IRDAI product register · general insurance
IndusInd General Insurance Policy Wordings
IRDAI's non-life product register lists 21 IndusInd General products and 182 add-ons, approved 2017 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
IndusInd General Insurance, formerly Reliance General Insurance. The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Motor · Crop and rural
Fire and property (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Reliance Householders Package Insurance Policy | IRDAN103RP0006V04201516 | 19 Apr 2021 | Wording |
| Reliance Shopkeepers Package Insurance Policy | IRDAN103RP0025V04201516 | 7 Jun 2021 | Wording |
Shop, office, home and business packages (4)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Industry Care policy | IRDAN103RP0013V04201516 | 3 May 2021 | Wording |
| Reliance Commercial Care Insurance policy | IRDAN103RP0002V04201314 | 3 May 2021 | Wording |
| Reliance Hotel & Restaurant Package Policy | IRDAN103RP0007V03201516 | 3 Aug 2021 | Wording |
| Reliance Office Package Insurance Policy | IRDAN103RP0005V04201516 | 25 Oct 2021 | Wording |
Motor (13)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| A Policy for Act Liability Insurance (Private Car) – 3 years | IRDAN103RP0003V01201819 | 30 Aug 2018 | Wording |
| A Policy for Act Liability Insurance (Two Wheeler) – 5 years | IRDAN103RP0004V01201819 | 30 Aug 2018 | Wording |
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN103RP0065V02201819 | 16 Feb 2020 | Wording |
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN103RP0065V01201819 | 12 Dec 2018 | Wording |
| Long Term Two Wheeler Package Policy | IRDAN103P0001V01201718 | 18 Sep 2017 | Wording |
Reliance Private Car Package Policy – 3 years15 add-ons
| IRDAN103RP0005V01201819 | 30 Aug 2018 | Wording |
| Reliance Private Car Policy – Bundled | IRDAN103RP0007V02201819 | 16 Feb 2020 | Wording |
Reliance Private Car Policy – Bundled15 add-ons
| IRDAN103RP0007V01201819 | 30 Aug 2018 | Wording |
Reliance Private Car Policy- Stand-alone Own Damage12 add-ons
| IRDAN103RP0001V01201920 | 8 Aug 2019 | Wording |
| Reliance Two Wheeler Policy - Bundled | IRDAN103RP0008V03201819 | 30 Aug 2022 | Wording |
Reliance Two Wheeler Policy - Bundled5 add-ons
| IRDAN103RP0008V02201819 | 16 Feb 2020 | Wording |
Reliance Two Wheeler Policy - Bundled12 add-ons
| IRDAN103RP0008V01201819 | 30 Aug 2018 | Wording |
Reliance Two Wheeler Policy- Stand-alone Own Damage16 add-ons
| IRDAN103RP0002V01201920 | 8 Aug 2019 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Pradhan Mantri Fasal Bima Yojana | IRDAN103P0001V01201617 | 15 Feb 2017 | Wording |
| Restructured Weather Based Crop Insurance Scheme (RWBCIS) | IRDAN103P0002V01201617 | 24 Mar 2017 | Wording |
Add-ons filed on their own (107)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Accidental Damage | IRDAN103RP0018V01202021/A0023V01202122 | 2 Sep 2021 | Wording |
| Accidental Damage | IRDAN103RP0019V01202021/A0020V01202122 | 2 Sep 2021 | Wording |
| Accidental Damage Add-on cover under SFSP | IRDAN103A0027V01201718 | 26 Mar 2018 | Wording |
| Additional Custom Duty | IRDAN103RP0018V01202021/A0015V01202223 | 30 Aug 2022 | Wording |
| Additional Custom Duty | IRDAN103RP0019V01202021/A0013V01202223 | 30 Aug 2022 | Wording |
| Additional Customs Duty Clause Add-on cover under IAR | IRDAN103A0002V01201718 | 26 Mar 2018 | Wording |
| Additional Customs Duty Clause Add-on cover under SFSP | IRDAN103A0028V01201718 | 26 Mar 2018 | Wording |
| Additional Limit of TPPD for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0044V01201819 | 26 Sep 2018 | Wording |
| Adequacy of Sum Insured | IRDAN103RP0018V01202021/A0014V01202223 | 30 Aug 2022 | Wording |
| Adequacy of Sum Insured | IRDAN103RP0019V01202021/A0007V01202223 | 30 Aug 2022 | Wording |
