ICICI Lombard General Insurance Company LTD

ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,

Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

MARINE SINGLE TRANSIT INLAND POLICY

UIN­ IRDAN115RP0011V01200102 Marine 01

Policy no :2005/351271556/00/000
ICICI Lombard Marine Cargo Policy no. 2005/351271556/00/000dated 08­Jul­2024. has been issued at Mumbai by ICICI Lombard General Insurance Company
Limited to the Insured, ALB METALS , Meerut Rd Ghaziabad, , , GHAZIABAD, UTTAR PRADESH PIN­ 201001 and governed by the subject to the terms,
conditions and exclusions therein contained or otherwise expressed in the said Policy, but not exceeding the Sum Insured as specified in Part I of the Schedule.

ICICI Lombard General Insurance Company Limited ("the Company"), having received a Proposal and the premium from the Proposer named in the Schedule
referred to hereinbelow, and the said Proposal and Declaration together with any statement, report or other document leading to the issue of this Policy and
referred to therein having been accepted and agreed to by the Company and the Proposer as the basis of this contract do, by this Policy agree, in consideration of
and subject to the due receipt of the subsequent premiums, as set out in the Schedule with all its Parts, and further, subject to the terms and conditions contained
in this Policy, as set out in the Schedule with all its Parts, that on proof to the satisfaction of the Company of the compensation having become payable as set out
in Part I of the Schedule to the title of the said person or persons claiming payment or upon the happening of an event upon which one or more benefits become
payable under this Policy, the Sum Insured/ appropriate benefit will be paid by the Company.

Part I of Schedule :
Start Date 08­Jul­2024 1,201,863.00
Cargo Sum Insured value (INR)
End Date Till termination of transit as per duration clause.
Financial Interest Marine Premium (INR) 475.00

Consignee name ALB Metals SRCC Premium (INR) 25.00

Consignee address Meerut Rd Ghaziabad

Premium Break Up (Rs.) Premium (Rs.)
Subject Matter Insured Iron and Steel Rods, Metal Pipes, Tubes, Steel
Coils Stamp Duty (Rs.) 01.00
Description of goods HR Coil Cut to Size and Shape and Section *Total Premium (Rs.) 591.00
Description of Packing Standard and customary *Premium value mentioned above is inclusive of taxes
Location From Ghaziabad applicable
Location To Sikandrabad
Coverage :: ITC(B) + SRCC Cover
Basis of Valuation INVOICE + 10%
Clauses: (1) Cargo Termination of Storage in Transit Clause 2004 (2) Cargo
Vessel/Flight Details Termination of transit Clause Terrorism 2004 (3) Important Notice Clause (4)
Voyage No./Shipping Bill Inland Transit (RailRoad) Clause B (Named Perils) 2010 (5) Institute Cargo
No Clauses (Air Cargo excluding sending by Post) 01012009 (6) Institute
L/C No Chemical, Biological, Bio chemical Electromagnetic Weapons and Cyber attack
Exclusion Clause 01112002 (7) Institute Radio Active Contamination
BL/AWB/RR/LR No. and
Exclusion Clause 01112002 (8) Institute Strike Clauses (Cargo) 01012009 (9)
Date
Institute War Clauses (Cargo) 01012009 (10) Limit per location PLL (11)
Invoice No. and Date ALB/24­25/154 , 08­Jul­2024 Limit per Sending PSL (12) SRCC Cancellation Clause (13) Strike Riots
Intermediary Storage Commotion Clause
No
Required Excess: 1 % Of Whole Shipment Value Subject to minimum INR 10000
Intermediary Coverage
Intermediary Storage
Location
Intermediary Storage No.
of Days
Mode of Transit Road

Warranties and conditions: 1) 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 2)
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 3)
Warranted that the vessel used is in conformity with Institute classification Clause and should not be more than 25 years of age. 4) Institute Replacement
clause 5) Second hand Replacement clause 6) Pair and set clause 7) warranted that Non standard settlement upto 75 percent of net assessed loss if recovery
rights are prejudiced 8) 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 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
10) Warranted that the vessel used is in conformity with Institute classification Clause and should not be more than 25 years of age. 11) Institute Replacement
clause 12) Second hand Replacement clause 13) Pair and set clause 14) warranted that Non standard settlement upto 75 percent of net assessed loss if recovery
rights are prejudiced

