in part under paragraphs 1 or 2 hereof.
ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
not cover any claims of any kind whatsoever directly or indirectly relating to, arising out of or in
1. the actual, alleged or threatened presence of asbestos in any form whatsoever, or any material or product
2. any obligation, request, demand, order, or statutory or regulatory requirement that any Insured or others test for,
monitor, clean up, remove, contain, treat, neutralize, protect against or in any other way respond to the actual,
alleged or threatened presence of asbestos or any material or product containing, or alleged to contain, asbestos.
However, this exclusion shall not apply to any claim caused by or resulting in a crash fire explosion or collision or a
Notwithstanding any other provisions of this Policy, Insurers will have no duty to investigate, defend or pay defence
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
ENDORSEMENT NUMBER 1
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
ISSUED TO :- ……………………………………… and as more fully set forth in the Schedule.
PREMIUM PAYMENT CLAUSE
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception
(or, in respect of instalment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters
policy (and, in respect of instalment premiums, by the date they are due)
this policy by notifying the Insured via the broker in
Underwriters on a pro rata basis for the
payable to Underwriters in the event of a loss or occurrence prior to the date of termination which gives rise to a
valid claim under this policy.
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the
broker. If premium due is paid in full to Underwriters before the notice period
automatically be revoked. If not, the policy shall automatically
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are
rights under this clause on their own behalf and on behalf of all Underwriters
If any provision of this clause is found by any court or administrative body of competent jurisdiction
unenforceable, such invalidity or unenforceability wil
remain in full force and effect.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
……………………………………… and as more fully set forth in the Schedule.
PREMIUM PAYMENT CLAUSE LSW 3000 AMENDED
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception
(or, in respect of instalment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters by the 61st day from the
policy (and, in respect of instalment premiums, by the date they are due) Underwriters shall have the right to cancel
this policy by notifying the Insured via the broker in writing. In the event of cancellation, p
Underwriters on a pro rata basis for the period that Underwriters are on risk but the full policy premium shall be
the event of a loss or occurrence prior to the date of termination which gives rise to a
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the
broker. If premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shal
automatically be revoked. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are
eir own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction
unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
……………………………………… and as more fully set forth in the Schedule.
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception of this policy
by the 61st day from the inception of this
Underwriters shall have the right to cancel
writing. In the event of cancellation, premium is due to
period that Underwriters are on risk but the full policy premium shall be
the event of a loss or occurrence prior to the date of termination which gives rise to a
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the
expires, notice of cancellation shall
terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
of this clause which will
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
ENDORSEMENT NUMBER 2
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
ISSUED TO :- ………………………………….. and as more fully set forth in the Schedule.
LAW AND JURISDICTION
This insurance shall be governed by and construed in accordance with the law of India and each
party agrees to submit to the jurisdiction of the courts of India.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
………………………………….. and as more fully set forth in the Schedule.
This insurance shall be governed by and construed in accordance with the law of India and each
party agrees to submit to the jurisdiction of the courts of India.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
………………………………….. and as more fully set forth in the Schedule.
This insurance shall be governed by and construed in accordance with the law of India and each
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION VII – AVIATION INSURANCE
Words in bold print in this Insurance have special meaning, as defined in the DEFINITIONS of this
Insurance
IMPORTANT NOTICE
PLEASE NOTE THAT SEPARATE INSURANCE IS PROVIDED UNDER THIS POLICY FOR BODILY INJURY
CAUSED BY AN ACCIDENT AND FOR ILLNESS. THIS INSURANCE ONLY RELATES
THE POLICY WHICH ARE SHOWN IN THE SCHEDULE AS BEING INCLUDED AND FOR WHICH PREMIUM
HAS BEEN PAID.
THE INSURED PERSON MUST DISCLOSE TO THE INSURERS ALL FACTS, MATTERS AND CIRCUMSTANCES
MATERIAL TO THIS INSURANCE, INCLUDING, BUT NOT LIMI
ENGAGES IN ANY OCCUPATION, SPORT OR PASTIME OR OTHER ACTIVITY OF A HAZARDOUS NATURE.
We The Insurers hereby agree with the Insured Person, to the extent and in the manner herein
that if the Insured Person:
(a) sustains Bodily Injury caused by an
(b) suffers Illness;
we will pay to the Insured Person, or to the Insured Person's Executors or Administrators or
the Schedule of Benefits after the total claim shall be substantia
Provided Always That:
1. benefit shall not be payable under more than one of the items of the Schedule of Benefits in
the consequences of one Accident.
2. the total sum payable under this Insurance in respect of any o
the largest benefit under any one of the items contained in the Schedule of Benefits.
3. if Item 1 of the Schedule of Benefits is covered and an
within twelve months following the date of the
for disablement provided for under Items 2 to 7 of the Schedule of
benefit provided for in the case of death.
DEFINITIONS
In this Insurance:
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - PERSONAL ACCIDENT (CREW MEMBERS)
n this Insurance have special meaning, as defined in the DEFINITIONS of this
PLEASE NOTE THAT SEPARATE INSURANCE IS PROVIDED UNDER THIS POLICY FOR BODILY INJURY
CAUSED BY AN ACCIDENT AND FOR ILLNESS. THIS INSURANCE ONLY RELATES
POLICY WHICH ARE SHOWN IN THE SCHEDULE AS BEING INCLUDED AND FOR WHICH PREMIUM
THE INSURED PERSON MUST DISCLOSE TO THE INSURERS ALL FACTS, MATTERS AND CIRCUMSTANCES
MATERIAL TO THIS INSURANCE, INCLUDING, BUT NOT LIMITED TO WHETHER THE INSURED PERSON
ENGAGES IN ANY OCCUPATION, SPORT OR PASTIME OR OTHER ACTIVITY OF A HAZARDOUS NATURE.
We The Insurers hereby agree with the Insured Person, to the extent and in the manner herein
caused by an Accident or
we will pay to the Insured Person, or to the Insured Person's Executors or Administrators or
the Schedule of Benefits after the total claim shall be substantiated under this Insurance
1. benefit shall not be payable under more than one of the items of the Schedule of Benefits in
2. the total sum payable under this Insurance in respect of any one or more claims shall not exceed
the largest benefit under any one of the items contained in the Schedule of Benefits.
3. if Item 1 of the Schedule of Benefits is covered and an Accident causes the death of the Insured
within twelve months following the date of the Accident and prior to the definite settlement of the benefit
for disablement provided for under Items 2 to 7 of the Schedule of Benefits, there shall be paid only the
death.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
PERSONAL ACCIDENT (CREW MEMBERS)
n this Insurance have special meaning, as defined in the DEFINITIONS of this
PLEASE NOTE THAT SEPARATE INSURANCE IS PROVIDED UNDER THIS POLICY FOR BODILY INJURY
TO THE BENEFITS OF
POLICY WHICH ARE SHOWN IN THE SCHEDULE AS BEING INCLUDED AND FOR WHICH PREMIUM
THE INSURED PERSON MUST DISCLOSE TO THE INSURERS ALL FACTS, MATTERS AND CIRCUMSTANCES
TED TO WHETHER THE INSURED PERSON
ENGAGES IN ANY OCCUPATION, SPORT OR PASTIME OR OTHER ACTIVITY OF A HAZARDOUS NATURE.
We The Insurers hereby agree with the Insured Person, to the extent and in the manner herein provided,
we will pay to the Insured Person, or to the Insured Person's Executors or Administrators or Nominees, according to
1. benefit shall not be payable under more than one of the items of the Schedule of Benefits in respect of
ne or more claims shall not exceed in all
causes the death of the Insured Person
settlement of the benefit
Benefits, there shall be paid only the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
1. 'BODILY INJURY' means identifiable physical injury which
(a) is caused by an Accident, and
(b) solely and independently of any other cause, except illness directly resulting from, or medical
surgical treatment rendered necessary by such injury, occasions the death or disablement
Person within twelve months from the date of the
2. 'ACCIDENT' means a sudden, unexpected, unusual, specific event which occurs at an
and place during the Period of Insurance.
Accident shall also include disappearance. If the Insured Person is not found within twelve months of disappearing,
and sufficient evidence is produced satisfactory to the Underwriters that leads them inevitably to the
the Insured Person has sustained Bodily Injury
Underwriters shall forthwith pay any death benefit, where applicable, under this Insurance, provided that the
person or persons to whom such sum is paid shall sign an undertaking to refund such sum to the Underwriters if the
Insured Person is subsequently found to be living.
3. 'ILLNESS' means sickness or disease of the Insured Person which first manifests itself during
Insurance and occasions the total disablement of the Insured Person within twelve
4. 'PERMANENT TOTAL DISABLEMENT
from attending to any business or occupatio
experience and which lasts twelve months and at the end of that period is
5. 'LOSS OF A LIMB' means permanent loss by physical separation of a hand at or above
or above the ankle and includes permanent total and irrecoverable loss of
EXCLUSIONS
This Insurance does not cover claims in any way caused or contributed to by:
1. war, whether war be declared or not, ho
2. the actual or threatened malicious use of pathogenic or poisonous biological or chemical
3. nuclear reaction, nuclear radiation or radioactive contamination;
4. the Insured Person engaging in or takin
5. the Insured Person’s suicide or attempted suicide or intentional self
being in a state of insanity;
6. venereal disease or Acquired Immune Deficiency Syndrome (AIDS), AIDS Relate
Immuno-deficiency Virus (HIV) howsoever these have been acquired or may
7. the Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save
8. the Insured Person 's own criminal act;
9. the Insured Person being under the influence of alcohol or drugs;
10. pregnancy or childbirth;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
' means identifiable physical injury which
(b) solely and independently of any other cause, except illness directly resulting from, or medical
rendered necessary by such injury, occasions the death or disablement
Person within twelve months from the date of the Accident.
' means a sudden, unexpected, unusual, specific event which occurs at an
ce during the Period of Insurance.
shall also include disappearance. If the Insured Person is not found within twelve months of disappearing,
and sufficient evidence is produced satisfactory to the Underwriters that leads them inevitably to the
Bodily Injury and that such injury has caused the Insured Person’s death, the
Underwriters shall forthwith pay any death benefit, where applicable, under this Insurance, provided that the
o whom such sum is paid shall sign an undertaking to refund such sum to the Underwriters if the
Insured Person is subsequently found to be living.
means sickness or disease of the Insured Person which first manifests itself during
Insurance and occasions the total disablement of the Insured Person within twelve months after manifesting itself.
PERMANENT TOTAL DISABLEMENT' means disablement which entirely prevents the Insured
from attending to any business or occupation for which they are reasonably suited by
experience and which lasts twelve months and at the end of that period is beyond hope of improvement.
means permanent loss by physical separation of a hand at or above
or above the ankle and includes permanent total and irrecoverable loss of use of hand, arm or leg.
This Insurance does not cover claims in any way caused or contributed to by:
1. war, whether war be declared or not, hostilities or any act of war or civil war;
2. the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials;
3. nuclear reaction, nuclear radiation or radioactive contamination;
4. the Insured Person engaging in or taking part in armed forces service or operations;
5. the Insured Person’s suicide or attempted suicide or intentional self-injury or the Insured Person
6. venereal disease or Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex
deficiency Virus (HIV) howsoever these have been acquired or may be named;
7. the Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save
act;
9. the Insured Person being under the influence of alcohol or drugs;
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
(b) solely and independently of any other cause, except illness directly resulting from, or medical or
rendered necessary by such injury, occasions the death or disablement of the Insured
' means a sudden, unexpected, unusual, specific event which occurs at an identifiable time
shall also include disappearance. If the Insured Person is not found within twelve months of disappearing,
and sufficient evidence is produced satisfactory to the Underwriters that leads them inevitably to the conclusion that
and that such injury has caused the Insured Person’s death, the
Underwriters shall forthwith pay any death benefit, where applicable, under this Insurance, provided that the
o whom such sum is paid shall sign an undertaking to refund such sum to the Underwriters if the
means sickness or disease of the Insured Person which first manifests itself during the Period of
months after manifesting itself.
means disablement which entirely prevents the Insured Person
n for which they are reasonably suited by training, education or
beyond hope of improvement.
means permanent loss by physical separation of a hand at or above the wrist or of a foot at
use of hand, arm or leg.
materials;
injury or the Insured Person
d Complex (ARC) or Human
7. the Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save human life);
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
11. neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or mental or
emotional diseases or disorders of any type.
CONDITIONS
1. If the Insured Person shall regularly engage in any occupation, sport, pastime or other activity in
greater risk may be incurred than previously disclosed in connection with this
Underwriters and obtaining their written agreement to the
any additional premium as the Underwriters may reasonably require as the consideration for such agreement), then
no claim shall be payable in respect of any
2. Unless otherwise declared and agreed by the Underwriters no benefit will be payable for any
the Insured Person has sought advice, diagnosis, treatment or
should reasonably have been aware at inception of this
any time prior to inception.
3. Notice must be given to the Underwriters as soon as reasonably practicable of any
causes or may cause a claim within the meaning of this Insurance, and the
seek the attention of a duly qualified medical
reasonably practicable in the event of the death of the Insured Person resulting or alleged to result from an
All medical records, notes and correspondence referring to the subject of a claim or a related pre
shall be made available on request to any medical adviser appointed by or on behalf of the Underwriters and such
medical adviser shall, for the purpose of reviewing the claim, be allowed so often as may be deemed necessary to
make an examination of the Insured Person.
4. Any fraud, concealment, or deliberate mis
relation to any other matter affecting this Insurance or in connection
render this Insurance null and void and all claims
5. The law and jurisdiction applicable to this insurance contract are as stated in the Schedule.
13/4/04
NMA2989
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
11. neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or mental or
emotional diseases or disorders of any type.
1. If the Insured Person shall regularly engage in any occupation, sport, pastime or other activity in
greater risk may be incurred than previously disclosed in connection with this Insurance without first notifying the
taining their written agreement to the inclusion under this Insurance, (subject to the payment of
Underwriters may reasonably require as the consideration for such agreement), then
shall be payable in respect of any Accident or Illness arising from such activity.
