IRDAI product register · general insurance

Magma General Insurance Policy Wordings

IRDAI's non-life product register lists 17 Magma General products and 205 add-ons, approved 2018 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

Magma General Insurance, formerly Magma HDI 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.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Liability · Motor · Crop and rural

Fire and property (2)

Product	UIN	Approved	Policy wording
Householders Package Policy	IRDAN149RP0010V02201314	17 Jun 2021	Wording
Shopkeepers Package Policy	IRDAN149RP0008V02201314	17 Jun 2021	Wording

Shop, office, home and business packages (2)

Product	UIN	Approved	Policy wording
Commercial Comprehensive Package Policy	IRDAN149RP0006V02201213	4 May 2018	Wording
Office Package Insurance policy	IRDAN149RP0001V02201415	17 Jun 2021	Wording

Liability (2)

Product	UIN	Approved	Policy wording
Comprehensive General Liability Insurance Policy	IRDAN149P0164V01201718	26 Mar 2018	Wording
Directors and Officers Insurance Policy	IRDAN149P0165V01201718	26 Mar 2018	Wording

Motor (10)

Product	UIN	Approved	Policy wording
Act only Policy Private Car - 3 year	IRDAN149RP0004V01201819	30 Aug 2018	Wording
Act only Policy Two Wheeler- 5 Year	IRDAN149RP0007V01201819	30 Aug 2018	Wording
Compulsory Personal Accident (Owner-Driver) - Motor	IRDAN149RP0034V01201819	28 Dec 2018	Wording
Long Term Two Wheeler Package Policy	IRDAN149RP0001V01201819	26 Apr 2018	Wording
Private Car Package Policy 1 add-on Cover for consequential damage to engine Add-on cover under private car package policy IRDAN149RP0001V02201213/A0026V02201314 · 2 Jun 2022 Wording	IRDAN149RP0001V02201213	4 May 2018	Wording
Private Car Package Policy - 3 year 9 add-ons Additional Road Side Assistance-3 year IRDAN149RP0002V01201819/A0009V01201819 · 10 Sep 2018 Wording Basic Road Side Assistance-3 year IRDAN149RP0002V01201819/A0013V01201819 · 10 Sep 2018 Wording Consequential Damage to Engine-3 year IRDAN149RP0002V01201819/A0014V01201819 · 10 Sep 2018 Wording Cover of Key Replacement- 3 year IRDAN149RP0002V01201819/A0015V01201819 · 10 Sep 2018 Wording Depreciation reimbursement-3 year IRDAN149RP0002V01201819/A0010V01201819 · 10 Sep 2018 Wording Inconvenience Allowance-3 year IRDAN149RP0002V01201819/A0008V01201819 · 10 Sep 2018 Wording Loss of Personal Belongings-3 year IRDAN149RP0002V01201819/A0016V01201819 · 10 Sep 2018 Wording NCB protection-3 year IRDAN149RP0002V01201819/A0012V01201819 · 10 Sep 2018 Wording Return to Invoice-3 year IRDAN149RP0002V01201819/A0011V01201819 · 10 Sep 2018 Wording	IRDAN149RP0002V01201819	30 Aug 2018	Wording
Private Car Policy -Bundled - 3 year Act Only and 1 year Own Damage 10 add-ons Additional Road Side Assistance- Bundled IRDAN149RP0003V01201819/A0018V01201819 · 10 Sep 2018 Wording Basic Road Side Assistance- Bundled IRDAN149RP0003V01201819/A0022V01201819 · 10 Sep 2018 Wording Consequential Damage to Engine- Bundled IRDAN149RP0003V01201819/A0023V02201819 · 2 Jun 2022 Wording Consequential Damage to Engine- Bundled IRDAN149RP0003V01201819/A0023V01201819 · 10 Sep 2018 Wording Cover of Key Replacement- Bundled IRDAN149RP0003V01201819/A0024V01201819 · 10 Sep 2018 Wording Depriciation reimbursement- Bundled policy IRDAN149RP0003V01201819/A0019V01201819 · 10 Sep 2018 Wording Inconvenience Allowance-Bundled IRDAN149RP0003V01201819/A0017V01201819 · 10 Sep 2018 Wording Loss of Personal Belongings- Bundled IRDAN149RP0003V01201819/A0025V01201819 · 10 Sep 2018 Wording NCB protection- Bundled IRDAN149RP0003V01201819/A0021V01201819 · 10 Sep 2018 Wording Return to Invoice- Bundled IRDAN149RP0003V01201819/A0020V01201819 · 10 Sep 2018 Wording	IRDAN149RP0003V01201819	30 Aug 2018	Wording
Two Wheeler Package Policy	IRDAN149RP0002V02201213	4 May 2018	Wording
Two Wheeler Package Policy- 5 year 4 add-ons Basic Road Side Assistance-5 year IRDAN149RP0005V01201819/A0029V01201819 · 10 Sep 2018 Wording Depriciation Reimbursement-5 year IRDAN149RP0005V01201819/A0026V01201819 · 10 Sep 2018 Wording NCB Protection- 5 year IRDAN149RP0005V01201819/A0028V01201819 · 10 Sep 2018 Wording Return to Invoice-5 year IRDAN149RP0005V01201819/A0027V01201819 · 10 Sep 2018 Wording	IRDAN149RP0005V01201819	30 Aug 2018	Wording
Two Wheeler Policy- Bundled- 5 year Act only and 1 year Own Damage 4 add-ons Basic Road Side Assistance- Bundled IRDAN149RP0006V01201819/A0033V01201819 · 10 Sep 2018 Wording Depriciation Reimbursement- Bundled IRDAN149RP0006V01201819/A0030V01201819 · 10 Sep 2018 Wording NCB Protection- Bundled IRDAN149RP0006V01201819/A0032V01201819 · 10 Sep 2018 Wording Return to Invoice- Bundled IRDAN149RP0006V01201819/A0031V01201819 · 10 Sep 2018 Wording	IRDAN149RP0006V01201819	30 Aug 2018	Wording