Warranted that in the event of the goods hereby insured arriving at destination in a damaged condition, the Consignee shall obtain a Carriers? Survey as per the
terms of the Bill of Lading and/ or other contract of affreightment and shall lodge an immediate claim against the carriers concerned. Loss or damage certificate to
be obtained from the Carriers and immediate notice in writing should be given to the ICICI Lombard General Insurance Company Limited.
Warranties and conditions: 1) 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 2)
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 3)
Warranted that the vessel used is in conformity with Institute classification Clause and should not be more than 25 years of age. 4) Institute Replacement
clause 5) Second hand Replacement clause 6) Pair and set clause 7) warranted that Non standard settlement upto 75 percent of net assessed loss if recovery
rights are prejudiced 8) 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 9)
ICICI Lombard General Insurance Company LTD
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
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
10) Warranted that the vessel used is in conformity with Institute classification Clause and should not be more than 25 years of age. 11) Institute Replacement
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
clause 12) Second hand Replacement clause 13) Pair and set clause 14) warranted that Non standard settlement upto 75 percent of net assessed loss if recovery
rights are prejudiced

Warranted that in the event of the goods hereby insured arriving at destination in a damaged condition, the Consignee shall obtain a Carriers? Survey as per the
terms of the Bill of Lading and/ or other contract of affreightment and shall lodge an immediate claim against the carriers concerned. Loss or damage certificate to
be obtained from the Carriers and immediate notice in writing should be given to the ICICI Lombard General Insurance Company Limited.

Insurance Agent Name : POLICYBAZAAR INSURANCE BROKERS PRIVATE LIMITED; Agent Code(ID) : DB79719; Contact No:0­0 , 91­
8448190044.
Survey & Claim Settlement :
In the event of loss or damage which may involve a claim under this insurance policy, immediate notice thereof and application for survey should be given to:
ICICI Lombard General Insurance Company LTD , ICICI LOMBARD HOUSE , 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai
400 025

This confirmation numbered 2005/351271556/00/000, bearing a system­generated/facsimile signature of an authorised official of the Company, is valid subject to
the Insured, or an authorized signatory on behalf of the Insured, having signed this Confirmation, at the place as indicated below, and represents the availability of
benefit to the Insured subject to the terms, conditions and exclusions contained or otherwise expressed in the said Policy, but not exceeding the Sum Insured as
specified in Part I of the Schedule to the said Policy.

Important Notice: Please go through the policy document. Should you feel that there are any discrepancies/Variations, you are requested to write to us
immediately for necessary changes/ rectifications. In the absence of any immediate communication from you in this connection, we would take it that you have
accepted the contents and coverage confirming to your proposal

GSTIN Reg. No: 07AAACI7904G1ZP

IL GIC GSTIN Address : Fourth Parsavnath Capital Tower Bhai Veer Singh Marg, New Delhi New Delhi 110001
HSN/SAC code : 997139 ­ GENERAL INSURANCE SERVICES

Counter­signed by the Authorised Signatory of the Insured

Date: 08­Jul­2024 Place: Mumbai

For ICICI LOMBARD GENERAL INSURANCE CO. LTD.

Authorized Signatory
ICICI Lombard General Insurance Company Ltd.

*The stamp duty of Re. 0.5/­ ( Fifty Paise only) paid in cash or by demand draft or by pay order, vide Receipt/Challan no. CSD0220242018 dated April 10,
2024.

Notices

Any notice, direction or instruction given under this Policy shall be in writing and delivered by hand, post, to­
In Your case, at the last known address specified in the Schedule
In Our case:
ICICI Lombard General Insurance Company Limited
ICICI Lombard House
414, Veer Savarkar Marg
Near Siddhi Vinayak Temple,
Prabhadevi, Mumbai 400 025
Notice and instructions will be deemed served 7 days after posting or immediately upon receipt in the case of hand
delivery, facsimile or e­mail.

Customer Service

If at any time You require any clarification or assistance, You may contact any of Our offices at the address specified, during
normal business hours.

Grievance Clause

You can also approach the Insurance Ombudsman, depending on the nature of grievance and the
financial implication, if any. Information about Insurance Ombudsmen, their jurisdiction and
Near Siddhi Vinayak Temple,
Prabhadevi, Mumbai 400 025
Notice and instructions will be deemed served 7 days after posting or immediately upon receipt in the case of hand
delivery, facsimile or e­mail.