2. Unless otherwise declared and agreed by the Underwriters no benefit will be payable for any
the Insured Person has sought advice, diagnosis, treatment or counseling or of which the Insu
should reasonably have been aware at inception of this Insurance or for which the Insured Person has been treated at
3. Notice must be given to the Underwriters as soon as reasonably practicable of any Accide
causes or may cause a claim within the meaning of this Insurance, and the Insured Person must as early as possible
seek the attention of a duly qualified medical practitioner. Notice must be given to the Underwriters as soon as
event of the death of the Insured Person resulting or alleged to result from an
All medical records, notes and correspondence referring to the subject of a claim or a related pre
n request to any medical adviser appointed by or on behalf of the Underwriters and such
medical adviser shall, for the purpose of reviewing the claim, be allowed so often as may be deemed necessary to
make an examination of the Insured Person.
d, concealment, or deliberate mis-statement either in the proposal on which this
relation to any other matter affecting this Insurance or in connection with the making of any claim hereunder shall
d and all claims hereunder shall be forfeited.
5. The law and jurisdiction applicable to this insurance contract are as stated in the Schedule.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
11. neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or mental or
1. If the Insured Person shall regularly engage in any occupation, sport, pastime or other activity in which materially
Insurance without first notifying the
inclusion under this Insurance, (subject to the payment of
Underwriters may reasonably require as the consideration for such agreement), then
2. Unless otherwise declared and agreed by the Underwriters no benefit will be payable for any condition for which
of which the Insured Person was or
Insurance or for which the Insured Person has been treated at
Accident or Illness which
Insured Person must as early as possible
practitioner. Notice must be given to the Underwriters as soon as
event of the death of the Insured Person resulting or alleged to result from an Accident.
All medical records, notes and correspondence referring to the subject of a claim or a related pre-existing condition
n request to any medical adviser appointed by or on behalf of the Underwriters and such
medical adviser shall, for the purpose of reviewing the claim, be allowed so often as may be deemed necessary to
statement either in the proposal on which this Insurance is based or in
with the making of any claim hereunder shall
5. The law and jurisdiction applicable to this insurance contract are as stated in the Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Schedule of Benefits (in percentages of the Capital Sum Insured)
Schedule of Benefits (in percentages of the Capital Sum Insured)
Compensation payable in respect of ACCIDENT
1. Death
2. Total and Irrecoverable loss of sight of both eyes
3. Total and Irrecoverable loss of sight of one eye
4. Loss of two limbs
5. Loss of one limb
6. Total and Irrecoverable loss of sight of one eye and loss of one limb
7. Permanent total disablement (other than total loss of sight of one or both eyes or loss of limb)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Schedule of Benefits (in percentages of the Capital Sum Insured)
percentages of the Capital Sum Insured)
Compensation payable in respect of ACCIDENT
2. Total and Irrecoverable loss of sight of both eyes
3. Total and Irrecoverable loss of sight of one eye
6. Total and Irrecoverable loss of sight of one eye and loss of one limb
7. Permanent total disablement (other than total loss of sight of one or both eyes or loss of limb)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
100%
100%
100%
100%
100%
100%
7. Permanent total disablement (other than total loss of sight of one or both eyes or loss of limb) 100%
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
ISSUED TO :- ………………………………… and as more fully set forth in the Schedule.
It is understood and agreed that effective inception this Policy is subject to the following:
This Policy is subject to the following attached Endorsements/Clauses as applicable:
(i) Kiln Geographic Areas Exclusion Clause LSW 617F (amended)
(ii) JHA War Terrorism and Mass Destruction Exclusion Clause
Hi-Jack NMA 1732
(iii) Nuclear/Radioactive Contamination Exclusion Clause
(iv) Premium payable in full at inception LSW 3000 amended (as attached)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ENDORSEMENT NUMBER 1
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
………………………………… and as more fully set forth in the Schedule.
It is understood and agreed that effective inception this Policy is subject to the following:-
following attached Endorsements/Clauses as applicable:-
(i) Kiln Geographic Areas Exclusion Clause LSW 617F (amended)
(ii) JHA War Terrorism and Mass Destruction Exclusion Clause
(iii) Nuclear/Radioactive Contamination Exclusion Clause LSW 1210.
(iv) Premium payable in full at inception LSW 3000 amended (as attached)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
ATTACHING TO AND FORMING PART OF POLICY NUMBER:
………………………………… and as more fully set forth in the Schedule.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE
1. This policy excludes loss, damage or expense arising from any of the following countries and
regions:
k) Cabinda, Burundi, Central African Republic, Congo, Democratic Republic of
Coast, Liberia, Sierra Leone, Somalia.
l) Colombia, Ecuador, Peru.
m) Checheno / Ingushskaya and Nagorna
n) Iraq, Syria
o) Any operations where the operations of the insured aircraft is in breach of United Nations
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within an internationally
is performed in accordance with I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct
result of force majeure subject advice to Underwriters
3. Any excluded country may be covered by underwriters at terms to be agreed by the
flight.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
KILN GEOGRAPHIC AREAS EXCLUSION CLAUSE
LSW 617F AMENDED
1. This policy excludes loss, damage or expense arising from any of the following countries and
nda, Burundi, Central African Republic, Congo, Democratic Republic of Congo, Eritrea, Ethiopia, Ivory
m) Checheno / Ingushskaya and Nagorna- Karabakh
where the operations of the insured aircraft is in breach of United Nations
2. However coverage pursuant to this Policy is granted:
a) for the over flight of any excluded country where the flight is within an internationally recognised air
is performed in accordance with I.C.A.O. recommendations; or
b) in circumstances where an insured Aircraft has landed in an excluded as a direct consequence and exclusively as a
result of force majeure subject advice to Underwriters within 72 hours.
3. Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only prior to
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
1. This policy excludes loss, damage or expense arising from any of the following countries and
Congo, Eritrea, Ethiopia, Ivory
where the operations of the insured aircraft is in breach of United Nations sanctions.
recognised air corridor and
consequence and exclusively as a
Slip Leader only prior to
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
JHA War, Terrorism and Mass Destruction ExclusionNotwithstanding any provision to the contrary within this insurance
that this insurance excludes any loss or expense of whatsoever nature directly or indirectly arising out of,
contributed to, caused by, resulting from, or in connection with any of the following regardless of any other
event contributing concurrently or in any other sequence to the loss or expense;
1. War, hostilities or warlike operations (whether war be declared or not),
2. Invasion,
3. Act of an enemy foreign to the nationality of the insured person or the count
4. Civil war,
5. Riot,
6. Rebellion,
7. Insurrection,
8. Revolution,
9. Overthrow of the legally constituted government,
10. Civil commotion assuming the proportions of, or amounting to, an uprising,
11. Military or usurped power,
12. Explosions of war weapons,
13. Utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be
or combined,
14. Murder or Assault subsequently proved beyond reasonable doubt to have been the
to the nationality of the insured person whether war be declared with that state or not,
15. Terrorist activity.
For the purpose of this exclusion; i) Terrorist activity means an act, or acts, of any person, or group(s) o
ideological or similar purposes with the intention to influence any government and/or to put the
section of the public, in fear. Terrorist activity can include, but not be limited to, the actual
and/or the threat of such use. Furthermore, the perpetrators of terrorist activity
behalf of, or in connection with any organisation(s) or governments(s).
ii) Utilisation of Nuclear weapons of ma
the emission, discharge, dispersal, release or escape of fissile material emitting a level of
causing incapacitating disablement or death amongst people or a
iii) Utilisation of Chemical weapons of mass destruction means the emission, discharge, dispersal, release
of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable
incapacitating disablement or death amongst people or animals.
iv) Utilisation of Biological weapons of mass destruction means the emission, discharge, dispersal, release
of any pathogenic (disease producing) micro
genetically modified organisms and chemically synthesised toxins) which are capable of
disablement or death amongst people or animals.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
JHA War, Terrorism and Mass Destruction Exclusion Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed
that this insurance excludes any loss or expense of whatsoever nature directly or indirectly arising out of,
contributed to, caused by, resulting from, or in connection with any of the following regardless of any other
event contributing concurrently or in any other sequence to the loss or expense;
1. War, hostilities or warlike operations (whether war be declared or not),
3. Act of an enemy foreign to the nationality of the insured person or the country in, or over, which the act
9. Overthrow of the legally constituted government,
10. Civil commotion assuming the proportions of, or amounting to, an uprising,
13. Utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be
14. Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a
to the nationality of the insured person whether war be declared with that state or not,
i) Terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political,
ideological or similar purposes with the intention to influence any government and/or to put the
section of the public, in fear. Terrorist activity can include, but not be limited to, the actual
and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on
behalf of, or in connection with any organisation(s) or governments(s).
ii) Utilisation of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or
the emission, discharge, dispersal, release or escape of fissile material emitting a level of
causing incapacitating disablement or death amongst people or animals.
iii) Utilisation of Chemical weapons of mass destruction means the emission, discharge, dispersal, release
of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable
ent or death amongst people or animals.
iv) Utilisation of Biological weapons of mass destruction means the emission, discharge, dispersal, release
of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s)
genetically modified organisms and chemically synthesised toxins) which are capable of
disablement or death amongst people or animals.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
endorsement thereto, it is agreed
that this insurance excludes any loss or expense of whatsoever nature directly or indirectly arising out of,
contributed to, caused by, resulting from, or in connection with any of the following regardless of any other cause or
ry in, or over, which the act occurs,
13. Utilisation of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed
act of agents of a state foreign
f persons, committed for political, religious,
ideological or similar purposes with the intention to influence any government and/or to put the public, or any
section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence
can either be acting alone, or on
ss destruction means the use of any explosive nuclear weapon or device or
radioactivity capable of
iii) Utilisation of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape
of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing
iv) Utilisation of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape
organism(s) and/or biologically produced toxin(s) (including
genetically modified organisms and chemically synthesised toxins) which are capable of causing incapacitating
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Also excluded hereon is any loss or expense of whatsoever nature directly or indirectl
of, contributed to, caused by, resulting from, or in connection with any action taken in controlling,
preventing, or suppressing any, or all, of (1) to (15) above.
In the event any portion of this exclusion is found to be invalid or unenforc
in full force and effect.
Hi-Jack Clause Subject otherwise to the terms and conditions of the policy it is hereby agreed that the term
“Accident” shall be deemed to include Hi
thereform.
The cover referred to above shall continue whilst the Insured person is subject to the control of the
associates making the Hi-jack and during travel direct to his domicile and/or
exceeding twelve months from the date of the Hi
Hi-jacking means unlawful seizure or wrongful exercise of control of an aircraft or conveyance, or
the crew thereof, in which the Insured person is travelling as a passenger.
17/12/70
NMA1732
NUCLEAR/RADIOACTIVE EXCLUSION CLAUSEThis Insurance does not cover claims in any way caused or contributed to by:
radioactive contamination.
LSW1210
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly arising out
of, contributed to, caused by, resulting from, or in connection with any action taken in controlling,
preventing, or suppressing any, or all, of (1) to (15) above.
In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain
Subject otherwise to the terms and conditions of the policy it is hereby agreed that the term
“Accident” shall be deemed to include Hi-Jack, or any attempt thereat, and exposure resulting
The cover referred to above shall continue whilst the Insured person is subject to the control of the
jack and during travel direct to his domicile and/or original destination, for a period
exceeding twelve months from the date of the Hi-jack.
Definition
jacking means unlawful seizure or wrongful exercise of control of an aircraft or conveyance, or
the crew thereof, in which the Insured person is travelling as a passenger.
NUCLEAR/RADIOACTIVE EXCLUSION CLAUSE This Insurance does not cover claims in any way caused or contributed to by: nuclear reaction, nuclear radiation or
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
y arising out
of, contributed to, caused by, resulting from, or in connection with any action taken in controlling,
eable, the remainder shall remain
esulting
The cover referred to above shall continue whilst the Insured person is subject to the control of the person(s) or their
original destination, for a period not
jacking means unlawful seizure or wrongful exercise of control of an aircraft or conveyance, or
nuclear reaction, nuclear radiation or
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
PREMIUM PAYMENT CLAUSE
The Insured undertakes that premium will be paid in full to Underwriters within 60 days of inception
of this policy (or, in respect of instalment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters by the 61
policy (and, in respect of instalment premiums, by the date they are due)
this policy by notifying the Insured via the broker in
Underwriters on a pro rata basis for the
payable to Underwriters in the event of a loss or occurrence prior to the date of termination which gives rise to a
valid claim under this policy.
It is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the
broker. If premium due is paid in full to Underwriters before the notice period
automatically be revoked. If not, the policy shall automatically
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are
rights under this clause on their own behalf and on
If any provision of this clause is found by any court or administrative body of competent jurisdiction
unenforceable, such invalidity or unenforceability will not affect the other
remain in full force and effect.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
PREMIUM PAYMENT CLAUSE
(LSW 3000 AMENDED)
undertakes that premium will be paid in full to Underwriters within 60 days of inception
of this policy (or, in respect of instalment premiums, when due).
If the premium due under this policy has not been so paid to Underwriters by the 61st day from the
policy (and, in respect of instalment premiums, by the date they are due) Underwriters shall have the right to cancel
this policy by notifying the Insured via the broker in writing. In the event of cancellation, premium is due to
ers on a pro rata basis for the period that Underwriters are on risk but the full policy premium shall be
the event of a loss or occurrence prior to the date of termination which gives rise to a
is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the
broker. If premium due is paid in full to Underwriters before the notice period expires, notice of cancellation shall
. If not, the policy shall automatically terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are
rights under this clause on their own behalf and on behalf of all Underwriters participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction
unenforceable, such invalidity or unenforceability will not affect the other provisions of this clause which will
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
undertakes that premium will be paid in full to Underwriters within 60 days of inception
day from the inception of this
Underwriters shall have the right to cancel
writing. In the event of cancellation, premium is due to
period that Underwriters are on risk but the full policy premium shall be
the event of a loss or occurrence prior to the date of termination which gives rise to a
is agreed that Underwriters shall give not less than 30 days prior notice of cancellation to the Insured via the
expires, notice of cancellation shall
terminate at the end of the notice period.
Unless otherwise agreed, the Leading Underwriter (and Agreement Parties if appropriate) are authorised to exercise
participating in this contract.