Crop and rural (1)

Product	UIN	Approved	Policy wording
Farmers Package Policy	IRDAN149RP0011V02201314	11 Aug 2021	Wording

Add-ons filed on their own (177)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Accounts Receivable Add-on cover under IAR Policy	IRDAN149A0085V01201718	15 Mar 2018	Wording
Accounts Receivable-Add-on cover under SFSP	IRDAN149A0001V01201718	15 Mar 2018	Wording
Additional Custom Duty Clause Add-on cover under IAR Policy	IRDAN149A0086V01201718	15 Mar 2018	Wording
Additional Custom Duty Clause-Add-on cover under SFSP	IRDAN149A0002V01201718	15 Mar 2018	Wording
Additional expenses of rent for an alternative accommodation	IRDAN149RP0025V01202021/A0008V01202122	3 Sep 2021	Wording
Additional Expenses of Rent for an Alternative Accommodation	IRDAN149RP0026V01202021/A0012V01202122	3 Sep 2021	Wording
Additional Increased Cost of Working Add-on cover under FLOP Policy	IRDAN149A0073V01201718	15 Mar 2018	Wording
Additional Increased Cost of Working Add-on cover under IAR Policy	IRDAN149A0150V01201718	15 Mar 2018	Wording
Archives Add-on cover under IAR Policy	IRDAN149A0087V01201718	15 Mar 2018	Wording
Archives Add-on cover under SFSP	IRDAN149A0003V01201718	15 Mar 2018	Wording
Automatic Reinstatement Clause Add-on cover under FLOP Policy	IRDAN149A0084V01201718	15 Mar 2018	Wording
Automatic Reinstatement Clause Add-on cover under IAR Policy	IRDAN149A0162V01201718	15 Mar 2018	Wording
Automatic Reinstatement Clause Add-on cover under SFSP	IRDAN149A0070V01201718	15 Mar 2018	Wording
Building Ordinance, Demolition and Increased Cost of Construction Add-on cover under IAR Policy	IRDAN149A0090V01201718	15 Mar 2018	Wording
Building Ordinance, Demolition and Increased Cost of Construction Add-on cover under SFSP	IRDAN149A0006V01201718	15 Mar 2018	Wording
Catalyst and Consumable (including lining and refractory) interest in process Add-on cover under IAR	IRDAN149A0093V01201718	15 Mar 2018	Wording
Catalyst and Consumable (including lining and refractory) interest in process Add-on cover under SFS	IRDAN149A0009V01201718	15 Mar 2018	Wording
Civil Authorities Clause Add-on cover under IAR Policy	IRDAN149A0094V01201718	15 Mar 2018	Wording
Civil Authorities Clause Add-on cover under SFSP	IRDAN149A0010V01201718	15 Mar 2018	Wording
Cleaning up and other costs Add-on cover under IAR Policy	IRDAN149A0095V01201718	15 Mar 2018	Wording
Cleaning up and other costs Add-on cover under SFSP	IRDAN149A0011V01201718	15 Mar 2018	Wording
Contamination and Co-mingling of stocks Add-on cover under SFSP	IRDAN149A0013V01201718	15 Mar 2018	Wording
Cost of Clearing Drains Clause Add-on cover under IAR Policy	IRDAN149A0101V01201718	15 Mar 2018	Wording
Cost of Clearing Drains Clause Add-on cover under SFSP	IRDAN149A0018V01201718	15 Mar 2018	Wording
Cost of Demolition and Debris Removal	IRDAN149A0008V01201718	15 Mar 2018	Wording
Cost of Demolition and Debris Removal Add-on cover under IAR Policy	IRDAN149A0092V01201718	15 Mar 2018	Wording
Cost of Re-writing Records Clause Add-on cover under IAR Policy	IRDAN149A0100V01201718	15 Mar 2018	Wording
Cost of Re-writing Records Clause Add-on cover under SFSP	IRDAN149A0017V01201718	15 Mar 2018	Wording