Customer Service

If at any time You require any clarification or assistance, You may contact any of Our offices at the
ICICI Lombard address
General Insurancespecified,
Company LTD during
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
normal business hours.
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

Grievance Clause

You can also approach the Insurance Ombudsman, depending on the nature of grievance and the
financial implication, if any. Information about Insurance Ombudsmen, their jurisdiction and
powers is available on the website of the Insurance Regulatory and Development Authority of
India (IRDAI) at www.irdai.gov.in, or of the General Insurance Council at
www.generalinsurancecouncil.org.in, the Consumer Education Website of the IRDAI at
http://www.policyholder.gov.in, or from any of Our Offices.

The details of Insurance Ombudsman are available below:­

Sr. Name and office of Insurance Ombudsman Territorial Area

No of Jurisdiction
AHMEDABAD
Shri Kuldip Singh,
Office of the Insurance Ombudsman, Jeevan
Prakash Building, 6th floor, Gujarat, Dadra &
1 Tilak Marg, Relief Road, Nagar Haveli,
Ahmedabad ­ 380 001. Daman and Diu
Tel.: 079­
25501201/02/05/06
Email: bimalokpal.ahmedabad@cioins.co.in
BENGALURU
Mr. Vipin Anand,
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57­27­
N­19
2 Karnataka.
Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase,
Bengaluru ­ 560 078.
Tel.: 080 ­ 26652048 / 26652049
Email: bimalokpal.bengaluru@cioins.co.in
BHOPAL
Shri R. M. Singh
Office of the Insurance Ombudsman,
Janak Vihar Complex,2nd Floor,
Madhya Pradesh,
3 6, Malviya Nagar,
Chattisgarh.
Opp. Airtel Office, Near New Market,
Bhopal ­ 462 003. Tel.: 0755 ­ 2769201 / 2769202
Fax: 0755 ­ 2769203
Email: bimalokpal.bhopal@cioins.co.in
BHUBANESHWAR
Shri Suresh Chandra Panda,
Office of the Insurance Ombudsman,
62, Forest park,
4 Odisha.
Bhubneshwar ­ 751 009.
Tel.: 0674 ­ 2596461 /2596455
Fax: 0674 ­ 2596429
Email: bimalokpal.bhubaneswar@cioins.co.in
Punjab,
Haryana
CHANDIGARH (excluding
Mr. Atul Jerath, Gurugram,
Office of the Insurance Ombudsman, Faridabad,
S.C.O. No. 101, 102 & 103, Sonepat and
2nd Floor, Batra Building, Bahadurgarh),
5
Sector 17 ­ D, Himachal
Chandigarh ­ 160 017. Pradesh, Union
Tel.: 0172 ­ 2706196 / 2706468 Territory of
Fax: 0172 ­ 2708274 Jammu &
Email: bimalokpal.chandigarh@cioins.co.in Kashmir,
 Email: bimalokpal.bhubaneswar@cioins.co.in
Punjab,
Haryana
CHANDIGARH (excluding
Mr. Atul Jerath, Gurugram,
Office of the Insurance Ombudsman, Faridabad,
S.C.O. No. 101, 102 & 103, Sonepat
ICICI Lombard General Insurance and
Company LTD
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
2nd Floor, Batra Building, Bahadurgarh),
5 Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
Sector 17 ­ D, Himachal
Chandigarh ­ 160 017. Pradesh, Union
Tel.: 0172 ­ 2706196 / 2706468 Territory of
Fax: 0172 ­ 2708274 Jammu &
Email: bimalokpal.chandigarh@cioins.co.in Kashmir,
Ladakh &
Chandigarh.
CHENNAI
Shri Segar Sampathkumar,
Tamil Nadu,
Office of the Insurance Ombudsman,
Pondicherry Town
Fatima Akhtar Court, 4th Floor,
and
6 453, Anna Salai, Teynampet,
Karaikal (which
CHENNAI ­ 600 018.
are part of
Tel.: 044 ­ 24333668 / 24335284
Pondicherry).
Fax: 044 ­ 24333664
Email: bimalokpal.chennai@cioins.co.in
DELHI
Delhi & following
Shri Sudhir Krishna,
District
Office of the Insurance Ombudsman,
of Haryana­
2/2 A, Universal Insurance Building,
7 Gurugram,
Asaf Ali Road,
Faridabad,
New Delhi ­ 110 002.
Sonepat and
Tel.: 011 ­ 23232481/23213504
Bahadurgarh
Email: bimalokpal.delhi@cioins.co.in
ERNAKULAM
Shri G Radhakrishnan
Office of the Insurance Ombudsman,
Kerala,
2nd Floor, Pulinat Bldg.,
Lakshadweep,
8 Opp. Cochin Shipyard, M. G. Road,
Mahe­a part of
Ernakulam ­ 682 015.
Puducherry.
Tel.: 0484 ­ 2358759 / 2359338
Fax: 0484 ­ 2359336
Email: bimalokpal.ernakulum@cioins.co.in
GUWAHATI
Assam,
Shri Somnath Ghosh,
Meghalaya,
Office of the Insurance Ombudsman,
Manipur,
Jeevan Nivesh, 5th Floor,
9 Mizoram,
Nr. Panbazar over bridge,