If any provision of this clause is found by any court or administrative body of competent jurisdiction to be invalid or
of this clause which will
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION VIII – AVIATION INSURANCE
1. ABOUT THIS INSURANCE
1.1. Legal Contract
This Insurance is a legal contract. This Insurance and any Endorsements are to be read as a
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
the Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
interests and duties of the parties to this Insurance are not assignable.
1.2. Interpretation
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
they appear in this Insurance. Where permitted by the
singular shall include the plural and the plural the singular.
1.3. Applicable Law
Prior to the inception date of this Insurance stated in Item
Employer and the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
jurisdiction of the English courts.
1.4. Waivers
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Conditi
in respect of specified Insured persons subject to full information being received and any special conditions
additional premium as may be imposed or requested. Subject otherwise to all the terms and conditions of this
Insurance. No waiver will be operative unless signified by an endorsement signed by the Underwriters or their
authorized representative and attached to this Insurance. Advice to Underwriters of any circumstance, accident or
illness or physical or medical condition under any previous policy shall not consititute an acceptance by them of the
same under this Insurance unless endorsed hereon as afore
2. DUTIES OF THE EMPLOYER
2.1. To pay the Premium stated in Item Error! Reference source not found.
the inception date of this Insurance stated in Item
2.2. To have in force throughout the period of this Insurance a scheme for its aircrew staff which includes the
payment of moneys under this Insurance for their sole benefit.
2.3. To disclose all facts and circumstances which affect this Insurance or its
assessment of the risk involved prior to the inception date of this Insurance stated in the Schedule, including but not
limited to an exact description of all Licence(s) and Certificate(s) held by Insured persons.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - GROUP AIRCREW LOSS OF
LICENCE
This Insurance is a legal contract. This Insurance and any Endorsements are to be read as a complete document. No
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
duties of the parties to this Insurance are not assignable.
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
appear in this Insurance. Where permitted by the context the masculine gender shall include the feminine, the
shall include the plural and the plural the singular.
Prior to the inception date of this Insurance stated in Item Error! Reference source not found.
Employer and the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Conditi
respect of specified Insured persons subject to full information being received and any special conditions
premium as may be imposed or requested. Subject otherwise to all the terms and conditions of this
waiver will be operative unless signified by an endorsement signed by the Underwriters or their
ached to this Insurance. Advice to Underwriters of any circumstance, accident or
physical or medical condition under any previous policy shall not consititute an acceptance by them of the
this Insurance unless endorsed hereon as aforesaid.
Error! Reference source not found. of the Schedule within thirty (30) days of
inception date of this Insurance stated in Item Error! Reference source not found. of the Schedule.
2.2. To have in force throughout the period of this Insurance a scheme for its aircrew staff which includes the
moneys under this Insurance for their sole benefit.
2.3. To disclose all facts and circumstances which affect this Insurance or its formation or the Underwriters’
the risk involved prior to the inception date of this Insurance stated in the Schedule, including but not
description of all Licence(s) and Certificate(s) held by Insured persons.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
GROUP AIRCREW LOSS OF
complete document. No
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
context the masculine gender shall include the feminine, the
Error! Reference source not found. of the Schedule, the
Employer and the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Condition 8.2. or 8.3.
respect of specified Insured persons subject to full information being received and any special conditions or
premium as may be imposed or requested. Subject otherwise to all the terms and conditions of this
waiver will be operative unless signified by an endorsement signed by the Underwriters or their
ached to this Insurance. Advice to Underwriters of any circumstance, accident or
physical or medical condition under any previous policy shall not consititute an acceptance by them of the
of the Schedule within thirty (30) days of
of the Schedule.
2.2. To have in force throughout the period of this Insurance a scheme for its aircrew staff which includes the
formation or the Underwriters’
the risk involved prior to the inception date of this Insurance stated in the Schedule, including but not
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
2.4. To advise every Insured person of the terms of and their rights and duties under this Insurance.
2.5. To comply with all the terms and conditions of this Insurance both before and after the happening of any
Insured Event.
2.6. Failure of the Employer to comply with clause 2.1. above will result in the automatic voiding of the Insurance ab
initio.
2.7. Failure of the Employer to comply with clause 2.2. above will result in the automatic termination of this
Insurance with effect from the date the scheme ceases
risk not run by the Underwriters.
2.8. Failure of the Employer to comply with clause 2.3. above will give the Underwriters the option to either consider
the Insurance void ab initio or to charge
terms and conditions of the Insurance.
2.9. Failure of the Employer to comply with clause 2.4. or 2.5. above will give the Underwriters the right to refuse to
pay any claim which may result from or be affected by or connected with the failure or to recover the amount of any
such claim as the Underwriters may be held liable to pay from the Employer.
3. DUTIES OF INDIVIDUAL INSURED PERSONS
3.1. The duties of the Employer stated in clause
to comply will result in the same consequences as for the Employer except that they shall only apply to the
individual concerned, not to the entire Insurance.
3.2. Each Insured person must advise the Underwriters of any changes in the medical standards of the licence issuing
authority or any other authority having jurisdiction over the
authority.
Failure of an Insured person to comply wit
claim under Insured Events Error! Reference source not found.
that Insured person after the effective date of such changes in med
way related to such changes.
3.3. Each Insured person must advise the Underwriters of any additional
period of this Insurance and any changes to the type or num
Schedule of Insured persons held at the inception date of this Insurance stated in Item
found. of the Schedule. Failure of an Insured person to comply with this condition will
right to refuse to pay any claim under
source not found. In respect of that Insured person after the effective date of such changes.
4. INSURING AGREEMENTS
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
vise every Insured person of the terms of and their rights and duties under this Insurance.
2.5. To comply with all the terms and conditions of this Insurance both before and after the happening of any
y with clause 2.1. above will result in the automatic voiding of the Insurance ab
2.7. Failure of the Employer to comply with clause 2.2. above will result in the automatic termination of this
effect from the date the scheme ceases, with a pro rata return of the Premium commensurate to the
2.8. Failure of the Employer to comply with clause 2.3. above will give the Underwriters the option to either consider
Insurance void ab initio or to charge a reasonable additional premium or make reasonable alterations to the
2.9. Failure of the Employer to comply with clause 2.4. or 2.5. above will give the Underwriters the right to refuse to
sult from or be affected by or connected with the failure or to recover the amount of any
as the Underwriters may be held liable to pay from the Employer.
3. DUTIES OF INDIVIDUAL INSURED PERSONS
3.1. The duties of the Employer stated in clause 2.3.and 2.5.above shall apply to each Insured person and the failure
comply will result in the same consequences as for the Employer except that they shall only apply to the
concerned, not to the entire Insurance.
st advise the Underwriters of any changes in the medical standards of the licence issuing
authority or any other authority having jurisdiction over the Licence(s)/Certificate(s), including governmental
Failure of an Insured person to comply with this condition will give the Underwriters the right to refuse to pay any
Insured Events Error! Reference source not found. or Error! Reference source not found.
Insured person after the effective date of such changes in medical standards whether or not the claim was in any
3.3. Each Insured person must advise the Underwriters of any additional Licence(s)/Certificate(s)
of this Insurance and any changes to the type or number of the Licence(s)/Certificate(s)
Insured persons held at the inception date of this Insurance stated in Item Error! Reference source not
Schedule. Failure of an Insured person to comply with this condition will give the Underwriters the
any claim under Insured Events Error! Reference source not found.
respect of that Insured person after the effective date of such changes.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
vise every Insured person of the terms of and their rights and duties under this Insurance.
2.5. To comply with all the terms and conditions of this Insurance both before and after the happening of any
y with clause 2.1. above will result in the automatic voiding of the Insurance ab
2.7. Failure of the Employer to comply with clause 2.2. above will result in the automatic termination of this
, with a pro rata return of the Premium commensurate to the
2.8. Failure of the Employer to comply with clause 2.3. above will give the Underwriters the option to either consider
a reasonable additional premium or make reasonable alterations to the
2.9. Failure of the Employer to comply with clause 2.4. or 2.5. above will give the Underwriters the right to refuse to
sult from or be affected by or connected with the failure or to recover the amount of any
2.3.and 2.5.above shall apply to each Insured person and the failure
comply will result in the same consequences as for the Employer except that they shall only apply to the
st advise the Underwriters of any changes in the medical standards of the licence issuing
, including governmental
h this condition will give the Underwriters the right to refuse to pay any
Error! Reference source not found. in respect of
ical standards whether or not the claim was in any
Licence(s)/Certificate(s) gained during the
Licence(s)/Certificate(s) stated in the
Error! Reference source not
give the Underwriters the
Insured Events Error! Reference source not found. or Error! Reference
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4.1. In consideration of the fulfilment of the Duties described in Sections 2. and 3. of this Insurance, the Underwriters
named in Item Error! Reference source not found.
4.2. The Underwriters will for each Insured
Item Error! Reference source not found.
all the terms and conditions of this Insurance.
4.3. Compensation will be paid for only one
any of Insured Event Error! Reference source not found.
on from any of Insured Event Error! Reference source n
in which case the amount of any compensation paid under any of
will be deducted from the amount payable under any of
under this Insurance or any previous insurance of which this Insurance is a renewal.
4.4. The Insurance does not apply to any person having any medical restriction to his
specifically noted in the Schedule of Insured Persons or otherwise endorsed on this Insurance in writing and signed
by the Underwriters or their authorised representative.
5. SPECIAL LIMITATIONS AND CONDITIONS IN RESPECT OF CERTAIN INSURED EVENTS
5.1. All Insured Event Error! Reference source not found.
No payment will be made should the Insured person die within 12 months of the issuance of the long term unfitness
assessment or permanent revocation by the licence issuing authority.
any claim until 180 days after the Date of Loss
whichever occurs last nor before all enquiries relating to the claim have been completed by
Underwriters may at their option settle the claim in yearly instalments and require proof of the continuing disability
if in their opinion it is not unlikely that the Licence(s)/ Certificate(s) will be restored or the revocation cance
and/or similar Licence(s)/ Certificate(s)
Loss.
No payment will be made unless the issuance of the long term unfitness assessment or permanent revocation by the
licence issuing authority occurs within 12 months of the date of the
Undiagnosed Illness was reported to a qualified medical practitioner, as the case may be except in the following
circumstances:
a) where the Underwriters have accepted the existence of the pre
will be made unless the issuance of the long term unfitness assessment or permanent revocation by
issuing authority consequent upon such co
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing
follows immediately upon any of Insured Event Error! Reference source not found.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4.1. In consideration of the fulfilment of the Duties described in Sections 2. and 3. of this Insurance, the Underwriters
Error! Reference source not found. of the Schedule hereby agree as follows.
4.2. The Underwriters will for each Insured person pay to the Employer the amount of the compensation stated in
Error! Reference source not found. of the Schedule upon the happening of an Insured Event
the terms and conditions of this Insurance.
paid for only one Insured Event in respect of any one Insured person except where either
Insured Event Error! Reference source not found., Permanent Total Disablement (Loss of Licence)
Insured Event Error! Reference source not found., Temporary Total Disablement (Loss of Licence)
in which case the amount of any compensation paid under any of Insured Event Error! Reference source not found.
will be deducted from the amount payable under any of Insured Events Error! Reference source not found.
under this Insurance or any previous insurance of which this Insurance is a renewal.
4.4. The Insurance does not apply to any person having any medical restriction to his Licence(s)/Certificate(s)
Schedule of Insured Persons or otherwise endorsed on this Insurance in writing and signed
the Underwriters or their authorised representative.
5. SPECIAL LIMITATIONS AND CONDITIONS IN RESPECT OF CERTAIN INSURED EVENTS
ference source not found., Permanent Total Disablement (Loss of Licence)
No payment will be made should the Insured person die within 12 months of the issuance of the long term unfitness
assessment or permanent revocation by the licence issuing authority. The Underwriters shall not be obliged to settle
Date of Loss or the date the Insured person makes a claim under this Insurance,
whichever occurs last nor before all enquiries relating to the claim have been completed by
Underwriters may at their option settle the claim in yearly instalments and require proof of the continuing disability
their opinion it is not unlikely that the Licence(s)/ Certificate(s) will be restored or the revocation cance
Licence(s)/ Certificate(s) may be obtained anywhere in the world within five years of the
No payment will be made unless the issuance of the long term unfitness assessment or permanent revocation by the
licence issuing authority occurs within 12 months of the date of the Accident or the date illness manifested itself or
was reported to a qualified medical practitioner, as the case may be except in the following
the Underwriters have accepted the existence of the pre-existing condition, and in such case no
will be made unless the issuance of the long term unfitness assessment or permanent revocation by
issuing authority consequent upon such condition occurs during the period of Insurance;
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing
Insured Event Error! Reference source not found.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
4.1. In consideration of the fulfilment of the Duties described in Sections 2. and 3. of this Insurance, the Underwriters
person pay to the Employer the amount of the compensation stated in
Insured Event subject always to
in respect of any one Insured person except where either
Permanent Total Disablement (Loss of Licence), follows
Temporary Total Disablement (Loss of Licence),
Insured Event Error! Reference source not found.
source not found. whether
Licence(s)/Certificate(s) unless
Schedule of Insured Persons or otherwise endorsed on this Insurance in writing and signed
5. SPECIAL LIMITATIONS AND CONDITIONS IN RESPECT OF CERTAIN INSURED EVENTS
, Permanent Total Disablement (Loss of Licence)
No payment will be made should the Insured person die within 12 months of the issuance of the long term unfitness
The Underwriters shall not be obliged to settle
or the date the Insured person makes a claim under this Insurance,
whichever occurs last nor before all enquiries relating to the claim have been completed by the Underwriters. The
Underwriters may at their option settle the claim in yearly instalments and require proof of the continuing disability
their opinion it is not unlikely that the Licence(s)/ Certificate(s) will be restored or the revocation cancelled
may be obtained anywhere in the world within five years of the Date of
No payment will be made unless the issuance of the long term unfitness assessment or permanent revocation by the
or the date illness manifested itself or
was reported to a qualified medical practitioner, as the case may be except in the following
existing condition, and in such case no payment
will be made unless the issuance of the long term unfitness assessment or permanent revocation by the licence
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing authority
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
5.2. Insured Event Error! Reference source not found.
Substances Illness
Compensation will only be payable if the Insured person within ninety days from the date of the diagnosis enters a
rehabilitation programme approved by the Underwriters and demonstrates and continues to demonstrate to the
satisfaction of the Underwriters that he is participating and co
programme.