Cover for consequential damage to engine Add-on cover under Stand-Alone Own Damage Policy for Privat	IRDAN149RP0001V01201920/A0007V02201920	2 Jun 2022	Wording
Customer's Goods Clause Add-on cover under IAR Policy	IRDAN149A0097V01201718	15 Mar 2018	Wording
Customer's Goods Clause Add-on cover under SFSP	IRDAN149A0014V01201718	15 Mar 2018	Wording
Customers, Suppliers and Fabricators Extension Add-on cover under FLOP Policy	IRDAN149A0074V01201718	15 Mar 2018	Wording
Customers, Suppliers and Fabricators Extension Add-on cover under IAR Policy	IRDAN149A0151V01201718	15 Mar 2018	Wording
Decontamination Expenses and Cost of Clean Up Add-on cover under IAR Policy	IRDAN149A0102V01201718	15 Mar 2018	Wording
Decontamination Expenses and Cost of Clean Up Add-on cover under SFSP	IRDAN149A0019V01201718	15 Mar 2018	Wording
Deferred payments Add-on cover under IAR Policy	IRDAN149A0104V01201718	15 Mar 2018	Wording
Deferred payments Add-on cover under SFSP	IRDAN149A0021V01201718	15 Mar 2018	Wording
Deliberate Damage Add-on cover under IAR Policy	IRDAN149A0145V01201718	15 Mar 2018	Wording
Deliberate Damage Add-on cover under SFSP	IRDAN149A0064V01201718	15 Mar 2018	Wording
Destruction of Sound Property Clause Add-on cover under IAR Policy	IRDAN149A0105V01201718	15 Mar 2018	Wording
Destruction of Sound Property Clause Add-on cover under SFSP	IRDAN149A0022V01201718	15 Mar 2018	Wording
Errors and Omissions Add-on cover under IAR Policy	IRDAN149A0106V01201718	15 Mar 2018	Wording
Errors and Omissions Add-on cover under SFSP	IRDAN149A0023V01201718	15 Mar 2018	Wording
Exhibition, Exposition, Fair or Trade Show Add-on cover under IAR Policy	IRDAN149A0107V01201718	15 Mar 2018	Wording
Exhibition, Exposition, Fair or Trade Show Add-on cover under SFSP	IRDAN149A0024V01201718	15 Mar 2018	Wording
Expediting Expenses Add-on cover under IAR Policy	IRDAN149A0108V01201718	15 Mar 2018	Wording
Expediting Expenses Add-on cover under SFSP	IRDAN149A0025V01201718	15 Mar 2018	Wording
Export tax benefits Add-on cover under FLOP Policy	IRDAN149A0082V01201718	15 Mar 2018	Wording
Export tax benefits Add-on cover under IAR Policy	IRDAN149A0159V01201718	15 Mar 2018	Wording
Fine Art /Works of Art Add-on cover under IAR Policy	IRDAN149A0109V01201718	15 Mar 2018	Wording
Fine Art /Works of Art Add-on cover under SFSP	IRDAN149A0026V01201718	15 Mar 2018	Wording
Fines, Penalties & Damages Add-on cover under FLOP Policy	IRDAN149A0083V01201718	15 Mar 2018	Wording
Fines, Penalties & Damages Add-on cover under IAR Policy	IRDAN149A0160V01201718	15 Mar 2018	Wording
Fire Fighting Expenses Add-on cover under IAR Policy	IRDAN149A0110V01201718	15 Mar 2018	Wording
Fire Fighting Expenses Add-on cover under SFSP	IRDAN149A0027V01201718	15 Mar 2018	Wording
Green Clause Add-on cover under IAR Policy	IRDAN149A0112V01201718	15 Mar 2018	Wording
Green Clause Add-on cover under SFSP	IRDAN149A0029V01201718	15 Mar 2018	Wording
Group Interdependency Add-on cover under FLOP Policy	IRDAN149A0078V01201718	15 Mar 2018	Wording
Group Interdependency Add-on cover under IAR Policy	IRDAN149A0155V01201718	15 Mar 2018	Wording