| Brand and Trademark Clause Add-on cover under IAR | IRDAN103A0003V01201718 | 26 Mar 2018 | Wording |
| Brand and Trademark Clause Add-on cover under SFSP | IRDAN103A0029V01201718 | 26 Mar 2018 | Wording |
| CATALYST AND CONSUMABLE (INCLUDING LINING AND REFRACTORY) INTEREST IN PROCESS Add-on cover under IAR | IRDAN103A0004V01201718 | 26 Mar 2018 | Wording |
| CATALYST AND CONSUMABLE(INCLUDING LINING AND REFRACTORY) INTEREST IN PROCESS Add-on cover under SFSP | IRDAN103A0030V01201718 | 26 Mar 2018 | Wording |
| Claim preparation Clause Add-on cover under IAR | IRDAN103A0005V01201718 | 26 Mar 2018 | Wording |
| Claim preparation Clause Add-on cover under SFSP | IRDAN103A0031V01201718 | 26 Mar 2018 | Wording |
| Cleaning up and other costs Clause | IRDAN103A0006V01201718 | 26 Mar 2018 | Wording |
| Cleaning up and other costs Clause Add-on cover under SFSP | IRDAN103A0032V01201718 | 26 Mar 2018 | Wording |
| Consumable Expenses for Commercial Vehicle | IRDAN103RP0012V02100001/A0006V01202223 | 30 Aug 2022 | Wording |
| Consumable Expenses for Two Wheeler | IRDAN103RP0011V02100001/A0002V01202122 | 5 May 2021 | Wording |
| Consumable Expenses for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0004V01202122 | 27 May 2021 | Wording |
| Consumable for Private Car | IRDAN103RP0010V02100001/A0007V02201314 | 30 Sep 2019 | Wording |
| Daily Allowance Benefit for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0047V01201819 | 26 Sep 2018 | Wording |
| Daily Allowance Benefit Plus for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0052V01201819 | 26 Sep 2018 | Wording |
| Daily Allowance Benefit Plus for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0015V01202122 | 9 Jul 2021 | Wording |
| Decontamination Expenses Clause Add-on cover under IAR | IRDAN103A0007V01201718 | 26 Mar 2018 | Wording |
| Decontamination Expenses Clause Add-on cover under SFSP | IRDAN103A0033V01201718 | 26 Mar 2018 | Wording |
| DELIBERATE DAMAGE Add-on cover under IAR | IRDAN103A0008V01201718 | 26 Mar 2018 | Wording |
| DELIBERATE DAMAGE Add-on cover under SFSP | IRDAN103A0034V01201718 | 26 Mar 2018 | Wording |
| Emergency Hotel Accomodation for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0042V01201819 | 26 Sep 2018 | Wording |
| EMI Protection for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0051V01201819 | 26 Sep 2018 | Wording |
| EMI Protection for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0006V01202122 | 16 Jun 2021 | Wording |
| Engine Protector for commercial vehicle | IRDAN103RP0012V02100001/A0005V01202223 | 30 Aug 2022 | Wording |
| Engine Protector for Two Wheeler | IRDAN103RP0011V02100001/A0005V01202122 | 27 May 2021 | Wording |
| Engine Protector for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0003V01202122 | 27 May 2021 | Wording |
| Escalation Cover | IRDAN103RP0018V01202021/A0019V01202223 | 30 Aug 2022 | Wording |
| Escalation Cover | IRDAN103RP0019V01202021/A0011V01202223 | 30 Aug 2022 | Wording |
| EXPENSES FOR LOSS MINIMIZATION / LOSS PREVENTION -SFSP | IRDAN103A0035V01201718 | 26 Mar 2018 | Wording |
| EXPENSES FOR LOSS MINIMIZATION / LOSS PREVENTION Add-on cover under IAR | IRDAN103A0009V01201718 | 26 Mar 2018 | Wording |
| Expenses of Loss Minimization/Loss Prevention | IRDAN103RP0018V01202021/A0016V01202223 | 30 Aug 2022 | Wording |
| Expenses of Loss Minimization/Loss Prevention | IRDAN103RP0019V01202021/A0008V01202223 | 30 Aug 2022 | Wording |
| Helmet Cover for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0045V01201819 | 26 Sep 2018 | Wording |
| Helmet Cover for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0014V01202122 | 9 Jul 2021 | Wording |
| Hospital Cash Cover - Private Car | IRDAN103RP0010V02100001/A0029V01201920 | 28 Aug 2019 | Wording |
| INADVERTENT OMISSION Add-on cover under IAR | IRDAN103A0010V01201718 | 26 Mar 2018 | Wording |
