RELIANCE SEASTAR MARINE INSURANCE POLICY ISSUANCE …

Reliance General Insurance Company Limited 6th Floor, Oberoi Commerz, International Business Park,Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063.

Servicing Office Code & Addr : 6th Floor, Oberoi Commerz, International Business Park,Oberoi Garden City, Off Western Express Highway,Goregaon (East), Mumbai – 400 063, MUMBAI, MAHARASHTRA, INDIA,PinCode-400055

For and on behalf of Reliance General Insurance Company Limited

Master Policy No 92022924SVM00073 Start Date 06 May 2019

Issue Date 08 Oct 2021 End Date N.A.

Co-Insurance Details N.A.

WHEREAS THE ASSURED named in the schedule hereto have represented to the RELIANCE GENERAL INSURANCE COMPANY LIMITED hereinafter called the “ Company “ that they are interested in or duly authorized to make the Insurance mentioned and have paid or agreed to pay the premium hereinafter stated. The COMPANY HEREBY PROMISES AND AGREES with the Assured, their Executors, Administrators and Assigns that the Company will insured against loss, damage, Liability or expense Subject to Clauses, Endorsements, Conditions and Warranties contained in the Schedule.

Name Of Proposer’s Direct

Correspondence Address Unknown Unknown Unknown, Unknown, Unknown, , PinCode-000000

Country Authorised Per Bottom Limit (Rs.) Location Limit (Rs.) Basis of Valuation

<<As per Annexure A attached>>” <<As per Annexure B attached>>” 20000000 Cost, Cost & Freight, CF + Duty, Cost & Insurance, Cost ,Insurance & Freight, CIF + Duty, CIP, Depreciated Market Value, Free alongside Steamer, Free On Board, FOB + Duty, Invoice, Invoice + Duty

Mode of Transit Packing Interest Rates

Air, Coastal, Courier, Courier-Air, Courier-Rail, Courier-Road, Courier-Water, Inland Water, Ocean Transit, Postal-Air, Postal-Rail, Postal-Road, Postal-Water, Rail, Road, Sea

<<As per Annexure A attached>>” <<As per Annexure B attached>>” <<As per Annexure B attached>>”

Vessel/ Air: Mechanically self propelled Vessels of steel construction as per Institute Classification clauses dated 1-8-97 as attached.

Location Clause: Notwithstanding anything to the contrary contained in this contract the Company’s liability in respect of any one accident or series of accidents arising from the same event in any one location shall not exceed the sum of Rs. 20000000/-

Valuation Clause : Shipments insured under this policy shall be valued at the amount of invoice, including all charges therein plus any prepaid and/or advanced and/or guaranteed freight not included in the invoice, plus percentage as agreed.

Premium: Payable against each Specific Policy as stated thereon. Premium shall be paid to the company in accordance with the Insurance Act/RulesRates: Rates given in the schedule above are subject to addition/alteration on 30 days notice.

Cancellation: The Policy may be cancelled by the Company or by the Assured by serving a notice in writing as under:a) Marine & Transit Risks 30 days’ notice:b) War and/or SRCC Risks 7 days’ notice: (Except shipments to & from USA)c) War &SRCC Risks 48 hours’ notice: (Shipments to & from USA)d) SRCC Risks 48 hours’ notice:(Interior transits in India, Nepal, Bhutan, Afghanistan, Pakistan and Bangladesh not in conjunction with an overseas voyage)

Subject to the under noted Terms, Clauses, Endorsements Special Conditions and Warranties attached which form part of the policy :

In witness whereof this policy has been signed at Mumbai on 13/04/2022

Intermediary Code/Name : Direct

In case of a renewal, the benefits provided under the policy and/or terms and conditions of the policy including premium rate may be subject to change

Grievance Clause: For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call at 1800 3009 or may write an email at [email protected]. In case the insured is not satisfied with the response of the office, insured may contact the Nodal Grievance Officer of the Company at [email protected]. In the event of unsatisfactory response from the Nodal Grievance Officer, insured may email to Head Grievance Officer at [email protected]. In the event of unsatisfactory response from the Head Grievance Officer, he/she may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance. Details of the offices of the Insurance Ombudsman are available at IRDAI website www.irda.gov.in or on company website www.reliancegeneral.co.in or on www.gbic.co.in. The insured may also contact the following office of the Insurance Ombudsman within whose territorial jurisdiction the branch or office of the Company is located.Office of the Insurance Ombudsman,3rd Floor,Jeevan Seva Annexe,S. V. Road,Santacruz (W), Mumbai - 400 054. Tel.: 022 - 26106552 / 26106960 Fax: 022 - 26106052 Email: [email protected] | Shri. A. K. Sahoo Office of the Insurance Ombudsman,Jeevan Darshan Bldg.,3rd Floor,C.T.S. No.s. 195 to 198,N.C. Kelkar Road,Narayan Peth, Pune – 411 030. Tel.: 020-41312555 Email: [email protected]

RELIANCE SEASTAR MARINE INSURANCE POLICY ISSUANCE TERMS & CONDITIONS

Page : 1 of 79

Reliance General Insurance Company Limited. IRDAI Registration No. 103. An ISO 9001:2015 Certified CompanyRegistered Office & Corporate Office : Reliance General Insurance Company Limited 6th Floor, Oberoi Commerz, International Business Park,Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063.Corporate Identity No.U66603MH2000PLC128300. UIN: IRDAN103P0022V022009.Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License. RGI/UW/CO/24SV/PS/VER. 1.0/310118.