Impact damage due insured’s own vehicles and the like and articles dropped therefrom	IRDAN149RP0025V01202021/A0006V01202122	3 Sep 2021	Wording
Impact damage due to insured's own vehicles and the like and the articles dropped therefrom	IRDAN149RP0026V01202021/A0010V01202122	3 Sep 2021	Wording
Inadvertent Omissions Add-on cover under IAR Policy	IRDAN149A0116V01201718	15 Mar 2018	Wording
Inadvertent Omissions Add-on cover under SFSP	IRDAN149A0033V01201718	15 Mar 2018	Wording
Increased costs of Construction and Demolition Clause Add-on cover under IAR Policy	IRDAN149A0091V01201718	15 Mar 2018	Wording
Increased costs of Construction and Demolition Clause Add-on cover under SFSP	IRDAN149A0007V01201718	15 Mar 2018	Wording
Inland Transit Add-on cover under IAR Policy	IRDAN149A0117V01201718	15 Mar 2018	Wording
Inland Transit Add-on cover under SFSP	IRDAN149A0034V01201718	15 Mar 2018	Wording
Interdependency Cover Add-on cover under FLOP Policy	IRDAN149A0079V01201718	15 Mar 2018	Wording
Interdependency Cover Add-on cover under IAR Policy	IRDAN149A0156V01201718	15 Mar 2018	Wording
Internal Decorations Fixtures and Fittings Add-on cover under IAR Policy	IRDAN149A0118V01201718	15 Mar 2018	Wording
Internal Decorations Fixtures and Fittings Add-on cover under SFSP	IRDAN149A0035V01201718	15 Mar 2018	Wording
Land And Water Contaminant Cleanup, Removal and Disposal Add-on cover under IAR Policy	IRDAN149A0103V01201718	15 Mar 2018	Wording
Land And Water Contaminant Cleanup, Removal and Disposal Add-on cover under SFSP	IRDAN149A0020V01201718	15 Mar 2018	Wording
Land Improvements Add-on cover under IAR Policy	IRDAN149A0120V01201718	15 Mar 2018	Wording
Land Improvements Add-on cover under SFSP	IRDAN149A0037V01201718	15 Mar 2018	Wording
Landscaping Cover Add-on cover under IAR Policy	IRDAN149A0113V01201718	15 Mar 2018	Wording
Landscaping Cover Add-on cover under SFSP	IRDAN149A0030V01201718	15 Mar 2018	Wording
Lawns, Plants, Shrubs or Trees Add-on cover under IAR Policy	IRDAN149A0114V01201718	15 Mar 2018	Wording
Lawns, Plants, Shrubs or Trees Add-on cover under SFSP	IRDAN149A0031V01201718	15 Mar 2018	Wording
Leak Search and Finding Cost Add-on cover under IAR Policy	IRDAN149A0121V01201718	15 Mar 2018	Wording
Leak Search and Finding Cost Add-on cover under SFSP	IRDAN149A0038V01201718	15 Mar 2018	Wording
Leakage & Overflowing Clause Add-on cover under SFSP	IRDAN149A0039V01201718	15 Mar 2018	Wording
Leakage of Firefighting Equipments Add-on cover under IAR Policy	IRDAN149A0122V01201718	15 Mar 2018	Wording
Leakage of Firefighting Equipments Add-on cover under SFSP	IRDAN149A0040V01201718	15 Mar 2018	Wording
Limited Escalation	IRDAN149RP0026V01202021/A0009V01202122	3 Sep 2021	Wording
Limited Escalation	IRDAN149RP0025V01202021/A0005V01202122	3 Sep 2021	Wording
Loss of rent	IRDAN149RP0025V01202021/A0007V01202122	3 Sep 2021	Wording
Loss Of Rent	IRDAN149RP0026V01202021/A0011V01202122	3 Sep 2021	Wording
Margin Clause Add-on cover under IAR Policy	IRDAN149A0123V01201718	15 Mar 2018	Wording
Margin Clause Add-on cover under SFSP	IRDAN149A0041V01201718	15 Mar 2018	Wording
Master Key Coverage Add-on cover under IAR Policy	IRDAN149A0119V01201718	15 Mar 2018	Wording