Arunachal Pradesh,
S.S. Road, Guwahati ­ 781001(ASSAM).
Nagaland and
Tel.: 0361 ­ 2632204 / 2602205
Tripura.
Email: bimalokpal.guwahati@cioins.co.in
HYDERABAD
Shri N Sankaran
Office of the Insurance Ombudsman,
Andhra Pradesh,
6­2­46, 1st floor, "Moin Court",
Telangana,
Lane Opp. Saleem Function Palace,
10 Yanam and
A. C. Guards, Lakdi­Ka­Pool,
Part of Territory of
Hyderabad ­ 500 004.
Puducherry.
Tel.: 040 ­ 67504123 / 23312122
Fax: 040 ­ 23376599
Email: bimalokpal.hyderabad@cioins.co.in
JAIPUR
Shri Rajiv Dutt Sharma,
Office of the Insurance Ombudsman,
Jeevan Nidhi ­ II Bldg.,
11 Gr. Floor, Rajasthan.
Bhawani Singh Marg,
Jaipur ­ 302 005.
Tel.: 0141 ­ 2740363
Email: bimalokpal.jaipur@cioins.co.in
KOLKATA
Shri P K Rath,
Office of the Insurance Ombudsman,
West Bengal,
 Email: bimalokpal.hyderabad@cioins.co.in
JAIPUR
Shri Rajiv Dutt Sharma,
Office of the Insurance Ombudsman,
Jeevan Nidhi ­ II Bldg.,
11 Gr. Floor, Rajasthan.
Bhawani Singh Marg, ICICI Lombard General Insurance Company LTD
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Jaipur ­ 302 005.
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
Tel.: 0141 ­ 2740363
Email: bimalokpal.jaipur@cioins.co.in
KOLKATA
Shri P K Rath,
Office of the Insurance Ombudsman,
West Bengal,
Hindustan Bldg. Annexe,
Sikkim,
12 4th Floor, 4, C.R. Avenue,
Andaman &
KOLKATA ­ 700 072.
Nicobar Islands.
Tel.: 033 ­ 22124339 / 22124340
Fax : 033 ­ 22124341
Email: bimalokpal.kolkata@cioins.co.in
Districts of Uttar
Pradesh :
Laitpur, Jhansi,
Mahoba,
Hamirpur, Banda,
Chitrakoot,
Allahabad,
Mirzapur,
Sonbhabdra,
Fatehpur,
Pratapgarh,
Jaunpur,
Varanasi, Gazipur,
Jalaun, Kanpur,
LUCKNOW
Lucknow, Unnao,
Office of the Insurance Ombudsman,
Sitapur,
6th Floor, Jeevan Bhawan,
Lakhimpur,
Phase­II, Nawal Kishore Road,
13 Bahraich,
Hazratganj, Lucknow ­ 226 001.
Barabanki,
Tel.: 0522 ­ 2231330 / 2231331
Raebareli,
Fax: 0522 ­ 2231310
Sravasti,
Email: bimalokpal.lucknow@cioins.co.in
Gonda, Faizabad,
Amethi,
Kaushambi,
Balrampur, Basti,
Ambedkarnagar,
Sultanpur,
Maharajgang,
Santkabirnagar,
Azamgarh,
Kushinagar,
Gorkhpur, Deoria,
Mau, Ghazipur,
Chandauli, Ballia,
Sidharathnagar.
MUMBAI
Shri Bharatkumar S. Pandya
Goa,
Office of the Insurance Ombudsman,
Mumbai
3rd Floor, Jeevan Seva Annexe,
Metropolitan
14 S. V. Road, Santacruz (W),
Region Excluding
Mumbai ­ 400 054.
( Navi Mumbai &
Tel.: 022 ­ 26106552 / 26106960
Thane).
Fax: 022 ­ 26106052
Email: bimalokpal.mumbai@cioins.co.in
State of
Uttaranchal and
the following
Districts of
Uttar Pradesh:
Agra, Aligarh,
Bagpat, Bareilly,
NOIDA
Bijnor, Budaun,
Shri Chandra Shekhar Prasad,
 Metropolitan
14 S. V. Road, Santacruz (W),
Region Excluding
Mumbai ­ 400 054.
( Navi Mumbai &
Tel.: 022 ­ 26106552 / 26106960
Thane).
Fax: 022 ­ 26106052
Email: bimalokpal.mumbai@cioins.co.in
State of
Uttaranchal and
ICICI Lombard General Insurance Company LTD
ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
the following
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025
Districts of
Uttar Pradesh:
Agra, Aligarh,
Bagpat, Bareilly,
NOIDA
Bijnor, Budaun,
Shri Chandra Shekhar Prasad,
Bulandshehar,
Office of the Insurance Ombudsman,
Etah, Kanooj,
Bhagwan Sahai Palace 4th Floor,
Mainpuri,
15 Main Road, Naya Bans, Sector 15,
Mathura, Meerut,
Distt: Gautam Buddh Nagar,
Moradabad,
U.P­201301.
Muzaffarnagar,
Tel.: 2514252 / 2514253
Oraiyya, Pilibhit,
Email: bimalokpal.noida@cioins.co.in
Etawah,
Farrukhabad,
Firozbad,
Gautambodhanagar,
Ghaziabad,
Hardoi,
Shahjahanpur
PATNA
Shri N. K Singh
Office of the Insurance Ombudsman,
1st Floor,Kalpana Arcade Building,
16 Bihar, Jharkhand.
Bazar Samiti Road, Bahadurpur,
Patna 800 006.
Tel.: 0612­2680952
Email: bimalokpal.patna@cioins.co.in
PUNE
Shri Vinay Sah
Maharashtra,
Office of the Insurance Ombudsman,
Area of Navi
Jeevan Darshan Bldg.,
Mumbai and
3rd Floor,
17 Thane (excluding
C.T.S. No.s. 195 to 198, N.C.
Mumbai
Kelkar Road, Narayan Peth,
Metropolitan
Pune ­ 411 030.
Region).
Tel.: 020­41312555
Email: bimalokpal.pune@cioins.co.in