The cost of participation in the programme
the Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
Schedule.
5.3. Insured Event Error! Reference source not found.
Undiagnosed Illness
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Employer
or Insured person under the Arbitration clause contained herein or to any
5.4. All Insured Event Error! Reference source not found.
Compensation will not be payable in respect of the Excess Period stated in the Schedule.
Where the Underwriters have accepted the existence of a pre
to pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
stated in Item Error! Reference source not found.
conditions.
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
medical practitioner. Evidence of the continuance of disability shall be p
precedent to any liability of the Underwriters.
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
compensation is paid shall terminate upon
a) the cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
not the Insured person decides to return to normal duties,
b) the issuance of a long term unfitness assessment or permanent revocation by the licence
c) the expiry of the Benefit Period
whichever shall occur first.
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
No payment will be made unless the issuance of the temporary
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Error! Reference source not found., Permanent Total Disablement (Loss of Licence) by
Compensation will only be payable if the Insured person within ninety days from the date of the diagnosis enters a
gramme approved by the Underwriters and demonstrates and continues to demonstrate to the
satisfaction of the Underwriters that he is participating and co-operating in all aspects of such rehabilitation
The cost of participation in the programme will be deducted from the compensation payable. Provided always that
Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
Error! Reference source not found., Permanent Total Disablement (Loss of Licence) by
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Employer
Insured person under the Arbitration clause contained herein or to any court having jurisdiction.
Error! Reference source not found., Temporary Total Disablement (Loss of Licence)
Compensation will not be payable in respect of the Excess Period stated in the Schedule.
ed the existence of a pre-existing condition, the Underwriters shall not be liable
pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
Error! Reference source not found. of the Schedule in respect of any one medical condition or set of
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
medical practitioner. Evidence of the continuance of disability shall be provided to the Underwriters as a condition
precedent to any liability of the Underwriters.
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
is paid shall terminate upon
cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
not the Insured person decides to return to normal duties,
b) the issuance of a long term unfitness assessment or permanent revocation by the licence issuing authority or
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
No payment will be made unless the issuance of the temporary unfitness assessment by the licence issuing authority
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
, Permanent Total Disablement (Loss of Licence) by
Compensation will only be payable if the Insured person within ninety days from the date of the diagnosis enters a
gramme approved by the Underwriters and demonstrates and continues to demonstrate to the
operating in all aspects of such rehabilitation
will be deducted from the compensation payable. Provided always that
Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
manent Total Disablement (Loss of Licence) by
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Employer
court having jurisdiction.
, Temporary Total Disablement (Loss of Licence)
existing condition, the Underwriters shall not be liable
pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
dule in respect of any one medical condition or set of
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
rovided to the Underwriters as a condition
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
issuing authority or
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
unfitness assessment by the licence issuing authority
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
occurs within 12 months of the date of the
reported to a qualified medical practitioner, as the case may be except where the Un
existence of a pre-existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
6. DEFINITIONS
1. Insured Event
Insured Event means any of the events specified as such in Item
Schedule.
2. by Accident
by Accident means
a) by reason of or on the sole grounds of the Insured person having sustained i
illness directly resulting from or medical or surgical treatment rendered necessary by such injury AND
b) where such injury is caused by an Accident
AND
c) where such injury occurs during the period of Insurance specified in Item
the Schedule.
3. Accident
Accident means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
shall also include exposure to the elements resulting from such an event.
4. by General Illness
by General Illness means on the sole grounds that the Insured person has sustained an illness which manifests itself
during the period of Insurance stated in Item
illness falling within the terms of Definition 5.,
is not in itself the direct consequence of identifiable physical injury c
5. by Substances Illness
by Substances Illness means on the sole grounds that the Insured person has sustained an illness which manifests
itself during the period of Insurance stated in Item
indirectly consequent upon the influence of alcohol, drugs or narcotics.
\
6. by Undiagnosed Illness
by Undiagnosed Illness means on the sole grounds that the Insured person has sustained a set of physical or mental
symptoms which is advised to a qualified medical practitioner during the period of Insurance stated in Item
Reference source not found. of the Schedule and which is not detectable or diagnosable as an illness.
7. Permanent Total Disablement (Loss of Licence)
Permanent Total Disablement (Loss of Licence)
capacity for which any Licence(s)/Certificate(s)
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
occurs within 12 months of the date of the Accident or the date illness manifested itself or Undiagnosed Illness
reported to a qualified medical practitioner, as the case may be except where the Underwriters have accepted the
existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
means any of the events specified as such in Item Error! Reference source not found.
a) by reason of or on the sole grounds of the Insured person having sustained identifiable physical injury or
illness directly resulting from or medical or surgical treatment rendered necessary by such injury AND
Accident in a manner which is violent, unforeseen, external and visible
such injury occurs during the period of Insurance specified in Item Error! Reference source not
means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
include exposure to the elements resulting from such an event.
means on the sole grounds that the Insured person has sustained an illness which manifests itself
during the period of Insurance stated in Item Error! Reference source not found. of the Schedule and which is not an
illness falling within the terms of Definition 5., Substances Illness or Definition 6., Undiagnosed Illness
not in itself the direct consequence of identifiable physical injury caused by an Accident.
means on the sole grounds that the Insured person has sustained an illness which manifests
itself during the period of Insurance stated in Item Error! Reference source not found. of the
indirectly consequent upon the influence of alcohol, drugs or narcotics.
means on the sole grounds that the Insured person has sustained a set of physical or mental
dvised to a qualified medical practitioner during the period of Insurance stated in Item
of the Schedule and which is not detectable or diagnosable as an illness.
7. Permanent Total Disablement (Loss of Licence)
t Total Disablement (Loss of Licence) means the prevention of the Insured person from acting in any
Licence(s)/Certificate(s) are held due to all such Licence(s)/Certificate(s)
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Undiagnosed Illness was
derwriters have accepted the
existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
Error! Reference source not found. of the
dentifiable physical injury or
illness directly resulting from or medical or surgical treatment rendered necessary by such injury AND
in a manner which is violent, unforeseen, external and visible
Error! Reference source not found. of
means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
means on the sole grounds that the Insured person has sustained an illness which manifests itself
of the Schedule and which is not an
Undiagnosed Illness and which
means on the sole grounds that the Insured person has sustained an illness which manifests
of the Schedule directly or
means on the sole grounds that the Insured person has sustained a set of physical or mental
dvised to a qualified medical practitioner during the period of Insurance stated in Item Error!
of the Schedule and which is not detectable or diagnosable as an illness.
means the prevention of the Insured person from acting in any
Licence(s)/Certificate(s) being permanently
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
revoked or a long term unfitness asses
opinion of a qualified medical practitioner are beyond hope of improvement and which entails both the following
consequences:
a) the inability of the Insured person to obtain a renewal
of the unfitness assessment or revocation within a period of 60 months from the date of the same;
b) the inability of the Insured person to obtain any similar licence or certificate anywhere in
period of 60 months from the date of the issuance of the unfitness assessment or revocation.
Provided that nothing in this Definition shall impose any obligation on the part of the Insured person to seek the
withdrawal of any long term unfitness assessment or permanent revocation of the
8. Temporary Total Disablement (Loss of Licence)
Temporary Total Disablement (Loss of Licence)
capacity for which he holds a Licence(s)/Certificate(s)
suspended by the licence issuing authority on medical grounds.
Temporary Total Disablement (Loss of Licence)
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
authority
9. Licence(s)/Certificate(s)
Licence(s)/Certificate(s) means all Licences or Certificates held
occupation.
10. Date of Loss
Date of Loss means the first day that the Insured person is suspended from active duty consequent upon the
issuance of the temporary suspension or issuance of a long term unfitness
Insured person’s Licence(s)/Certificate(s)
days of issuance of a "temporarily unfit" assessment issued by the relevant licence issuing authorit
the Date of Loss shall not be deemed to be earlier than the date of receipt by the Underwriters of the same.
7. EXCLUSIONS
Except where specifically stated to the contrary, this Insurance does not cover any
indirectly, wholly or partially, arising out of or consequent upon or contributed to or aggravated by:
7.1. Suicide
suicide or attempted suicide or intentional self
7.2. AIDS
venereal disease or Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
revoked or a long term unfitness assessment being issued in respect thereof on medical grounds which in the
of a qualified medical practitioner are beyond hope of improvement and which entails both the following
a) the inability of the Insured person to obtain a renewal of such Licence(s) or Certificate(s) or to obtain
of the unfitness assessment or revocation within a period of 60 months from the date of the same;
b) the inability of the Insured person to obtain any similar licence or certificate anywhere in
period of 60 months from the date of the issuance of the unfitness assessment or revocation.
Provided that nothing in this Definition shall impose any obligation on the part of the Insured person to seek the
withdrawal of any long term unfitness assessment or permanent revocation of the Licence(s)/Certificate(s)
8. Temporary Total Disablement (Loss of Licence)
Temporary Total Disablement (Loss of Licence) means the prevention of the Insured person from acti
Licence(s)/Certificate(s) due to the Licence(s)/Certificate(s)
suspended by the licence issuing authority on medical grounds.
Temporary Total Disablement (Loss of Licence) shall also include any period of self-suspension provided it is
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
means all Licences or Certificates held by the Insured person in connection with his
means the first day that the Insured person is suspended from active duty consequent upon the
of the temporary suspension or issuance of a long term unfitness assessment or permanent revocation of the
Licence(s)/Certificate(s). Suspension must be evidenced by receipt by the Underwriters within 28
issuance of a "temporarily unfit" assessment issued by the relevant licence issuing authorit
shall not be deemed to be earlier than the date of receipt by the Underwriters of the same.
Except where specifically stated to the contrary, this Insurance does not cover any Insured Event
or partially, arising out of or consequent upon or contributed to or aggravated by:
suicide or attempted suicide or intentional self-injury or assault provoked by the Insured person
Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
sment being issued in respect thereof on medical grounds which in the
of a qualified medical practitioner are beyond hope of improvement and which entails both the following
of such Licence(s) or Certificate(s) or to obtain withdrawal
of the unfitness assessment or revocation within a period of 60 months from the date of the same;
b) the inability of the Insured person to obtain any similar licence or certificate anywhere in the world within a
Provided that nothing in this Definition shall impose any obligation on the part of the Insured person to seek the
Licence(s)/Certificate(s).
means the prevention of the Insured person from acting in any
Licence(s)/Certificate(s) being temporarily
suspension provided it is
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
by the Insured person in connection with his
means the first day that the Insured person is suspended from active duty consequent upon the
assessment or permanent revocation of the
. Suspension must be evidenced by receipt by the Underwriters within 28
issuance of a "temporarily unfit" assessment issued by the relevant licence issuing authority, failing which,
shall not be deemed to be earlier than the date of receipt by the Underwriters of the same.
Insured Event directly or
or partially, arising out of or consequent upon or contributed to or aggravated by:
injury or assault provoked by the Insured person;
Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
syndrome has been acquired or may be named;
7.3. Drugs and Alcohol
(not applicable to Insured Events Error! Reference source not found.
Insured Person being under the influence of alcohol or drugs. Where drugs or alcohol are administered or
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are
heeded. Drugs or alcohol administered or prescribed in the context of dependency are, however always
from coverage;
7.4. Pre-Existing Physical Conditions
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this I
stated in the Schedule;
For the purposes of this exclusion a physical impairment, defect, degenerative process or infirmity exists prior to the
inception date of this Insurance if it has been diagnosed by a qualified medical practitioner prior to
inception date or in the event that it has not been diagnosed then in the opinion of a qualified medical practitioner
the Insured person could reasonably have been expected to be aware of its existence at the inception date of this
Insurance.
7.5. Pre-Existing Mental Conditions
any mental or behavioural disorders known to exist at the inception date of this Insurance stated in the Schedule
diagnosed by a qualified medical practitioner for which medical treatment has been received by an Insured pe
and which is included in the internationally recognised classification system DSM
Manual of Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
personal performance as indicated by at least one of the following:
a) a limitation in activities of daily living,
b) social functioning,
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under
in terms of aptitude, learning new material, reliable accuracy, endurance and pace of work,
d) deterioration or decompensation in work settings,
e) episodic disorders of mood,
f) disorders of form and control of thought.
7.6. War
war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution,
insurrection, or military or usurped power except where the Insured person is unexpectedly, passively and
innocently
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
syndrome has been acquired or may be named;
Error! Reference source not found. and Error! Reference source not found.
Insured Person being under the influence of alcohol or drugs. Where drugs or alcohol are administered or
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are
alcohol administered or prescribed in the context of dependency are, however always
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this I
For the purposes of this exclusion a physical impairment, defect, degenerative process or infirmity exists prior to the
inception date of this Insurance if it has been diagnosed by a qualified medical practitioner prior to
date or in the event that it has not been diagnosed then in the opinion of a qualified medical practitioner
person could reasonably have been expected to be aware of its existence at the inception date of this
any mental or behavioural disorders known to exist at the inception date of this Insurance stated in the Schedule
diagnosed by a qualified medical practitioner for which medical treatment has been received by an Insured pe
which is included in the internationally recognised classification system DSM-IV (the Diagnostic and Statistical
of Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
as indicated by at least one of the following:
a) a limitation in activities of daily living,
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under
arning new material, reliable accuracy, endurance and pace of work,
d) deterioration or decompensation in work settings,
f) disorders of form and control of thought.
hostilities (whether war be declared or not), civil war, rebellion, revolution,
insurrection, or military or usurped power except where the Insured person is unexpectedly, passively and
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Error! Reference source not found.) the
Insured Person being under the influence of alcohol or drugs. Where drugs or alcohol are administered or prescribed
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are being
alcohol administered or prescribed in the context of dependency are, however always excluded
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this Insurance
For the purposes of this exclusion a physical impairment, defect, degenerative process or infirmity exists prior to the
inception date of this Insurance if it has been diagnosed by a qualified medical practitioner prior to the said
date or in the event that it has not been diagnosed then in the opinion of a qualified medical practitioner
person could reasonably have been expected to be aware of its existence at the inception date of this
any mental or behavioural disorders known to exist at the inception date of this Insurance stated in the Schedule
diagnosed by a qualified medical practitioner for which medical treatment has been received by an Insured person
IV (the Diagnostic and Statistical
of Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under-performance
hostilities (whether war be declared or not), civil war, rebellion, revolution,
insurrection, or military or usurped power except where the Insured person is unexpectedly, passively and
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
affected by any such event while actually on duty for the
7.7. Radioactivity
radioactive contamination;
7.8. Dangerous Activities
an Insured person engaging in or taking part in
a) naval, military or air force service or operations other than non
part in military or joint military exercises;
b) flying involving the intentional dropping, spraying or release of anything, slung cargo, aerial photography,
firefighting, slash and burn, animal capture and other similarly hazardous activities;
c) winter sports (other than skating or curling);
d) skin diving involving the aid or breathing apparatus, rock climbing or mountaineering normally involving the
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
canyoning, abseiling, ballooning, deep sea fishing, quad biking or driving or riding in any kind of race;
e) driving or riding on motor cycles or motor scooters other than mopeds;
7.9. Deliberate Exposure
deliberate exposure to exceptional danger (except
person’s own criminal act;
7.10. Pregnancy
pregnancy or childbirth;
8. CONDITIONS
8.1. Good Health
It is hereby warranted that all Insured persons are in good health and are not only
are mentally and physically capable of carrying out their normal regular duties associated with the job for which
they are employed at the inception date of this Insurance and have not been absent for more than 10 days in
preceding 3 months.