Annexure A: Attached to and Forming part of Policy No:92022924SVM00073

Inland Transit : INDIA To INDIA

Import Transit : From the Countries mentioned below to INDIA

Andorra, Argentina, Aruba, Ascension, Australia, Austria, Azores, BAHAMAS, Bahrain, Barbados, Belgium, Belize, BERMUDA, Bhutan, Bolivia, Boputatswana, Brazil, Brunei Darussalam, Bulgaria, Cambodia, Canada, Canary Island, CAYMAN ISLANDS, Chad, Chile, China, Ciskei, Cocos Keeling Island, Colombia, Cook Island, Costa Rica, Cyprus, Czech Republic, Denmark, Diego Garcia, Dominican Republic, East Timor, Ecuador, El Salvador Rep., Estonia, Falkland Island, FALKLAND ISLANDS, Faroe Island, Fiji Republic, Finland, Fr.Guinea, Fr.Polynesia, France, Germany, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guyana, Haiti, Honduras, Hongkong, Hungary, Iceland, Indonesia, Ireland, Israel, Italy, IVORY COAST, Jamaica, Japan, Jordan, Kirghistan, Kiribati, Korea (South), Kuwait, Laos, Latvia, Liechstein, Luxembourg, Macao, Madeira Island, Malaysia, Maldives, Malta, Mariana Island, Marshal Island, Martinque, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, MONTENEGRO, montserrat, Nauru, Netherlands, Netherlands Anthilles, New Caledonia, New Zealand, NICARAGUA, Niue Island, NORFOLK ISLAND, Norway, Oman, Palau, Panama, Papau New Guinea, Paraguay, Peru, Phillipines, Poland, Portugal, PUERTO RICO, Qatar, Rodrigues Island, Romania, Samoa American, Samoa Western, San Marino, Saudi Arabia, SERBIA, Seychelles, Singapore, Slovak Republic, SLOVAKIA, Slovenia, Soloman Island, Spain, Srilanka, ST KITTS & NEVIS, ST LUCIA (WI), ST VINCENT & GRENADINES (WI), St.Helena, St.Pierre and Miquelon, Suriname, Sweden, Switzerland, Taiwan, Thailand, Tonga, Transkei, Trinidad and Tobago, Turkey, TURKS & CAICOS ISLANDS, Tuvalu, United Arab Emirates, United Kingdom, Uruguay, USA, Vatican City State, Venda, Vietnam, VIRGIN ISLANDS (BRITISH), VIRGIN ISLANDS (US), Wallis and Futina Island, WEST INDIES, Yogoslavia

Export Transit : From INDIA to the Countries mentioned below

Andorra, Argentina, Aruba, Ascension, Australia, Austria, Azores, BAHAMAS, Bahrain, Barbados, Belgium, Belize, BERMUDA, Bhutan, Bolivia, Boputatswana, Brazil, Brunei Darussalam, Bulgaria, Cambodia, Canada, Canary Island, CAYMAN ISLANDS, Chad, Chile, China, Ciskei, Cocos Keeling Island, Colombia, Cook Island, Costa Rica, Cyprus, Czech Republic, Denmark, Diego Garcia, Dominican Republic, East Timor, Ecuador, El Salvador Rep., Estonia, Falkland Island, FALKLAND ISLANDS, Faroe Island, Fiji Republic, Finland, Fr.Guinea, Fr.Polynesia, France, Germany, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guyana, Haiti, Honduras, Hongkong, Hungary, Iceland, Indonesia, Ireland, Israel, Italy, IVORY COAST, Jamaica, Japan, Jordan, Kirghistan, Kiribati, Korea (South), Kuwait, Laos, Latvia, Liechstein, Luxembourg, Macao, Madeira Island, Malaysia, Maldives, Malta, Mariana Island, Marshal Island, Martinque, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, MONTENEGRO, montserrat, Nauru, Netherlands, Netherlands Anthilles, New Caledonia, New Zealand, NICARAGUA, Niue Island, NORFOLK ISLAND, Norway, Oman, Palau, Panama, Papau New Guinea, Paraguay, Peru, Phillipines, Poland, Portugal, PUERTO RICO, Qatar, Rodrigues Island, Romania, Samoa American, Samoa Western, San Marino, Saudi Arabia, SERBIA, Seychelles, Singapore, Slovak Republic, SLOVAKIA, Slovenia, Soloman Island, Spain, Srilanka, ST KITTS & NEVIS, ST LUCIA (WI), ST VINCENT & GRENADINES (WI), St.Helena, St.Pierre and Miquelon, Suriname, Sweden, Switzerland, Taiwan, Thailand, Tonga, Transkei, Trinidad and Tobago, Turkey, TURKS & CAICOS ISLANDS, Tuvalu, United Arab Emirates, United Kingdom, Uruguay, USA, Vatican City State, Venda, Vietnam, VIRGIN ISLANDS (BRITISH), VIRGIN ISLANDS (US), Wallis and Futina Island, WEST INDIES, Yogoslavia

Method of Packaging Drums - Second Hand Fibre Drums, Drums - Second Hand Metallic Drums, Bales (Fully Pressed), Barrel/Cask - Second Hand, Barrel/Cask - New, Bottles in Cartons, Bottles in Cases, Bulk - Dry Cargo, Bulk - Liquid (Tanker), Barrel/Cask - Bundles, Carbuoy/Jars, Cardboard Box/Carton, Container - Cartons, Container - Fully Enclosed, Container - Glass Carbuoys, Container - Insulated, Container - Open Top, Refrigerated/Cooled/Chilled, Cylinder, Second Hand Double Gunny Bags, High Density Polythene Bags, Lift Van, Loose/Unpacked, Drums - New Fibre Drums, Drums - New Metallic Drums, New Double Gunny Bag, New Single Gunny Bag, Pallets, Paper Bags - less than 5 ply, Paper Bags - 5 ply and over, Polypacks, Poly propelene bags, Rolls (Paper), Second Hand Single Gunny Bags, Skids, Special Purpose - Refrigerated, Standard & Customary , Tankers, Plywood Chests for Tea with Aluminium lining, Tins, Unitised, Wooden Cases, Wooden Crates