The updated details of Insurance Ombudsman are available on IRDA website:www.irdaindia.org , on the
website of General Insurance Council:www.generalinsurancecouncil.org.in, website of the Company
www.icicilombard.com or from any of the offices of the Company

Communicable Disease Exclusion [Clause]

1.Notwithstanding any provision, clause or term of this [insurance Contract] to the contrary, this [insurance Contract] excludes any
loss, cost, damage, liability, claim, fines, penalty or expense or any other amount of whatsoever nature, whether directly or
indirectly and/or in whole or in part, related to, caused by, contributed to by, resulting from, as a result of, as a consequence of,
attributable to, arising out of, arising under, in connection with, or in any way involving (this includes all other terms commonly used
and/or understood to reflect or describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease and/or the actual
or alleged transmission of a Communicable Disease regardless of any other cause or event contributing and/ or occurring
concurrently or in any sequence thereto, and
1.2 a pandemic or epidemic, as declared by the World Health Organisation or any governmental authority.
2.As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any
The updated details of Insurance Ombudsman are available on IRDA website:www.irdaindia.org , on the
website of General Insurance Council:www.generalinsurancecouncil.org.in, website of the Company
www.icicilombard.com or from any of the offices of the Company

ICICI Lombard General Insurance Company LTD

ICICI LOMBARD HOUSE, 414, Veer Savarkar Marg,
Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

Communicable Disease Exclusion [Clause]