| INADVERTENT OMISSION Add-on cover under SFSP | IRDAN103A0036V01201718 | 26 Mar 2018 | Wording |
| INLAND TRANSIT Add-on cover under IAR | IRDAN103A0011V01201718 | 26 Mar 2018 | Wording |
| INLAND TRANSIT Add-on cover under SFSP | IRDAN103A0037V01201718 | 26 Mar 2018 | Wording |
| Interest cover for working Capital Loan/Asset purchase loan | IRDAN103RP0018V01202021/A0022V01202122 | 2 Sep 2021 | Wording |
| Interest Cover for Working Capital Loan/Asset Purchase Loan | IRDAN103RP0019V01202021/A0019V01202122 | 2 Sep 2021 | Wording |
| Involuntary Betterment | IRDAN103RP0018V01202021/A0018V01202223 | 30 Aug 2022 | Wording |
| Involuntary Betterment | IRDAN103RP0019V01202021/A0010V01202223 | 30 Aug 2022 | Wording |
| Key Protect cover for Private Car | IRDAN103RP0010V02100001/A0008V02201314 | 30 Sep 2019 | Wording |
| Leak search / finding cost Clause Add-on cover under IAR | IRDAN103A0012V01201718 | 26 Mar 2018 | Wording |
| Leak search / finding cost Clause Add-on cover under SFSP | IRDAN103A0038V01201718 | 26 Mar 2018 | Wording |
| Legal Liability towards Employees and Third Party | IRDAN103RP0017V01202021/A0017V01202122 | 23 Aug 2021 | Wording |
| Loss of Personal Belongings - Reliance Private Car Package Policy | IRDAN103RP0010V02100001/A0031V01201920 | 9 Jan 2020 | Wording |
| Loss of Rent & Alternative Accommodation Expenses | IRDAN103RP0018V01202021/A0020V01202223 | 30 Aug 2022 | Wording |
| Loss of Rent & Alternative Accommodation Expenses | IRDAN103RP0019V01202021/A0012V01202223 | 30 Aug 2022 | Wording |
| Margin Clause Add-on cover under IAR | IRDAN103A0013V01201718 | 26 Mar 2018 | Wording |
| Margin Clause Add-on cover under SFSP | IRDAN103A0039V01201718 | 26 Mar 2018 | Wording |
| NCB Retention Cover for Private Car | IRDAN103RP0010V02100001/A0012V02200910 | 30 Sep 2019 | Wording |
| NCB Retention Cover for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0050V01201819 | 26 Sep 2018 | Wording |
| Nil Depreciation for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0048V01201819 | 26 Sep 2018 | Wording |
| Nil Depreciation for Two Wheelers-LTTW | IRDAN103RP0001V01201718/A0007V01202122 | 16 Jun 2021 | Wording |
| No Claim Discount One Step Down Cover for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0046V01201819 | 26 Sep 2018 | Wording |
| Obsolete equipment Clause Add-on cover under IAR | IRDAN103A0014V01201718 | 26 Mar 2018 | Wording |
| Obsolete equipment Clause Add-on cover under SFSP | IRDAN103A0040V01201718 | 26 Mar 2018 | Wording |
| Obsolete parts Clause Add-on cover under IAR | IRDAN103A0015V01201718 | 26 Mar 2018 | Wording |
| Obsolete parts Clause Add-on cover under SFSP | IRDAN103A0041V01201718 | 26 Mar 2018 | Wording |
| Personal Effects Clause / Property of employees and visitors Add-on cover under IAR | IRDAN103A0016V01201718 | 26 Mar 2018 | Wording |
| Personal Effects Clause / Property of employees and visitors Add-on cover under SFSP | IRDAN103A0042V01201718 | 26 Mar 2018 | Wording |
| PLANS, DOCUMENTS & COMPUTER SYSTEMS RECORDS Add-on cover under IAR | IRDAN103A0017V01201718 | 26 Mar 2018 | Wording |
| PLANS, DOCUMENTS & COMPUTER SYSTEMS RECORDS Add-on cover under SFSP | IRDAN103A0043V01201718 | 26 Mar 2018 | Wording |
| PROFESSIONAL FEES Add-on cover under IAR | IRDAN103A0018V01201718 | 26 Mar 2018 | Wording |
| PROFESSIONAL FEES Add-on cover under SFSP | IRDAN103A0044V01201718 | 26 Mar 2018 | Wording |
| PROPERTY IN COURSE OF CONSTRUCTION / MINOR WORKS Add-on cover under IAR | IRDAN103A0019V01201718 | 26 Mar 2018 | Wording |
| PROPERTY IN COURSE OF CONSTRUCTION / MINOR WORKS Add-on cover under SFSP | IRDAN103A0045V01201718 | 26 Mar 2018 | Wording |
| Protection and Preservation of Property Add-on cover under IAR | IRDAN103A0020V01201718 | 26 Mar 2018 | Wording |
| Protection and Preservation of Property Add-on cover under SFSP | IRDAN103A0046V01201718 | 26 Mar 2018 | Wording |