Authorized signatory

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Annexure B: Attached to and Forming part of Policy No:92022924SVM00073

Sr. No. Commodity Cover Export Import Inland Excess Per Bottom Limit

1 A/C, Coolers Fridge Tv Tape Recorder Electronic Appliances

ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim

ICC Air 0.050000 0.050000 0.050000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim

ITC A 0.000000 0.000000 0.050000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim

ITC B 0.000000 0.000000 0.050000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim

10000000

2 Agriculture Machines ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

3 All Bulk Cargo - Inland Transit


20000000

4 All Metal Wares including Utensils





20000000

5 All Plastic Goods and sheets





20000000

6 Apparel, Accessories - Fabric, Cloth, Yarn And Other Materials





10000000

7 Audio Devices - Audio, Visual & Sound Equipment - General Commercial Equipment And Parts And Accessories





10000000

8 Auto Spares & Auto Parts, ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

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9 Bagged Cargo ICC A 0.040000 0.040000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




20000000

10 Ball Bearings ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

11 Bolds,Nuts,Files & Other Hardware Items





10000000

12 Butter - Overseas - Bulk Cargo


10000000

13 Butter Milk Products Medicines -Refrigerated /insulated vans





20000000

14 Butter Oil - Overseas - Bulk Cargo


10000000

15 Cashew Nuts ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim



10000000

16 Cast Iron Goods Not Forming Part of Machinery





10000000

17 Chemicals Of All Kinds And Forms Excluding Hazardous Chemicals (In Tins, Drums, Etc)





10000000

18 Coir Tarn Coir Products - Overseas - Bulk



20000000

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19 Computers ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim




10000000

20 Construction Equipment ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

21 Cotton FP Bales - Overseas - Bulk Cargo


10000000

22 Cotton,Staple,Coir,Vegetable&Man Made Fibres





10000000

23 Crude Oil ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim



10000000

24 Drugs, Medicines - Non Perishable Drugs And Medicines Excluding Temperature Sensitive Drugs





10000000

25 Edible Oil - Overseas - Bulk


10000000

26 Electronic Components - High Value Ic’S Including Dram, Sdram Ic’S, Sram Ic’S, Cpu Ic’S, Math Co Processors





10000000

27 Electronic Components/Goods , Electronic Equipment And Products - Commercial Workstations And Peripherals, Mainframes, Servers And Similar Equipment





10000000

28 Empty Containers ITC B 0.000000 0.000000 0.050000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim

10000000

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29 Finished Leather Leather Goods Footwear Rubber goods





10000000

30 Fragile Articles - Refractories AC Sheets Electrodes





20000000

31 Glass,bulbs TV Tubes Porcelain Insulators & electrical items





20000000

32 Gunnies Jute Hessian products - Overseas - Bulk



20000000

33 Handicrafts & Hobby Items.(Excluding Fragile Items)





10000000

34 Health And Beauty Aids –Other Health & Beauty Aids





10000000

35 Liquid Cargo/Chemicals - Hazardous





10000000

36 Liquid Cargo/Chemicals - Milk in tankers




10000000

37 Liquid Cargo/Chemicals - Non-Hazardous





20000000

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38 LPG ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim


10000000

39 Lube Oil,Superior Kerosene,HSD Diesel Oil Etc




20000000

40 Machinery & Machine Tools & Spares and Parts





20000000

41 Matches Fireworks Crackers Ammunition Explosives Gases




20000000

42 Metal Bars Tubes Sheets Ingots Plates Structural Materials





10000000

43 Non Hazardous Other Commodities - Inland Transist


20000000

44 Papers Stationery Goods Books Magazines





20000000

45 Paraffin In Liquid Form ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim



10000000

46 Paraxylene ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim



10000000

47 Personal Effects & Household Goods


2500000

48 Pharmaceutical,toilet Provisions Confectionery Other Packing





10000000

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49 Piece goods, garments,gunnies & coir products





10000000

50 Precision Instruments including Electronic & Electric

ICC A 0.040000 0.040000 0.000000 1% of the consignment value subject to minimum of Rs 5,000/- for each and every claim

20000000

51 Printing Paper for Curency Notes - Overseas - Bulk



20000000

52 Readymade Garments, Textiles, Fabrics, Hand Knitted & Woven , Synthetic Fibre,Woven Fabric (Except Cotton),Cotton Fabric





20000000

53 Rice - Overseas - Bulk ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim

20000000

54 Safety And Security Devices





10000000

55 Sanitaryware Earthern ware Glassware Crockery Chinaware





20000000

56 Silks, Yarns, Made Ups , Raw Silk , Cotton Yarn Including Bales





10000000

57 Skimmed Milk Powder - Overseas - Bulk Cargo


10000000

58 Sports Goods. ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

59 Steel Plates,Hot Rolled Sheets, Cold Rolled Sheets,Galvanised Iron / Steel Sheets





25000000

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60 Timber logs ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim


20000000

61 Toys (Excluding Electronic Items)





10000000

62 Tyres - Overseas - Bulk ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim


20000000

63 Used Secondhand Machinery

ICC B 0.000000 0.050000 0.000000 1% of the consignment Value subject to minimum Rs 5000/- for each & every claim

ITC B 0.000000 0.000000 0.045000 1% of the consignment Value.