Master Key Coverage Add-on cover under SFSP	IRDAN149A0036V01201718	15 Mar 2018	Wording
Metered Water Add-on cover under IAR Policy	IRDAN149A0124V01201718	15 Mar 2018	Wording
Metered Water Add-on cover under SFSP	IRDAN149A0042V01201718	15 Mar 2018	Wording
Minimum Demand Charges Add-on cover under FLOP Policy	IRDAN149A0081V01201718	15 Mar 2018	Wording
Minimum Demand Charges Add-on cover under IAR Policy	IRDAN149A0158V01201718	15 Mar 2018	Wording
Minor Works Add-on cover under IAR Policy	IRDAN149A0098V01201718	15 Mar 2018	Wording
Minor Works Add-on cover under SFSP	IRDAN149A0015V01201718	15 Mar 2018	Wording
Modification cost/Incompatibility expenses Add-on cover under IAR Policy	IRDAN149A0126V01201718	15 Mar 2018	Wording
Modification cost/Incompatibility expenses Add-on cover under SFSP	IRDAN149A0044V01201718	15 Mar 2018	Wording
Molten Metal Spillage Cover Add-on cover under IAR Policy	IRDAN149A0148V01201718	15 Mar 2018	Wording
Molten Metal Spillage Cover Add-on cover under SFSP	IRDAN149A0067V01201718	15 Mar 2018	Wording
Neighbor's Recourse and Tenant's Liability Add-on cover under IAR Policy	IRDAN149A0127V01201718	15 Mar 2018	Wording
Neighbor's Recourse and Tenant's Liability Add-on cover under SFSP	IRDAN149A0045V01201718	15 Mar 2018	Wording
Obsolete Spare Parts Clause Add-on cover under IAR Policy	IRDAN149A0130V01201718	15 Mar 2018	Wording
Obsolete Spare Parts Clause Add-on cover under SFSP	IRDAN149A0048V01201718	15 Mar 2018	Wording
Personal Documents Recreation Cost Cover	IRDAN149RP0024V01202021/A0003V01202122	11 Aug 2021	Wording
Plan & Specification Clause Add-on cover under IAR Policy	IRDAN149A0088V01201718	15 Mar 2018	Wording
Plan & Specification Clause Add-on cover under SFSP	IRDAN149A0004V01201718	15 Mar 2018	Wording
Plans, Documents and Computer Systems Records Add-on cover under IAR Policy	IRDAN149A0096V01201718	15 Mar 2018	Wording
Plans, Documents and Computer Systems Records Add-on cover under SFSP	IRDAN149A0012V01201718	15 Mar 2018	Wording
Precautionary Measures Add-on cover under IAR Policy	IRDAN149A0132V01201718	15 Mar 2018	Wording
Precautionary Measures Add-on cover under SFSP	IRDAN149A0051V01201718	15 Mar 2018	Wording
Preservation of Property Add-on cover under IAR Policy	IRDAN149A0133V01201718	15 Mar 2018	Wording
Preservation of Property Add-on cover under SFSP	IRDAN149A0052V01201718	15 Mar 2018	Wording
Prevention of Access Add-on cover under FLOP Policy	IRDAN149A0075V01201718	15 Mar 2018	Wording
Prevention of Access Add-on cover under IAR Policy	IRDAN149A0152V01201718	15 Mar 2018	Wording
Professional Accountants Add-on cover under FLOP Policy	IRDAN149A0076V01201718	15 Mar 2018	Wording
Professional Accountants Add-on cover under IAR Policy	IRDAN149A0153V01201718	15 Mar 2018	Wording
Professional Fees Add-on cover under IAR Policy	IRDAN149A0134V01201718	15 Mar 2018	Wording
Professional Fees Add-on cover under SFSP	IRDAN149A0053V01201718	15 Mar 2018	Wording
Properties under Consignment, Care, Custody and Control / Hire Purchase or Lease Agreement (SFSP)	IRDAN149A0032V01201718	15 Mar 2018	Wording
Properties under Consignment, Care, Custody and Control / Hire Purchase or Lease Agreement Add-on co	IRDAN149A0115V01201718	15 Mar 2018	Wording