If an Insured person does not satisfy this condition then cover will not be provided until:
a) The Insured person has returned to work and completed 2 months continuous and active service, or
b) The Insured person has completed a proposal form, satisfactory to the Underwriters, if the Insured wishes to
included in the Insurance earlier.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
affected by any such event while actually on duty for the Employer;
an Insured person engaging in or taking part in
a) naval, military or air force service or operations other than non-combatant duties but always excluding taking
litary or joint military exercises;
b) flying involving the intentional dropping, spraying or release of anything, slung cargo, aerial photography,
slash and burn, animal capture and other similarly hazardous activities;
ther than skating or curling);
d) skin diving involving the aid or breathing apparatus, rock climbing or mountaineering normally involving the
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
canyoning, abseiling, ballooning, deep sea fishing, quad biking or driving or riding in any kind of race;
e) driving or riding on motor cycles or motor scooters other than mopeds;
deliberate exposure to exceptional danger (except in an attempt to save human life or in self-
It is hereby warranted that all Insured persons are in good health and are not only present at their place of work but
mentally and physically capable of carrying out their normal regular duties associated with the job for which
employed at the inception date of this Insurance and have not been absent for more than 10 days in
If an Insured person does not satisfy this condition then cover will not be provided until:-
a) The Insured person has returned to work and completed 2 months continuous and active service, or
a proposal form, satisfactory to the Underwriters, if the Insured wishes to
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
combatant duties but always excluding taking
b) flying involving the intentional dropping, spraying or release of anything, slung cargo, aerial photography,
d) skin diving involving the aid or breathing apparatus, rock climbing or mountaineering normally involving the use
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
canyoning, abseiling, ballooning, deep sea fishing, quad biking or driving or riding in any kind of race;
-defence) or an Insured
present at their place of work but
mentally and physically capable of carrying out their normal regular duties associated with the job for which
employed at the inception date of this Insurance and have not been absent for more than 10 days in the
a) The Insured person has returned to work and completed 2 months continuous and active service, or
a proposal form, satisfactory to the Underwriters, if the Insured wishes to be
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
If the Insured person elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may
not be chosen subsequently.
8.2. Termination
The Insurance with respect to any Insured person will terminate and cease to have effect upon:
a) the attainment of age 60.
b) the Insured person ceasing to be gainfully employed by the Employer named in the Schedule in the capacity
for which he holds the Licence(s)/Certificate(s)
Reference source not found. of the Schedule.
8.3. Capital Sum Insured Restriction
With respect to Insured Events Error! Reference source no
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
Loss of Licence Policies held in the name of any Insured person:
Up to and
Including Capital Sum Insured Restriction
age 29 5.0 times annual earnings from normal profession
30 to 39 4.0 times annual earnings from normal profession
40 to 49 3.0 times annual earnings from normal profession
50 the lesser of £90,000 or 2.0 times annu
51 the lesser of £80,000 or 2.0 times annual earnings from normal profession
52 the lesser of £70,000 or 2.0 times annual earnings from normal profession
53 the lesser of £60,000 or 2.0 times annual earnings from
54 the lesser of £50,000 or 2.0 times annual earnings from normal profession
55 the lesser of £40,000 or 1.8 times annual earnings from normal profession
56 to 59
Inclusive the lesser of £20,000 or 1.0 times annual earnings from n
In order to recover the full benefits payable under this Insurance, the Insured person must have notified the
Underwriters of any other loss of licence insurance and the existence of that other insurance must have been noted
and accepted by the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is
deemed to be surplus to all other valid and collectable insurances. Any payment under these circumstances will only
be the difference, if any, between the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
8.4. Fraud
If the Employer commits fraud or attempts to do so in connection with any claim under this Insurance, the Insurance
shall become automatically void ab initio
the right to recover from the Employer any and all claims paid under the Insurance.
If the Insured person commits fraud or attempts to do so in connection with any claim under this I
Insurance shall become automatically void ab initio with respect to that Insured person.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
If the Insured person elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may
The Insurance with respect to any Insured person will terminate and cease to have effect upon:
b) the Insured person ceasing to be gainfully employed by the Employer named in the Schedule in the capacity
Licence(s)/Certificate(s) held at the inception date of this Insurance stated in Item
of the Schedule.
Insured Events Error! Reference source not found. and Error! Reference source not found.
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
Licence Policies held in the name of any Insured person:-
Capital Sum Insured Restriction
5.0 times annual earnings from normal profession
4.0 times annual earnings from normal profession
3.0 times annual earnings from normal profession
the lesser of £90,000 or 2.0 times annual earnings from normal profession
the lesser of £80,000 or 2.0 times annual earnings from normal profession
the lesser of £70,000 or 2.0 times annual earnings from normal profession
the lesser of £60,000 or 2.0 times annual earnings from normal profession
the lesser of £50,000 or 2.0 times annual earnings from normal profession
the lesser of £40,000 or 1.8 times annual earnings from normal profession
the lesser of £20,000 or 1.0 times annual earnings from normal profession
In order to recover the full benefits payable under this Insurance, the Insured person must have notified the
Underwriters of any other loss of licence insurance and the existence of that other insurance must have been noted
by the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is
deemed to be surplus to all other valid and collectable insurances. Any payment under these circumstances will only
n the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
If the Employer commits fraud or attempts to do so in connection with any claim under this Insurance, the Insurance
shall become automatically void ab initio and any Premium paid shall be forfeited and the Un
right to recover from the Employer any and all claims paid under the Insurance.
If the Insured person commits fraud or attempts to do so in connection with any claim under this I
Insurance shall become automatically void ab initio with respect to that Insured person.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
If the Insured person elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may
The Insurance with respect to any Insured person will terminate and cease to have effect upon:-
b) the Insured person ceasing to be gainfully employed by the Employer named in the Schedule in the capacity
held at the inception date of this Insurance stated in Item Error!
Error! Reference source not found., the
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
al earnings from normal profession
the lesser of £80,000 or 2.0 times annual earnings from normal profession
the lesser of £70,000 or 2.0 times annual earnings from normal profession
normal profession
the lesser of £50,000 or 2.0 times annual earnings from normal profession
the lesser of £40,000 or 1.8 times annual earnings from normal profession
ormal profession
In order to recover the full benefits payable under this Insurance, the Insured person must have notified the
Underwriters of any other loss of licence insurance and the existence of that other insurance must have been noted
by the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is
deemed to be surplus to all other valid and collectable insurances. Any payment under these circumstances will only
n the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
If the Employer commits fraud or attempts to do so in connection with any claim under this Insurance, the Insurance
and any Premium paid shall be forfeited and the Underwriters shall have
If the Insured person commits fraud or attempts to do so in connection with any claim under this Insurance, the
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
9. CLAIMS PROCEDURES
The Insured person must fully comply with the following procedures, which are conditions precedent to any liability
of the Underwriters to make payment of any amounts under this Insurance.
Upon the happening of an Insured Event
1. Make a claim by notifying the entity named in Item
by registered mail as soon as possible and in any event not later than thirty days after the date of death or the date of
unfitness as a result of sustaining an Accident
details as known to the Insured person and documentary evidence issued by the relevant licence issuing authority.
The date of notification shall be taken as the date upon which the notice was delivered to the entity named in Item
Error! Reference source not found. of the Schedule. Advice of a claim by telephone message is not deemed to be
proper notice of a claim.
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
Accident or illness.
3. Irrevocably authorise the Underwriters:
a) to obtain details of all medical reports and hospital records and obtain information from any physicians,
and hospital authorities concerned with the treatment of or consulted by the Insured person
b) to obtain information from and seek the opinion of the principal medical officer of the Civil Aviation Authority or
any other competent authority or its successors (or other appropriate medical officer appointed for the
the likelihood of the Insured person ever obtaining a restoration of his
the Insured person is unlikely to ever obtain such restoration the
in favour of the Insured person.
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by the Underwriters
make a statutory declaration as to any facts relating to the claim and complete the Underwriters' standard c
questionnaire on request.
5. Notify the Underwriters immediately if any action against a third party relating to the Insured person’s
Licence(s)/Certificate(s) is planned or contemplated.
6. Notify the Underwriters immediately upon becoming aware of
proceedings likely to affect this Insurance and give all possible assistance and information to lawyers appointed by
the Underwriters as they may reasonably require.
7. Furnish the Underwriters with satisfactory proof of:
a) the happening of the event on which the Sum Insured will become payable
b) any other information that the Underwriters may require.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
The Insured person must fully comply with the following procedures, which are conditions precedent to any liability
ters to make payment of any amounts under this Insurance.
Insured Event, the Insured person and/or his Legal Personal Representatives must:
1. Make a claim by notifying the entity named in Item Error! Reference source not found. o
registered mail as soon as possible and in any event not later than thirty days after the date of death or the date of
Accident or the manifestation of illness. Such notification shall inc
as known to the Insured person and documentary evidence issued by the relevant licence issuing authority.
of notification shall be taken as the date upon which the notice was delivered to the entity named in Item
of the Schedule. Advice of a claim by telephone message is not deemed to be
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
3. Irrevocably authorise the Underwriters:-
a) to obtain details of all medical reports and hospital records and obtain information from any physicians,
and hospital authorities concerned with the treatment of or consulted by the Insured person;
b) to obtain information from and seek the opinion of the principal medical officer of the Civil Aviation Authority or
any other competent authority or its successors (or other appropriate medical officer appointed for the
the likelihood of the Insured person ever obtaining a restoration of his Licence(s)/ Certificate(s)
the Insured person is unlikely to ever obtain such restoration the Underwriters will accept that opinion as evidence
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by the Underwriters
statutory declaration as to any facts relating to the claim and complete the Underwriters' standard c
5. Notify the Underwriters immediately if any action against a third party relating to the Insured person’s
is planned or contemplated.
6. Notify the Underwriters immediately upon becoming aware of any investigation, Court of Enquiry or similar
likely to affect this Insurance and give all possible assistance and information to lawyers appointed by
as they may reasonably require.
satisfactory proof of:
a) the happening of the event on which the Sum Insured will become payable
b) any other information that the Underwriters may require.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
The Insured person must fully comply with the following procedures, which are conditions precedent to any liability
, the Insured person and/or his Legal Personal Representatives must:
f the Schedule in writing
registered mail as soon as possible and in any event not later than thirty days after the date of death or the date of
or the manifestation of illness. Such notification shall include all
as known to the Insured person and documentary evidence issued by the relevant licence issuing authority.
of notification shall be taken as the date upon which the notice was delivered to the entity named in Item
of the Schedule. Advice of a claim by telephone message is not deemed to be
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
a) to obtain details of all medical reports and hospital records and obtain information from any physicians, surgeons
;
b) to obtain information from and seek the opinion of the principal medical officer of the Civil Aviation Authority or
any other competent authority or its successors (or other appropriate medical officer appointed for the purpose) as to
Certificate(s). If the opinion is that
Underwriters will accept that opinion as evidence
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by the Underwriters
statutory declaration as to any facts relating to the claim and complete the Underwriters' standard claim
5. Notify the Underwriters immediately if any action against a third party relating to the Insured person’s
any investigation, Court of Enquiry or similar
likely to affect this Insurance and give all possible assistance and information to lawyers appointed by
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
The receipt by the Underwriters of a release from the Insured person or any other duly authorised
shall constitute an absolute discharge to the Underwriters in respect of payments made under this Insurance.
10. ARBITRATION
The Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition,
Insured person may be required to undergo an examination by a qualified medical practitioner experienced in the
medical examination of flying personnel.
The Underwriters also reserve the right to request the Insured person to undergo reasonable medica
investigations at the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
such treatment and/or investigations would probably result in the restoration of the Insured person's
Certificate(s).
Should the Insured person wish to dispute the decision of the Underwriters or their medical advisers or qualified
medical practitioner the matter will be referred for arbitration to the Dean of the Faculty of Occupational Medicine of
the Royal College of Physicians in London, England. The Dean will appoint one person to act as referee from a panel
of qualified medical practitioners experienced in the examination of flying personnel and in the relevant branch of
medicine, such panel to be agreed between the Underwriters and the Insured person.
The decision of the Dean and the referee shall be final and binding on all parties.
The costs of examination and arbitration will be borne by the Underwriters
Insured Person Date of Birth
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
The receipt by the Underwriters of a release from the Insured person or any other duly authorised
constitute an absolute discharge to the Underwriters in respect of payments made under this Insurance.
The Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition,
person may be required to undergo an examination by a qualified medical practitioner experienced in the
of flying personnel.
The Underwriters also reserve the right to request the Insured person to undergo reasonable medica
investigations at the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
treatment and/or investigations would probably result in the restoration of the Insured person's
Should the Insured person wish to dispute the decision of the Underwriters or their medical advisers or qualified
practitioner the matter will be referred for arbitration to the Dean of the Faculty of Occupational Medicine of
of Physicians in London, England. The Dean will appoint one person to act as referee from a panel
practitioners experienced in the examination of flying personnel and in the relevant branch of
between the Underwriters and the Insured person.