10000000

64 Wheat - Overseas - Bulk ICC A 0.050000 0.050000 0.000000 1% of the consignment value subject to minimum of Rs 10000/- for each and every claim

20000000

65 Wires,Cables etc ICC A 0.040000 0.040000 0.000000 1% of the consignment value subject to minimum of Rs 5,000/- for each and every claim




20000000

66 Wooden/Metal Furniture ICC A 0.040000 0.040000 0.000000 1% of the consignment value subject to minimum of Rs 5000/- for each and every claim




10000000

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Annexure C: Attached to and Forming part of Reliance Seastar Marine Insurance Policy No:92022924SVM00073

Sr. No. Commodity Cover Clauses (Pls refer clause id for description)

Special Exclusions Warranties

1 A/C, Coolers Fridge Tv Tape Recorder Electronic Appliances

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried underdeck unless it is containerised • Unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • The carrying vessel should be upto 25 years of age.• The interest hereunder is brand new and has not previously been in use. Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • The interest hereunder is brand new and has not previously been in use. Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo • Excluding Tail End Transit.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. Warranted that the interest hereunder is brand new and has not previously been in use .• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Pre-existing damages, if any. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy •• Warranted that coverage for CIF import is ITC B + SRCC

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2 Agriculture Machines ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried under deck unless it is containerized • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 11 of 79


3 All Bulk Cargo - Inland Transit

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration • Excluding Tail End Transit.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy · Warranted IMDG code is complied with for Dangerous/Hazadous cargo. • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause. • Warranted that vehicle is clean and fit to carry cargo. • Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted goods are carried as per IMDG and IMSBC, IMO (Applicable for transits of Hazardous / Extra Hazardous / Dangerous cargo).• Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted that the requisite temperature, humidity/moisture and ventilation conditions according to nature of cargo be maintained throughout the voyage and whilst in storage.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)• Warranted that loading/ discharging of cargo is supervised by approved surveyors nominated by the Insurer at the Assured's cost.

Page : 12 of 79


4 All Metal Wares including Utensils

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. Warranted that the interest hereunder is brand new and has not previously been in use .• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·• Warranted that coverage for CIF import is ITC B + SRCC

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5 All Plastic Goods and sheets

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried underdeck unless it is containerised • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • The carrying vessel should be upto 25 years of age.Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration • Excluding Tail End Transit.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Pre-existing damages, if any.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


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6 Apparel, Accessories - Fabric, Cloth, Yarn And Other Materials

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration • Excluding Tail End Transit.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


7 Audio Devices - Audio, Visual & Sound Equipment - General

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Commercial Equipment And Parts And Accessories

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


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ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



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8 Auto Spares & Auto Parts,

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


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9 Bagged Cargo ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding loss or damage due to contamination, moisture, liquefication, sweat, mould, stains, taints, mildew, bacterial, fungal and parasitic infestation, efflorescence and deliquescence unless caused by Inland Transit (Rail/Road) (B) perils.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Bagged Cargo For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause• Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted goods are carried as per IMDG and IMSBC, IMO (Applicable for transits of Hazardous / Extra Hazardous / Dangerous cargo).• Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted that the requisite temperature, humidity/moisture and ventilation conditions according to nature of cargo be maintained throughout the voyage and whilst in storage.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains).• Warranted that loading/ discharging of cargo is supervised by approved surveyors nominated by the Insurer at the Assured's cost.

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ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding loss or damage due to contamination, moisture, liquefication, sweat, mould, stains, taints, mildew, bacterial, fungal and parasitic infestation, efflorescence and deliquescence unless caused by Inland Transit (Rail/Road) (B) perils. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Bagged Cargo For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause• Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted goods are carried as per IMDG and IMSBC, IMO (Applicable for transits of Hazardous / Extra Hazardous / Dangerous cargo).• Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted that the requisite temperature, humidity/moisture and ventilation conditions according to nature of cargo be maintained throughout the voyage and whilst in storage.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)• Warranted that loading/ discharging of cargo is supervised by approved surveyors nominated by the Insurer at the Assured's cost.

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ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo. • Excluding loss or damage due to contamination, moisture, liquefication, sweat, mould, stains, taints, mildew, bacterial, fungal and parasitic infestation, efflorescence and deliquescence unless caused by Inland Transit (Rail/Road) (B) perils. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·• Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause • Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted goods are carried as per IMDG and IMSBC, IMO (Applicable for transits of Hazardous / Extra Hazardous / Dangerous cargo).• Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted that the requisite temperature, humidity/moisture and ventilation conditions according to nature of cargo be maintained throughout the voyage and whilst in storage.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)• Warranted that loading/ discharging of cargo is supervised by approved surveyors nominated by the Insurer at the Assured's cost.

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ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy •• Warranted that coverage for CIF import is ITC B + SRCC. • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause• Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted goods are carried as per IMDG and IMSBC, IMO (Applicable for transits of Hazardous / Extra Hazardous / Dangerous cargo).• Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted that the requisite temperature, humidity/moisture and ventilation conditions according to nature of cargo be maintained throughout the voyage and whilst in storage.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)• Warranted that loading/ discharging of cargo is supervised by approved surveyors nominated by the Insurer at the Assured's cost.

10 Ball Bearings ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



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ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. Warranted that the interest hereunder is brand new and has not previously been in use .• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• In the event of claim for loss or damage to any part or parts of the interest insured in consequence of a peril covered by the policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of part or parts lost or damaged as the insured value bears to the value of a new container plus additional charges for forwarding and refitting the new part or parts if incurred. Provided in no case shall liability of underwriters exceed the insured value of the container. •. Warranted that this insurance is subject to Average and in the event of the Sum Insured at the time of loss being less than the value of the Container reckoned as per the warranty in the Policy, the Assured shall be entitled to recover for repair/ replacement only such proportion as the Sum Insured bears to the value of the Container. • Warranted Containers are covered within India only as per ITC (B) & SRCC And Basis of valuation will be market depreciated value ·• Warranted that coverage for CIF import is ITC B + SRCC ·

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11 Bolds,Nuts,Files & Other Hardware Items

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Pre-existing damages, if any. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


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12 Butter - Overseas - Bulk Cargo

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items. Excluding losses due to adulteration, contamination and deteriotation of quality. Excluding Loss or damage to the subject matter insured due to change in moisture content/ ingres of moisture, fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Load Port Draft survey/Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

13 Butter Milk Products Medicines -Refrigerated /insulated vans

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried under deck unless it is containerized • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted transit through refrigerated vehicle with data logger attached throughout the journey.