Property in Cource of Construction / Erection Add-on cover under IAR Policy	IRDAN149A0099V01201718	15 Mar 2018	Wording
Property in Cource of Construction / Erection Add-on cover under SFSP	IRDAN149A0016V01201718	15 Mar 2018	Wording
Property not on The Insured Premises / Offsite Premises Add-on cover under IAR Policy	IRDAN149A0131V01201718	15 Mar 2018	Wording
Property not on The Insured Premises / Offsite Premises Add-on cover under SFSP	IRDAN149A0049V01201718	15 Mar 2018	Wording
Property of Employees and Visitors/Personal Effects Add-on cover under IAR Policy	IRDAN149A0125V01201718	15 Mar 2018	Wording
Property of Employees and Visitors/Personal Effects Add-on cover under SFSP	IRDAN149A0043V01201718	15 Mar 2018	Wording
Property under Care Custody and Control/Non Owned Assets Add-on cover under IAR Policy	IRDAN149A0129V01201718	15 Mar 2018	Wording
Property under Care Custody and Control/Non Owned Assets Add-on cover under SFSP	IRDAN149A0047V01201718	15 Mar 2018	Wording
Protection and Preservation of Property /Imminent Damage Protection Clause Add-on cover under IAR Policy	IRDAN149A0135V01201718	15 Mar 2018	Wording
Protection and Preservation of Property /Imminent Damage Protection Clause Add-on cover under SFSP	IRDAN149A0054V01201718	15 Mar 2018	Wording
Public Authority Clause Add-on cover under IAR Policy	IRDAN149A0136V01201718	15 Mar 2018	Wording
Public Authority Clause Add-on cover under SFSP	IRDAN149A0055V01201718	15 Mar 2018	Wording
Removal of Debris	IRDAN149RP0026V01202021/A0013V01202122	3 Sep 2021	Wording
Removal of Debris (in excess of 2% of the claim amount)	IRDAN149RP0025V01202021/A0004V01202122	3 Sep 2021	Wording
Removal of Debris Add-on cover under IAR Policy	IRDAN149A0146V01201718	15 Mar 2018	Wording
Removal of Debris Add-on cover under SFSP	IRDAN149A0065V01201718	15 Mar 2018	Wording
Shutdown / Sartup Costs Add-on cover under IAR Policy	IRDAN149A0137V01201718	15 Mar 2018	Wording
Shutdown / Sartup Costs Add-on cover under SFSP	IRDAN149A0056V01201718	15 Mar 2018	Wording
Smoke Damage Add-on cover under IAR Policy	IRDAN149A0161V01201718	15 Mar 2018	Wording
Smoke Damage Add-on cover under SFSP	IRDAN149A0069V01201718	15 Mar 2018	Wording
Soft Costs Add-on cover under FLOP Policy	IRDAN149A0080V01201718	15 Mar 2018	Wording
Soft Costs Add-on cover under IAR Policy	IRDAN149A0157V01201718	15 Mar 2018	Wording
Spontaneous Combustion Add-on cover under IAR Policy	IRDAN149A0149V01201718	15 Mar 2018	Wording
Spontaneous Combustion Add-on cover under SFSP	IRDAN149A0068V01201718	15 Mar 2018	Wording
Sprinkler upgrading Costs Add-on cover under IAR Policy	IRDAN149A0138V01201718	15 Mar 2018	Wording
Sprinkler upgrading Costs Add-on cover under SFSP	IRDAN149A0057V01201718	15 Mar 2018	Wording
Temporary Protection Clause Add-on cover under IAR Policy	IRDAN149A0139V01201718	15 Mar 2018	Wording
Temporary Protection Clause Add-on cover under SFSP	IRDAN149A0058V01201718	15 Mar 2018	Wording
Temporary Removal of Property Add-on cover under IAR Policy	IRDAN149A0140V01201718	15 Mar 2018	Wording
Temporary Removal of Property Add-on cover under SFSP	IRDAN149A0059V01201718	15 Mar 2018	Wording