The decision of the Dean and the referee shall be final and binding on all parties.
The costs of examination and arbitration will be borne by the Underwriters.
SCHEDULE OF INSURED PERSONS
Date of Birth Licences held,
Type and Number
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
The receipt by the Underwriters of a release from the Insured person or any other duly authorised representative
constitute an absolute discharge to the Underwriters in respect of payments made under this Insurance.
The Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition, the
person may be required to undergo an examination by a qualified medical practitioner experienced in the
The Underwriters also reserve the right to request the Insured person to undergo reasonable medical treatment and
investigations at the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
treatment and/or investigations would probably result in the restoration of the Insured person's Licence(s)/
Should the Insured person wish to dispute the decision of the Underwriters or their medical advisers or qualified
practitioner the matter will be referred for arbitration to the Dean of the Faculty of Occupational Medicine of
of Physicians in London, England. The Dean will appoint one person to act as referee from a panel
practitioners experienced in the examination of flying personnel and in the relevant branch of
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
SECTION IX – AVIATION
11. ABOUT THIS INSURANCE
1.5. Legal Contract
This Insurance is a legal contract. This Insurance and any Endorsements are to be read as a complete
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
the Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
interests and duties of the parties to this Insurance are not assignable.
1.6. Interpretation
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
they appear in this Insurance. Where permitted by the context the mas
singular shall include the plural and the plural the singular.
1.7. Applicable Law
Prior to the inception date of this Insurance stated in Item
Insured and the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
jurisdiction of the English courts.
1.8. Waivers
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Condition 8.2. or 8.3.
subject to full information being received and any special conditions or additional premium as may be imposed or
requested. Subject otherwise to all the terms and conditions of this Insurance. No waiver will be operative unless
signified by an endorsement signed by the Underwriters or their authorised representative and attached to this
Insurance. Advice to Underwriters of any c
any previous policy shall not consititute an acceptance by them of the same under this Insurance unless endorsed
hereon as aforesaid.
12. DUTIES OF THE INSURED
2.10. To pay the Premium stated in Item
of the inception date of this Insurance stated in Item
the Insured to comply with this condition will result in the automatic voiding of the Insurance ab initio.
2.11. To disclose all facts and circumstances which affect this Insurance or its formation or the Underwriters’
assessment of the risk involved prior to the inception date
limited to an exact description of all Licence(s) and Certificate(s) held. Failure of the Insured to comply with this
condition will give the Underwriters the option to either consider the Insura
reasonable additional premium or make reasonable alterations to the terms and conditions of the Insurance.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
AVIATION INSURANCE - INDIVIDUAL AIRCREW LOSS
OF LICENCE
This Insurance is a legal contract. This Insurance and any Endorsements are to be read as a complete
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
of the parties to this Insurance are not assignable.
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
appear in this Insurance. Where permitted by the context the masculine gender shall include the feminine, the
shall include the plural and the plural the singular.
Prior to the inception date of this Insurance stated in Item Error! Reference source not found.
nd the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Condition 8.2. or 8.3.
subject to full information being received and any special conditions or additional premium as may be imposed or
ubject otherwise to all the terms and conditions of this Insurance. No waiver will be operative unless
signified by an endorsement signed by the Underwriters or their authorised representative and attached to this
Insurance. Advice to Underwriters of any circumstance, accident or illness or physical or medical condition under
previous policy shall not consititute an acceptance by them of the same under this Insurance unless endorsed
2.10. To pay the Premium stated in Item Error! Reference source not found. of the Schedule within thirty (30) days
inception date of this Insurance stated in Item Error! Reference source not found. of the Schedule. Failure of
ith this condition will result in the automatic voiding of the Insurance ab initio.
2.11. To disclose all facts and circumstances which affect this Insurance or its formation or the Underwriters’
the risk involved prior to the inception date of this Insurance stated in the Schedule, including but not
description of all Licence(s) and Certificate(s) held. Failure of the Insured to comply with this
Underwriters the option to either consider the Insurance void ab initio or to charge a
make reasonable alterations to the terms and conditions of the Insurance.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
INDIVIDUAL AIRCREW LOSS
This Insurance is a legal contract. This Insurance and any Endorsements are to be read as a complete document. No
waiver or change of the terms of this Insurance shall be valid unless evidenced by written Endorsement signed by
Underwriters or their authorised representatives. Such written changes form a part of this Insurance. The
Words and expressions in bold type to which a specific definition is given shall have the same meaning wherever
culine gender shall include the feminine, the
Error! Reference source not found. of the Schedule, the
nd the Underwriters are free to agree upon the law applicable to this Insurance and unless otherwise
specifically agreed and endorsed hereon to the contrary, this Insurance shall be subject to English Law and the
The Underwriters, at their entire discretion, may effect a waiver of Exclusion 7.8., 7.4. or 7.5. or Condition 8.2. or 8.3.
subject to full information being received and any special conditions or additional premium as may be imposed or
ubject otherwise to all the terms and conditions of this Insurance. No waiver will be operative unless
signified by an endorsement signed by the Underwriters or their authorised representative and attached to this
ircumstance, accident or illness or physical or medical condition under
previous policy shall not consititute an acceptance by them of the same under this Insurance unless endorsed
of the Schedule within thirty (30) days
of the Schedule. Failure of
ith this condition will result in the automatic voiding of the Insurance ab initio.
2.11. To disclose all facts and circumstances which affect this Insurance or its formation or the Underwriters’
of this Insurance stated in the Schedule, including but not
description of all Licence(s) and Certificate(s) held. Failure of the Insured to comply with this
nce void ab initio or to charge a
make reasonable alterations to the terms and conditions of the Insurance.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
2.12. To comply with all the terms and conditions of this Insurance both before and after the happening of any
Insured Event. Failure of the Insured to comply with this condition will give the Underwriters the right to refuse to
pay any claim which may result from or be affected by or connected with the failure.
2.13. The Insured must advise the Underwriters of any
authority or any other authority having jurisdiction over the
authority. Failure of the Insured to comply with this condition will give the Underwrite
any claim under Insured Events Error! Reference source not found.
effective date of such changes in medical standards whether or not the claim was in any way related to such chan
2.14. The Insured must advise the Underwriters of any additional
of this Insurance and any changes to the type or number of the
at the inception date of this Insurance stated in Item
the Insured to comply with this condition will give the Underwriters the right to refuse to pay any claim under
Insured Events Error! Reference source not
such changes.
13. INSURING AGREEMENTS
4.5. In consideration of the fulfilment of the Duties described in Section 2. of this Insurance, the Underwriters named
in Item Error! Reference source not found.
4.6. The Underwriters will for each Insured pay to the Insured the amount of the compensation stated in Item
Reference source not found. of the Schedule upon the happening
and conditions of this Insurance.
4.7. Compensation will be paid for only one
source not found., Permanent Total Disablement (Loss of
Reference source not found., Temporary Total Disablement (Loss of Licence)
compensation paid under any of Insured Event Error! Reference source not found.
amount payable under any of Insured Events Error! Reference source not found.
any previous insurance of which this Insurance is a renewal.
4.8. The Insurance does not apply to any person having any medical restr
specifically noted in the Schedule or otherwise endorsed on this Insurance in wri
Underwriters or their authorised representative.
14. SPECIAL LIMITATIONS AND CONDITIONS IN RESPECT OF CE
5.5. All Insured Event Error! Reference source not found.
No payment will be made should the Insured die within 12 months of the issuance of the long term unfitness
assessment or permanent revocation by the licence issuing authority. The Underwriters shall not be obliged to settle
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
2.12. To comply with all the terms and conditions of this Insurance both before and after the happening of any
. Failure of the Insured to comply with this condition will give the Underwriters the right to refuse to
which may result from or be affected by or connected with the failure.
2.13. The Insured must advise the Underwriters of any changes in the medical standards of the licence issuing
any other authority having jurisdiction over the Licence(s)/Certificate(s), including governmental
the Insured to comply with this condition will give the Underwriters the right to refuse to pay
Events Error! Reference source not found. or Error! Reference source not found.
changes in medical standards whether or not the claim was in any way related to such chan
2.14. The Insured must advise the Underwriters of any additional Licence(s)/Certificate(s) gained during the period
Insurance and any changes to the type or number of the Licence(s)/Certificate(s) stated in the Schedule held
date of this Insurance stated in Item Error! Reference source not found. of the Schedule. Failure of
Insured to comply with this condition will give the Underwriters the right to refuse to pay any claim under
Events Error! Reference source not found. or Error! Reference source not found. after the effective date of
4.5. In consideration of the fulfilment of the Duties described in Section 2. of this Insurance, the Underwriters named
Error! Reference source not found. of the Schedule hereby agree as follows.
4.6. The Underwriters will for each Insured pay to the Insured the amount of the compensation stated in Item
of the Schedule upon the happening of an Insured Event subject always to all the
4.7. Compensation will be paid for only one Insured Event except where any of Insured Event Error! Reference
Permanent Total Disablement (Loss of Licence), follows on from any of
Temporary Total Disablement (Loss of Licence), in which case the amount of any
Insured Event Error! Reference source not found. will be deduct
Insured Events Error! Reference source not found. whether under this Insurance or
any previous insurance of which this Insurance is a renewal.
4.8. The Insurance does not apply to any person having any medical restriction to his Licence(s)/Certificate(s)
specifically noted in the Schedule or otherwise endorsed on this Insurance in writing and signed by the
their authorised representative.
14. SPECIAL LIMITATIONS AND CONDITIONS IN RESPECT OF CERTAIN INSURED EVENTS
Error! Reference source not found., Permanent Total Disablement (Loss of Licence)
No payment will be made should the Insured die within 12 months of the issuance of the long term unfitness
permanent revocation by the licence issuing authority. The Underwriters shall not be obliged to settle
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
2.12. To comply with all the terms and conditions of this Insurance both before and after the happening of any
. Failure of the Insured to comply with this condition will give the Underwriters the right to refuse to
changes in the medical standards of the licence issuing
, including governmental
rs the right to refuse to pay
Error! Reference source not found. after the
changes in medical standards whether or not the claim was in any way related to such changes.
gained during the period
stated in the Schedule held
of the Schedule. Failure of
Insured to comply with this condition will give the Underwriters the right to refuse to pay any claim under
after the effective date of
4.5. In consideration of the fulfilment of the Duties described in Section 2. of this Insurance, the Underwriters named
4.6. The Underwriters will for each Insured pay to the Insured the amount of the compensation stated in Item Error!
subject always to all the terms
Insured Event Error! Reference
, follows on from any of Insured Event Error!
, in which case the amount of any
will be deducted from the
whether under this Insurance or
Licence(s)/Certificate(s) unless
ting and signed by the
RTAIN INSURED EVENTS
, Permanent Total Disablement (Loss of Licence)
No payment will be made should the Insured die within 12 months of the issuance of the long term unfitness
permanent revocation by the licence issuing authority. The Underwriters shall not be obliged to settle
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
any claim until 180 days after the Date of Loss
whichever occurs last nor before all enquirie
Underwriters may at their option settle the claim in yearly instalments and require proof of the continuing disability
if in their opinion it is not unlikely that the Licence(s)/ Certific
and/or similar Licence(s)/ Certificate(s)
Loss.
No payment will be made unless the issuance of the long term unfitness assessment or
licence issuing authority occurs within 12 months of the date of the
Undiagnosed Illness was reported to a qualified medical practitioner, as the case may be except in the
circumstances:
a) where the Underwriters have accepted the existence of the pre
will be made unless the issuance of the long term unfitness assessment or permanent revocation by
issuing authority consequent upon such condition occurs during the period of Insurance;
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing
follows immediately upon any of Insured Event
5.6. Insured Event Error! Reference source not found.
Substances Illness
Compensation will only be payable if the Insured within ninety days from the date of the diagnosis enters
rehabilitation programme approved by the Underwriters and demonstrates and continues to demonstrate to the
satisfaction of the Underwriters that he is participating and co
programme.
The cost of participation in the programme will be deducted from the compensation payable. Provided always that
the Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
Schedule.
5.7. Insured Event Error! Reference source not found.
Undiagnosed Illness
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Insured
under the Arbitration clause contained herein or to an
5.8. All Insured Event Error! Reference source not found.
Compensation will not be payable in respect of the Excess Period stated in the Schedule.
Where the Underwriters have accepted the existence of a pre
to pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Date of Loss or the date the Insured makes a claim under this Insurance,
occurs last nor before all enquiries relating to the claim have been completed by the Underwriters. The
may at their option settle the claim in yearly instalments and require proof of the continuing disability
is not unlikely that the Licence(s)/ Certificate(s) will be restored or the revocation cancelled
Certificate(s) may be obtained anywhere in the world within five years of the
No payment will be made unless the issuance of the long term unfitness assessment or permanent revocation by the
licence issuing authority occurs within 12 months of the date of the Accident or the date illness manifested itself or
was reported to a qualified medical practitioner, as the case may be except in the
a) where the Underwriters have accepted the existence of the pre-existing condition, and in such case no
will be made unless the issuance of the long term unfitness assessment or permanent revocation by
authority consequent upon such condition occurs during the period of Insurance;
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing
Insured Event Error! Reference source not found.
Error! Reference source not found., Permanent Total Disablement (Loss of Licence) by
Compensation will only be payable if the Insured within ninety days from the date of the diagnosis enters
rehabilitation programme approved by the Underwriters and demonstrates and continues to demonstrate to the
satisfaction of the Underwriters that he is participating and co-operating in all aspects of such rehabilitation
ion in the programme will be deducted from the compensation payable. Provided always that
Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
urce not found., Permanent Total Disablement (Loss of Licence) by
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Insured
the Arbitration clause contained herein or to any court having jurisdiction.