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ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy · Warranted transit through refrigerated vehicle with data logger attached throughout the journey.

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding Bulk Cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy . Warranted transit through refrigerated vehicle with data logger attached throughout the journey.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



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14 Butter Oil - Overseas - Bulk Cargo

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding losses due to adulteration, contamination and deteriotation of quality. Excluding Loss or damage to the subject matter insured due to change in moisture content/ ingres of moisture, fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Load Port Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost . Warranted Certificate of cleanliness and fitness of Hold of vessel to load cargo is obtained at load port. (applicable for bulk)

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15 Cashew Nuts ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with seals intact.• Excluding Rejection/Quality Losses unless caused by external accidental peril • Excluding damage to the consignment due to moisture (unless due to direct contact with water, due t the occurrence of an insured peril) • Excluding Hook damages. • Excluding shortage from sound packages.• Excluding Tail End Transit.• Excluding mould, mildew, fungus, infestation • Excluding contamination• Excluding temperature controlled items.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that The cargo is carried underdeck unless it is containerised • unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments to African countries, Pakistan , the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. • The carrying vessel should be upto 25 years of age. • Bagged Cargo Warranty • Warrnated that new bags are used for packing.Coverage is as per INCOTERMS. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with seals intact.• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage to the consignment due to moisture (unless due to direct contact with water, due t the occurrence of an insured peril).• Excluding Hook damages. • Excluding shortage from sound packages.• Excluding Tail End Transit.• Excluding mould, mildew, fungus, infestation.• Excluding contamination.• Excluding temperature controlled items.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that Unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments to African countries, Pakistan , the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. • Bagged Cargo Warranty • Warrnated that new bags are used for packing. Coverage is as per INCOTERMS. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with seals intact.• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage to the consignment due to moisture (unless due to direct contact with water, due t the occurrence of an insured peril).• Excluding Hook damages. • Excluding shortage from sound packages.• Excluding Tail End Transit.• Excluding mould, mildew, fungus, infestation.• Excluding contamination.• Excluding temperature controlled items.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that the interest hereunder is new and has not previously been in use • Bagged Cargo Warranty • Warrnated that new bags are used for packing. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·

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16 Cast Iron Goods Not Forming Part of Machinery

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



17 Chemicals Of All Kinds And Forms Excluding Hazardous Chemicals (In Tins, Drums, Etc)

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ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • Bagged Cargo For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


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ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding rejection and quality losses.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


18 Coir Tarn Coir Products - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that the cargo is carried underdeck unless it is containerised • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • The carrying vessel should be upto 25 years of age.Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC. Quantity Insured- Load Port draft survey or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy •Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

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19 Computers ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo • Excluding Dead on arrival.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried underdeck unless it is containerised • Unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • The carrying vessel should be upto 25 years of age.• The interest hereunder is brand new and has not previously been in use. Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo • Excluding Dead on arrival.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • The interest hereunder is brand new and has not previously been in use. Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo • Excluding Tail End Transit • Excluding Dead on arrival.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 32 of 79


20 Construction Equipment ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



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21 Cotton FP Bales - Overseas - Bulk Cargo

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding country and heart damage. Excluding unexplained shortage. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried underdeck unless it is containerised • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted requisite temperature/humidity and adequate ventilations to be maintained.

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22 Cotton,Staple,Coir,Vegetable&Man Made Fibres

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



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23 Crude Oil ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk)

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·• Warranted IMDG code is complied with for transit of Hazardous/Dangerous cargo

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding rejection and quality losses. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


24 Drugs, Medicines - Non Perishable Drugs And Medicines Excluding Temperature Sensitive Drugs

Page : 36 of 79


ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items• Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items• Excluding Bulk Cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 37 of 79


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding rejection and quality losses. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


25 Edible Oil - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Load Port Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

26 Electronic Components - High Value Ic’S Including Dram, Sdram Ic’S, Sram Ic’S, Cpu Ic’S, Math Co Processors

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 38 of 79


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo. • Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


27 Electronic Components/Goods , Electronic Equipment And Products - Commercial Workstations And Peripherals, Mainframes, Servers And Similar Equipment

Page : 39 of 79


ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

•Warranted that the cargo is carried under deck unless it is containerized • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

•Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo. •Excluding computer, laptops & mobile phones . • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 40 of 79


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items. •Excluding computer, laptops & mobile phones .• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


28 Empty Containers ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Coverage as per ITC B only. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• In the event of claim for loss or damage to any part or parts of the interest insured in consequence of a peril covered by the policy, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of part or parts lost or damaged as the insured value bears to the value of a new container plus additional charges for forwarding and refitting the new part or parts if incurred. Provided in no case shallliability of underwriters exceed the insured value of the container. •. Warranted that this insurance is subject to Average and in the event of the Sum Insured at the time of loss being less than the value of the Container reckoned as per the warranty in the Policy, the Assured shall be entitled to recover for repair/ replacement only such proportion as the Sum Insured bears to the value of the Container. • Warranted Containers are covered within India only as per ITC (B) & SRCC And Basis of valuation will be market depreciated value ·• Warranted that coverage for CIF import is ITC B + SRCC ·

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29 Finished Leather Leather Goods Footwear Rubber goods

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Denting, Bending, Scratching, Discoloration, Wetting and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages.• Excluding shortages from containers with Seals intact• Excluding Loss or damage to the subject matter insured due to heating or sweating.• Excluding Loss or damage due to fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 42 of 79