1.Notwithstanding any provision, clause or term of this [insurance Contract] to the contrary, this [insurance Contract] excludes any
loss, cost, damage, liability, claim, fines, penalty or expense or any other amount of whatsoever nature, whether directly or
indirectly and/or in whole or in part, related to, caused by, contributed to by, resulting from, as a result of, as a consequence of,
attributable to, arising out of, arising under, in connection with, or in any way involving (this includes all other terms commonly used
and/or understood to reflect or describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease and/or the actual
or alleged transmission of a Communicable Disease regardless of any other cause or event contributing and/ or occurring
concurrently or in any sequence thereto, and
1.2 a pandemic or epidemic, as declared by the World Health Organisation or any governmental authority.
2.As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any
infectious, contagious or communicable disease which can be caused and/or transmitted by means of substance or agent where:
2.1 the disease includes, but is not limited an illness, sickness, condition or an interruption or disorder of body functions, systems or
organs, and
2.2 the substance or agent includes, but is not limited to, a virus, bacterium, parasite, other organism or other micro­organism
(whether asymptomatic or not); including any variation or mutation thereof, whether deemed living or not, and
2.3 the method of transmission, whether direct or indirect, includes but not limited to, airborne transmission, bodily fluid
transmission, transmission through contact with human fluids, waste or the like, transmission from or to any surface or object,
solid, liquid or gas or between organisms including between humans, animals, or from any animal to any human or from any
human to any animal, and
2.4 the disease, substance or agent is such:
2.4.1 that causes or threatens damage or can cause or threaten damage to human health or human welfare, or
2.4.2 that causes or threatens damage to or can cause or threaten damage to, deterioration to, contamination of, loss of value of,
loss of marketability of or loss of use or usefulness of, tangible or intangible property.
For avoidance of doubt, Communicable Disease includes but is not limited to Coronavirus Disease 2019 (Covid ­19) and any
variation or mutation thereof.
3.For further avoidance of doubt, any contingent or other business interruption loss, cost, damage, loss of income, loss of use,
increased cost of working and/or extra expense arising out of or attributable to:
3.1 any partial or complete closure of and/or slowdown in, including but not limited to any closure by or under the advisories of
public, military, government or civil authorities, or any denial of access to insured premises, or customer and or supplier
premises (including service / utility providers), or
3.2 change in consumer behaviour, or
3.3 an absence of infected employees or employees suspected of being infected shall not be covered by this [insurance Contract].
4.For still further avoidance of doubt, loss, cost, damage, liability, claim, fines, penalty or expense or any other amount excluded
hereby, includes but is not limited to any cost to identify, clean­up, detoxify, disinfect, decontaminate, mitigate, remove, evacuate,
repair, replace, monitor, sanitize or test: (1) for a Communicable Disease or (2) any tangible or intangible property covered by this
[insurance Contract] that is affected by such Communicable Disease.
5.It is clarified that (1) no other prior, concurrent or subsequent provision, clause, term or exception of this [insurance Contract]
(including (but not limited to) any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or
exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this [insurance Contract]
by whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) any
change in the law, clause or similar provision; (3) any follow the fortunes clause or similar provision; and/or (4) no change in the
law or any regulation (to the extent permitted by applicable law), shall operate to provide any insurance, coverage or protection
under this [insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
6.If the [insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by this [insurance Contract] the
burden of proving the contrary shall rest in the [insured].
 (including (but not limited to) any prior, concurrent or subsequent endorsement and/or any provision, clause, term, buy back or
exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this [insurance Contract]
by whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) any
change in the law, clause or similar provision; (3) any follow the fortunes clause or similar provision; and/or (4) no change in the
law or any regulation (to the extent permitted by applicable law), shall operate to provide any insurance, coverage or protection
under this [insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
ICICI Lombard General Insurance Company LTD
6.If the [insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by thisHOUSE,
ICICI LOMBARD [insurance
414, VeerContract]
Savarkar Marg,the
burden of proving the contrary shall rest in the [insured]. Near Siddhi Vinayak Temple, Prabhadevi, Mumbai 400 025

ICICI Lombard General Insurance Company Limited

IRDA Reg. No. 115 CIN: L67200MH2000PLC129408
Mailing Address: Registered Office: Toll free No. : 1800 2666
401 & 402, 4th Floor, Interface 11, ICICI Lombard House, 414, Veer Savarkar Marg, Alternate No. : +9192236 22666 (chargeable)
New Linking Road, Malad (West), Near Siddhi Vinayak Temple, Prabhadevi, Email : customersupport@icicilombard.com
Mumbai ­ 400 064. Mumbai ­ 400 025. Website : www.icicilombard.com