Error! Reference source not found., Temporary Total Disablement (Loss of Licence)
Compensation will not be payable in respect of the Excess Period stated in the Schedule.
accepted the existence of a pre-existing condition, the Underwriters shall not be liable
pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
s a claim under this Insurance,
s relating to the claim have been completed by the Underwriters. The
may at their option settle the claim in yearly instalments and require proof of the continuing disability
ate(s) will be restored or the revocation cancelled
may be obtained anywhere in the world within five years of the Date of
permanent revocation by the
or the date illness manifested itself or
was reported to a qualified medical practitioner, as the case may be except in the following
existing condition, and in such case no payment
will be made unless the issuance of the long term unfitness assessment or permanent revocation by the licence
b) where the issuance of the long term unfitness assessment or permanent revocation by the licence issuing authority
, Permanent Total Disablement (Loss of Licence) by
Compensation will only be payable if the Insured within ninety days from the date of the diagnosis enters a
rehabilitation programme approved by the Underwriters and demonstrates and continues to demonstrate to the
operating in all aspects of such rehabilitation
ion in the programme will be deducted from the compensation payable. Provided always that
Underwriters shall not be liable to pay more in total than the relevant amount of the compensation stated in the
, Permanent Total Disablement (Loss of Licence) by
Compensation is payable at the entire discretion of the Underwriters, without any right of recourse of the Insured
, Temporary Total Disablement (Loss of Licence)
existing condition, the Underwriters shall not be liable
pay under this Insurance and any previous policy or policies combined for more than the total Benefit Period
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
stated in Item Error! Reference source not found.
conditions.
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
medical practitioner. Evidence of the continuance of disability shal
precedent to any liability of the Underwriters.
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
compensation is paid shall terminate upon
a) the cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
not the Insured decides to return to normal duties,
b) the issuance of a long term unfitness assessment or permanent revocation by the licence issuin
c) the expiry of the Benefit Period
whichever shall occur first.
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
No payment will be made unless the issuance of the temporary unfitn
occurs within 12 months of the date of the
reported to a qualified medical practitioner, as the case may be except where the Underwrit
existence of a pre-existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
15. DEFINITIONS
11. Insured Event
Insured Event means any of the events specified as such in Item
12. by Accident
by Accident means
a) by reason of or on the sole grounds of the Insured having sustained
resulting from or medical or surgical treatment rendered necessary by such injury AND
b) where such injury is caused by an Accident
AND
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Error! Reference source not found. of the Schedule in respect of any one medical condition or set of
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
medical practitioner. Evidence of the continuance of disability shall be provided to the Underwriters as a condition
precedent to any liability of the Underwriters.
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
is paid shall terminate upon
cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
not the Insured decides to return to normal duties,
b) the issuance of a long term unfitness assessment or permanent revocation by the licence issuin
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
No payment will be made unless the issuance of the temporary unfitness assessment by the licence issuing authority
occurs within 12 months of the date of the Accident or the date illness manifested itself or Undiagnosed Illness
reported to a qualified medical practitioner, as the case may be except where the Underwrit
existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
means any of the events specified as such in Item Error! Reference source not found.
a) by reason of or on the sole grounds of the Insured having sustained identifiable physical injury or illness
resulting from or medical or surgical treatment rendered necessary by such injury AND
Accident in a manner which is violent, unforeseen, external and visible
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
e Schedule in respect of any one medical condition or set of
No payment will be made unless the medical condition necessitates treatment and regular attendance by a qualified
l be provided to the Underwriters as a condition
Subject to any provisions of this Insurance which would entail an earlier termination, the period for which
cancellation or expiry of the temporary unfitness assessment by the licence issuing authority, whether or
b) the issuance of a long term unfitness assessment or permanent revocation by the licence issuing authority or
Benefit payable shall be payable monthly, 30 days in arrears and apportionable pro rata from day to day.
ess assessment by the licence issuing authority
Undiagnosed Illness was
reported to a qualified medical practitioner, as the case may be except where the Underwriters have accepted the
existing condition and in such case no payment will be made unless the consequent issuance of the
temporary unfitness assessment by the licence issuing authority occurs during the period of Insurance.
Error! Reference source not found. of the Schedule.
identifiable physical injury or illness directly
in a manner which is violent, unforeseen, external and visible
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
c) where such injury occurs during the period of Insurance specified in Item
the Schedule.
13. Accident
Accident means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
shall also include exposure to the elements resulting from such an event.
14. by General Illness
by General Illness means on the sole grounds that the Insured has sustained an illness which manifests itself during
the period of Insurance stated in Item Error!
falling within the terms of Definition 5., Substances Illness
itself the direct consequence of identifiable physical injury ca
15. by Substances Illness
by Substances Illness means on the sole grounds that the Insured has sustained an illness which manifests itself
during the period of Insurance stated in Item
indirectly consequent upon the influence of alcohol, drugs or narcotics.
16. by Undiagnosed Illness
by Undiagnosed Illness means on the sole grounds that the Insured has sustained a set of physical or mental
symptoms which is advised to a qualified medical practitioner during the period of Insurance stated in Item
Reference source not found. of the Schedule and which is not detectable or diagnosable as an illness.
17. Permanent Total Disablement (Loss
Permanent Total Disablement (Loss of Licence)
which any Licence(s)/Certificate(s) are held due to all such
long term unfitness assessment being issued in respect thereof on medical grounds which in the opinion of a
qualified medical practitioner are beyond hope of improvement and which entails both the following consequences:
a) the inability of the Insured to obtain a
unfitness assessment or revocation within a period of 60 months from the date of the same;
b) the inability of the Insured to obtain any similar licence or certificate anywhere in
months from the date of the issuance of the unfitness assessment or revocation.
Provided that nothing in this Definition shall impose any obligation on the part of the Insured to seek the
withdrawal of any long term unfitness assessment or permanent revocation of the
18. Temporary Total Disablement (Loss of Licence)
Temporary Total Disablement (Loss of Licence)
for which he holds a Licence(s)/Certificate(s)
the licence issuing authority on medical grounds.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
ere such injury occurs during the period of Insurance specified in Item Error! Reference source not
means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
also include exposure to the elements resulting from such an event.
means on the sole grounds that the Insured has sustained an illness which manifests itself during
Error! Reference source not found. of the Schedule and which is not an illness
Substances Illness or Definition 6., Undiagnosed Illness
itself the direct consequence of identifiable physical injury caused by an Accident.
means on the sole grounds that the Insured has sustained an illness which manifests itself
during the period of Insurance stated in Item Error! Reference source not found. of the Schedul
consequent upon the influence of alcohol, drugs or narcotics.
means on the sole grounds that the Insured has sustained a set of physical or mental
symptoms which is advised to a qualified medical practitioner during the period of Insurance stated in Item
of the Schedule and which is not detectable or diagnosable as an illness.
17. Permanent Total Disablement (Loss of Licence)
Permanent Total Disablement (Loss of Licence) means the prevention of the Insured from acting in any capacity for
are held due to all such Licence(s)/Certificate(s) being permanently revoked or a
fitness assessment being issued in respect thereof on medical grounds which in the opinion of a
medical practitioner are beyond hope of improvement and which entails both the following consequences:
a) the inability of the Insured to obtain a renewal of such Licence(s) or Certificate(s) or to obtain withdrawal of the
unfitness assessment or revocation within a period of 60 months from the date of the same;
b) the inability of the Insured to obtain any similar licence or certificate anywhere in the world within a period of
months from the date of the issuance of the unfitness assessment or revocation.
Provided that nothing in this Definition shall impose any obligation on the part of the Insured to seek the
any long term unfitness assessment or permanent revocation of the Licence(s)/Certificate(s)
18. Temporary Total Disablement (Loss of Licence)
Temporary Total Disablement (Loss of Licence) means the prevention of the Insured from acting in any capacity
Licence(s)/Certificate(s) due to the Licence(s)/Certificate(s) being temporarily suspended by
licence issuing authority on medical grounds.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
Error! Reference source not found. of
means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but
means on the sole grounds that the Insured has sustained an illness which manifests itself during
of the Schedule and which is not an illness
Undiagnosed Illness and which is not in
means on the sole grounds that the Insured has sustained an illness which manifests itself
of the Schedule directly or
means on the sole grounds that the Insured has sustained a set of physical or mental
symptoms which is advised to a qualified medical practitioner during the period of Insurance stated in Item Error!
of the Schedule and which is not detectable or diagnosable as an illness.
means the prevention of the Insured from acting in any capacity for
being permanently revoked or a
fitness assessment being issued in respect thereof on medical grounds which in the opinion of a
medical practitioner are beyond hope of improvement and which entails both the following consequences:
renewal of such Licence(s) or Certificate(s) or to obtain withdrawal of the
the world within a period of 60
Provided that nothing in this Definition shall impose any obligation on the part of the Insured to seek the
Licence(s)/Certificate(s).
means the prevention of the Insured from acting in any capacity
being temporarily suspended by
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
Temporary Total Disablement (Loss of Licence)
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
authority
19. Licence(s)/Certificate(s)
Licence(s)/Certificate(s) means all Licences or Certificates held by the Insured in conn
20. Date of Loss
Date of Loss means the first day that the Insured is suspended from active duty consequent upon the issuance of the
temporary suspension or issuance of a long term unfitness assessment or permanent revocation o
Licence(s)/Certificate(s). Suspension must be evidenced by receipt by the Underwriters within 28 days of issuance of
a "temporarily unfit" assessment issued by the relevant licence issuing authority, failing which, the
shall not be deemed to be earlier than the date of receipt by the Underwriters of the same.
16. EXCLUSIONS
Except where specifically stated to the contrary, this Insurance does not cover any
indirectly, wholly or partially, arising out
7.11. Suicide
suicide or attempted suicide or intentional self
7.12. AIDS
venereal disease or Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related
syndrome has been acquired or may be named;
7.13. Drugs and Alcohol
(not applicable to Insured Events Error! Reference source not found.
Insured Person being under the influence of
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are
heeded. Drugs or alcohol administered or prescribed in the context
from coverage;
7.14. Pre-Existing Physical Conditions
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this Insurance
stated in the Schedule; For the purposes
infirmity exists prior to the inception date of this Insurance if it has been diagnosed by a qualified medical
practitioner prior to the said inception date or in the event that it h
qualified medical practitioner the Insured
inception date of this Insurance.
7.15. Pre-Existing Mental Conditions
any mental or behavioural disorders known to exist at the inception date of this Insurance stated in the Schedule
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
Temporary Total Disablement (Loss of Licence) shall also include any period of self-suspensi
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
means all Licences or Certificates held by the Insured in connection with his occupation.
means the first day that the Insured is suspended from active duty consequent upon the issuance of the
temporary suspension or issuance of a long term unfitness assessment or permanent revocation o
. Suspension must be evidenced by receipt by the Underwriters within 28 days of issuance of
a "temporarily unfit" assessment issued by the relevant licence issuing authority, failing which, the
not be deemed to be earlier than the date of receipt by the Underwriters of the same.
Except where specifically stated to the contrary, this Insurance does not cover any Insured Event
or partially, arising out of or consequent upon or contributed to or aggravated by:
suicide or attempted suicide or intentional self-injury or assault provoked by the Insured;
venereal disease or Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this
syndrome has been acquired or may be named;
Error! Reference source not found. and Error! Reference source not found.
Insured Person being under the influence of alcohol or drugs. Where drugs or alcohol are administered or
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are
heeded. Drugs or alcohol administered or prescribed in the context of dependency are, however always
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this Insurance
For the purposes of this exclusion a physical impairment, defect, degenerative process or
inception date of this Insurance if it has been diagnosed by a qualified medical
date or in the event that it has not been diagnosed then in the opinion of a
qualified medical practitioner the Insured could reasonably have been expected to be aware of its existence at the
ral disorders known to exist at the inception date of this Insurance stated in the Schedule
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
suspension provided it is
confirmed within 28 days by the issuance of a "temporarily unfit" assessment by the relevant licence issuing
ection with his occupation.
means the first day that the Insured is suspended from active duty consequent upon the issuance of the
temporary suspension or issuance of a long term unfitness assessment or permanent revocation of the Insured's
. Suspension must be evidenced by receipt by the Underwriters within 28 days of issuance of
a "temporarily unfit" assessment issued by the relevant licence issuing authority, failing which, the Date of Loss
Insured Event directly or
of or consequent upon or contributed to or aggravated by:
Complex (ARC) howsoever this
Error! Reference source not found.) the
alcohol or drugs. Where drugs or alcohol are administered or prescribed
by a qualified medical practitioner, the Insured is covered provided that all related advice and warnings are being
of dependency are, however always excluded
physical impairment, defect, degenerative process or infirmity existing prior to the inception date of this Insurance
of this exclusion a physical impairment, defect, degenerative process or
inception date of this Insurance if it has been diagnosed by a qualified medical
as not been diagnosed then in the opinion of a
could reasonably have been expected to be aware of its existence at the
ral disorders known to exist at the inception date of this Insurance stated in the Schedule
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
diagnosed by a qualified medical practitioner for which medical treatment has been received by the Insured and
which is included in the internationally recognised c
Manual of Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
personal performance as indicated by at least one of the following:
a) a limitation in activities of daily living,
b) social functioning,
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under
terms of aptitude, learning new material, reliable accuracy, endurance and pace of w
d) deterioration or decompensation in work settings,
e) episodic disorders of mood,
f) disorders of form and control of thought.