30 Fragile Articles - Refractories AC Sheets Electrodes

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air por • The interest hereunder is new brand and has not previously been in use Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 43 of 79


31 Glass,bulbs TV Tubes Porcelain Insulators & electrical items

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding dead on arrival • Excluding pre-existing damages, if any.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 44 of 79


32 Gunnies Jute Hessian products - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that the cargo is carried underdeck unless it is containerised • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • The carrying vessel should be upto 25 years of age.Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC. Quantity Insured- Load Port draft survey or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 45 of 79


33 Handicrafts & Hobby Items.(Excluding Fragile Items)

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that the cargo is carried underdeck unless it is containerised • unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • The interest hereunder is brand new and has not previously been in use. Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



34 Health And Beauty Aids –Other Health & Beauty Aids

Page : 46 of 79


ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 47 of 79


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


35 Liquid Cargo/Chemicals - Hazardous

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted IMDG code is complied with for Dangerous and Hazardous cargo.

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact • Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding shortage from sound packages • Excluding Unexplained shortages • Excluding temperature controlled items • Excluding Bulk Cargo.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • Bagged Cargo For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted IMDG code is complied with.

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ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy . Warranted IMDG code is complied with for transit of Dangerous and Hazardous cargo.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding rejection and quality losses. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 49 of 79


36 Liquid Cargo/Chemicals - Milk in tankers

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding rejection and quality losses.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


37 Liquid Cargo/Chemicals - Non-Hazardous

Page : 50 of 79


ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 51 of 79


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



38 LPG ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted IMDG code is complied for Dangerous and Hazardous cargo.

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy · Warranted IMDG code is complied with for transit of Hazardous/Dangerous cargo.

Page : 52 of 79


39 Lube Oil,Superior Kerosene,HSD Diesel Oil Etc

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • Bagged Cargo For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted IMDG code is complied with for transit of Hazardous and Danzerous cargo. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Load Port Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy . Warranted IMDG code is complied with for transit of Hazardous and Dangerous cargo.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 53 of 79


40 Machinery & Machine Tools & Spares and Parts

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that the cargo is carried under deck unless it is containerized • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC.Warranted Brand New Goods and in Original Manufacturers Packing.

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


•Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air por • The interest hereunder is new brand and has not previously been in use Coverage is as per INCOTERMS. •Warranted Brand New Goods and in Original Manufacturers Packing.

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted Brand New Goods and in Original Manufacturers Packing.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted that coverage for CIF import is ITC B + SRCC

Page : 54 of 79


41 Matches Fireworks Crackers Ammunition Explosives Gases

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted IMDG code is complied with for transit of Hazardous and Dangerous cargo.

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·Warranted IMDG code is complied with.

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy . Warranted IMDG code is complied with for transit of Dangerous/Hazardous cargo.

Page : 55 of 79


42 Metal Bars Tubes Sheets Ingots Plates Structural Materials

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 56 of 79


43 Non Hazardous Other Commodities - Inland Transist

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 57 of 79


44 Papers Stationery Goods Books Magazines

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 58 of 79


45 Paraffin In Liquid Form

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing •For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Load Port Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 59 of 79


46 Paraxylene ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • Warranted that new drums/tins are used for packing • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·• Warranted that coverage for CIF import is ITC B + SRCC. Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk).Quantity Insured- Load Port Ullage Report or the Bill of lading quantity whichever is less. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost .

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



47 Personal Effects & Household Goods

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Pre-existing damages, if any.• Excluding Tail End Transits • Excluding automobiles - Cars & Two Wheelers of any kind/type absolutely. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy.

Page : 60 of 79


48 Pharmaceutical,toilet Provisions Confectionery Other Packing

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 61 of 79


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



49 Piece goods, garments,gunnies & coir products

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding shortages from containers with Seals intact• Excluding Rejection/Quality Losses unless caused by external accidental peril.• Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage.• Excluding Hook damages • Excluding shortage from sound packages • Excluding spotting and discolouration.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 62 of 79


50 Precision Instruments including Electronic & Electric

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



51 Printing Paper for Curency Notes - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that the cargo is carried underdeck unless it is containerised • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • The carrying vessel should be upto 25 years of age.Coverage is as per INCOTERMS. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC.

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 63 of 79


52 Readymade Garments, Textiles, Fabrics, Hand Knitted & Woven , Synthetic Fibre,Woven Fabric (Except Cotton),Cotton Fabric

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 64 of 79


53 Rice - Overseas - Bulk ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mould, Mildew, Contamination, Fungus & Infestation unless caused by ICC (B) / ITC (B) perils• Excluding damage to the consignment due to water unless entry of Sea/River/ Lake/Ocean water• Excluding Trade Losses/Unexplained shortages/Rejection and Quality losses. • Excluding shortages from containers with Seals intact• Excluding Loss or damage to the subject matter insured due to heating or sweating. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that The cargo is carried underdeck unless it is containerised • unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments to African countries, Pakistan , the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport /Airport. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. • Coverage is as per INCOTERMS. Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost . Quantity Insured- Load Port draft survey or the Bill of lading quantity whichever is less. Warranted Certificate of cleanliness and fitness of Hold of vessel to load cargo is obtained at load port. (applicable for bulk). • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause • Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)

Page : 65 of 79


54 Safety And Security Devices

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 66 of 79


55 Sanitaryware Earthern ware Glassware Crockery Chinaware

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 67 of 79


56 Silks, Yarns, Made Ups , Raw Silk , Cotton Yarn Including Bales

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 68 of 79


57 Skimmed Milk Powder - Overseas - Bulk Cargo

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rejection/Quality Losses unless caused by external accidental peril. • Excluding damage due to water unless entry of rain, lake, river or sea water into the container or place of storage. • Excluding Hook damages • Excluding Tail End Transit • Excluding Unexplained shortages • Excluding temperature controlled items. Excluding losses due to adulteration, contamination and deteriotation of quality. Excluding Loss or damage to the subject matter insured due to change in moisture content/ ingres of moisture, fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted for shipments to African countries, Pakistan, the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport / Airport. Interior transits in these countries will not be covered • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. Coverage is as per INCOTERMS. ·Warranted certificate of cleanliness and fitness of tankers, pipelines and shore tank installation and certificate of quality and sampling obtained at ports of loading /discharging. (applicable for bulk). Quantity Insured- Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost . Warranted requisite temperature/humidity and adequate ventilations to be maintained.Warranted Certificate of cleanliness and fitness of Hold of vessel to load cargo is obtained at load port.