| Purchase Protection Cover | IRDAN103RP0017V01202021/A0023V01202223 | 26 Sep 2022 | Wording |
| REMOVAL OF DEBRIS (including external debris) Add-on cover under IAR | IRDAN103A0021V01201718 | 26 Mar 2018 | Wording |
| REMOVAL OF DEBRIS (including external debris) Add-on cover under SFSP | IRDAN103A0047V01201718 | 26 Mar 2018 | Wording |
| Replacement Lock Insurance for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0043V01201819 | 26 Sep 2018 | Wording |
| Return to Invoice - Private Car | IRDAN103RP0010V02100001/A0065V01201819 | 28 Aug 2019 | Wording |
| Return to Invoice for Two Wheeler | IRDAN103RP0011V02100001/A0001V01202223 | 27 May 2022 | Wording |
| Return to Invoice for Two Wheeler-LTTW | IRDAN103RP0001V01201718/A0002V01202223 | 27 May 2022 | Wording |
| Rim Protector - Private Car | IRDAN103RP0010V02100001/A0028V01201920 | 28 Aug 2019 | Wording |
| Seventy two hours Clause | IRDAN103RP0017V01202021/A0016V01202122 | 23 Aug 2021 | Wording |
| Seventy two hours Clause | IRDAN103RP0018V01202021/A0021V01202122 | 2 Sep 2021 | Wording |
| Seventy two hours Clause | IRDAN103RP0019V01202021/A0018V01202122 | 2 Sep 2021 | Wording |
| SHUTDOWN / STARTUP COSTS Add-on cover under IAR | IRDAN103A0022V01201718 | 26 Mar 2018 | Wording |
| SHUTDOWN / STARTUP COSTS Add-on cover under SFSP | IRDAN103A0048V01201718 | 26 Mar 2018 | Wording |
| SPONTANEOUS COMBUSTION for Coal Add-on cover under IAR | IRDAN103A0023V01201718 | 26 Mar 2018 | Wording |
| SPONTANEOUS COMBUSTION for Coal Add-on cover under SFSP | IRDAN103A0049V01201718 | 26 Mar 2018 | Wording |
| TEMPORARY REMOVAL (Excluding Stocks) Add-on cover under IAR | IRDAN103A0024V01201718 | 26 Mar 2018 | Wording |
| TEMPORARY REMOVAL (Excluding Stocks) Add-on cover under SFSP | IRDAN103A0050V01201718 | 26 Mar 2018 | Wording |
| Total Cover for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0049V01201819 | 26 Sep 2018 | Wording |
| Tyre Protector - Private Car | IRDAN103RP0010V02100001/A0027V01201920 | 28 Aug 2019 | Wording |
| Un-Specified locations | IRDAN103RP0018V01202021/A0017V01202223 | 30 Aug 2022 | Wording |
| Un-Specified locations | IRDAN103RP0019V01202021/A0009V01202223 | 30 Aug 2022 | Wording |
| Un-specified locations Add-on cover under IAR | IRDAN103A0025V01201718 | 26 Mar 2018 | Wording |
| Un-specified locations Add-on cover under SFSP | IRDAN103A0051V01201718 | 26 Mar 2018 | Wording |
| VEHICLE LOAD CLAUSE Add-on cover under IAR | IRDAN103A0026V01201718 | 26 Mar 2018 | Wording |
| VEHICLE LOAD CLAUSE Add-on cover under SFSP | IRDAN103A0052V01201718 | 26 Mar 2018 | Wording |
| Voluntary Deductible for Two Wheeler- 5 Years | IRDAN103RP0006V01201819/A0041V01201819 | 26 Sep 2018 | Wording |
| WAIVER OF UNDER- INSURANCE Add-on cover under SFSP | IRDAN103A0053V01201718 | 26 Mar 2018 | Wording |
Names in the register
IRDAI registration number 103. Filed as: Reliance General Insurance Co. Ltd.; Reliance General Insurance Company Limited. Its claim settlement, solvency and market share figures: IndusInd General profile.
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find IndusInd General policy wordings?
Above: every IndusInd General product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many IndusInd General general insurance products are in IRDAI's register?
21 products and 182 add-ons, approved 2017 to 2022.
Which lines of cover does IndusInd General file most?
By number of products in the register: motor 13, shop, office, home and business packages 4, fire and property 2, crop and rural 2.
Why are IndusInd General products filed under another name?
The register keeps each product under the name the insurer used when it filed. IndusInd General Insurance: formerly Reliance General Insurance.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.
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