7.16. War
war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
insurrection, or military or usurped power except where the Insured is unexpectedly, passively and innocently
affected by any such event while actually on duty for the Employer;
7.17. Radioactivity
radioactive contamination;
7.18. Dangerous Activities
the Insured engaging in or taking part in
a) naval, military or air force service or operations other than non
part in military or joint military exercises;
b) flying involving the intentional dropp
firefighting, slash and burn, animal capture and other similarly hazardous activities;
c) winter sports (other than skating or curling);
d) skin diving involving the aid or breathing
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
canyoning, abseiling, ballooning, deep sea fishing, quad biking or driving or
e) driving or riding on motor cycles or motor scooters other than mopeds;
7.19. Deliberate Exposure
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
diagnosed by a qualified medical practitioner for which medical treatment has been received by the Insured and
is included in the internationally recognised classification system DSM-IV (the Diagnostic and Statistical
Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
performance as indicated by at least one of the following:
in activities of daily living,
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under
terms of aptitude, learning new material, reliable accuracy, endurance and pace of work,
d) deterioration or decompensation in work settings,
f) disorders of form and control of thought.
war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion,
insurrection, or military or usurped power except where the Insured is unexpectedly, passively and innocently
by any such event while actually on duty for the Employer;
the Insured engaging in or taking part in
a) naval, military or air force service or operations other than non-combatant duties but always excluding taking
part in military or joint military exercises;
b) flying involving the intentional dropping, spraying or release of anything, slung cargo, aerial photography,
slash and burn, animal capture and other similarly hazardous activities;
c) winter sports (other than skating or curling);
d) skin diving involving the aid or breathing apparatus, rock climbing or mountaineering normally involving the
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
canyoning, abseiling, ballooning, deep sea fishing, quad biking or driving or riding in any kind of race;
e) driving or riding on motor cycles or motor scooters other than mopeds;
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
diagnosed by a qualified medical practitioner for which medical treatment has been received by the Insured and
IV (the Diagnostic and Statistical
Mental Disorders, Fourth Edition, 1994). Such a diagnosis shall imply severe and lasting impairment in
c) impairment in concentration, memory or other cognitive functioning leading to chronic task under-performance in
war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution,
insurrection, or military or usurped power except where the Insured is unexpectedly, passively and innocently
combatant duties but always excluding taking
ing, spraying or release of anything, slung cargo, aerial photography,
apparatus, rock climbing or mountaineering normally involving the use
of ropes or guides, potholing, hang gliding, parachuting, hunting on horseback, paragliding, bungeejumping,
riding in any kind of race;
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
deliberate exposure to exceptional danger (except in an attempt to save human life or in self
own criminal act;
7.20. Pregnancy
pregnancy or childbirth;
17. CONDITIONS
8.5. Good Health
It is hereby warranted that the Insured is in good health and is not only present at his place of work but is mentally
and physically capable of carrying out his normal
the inception date of this Insurance and has not been absent for more than 10 days in the preceding 3 months.
If the Insured does not satisfy this condition then cover will not be provided
a) The Insured has returned to work and completed 2 months continuous and active service, or
b) The Insured has completed a proposal form, satisfactory to the Underwriters, if the Insured wishes to be
in the Insurance earlier.
If the Insured elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may not be
chosen subsequently.
8.6. Termination
The Insurance will terminate and cease to have effect upon the Insured:
a) attaining age 60.
b) ceasing to be gainfully employed in the capacity for which he holds the
inception date of this Insurance stated in Item
8.7. Capital Sum Insured Restriction
With respect to Insured Events Error! Reference source not found.
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
Loss of Licence Policies held in the name of the In
Up to and
Including Capital Sum Insured Restriction
age 29 5.0 times annual earnings from normal profession
30 to 39 4.0 times annual earnings from normal profession
40 to 49 3.0 times annual earnings from normal profession
50 the lesser of £90,000 or 2.0 times annual earnings from normal profession
51 the lesser of £80,000 or 2.0 times annual earnings from normal profession
52 the lesser of £70,000 or 2.0 times annual earnings from normal profession
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
deliberate exposure to exceptional danger (except in an attempt to save human life or in self-
It is hereby warranted that the Insured is in good health and is not only present at his place of work but is mentally
physically capable of carrying out his normal regular duties associated with the job for which he is employed at
inception date of this Insurance and has not been absent for more than 10 days in the preceding 3 months.
If the Insured does not satisfy this condition then cover will not be provided until:-
a) The Insured has returned to work and completed 2 months continuous and active service, or
b) The Insured has completed a proposal form, satisfactory to the Underwriters, if the Insured wishes to be
Insured elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may not be
The Insurance will terminate and cease to have effect upon the Insured:-
be gainfully employed in the capacity for which he holds the Licence(s)/Certificate(s)
inception date of this Insurance stated in Item Error! Reference source not found. of the Schedule.
sured Events Error! Reference source not found. and Error! Reference source not found.
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
Licence Policies held in the name of the Insured:-
Capital Sum Insured Restriction
5.0 times annual earnings from normal profession
4.0 times annual earnings from normal profession
3.0 times annual earnings from normal profession
lesser of £90,000 or 2.0 times annual earnings from normal profession
the lesser of £80,000 or 2.0 times annual earnings from normal profession
the lesser of £70,000 or 2.0 times annual earnings from normal profession
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
-defence) or an Insured's
It is hereby warranted that the Insured is in good health and is not only present at his place of work but is mentally
regular duties associated with the job for which he is employed at
inception date of this Insurance and has not been absent for more than 10 days in the preceding 3 months.
a) The Insured has returned to work and completed 2 months continuous and active service, or
b) The Insured has completed a proposal form, satisfactory to the Underwriters, if the Insured wishes to be included
Insured elects to complete a proposal form, which is unacceptable to the Underwriters, option a) may not be
Licence(s)/Certificate(s) held at the
of the Schedule.
Error! Reference source not found., the
Capital Sums Insured shall not be deemed to exceed the following multiples under this and / or all other current
lesser of £90,000 or 2.0 times annual earnings from normal profession
the lesser of £80,000 or 2.0 times annual earnings from normal profession
the lesser of £70,000 or 2.0 times annual earnings from normal profession
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
53 the lesser of £60,000
54 the lesser of £50,000 or 2.0 times annual earnings from normal profession
55 the lesser of £40,000 or 1.8 times annual earnings from normal profession
56 to 59
Inclusive the lesser of £20,000 o
In order to recover the full benefits payable under this Insurance, the Insured must have notified the Underwriters of
any other loss of licence insurance and the existence of that other insurance must ha
the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is deemed to be
surplus to all other valid and collectable insurances. Any payment under these circumstances will only be the
difference, if any, between the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
8.8. Fraud
If the Insured commits fraud or attempts to do so in connection with any claim unde
shall become automatically void ab initio.
18. CLAIMS PROCEDURES
The Insured must fully comply with the following procedures, which are conditions precedent to any liability of the
Underwriters to make payment of any amounts under this Insurance.
Upon the happening of an Insured Event
1. Make a claim by notifying the entity named in Item
by registered mail as soon as possible and in any event not later than thirty days after the date of death or the date of
unfitness as a result of sustaining an Accident
details as known to the Insured and documentary evidence
of notification shall be taken as the date upon which the notice was delivered to the entity named in Item
Reference source not found. of the Schedule. Advice of a claim by telephone messag
notice of a claim.
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
Accident or illness.
3. Irrevocably authorise the Underwriters:
a) to obtain details of all medical reports and hospital records and obtain information from any physicians,
and hospital authorities concerned with the treatment of or consulted by the Insured;
b) to obtain information from and seek the opinion of the principal medical
any other competent authority or its successors (or other appropriate medical officer appointed for the
the likelihood of the Insured ever obtaining a restoration of his
Insured is unlikely to ever obtain such restoration the Underwriters will accept that opinion
the Insured.
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
the lesser of £60,000 or 2.0 times annual earnings from normal profession
the lesser of £50,000 or 2.0 times annual earnings from normal profession
the lesser of £40,000 or 1.8 times annual earnings from normal profession
the lesser of £20,000 or 1.0 times annual earnings from normal profession
In order to recover the full benefits payable under this Insurance, the Insured must have notified the Underwriters of
any other loss of licence insurance and the existence of that other insurance must have been noted and accepted by
the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is deemed to be
surplus to all other valid and collectable insurances. Any payment under these circumstances will only be the
difference, if any, between the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
If the Insured commits fraud or attempts to do so in connection with any claim under this Insurance, the Insurance
tomatically void ab initio.
The Insured must fully comply with the following procedures, which are conditions precedent to any liability of the
to make payment of any amounts under this Insurance.
Insured Event, the Insured and/or his Legal Personal Representatives must:
1. Make a claim by notifying the entity named in Item Error! Reference source not found. of the Schedule in writing
and in any event not later than thirty days after the date of death or the date of
Accident or the manifestation of illness. Such notification shall include all
as known to the Insured and documentary evidence issued by the relevant licence issuing authority. The date
notification shall be taken as the date upon which the notice was delivered to the entity named in Item
of the Schedule. Advice of a claim by telephone message is not deemed to be proper
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
3. Irrevocably authorise the Underwriters:-
ll medical reports and hospital records and obtain information from any physicians,
and hospital authorities concerned with the treatment of or consulted by the Insured;
b) to obtain information from and seek the opinion of the principal medical officer of the Civil Aviation Authority or
any other competent authority or its successors (or other appropriate medical officer appointed for the
the likelihood of the Insured ever obtaining a restoration of his Licence(s)/ Certificate(s). If the
Insured is unlikely to ever obtain such restoration the Underwriters will accept that opinion
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
or 2.0 times annual earnings from normal profession
the lesser of £50,000 or 2.0 times annual earnings from normal profession
the lesser of £40,000 or 1.8 times annual earnings from normal profession
r 1.0 times annual earnings from normal profession
In order to recover the full benefits payable under this Insurance, the Insured must have notified the Underwriters of
ve been noted and accepted by
the Underwriters before a claim arises. If no such prior notification has been given, this Insurance is deemed to be
surplus to all other valid and collectable insurances. Any payment under these circumstances will only be the
difference, if any, between the Capital Sum Insured Restriction, as stated above, and all other valid insurance.
r this Insurance, the Insurance
The Insured must fully comply with the following procedures, which are conditions precedent to any liability of the
, the Insured and/or his Legal Personal Representatives must:
of the Schedule in writing
and in any event not later than thirty days after the date of death or the date of
or the manifestation of illness. Such notification shall include all
issued by the relevant licence issuing authority. The date
notification shall be taken as the date upon which the notice was delivered to the entity named in Item Error!
e is not deemed to be proper
2. At the request and expense of the Underwriters, submit to an independent medical examination in the event of an
ll medical reports and hospital records and obtain information from any physicians, surgeons
officer of the Civil Aviation Authority or
any other competent authority or its successors (or other appropriate medical officer appointed for the purpose) as to
If the opinion is that the
Insured is unlikely to ever obtain such restoration the Underwriters will accept that opinion as evidence in favour of
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 020. Customer Service Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI
6638 3699 | [email protected] |
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by
make a statutory declaration as to any facts relating to the claim and complete the Underwriters' standard claim
questionnaire on request.
5. Notify the Underwriters immediately if any action against a third party relating to the Insured
Licence(s)/Certificate(s) is planned or contemplated.
6. Notify the Underwriters immediately upon becoming aware of any investigation, Court of Enquiry or similar
proceedings likely to affect this Insurance and give all possible assistance and informat
the Underwriters as they may reasonably require.
7. Furnish the Underwriters with satisfactory proof of:
a) the happening of the event on which the Sum Insured will become payable
b) any other information that the Underwriter
The receipt by the Underwriters of a release from the Insured or any other duly authorised representative shall
constitute an absolute discharge to the Underwriters in respect of payments made under this Insurance.
19. ARBITRATION
The Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition, the
Insured may be required to undergo an examination by a qualified medical practitioner experienced in the medical
examination of flying personnel.
The Underwriters also reserve the right to request the Insured to undergo reasonable medical treatment and
investigations at the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
such treatment and/or investigations would probably result in the restoration of the Insured's
Certificate(s).
Should the Insured wish to dispute the decision of the Underwriters or their medical advisers or qualified medical
practitioner the matter will be referred for
Royal College of Physicians in London, England. The Dean will appoint one person to act as referee from a panel of
qualified medical practitioners experienced in the examination of fly
medicine, such panel to be agreed between the Underwriters and the Insured.
The decision of the Dean and the referee shall be final and binding on all parties.
The costs of examination and arbitration will be b
HDFC ERGO General Insurance
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016). CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai
loor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West). MUMBAI – 400078. Tel.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] | www.hdfcergo.com .IRDAI Reg No. 146.
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by
statutory declaration as to any facts relating to the claim and complete the Underwriters' standard claim
5. Notify the Underwriters immediately if any action against a third party relating to the Insured
is planned or contemplated.
6. Notify the Underwriters immediately upon becoming aware of any investigation, Court of Enquiry or similar
likely to affect this Insurance and give all possible assistance and information to lawyers appointed by
as they may reasonably require.
7. Furnish the Underwriters with satisfactory proof of:
a) the happening of the event on which the Sum Insured will become payable
b) any other information that the Underwriters may require.
The receipt by the Underwriters of a release from the Insured or any other duly authorised representative shall
absolute discharge to the Underwriters in respect of payments made under this Insurance.
Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition, the
may be required to undergo an examination by a qualified medical practitioner experienced in the medical
The Underwriters also reserve the right to request the Insured to undergo reasonable medical treatment and
the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
tigations would probably result in the restoration of the Insured's
Should the Insured wish to dispute the decision of the Underwriters or their medical advisers or qualified medical
the matter will be referred for arbitration to the Dean of the Faculty of Occupational Medicine of the
Physicians in London, England. The Dean will appoint one person to act as referee from a panel of
practitioners experienced in the examination of flying personnel and in the relevant branch of
agreed between the Underwriters and the Insured.
The decision of the Dean and the referee shall be final and binding on all parties.
The costs of examination and arbitration will be borne by the Underwriters.
T General Insurance Company Limited upto Sept 13, 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai – 400
400078. Tel.: +91 22 6638 3600 | Fax: 91 22
4. Sign all authorisations required by the Underwriters for these purposes, on written demand by the Underwriters
statutory declaration as to any facts relating to the claim and complete the Underwriters' standard claim
5. Notify the Underwriters immediately if any action against a third party relating to the Insured's
6. Notify the Underwriters immediately upon becoming aware of any investigation, Court of Enquiry or similar
ion to lawyers appointed by
The receipt by the Underwriters of a release from the Insured or any other duly authorised representative shall
absolute discharge to the Underwriters in respect of payments made under this Insurance.
Underwriters reserve the right to refer all unfitness assessments to their own medical advisers. In addition, the
may be required to undergo an examination by a qualified medical practitioner experienced in the medical
The Underwriters also reserve the right to request the Insured to undergo reasonable medical treatment and
the expense of the Underwriters if, in the opinion of the Underwriters and their medical advisers,
tigations would probably result in the restoration of the Insured's Licence(s)/
Should the Insured wish to dispute the decision of the Underwriters or their medical advisers or qualified medical
arbitration to the Dean of the Faculty of Occupational Medicine of the
Physicians in London, England. The Dean will appoint one person to act as referee from a panel of
ing personnel and in the relevant branch of