Page : 69 of 79


58 Sports Goods. ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages • Excluding Overdimensional cargo.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy.

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 70 of 79


59 Steel Plates,Hot Rolled Sheets, Cold Rolled Sheets,Galvanised Iron / Steel Sheets

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9


• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Warranted that coverage for CIF import is ITC B + SRCC

Page : 71 of 79


60 Timber logs ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Trade Losses/Unexplained shortages/Rejection and Quality losses. • Excluding shortages from containers with Seals intact• Excluding Loss or damage to the subject matter insured due to heating or sweating. Excluding Discoloration, Wetting, Staining, Scratching, Bruising and Chipping unless and untill caused by ITC B perils. Excluding Loss or damage due to fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• It is warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy. • For shipments to African countries, Pakistan , the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport /Airport. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. • The carrying vessel should be upto 25 years of age. Coverage is as per INCOTERMS. · For imported shipments purchased on CIF basis, where the risk is originating from any Indian port, the coverage will be as per ITC (B) .Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water." Warranted that the cargo should be adequately lashed/strapped before the commencement of the transit. Cutting Clause- Warranted that the damaged portion should be cut off and the balance utilised. Coverage as per INSTITUTE TIMBER TRADE FEDERATION CLAUSES -01/04/1986. Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Trade Losses/Unexplained shortages/Rejection and Quality losses. • Excluding shortages from containers with Seals intact• Excluding Loss or damage to the subject matter insured due to heating or sweating. Excluding Discoloration, Wetting, Staining, Scratching, Bruising and Chipping unless and untill caused by ITC B perils. Excluding Loss or damage due to fungus, mildew , spore sand mould damage from the scope of cover. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. It is warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy. For imported shipments purchased on CIF basis, where the risk is originating from any Indian port, the coverage will be as per ITC (B)

Page : 72 of 79


61 Toys (Excluding Electronic Items)

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC B/ITC-B • Excluding shortage from sound packages. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

•Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy .

ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ITC “B” • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Fragile Items. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


Page : 73 of 79


62 Tyres - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding Heating, Sweating unless caused by ICC (B) / ITC (B) perils. Excluding rejection and quality losses.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that the cargo is carried under deck unless it is containerized • Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water• Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy • Coverage is as per INCOTERMS. • That the interest hereunder is brand new and has not previously been in use. • Warranted any transit from, to or through Afghanistan, Iran, Sudan, Syria, Myanmar, Cuba, Iraq, Libya, North Korea, Pakistan, African countries, Somalia, Chechnya, Bosnia and any of the European Union and/or United States and/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy ·• Warranted that coverage for CIF import is ITC B + SRCC.

ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding Heating, Sweating unless caused by ICC (B) / ITC (B) perils. Excluding rejection and quality losses.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


63 Used Secondhand Machinery

ICC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

•Any pre-existing loss or damage before commencement of transit Any loss or damage caused due to inadequacy of packing. • Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy. • Excluding over dimensional machinery.

•Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy.•Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water • Pair and set clause •Basis of Valuation : Depriciated Market Value.

ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

•Any pre-existing loss or damage before commencement of transit Any loss or damage caused due to inadequacy of packing.• Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.•Excluding over dimensional machinery.

•Warranted that if the weight of the cargo exceeds than Registration Laden weight/ Licensed Carrying Capacity of the vehicle, as mentioned in the Registration Certificate of the vehicle, then any loss or damage arising out of such transit is not covered under the above mentioned policy.•Warranted that goods are transported in closed wagons and /or trucks to be covered with tarpaulin or any other water proof material to avoid ingress of water •pair and set clause • Basis of Valuation : Depriciated Market Value.

Page : 74 of 79


64 Wheat - Overseas - Bulk

ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mould, Mildew, Contamination, Fungus & Infestation unless caused by ICC (B) / ITC (B) perils• Excluding damage to the consignment due to water unless entry of Sea/River/ Lake/Ocean water• Excluding Trade Losses/Unexplained shortages/Rejection and Quality losses. • Excluding shortages from containers with Seals intact• Excluding Loss or damage to the subject matter insured due to heating or sweating. • Excluding loss or damage due to contamination, moisture, liquefication, sweat, mould, stains, taints, mildew, bacterial, fungal and parasitic infestation, efflorescence and deliquescence unless caused by Inland Transit (Rail/Road) (B) perils. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.