Temporary Repair Costs Add-on cover under IAR Policy	IRDAN149A0141V01201718	15 Mar 2018	Wording
Temporary Repair Costs Add-on cover under SFSP	IRDAN149A0060V01201718	15 Mar 2018	Wording
Temporary Resettlement Cost	IRDAN149RP0024V01202021/A0001V01202122	11 Aug 2021	Wording
Tenant’s Liability Add-on cover under IAR Policy	IRDAN149A0128V01201718	15 Mar 2018	Wording
Tenant’s Liability Add-on cover under SFSP	IRDAN149A0046V01201718	15 Mar 2018	Wording
Theft/Burglary Inclusion Clause Add-on cover under IAR Policy	IRDAN149A0163V01201718	15 Mar 2018	Wording
Theft/Burglary Inclusion Clause Add-on cover under SFSP	IRDAN149A0071V01201718	15 Mar 2018	Wording
Trace & Access Add-on cover under IAR Policy	IRDAN149A0142V01201718	15 Mar 2018	Wording
Trace & Access Add-on cover under SFSP	IRDAN149A0061V01201718	15 Mar 2018	Wording
Undamaged Foundations Add-on cover under IAR Policy	IRDAN149A0111V01201718	15 Mar 2018	Wording
Undamaged Foundations Add-on cover under SFSP	IRDAN149A0028V01201718	15 Mar 2018	Wording
Unrepaired Damage Add-on cover under IAR Policy	IRDAN149A0143V01201718	15 Mar 2018	Wording
Unrepaired Damage Add-on cover under SFSP	IRDAN149A0062V01201718	15 Mar 2018	Wording
Utility Extension Add-on cover under FLOP Policy	IRDAN149A0077V01201718	15 Mar 2018	Wording
Utility Extension Add-on cover under IAR Policy	IRDAN149A0154V01201718	15 Mar 2018	Wording
Valuable Papers and Records Add-on cover under IAR Policy	IRDAN149A0144V01201718	15 Mar 2018	Wording
Valuable Papers and Records Add-on cover under SFSP	IRDAN149A0063V01201718	15 Mar 2018	Wording
Vehicle Load Clause Add-on cover under IAR Policy	IRDAN149A0147V01201718	15 Mar 2018	Wording
Vehicle Load Clause Add-on cover under SFSP	IRDAN149A0066V01201718	15 Mar 2018	Wording
Waiver of Underinsurance Add-on cover under FLOP Policy	IRDAN149A0072V01201718	15 Mar 2018	Wording
Waiver of Underinsurance Add-on cover under SFSP	IRDAN149A0050V01201718	15 Mar 2018	Wording
Water Damage Clause Add-on cover under IAR Policy	IRDAN149A0089V01201718	15 Mar 2018	Wording
Water Damage Clause Add-on cover under SFSP	IRDAN149A0005V01201718	15 Mar 2018	Wording
Water Damage Cover	IRDAN149RP0024V01202021/A0002V01202122	11 Aug 2021	Wording

Names in the register

IRDAI registration number 149. Filed as: Magma HDI General Insurance Company Limited; Magma HDI General Insurance Company; Magma HDI General Insurance Company Limited I.

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 Magma General policy wordings?

Above: every Magma 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 Magma General general insurance products are in IRDAI's register?

17 products and 205 add-ons, approved 2018 to 2022.

Which lines of cover does Magma General file most?

By number of products in the register: motor 10, fire and property 2, shop, office, home and business packages 2, liability 2.

Why are Magma General products filed under another name?

The register keeps each product under the name the insurer used when it filed. Magma General Insurance: formerly Magma HDI General Insurance.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

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