• Warranted that The cargo is carried underdeck unless it is containerised • unless specifically provided or the customary mode of despatch is by open wagons, the despatches should be by closed wagon or closed/tarpaulin covered Lorries. • For shipments to African countries, Pakistan , the cover will be terminated on discharge of goods from Vessel / Aircraft at destination Seaport /Airport. • For shipments from African countries, Pakistan, cover to commence once the goods are loaded on to the carrying Vessel / Aircraft at despatch Seaport / Air port. • Coverage is as per INCOTERMS. Warranted inspection to be carried out and a certificate provided in relation to loading moisture content, the absence of odor and contamination and the absence of pests. Warranted that loading /discharging of cargo is supervised by Lloyds agents or approved surveyors,at the Assured's cost . Quantity Insured- Load Port draft survey or the Bill of lading quantity whichever is less. Warranted Certificate of cleanliness and fitness of Hold of vessel to load cargo is obtained at load port. (applicable for bulk). • Warranted free of claim for shortages and / or loss in weight unless due to a fortuitous or accidental cause • Warranted that vehicle is clean and fit to carry cargo.• Warranted shortage from damaged bags to be reckoned by a comparison of weight of similar bags of the same lot arriving sound at the destination.• Warranted different types of grains are properly and adequately segregated from one another.• Warranted a certificate of origin, stating the year of harvest, temperature and water content should be issued before loading to the means of transport (applicable for grains)

65 Wires,Cables etc ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 75 of 79


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 76 of 79


66 Wooden/Metal Furniture ICC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC-B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC-B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages. • Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ICC Air 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Mechanical, Electronic & Electrical Derangement unless caused by perils covered under ICC B/ITC-B • Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ICC B/ITC-B • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ICC-B/ITC-B • Excluding shortage from sound packages.• Excluding returned shipment absolutely. Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC A 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9

• Excluding Rust, Oxidation & Discoloration unless caused by perils covered under ITC “B” • Excluding Denting, Bending, Scratching and Chipping unless caused by perils covered under ITC “B” • Excluding shortage from sound packages.• Excluding returned shipment absolutely.Any Intentional storage/storage where cargo is in control of the insured are excluded under the scope of coverage of the policy.


ITC B 1, 10, 11, 12, 13, 17, 18, 19, 2, 20, 21, 23, 26, 27, 3, 32, 8, 84, 9



Page : 77 of 79


Clause ID Clause Description

94 Institute Cargo Clauses (A) Cl 382 dated 1/1/2009

98 Institute War Clauses (Cargo) Cl 385 dated 1/1/2009

99 Institute Strikes Clauses (Cargo) Cl 386 dated 1/1/2009

3 Inland Transit Rail-Road (A) - All Risk

5 Inland Transit Rail-Road (B)

14 Strike, Riot & Civil Commotion Clause

10 Institute War Cancellation Clause (Cargo) CL 271 1/12/1982

11 Institute Strike Cancellation Clause

17 Institute Cyber Attack Exclusion Clause CL 380 10/11/2003

18 Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical And Electromagnetic Weapons Exclusion Clause Cl 370 dated 10/11/2003

21 Institute Classification Clause CL 354 1/1/2001

19 Cargo Ism Endorsement (1 May1998) JC 98/019

92 Sanction Limitation and Exclusion Clause JC 2010/014(11/08/10)

104 Cargo Termination of Storage in Transit Clause(ammended) dated 1/4/2020

4 Institute Cargo Clauses (B) CL 253 1/1/1982

95 Institute Cargo Clauses (Air) Cl 387 dated 1/1/2009(excluding sendings by Post)

100 Institute War Clauses (Air Cargo) Cl 388 01/01/2009

101 Institute Strike Clauses (Air Cargo) Cl 389 01/01/2009

26 Dispatch by Private Carriers Clause

32 Institute Replacement Clause CL 161 01/01/1934

59 Institute Frozen Food Clauses (A) (Excluding Frozen Meat) CL 263 1.1.1986

72 Institute Timber Trade Federation Clauses Cl 335 dated 1/4/86

80 Cutting Clause

23 Cargo Termination Of Transit Clause (Terrorism)

86 Replacement (Second Hand) Machinery Clause

9 Institute Strike Clause

20 Important Notice

2187 Joint Excess of Loss Cyber Losses Clause JX2020-007

27 Warranted closed Wagon or closed/tarpaulin covered Lorries.

2188 Communicable Disease Exclusion Clause (Cargo) JC2020-011

84 Pair and Set Clause

34 Lable Clause

Page : 78 of 79


Common Clauses

Clause Description ApplicabilityImportant Notice All Export/Import/Inland consignment

Institute War Clause 1/1/1982 All Export/Import Consignment

Institute Strike Clause All Export/Import Consignment

Institute War Cancellation Clause 1/1/1982 All Export/Import Consignment

Institute Strike Cancellation Clause All Export/Import Consignment

Strike, Riot & Civil Commotion Clause Inland Transit Only (if opted)

Duty Insurance Clause Imports if opted

Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons exclusion clause All Export/Import/Inland Consignment

FOB clause IF opted

Institute Cyber Attack Exclusion Clause CL 380 (10/11/2003). All Export/Import/Inland Consignment

Sanction Limitation & Exclusion Clause : No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to payany claims or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision ofsuch benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade oreconomic sanctions, laws or regulations of the European Union, United Kingdom or United States of America

All Export/Import Consignments

Common Warranties1. Conveyance by courier incase of inland Transits

Warranted consignments to be dispatched only through Couriers who are Registered under the Service Tax Act, 1994.

2. Conveyance by Postal Consignment i.e Export/Import/Inland

Warranty Applicable: Sending by Registered Post

3. All Export/Import Consignments (ICC Cover)

Warranted any transit from, to or through Afghanistan, Iraq, Libya, North Korea, Northern Sri Lanka, Somalia, Chechnya, Bosnia and any of the European Union and/or United Statesand/or United Nations and/or United Kingdom sanctioned countries are not covered under the policy.

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Reliance General Insurance Company Limited. IRDAI Registration No. 103. An ISO 9001:2015 Certified CompanyRegistered Office & Corporate Office : Reliance General Insurance Company Limited 6th Floor, Oberoi Commerz, International Business Park,Oberoi Garden City, Off Western Express Highway, Goregaon (East), Mumbai – 400 063.Corporate Identity No.U66603MH2000PLC128300. UIN: IRDAN103P0022V022009.Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License. RGI/UW/CO/24SV/PW/VER. 1.0/310118.

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