Preamble

W E A T H E R  I N S U R A N C E  P O L I C Y

Royal Sundaram Alliance Insurance Co. Ltd.(“the Company/We/Our/Us”), having received a Proposal and the premium from the Proposer (“You/Yours”) named in the Part I of the Schedule referred to herein below, 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.

Scope of Cover
We hereby agree, subject to the terms, conditions and exclusions herein contained, or otherwise expressed herein, to compensate You, in the manner specified in the Schedule, against any significant deviation in the specified Weather Index as stated therein, within the specified geographical location and specified time period, subject to a maximum of the Sum Insured stated in the Schedule of this Policy.

General Definitions

1.   Proposal:
It means any signed Proposal by filling up the questionnaires and declarations, written statements and any information in addition thereto supplied to Us by You or on Your behalf.

2.   Policy  :
It means the Policy wording, the Schedule and any applicable Endorsement or memoranda. Your Policy contains the details of the extent of cover available to You, what is excluded from the cover and the conditions, warranties and provisions on which the Policy is issued.

3.   Schedule:
It means the latest Schedule issued by Us as part of Your Policy. It provides details of the level of cover You have.

4.   Endorsement
It means any alteration made to the Policy which has been agreed to by Us in writing.

5.   Sum Insured:
It means the monetary amount of coverage mentioned in the Schedule of the Policy. This is the maximum amount that the Company will pay for each and every claim, and in all, under this Policy.

6.   Insured Person:
It means the persons who are incorporated in the Schedule for the purpose of insurance coverage.

7.   Exclusion:
It means the damages/perils/properties/contingencies which are not covered under the Policy and for which We have no liability in the event of loss occurrence.

8.   Policy Period:
It means the period commencing from the effective date and hour as shown in the Policy
Schedule and terminating at midnight on the expiry date as shown in the Schedule.

9.   IMD
It means the Indian Meteorological Department, Government of India including its network of Regional Meteorological Centres, Meteorological Centres and Observatories and other such Weather  Stations  (conforming  to  IMD  norms)  which  collaborate  with  IMD  in  observing, recording and storing weather data.

10. “Weather Index” shall mean the mathematical concept on the basis of which Policy is issued.
Weather Index would be constructed with any one or a combination of the following weather parameters (this will be specified for each individual Policy under section “Coverage Details” in Schedule I):
1.  Rainfall
2.  Temperature
3.  Humidity
4.  Fog
5.  Wind Velocity
6.  Hailstorm
7.  Any other weather parameters that is measureable

11. Reference Weather Station:
It means the primary weather station as specified in the Schedule, the weather data of which would be utilised to compute the Observed Weather Index during the Policy Period for the purpose of claims calculation and settlement under the policy.

12. Backup Weather Station:
It means the secondary Weather Station as defined in the Schedule, the weather data of which
shall act as a substitute for the Missing Data, if any, of the Reference Weather Station.

13. Missing Data
It shall mean the specified weather data for any particular period or sub-period which has officially been reported by the authorized data provider as not recorded or not available or wrongly recorded.

14. Notional
It shall mean the agreed amount, which shall be paid as compensation to the Insured per unit deviation in Weather Index (To be specified for each Policy under section “Coverage Details” in Schedule I).

15. Observed Weather Index shall mean the observed value of the Weather Index based on Actual Weather Data of the cover period, which observed value will be used for determining the claims amount, during the Period of Insurance.

16. Actual Weather Data:
It shall mean the weather data of Reference Weather Station or Backup Weather Station as the case may be, for the Policy Period as obtained from the authorized data provider.

17. Authorized Data Provider
Authorized  data  provider  is  agency  whose  has  installed  the  Reference  or  Backup  Weather Station and has been authorized to provide data for the same for the purpose of calculation and settlement of the claim.

18. Claim Trigger:
It shall mean the threshold value of the Weather Index, as defined in the Schedule, beyond which a claim will first become payable under the Policy as per the Claim Payout Table specified in the Schedule.

GENERAL CONDITIONS

1.    Notice
You will give every notice and communication in writing to Our office through which this insurance is effected.

2.    Mis description
This Policy  shall be void and all premium paid by You to Us shall be forfeited in the event of misrepresentation, misdescription, concealment or non disclosure of any material information.

3.   Changes in Circumstances
You must inform Us, as soon as reasonably possible, of any change in information You have provided to Us about Yourself, Your landholding etc. In case of such alteration or changes made and not accepted by Us in writing, all covers under this Policy shall cease.

4.    Fraud
If a claim is fraudulent on account of fraudulent means or actions used by You, all benefits and rights under the Policy shall be forfeited ab-initio.

5.   Contribution
If at the time of the happening of any loss or damage covered by this Policy, there shall be existing any other insurance of any nature whatsoever covering the same, whether effected by the Insured or not, then the Company shall not be liable to pay or contribute more than its rateable proportion of any loss or damage.

6.    Cancellation
On grounds of mis-representation, fraud, non-disclosure of material facts or non-cooperation of the insured, we may cancel this Policy by sending 15 days notice in writing by Regd. A.D. to You at Your last known address.  You will then be entitled to a pro rata refund of premium for the unexpired period of this Policy from the date of cancellation, which we are liable to repay on demand.

You may cancel this Policy by sending written Notice to Us. We will then allow a refund after retaining the premium based on the following Short Period scale.

Cancellation Period	Refund	
Within One Week of inception of cover	25% of premium	
Beyond One Week of inception of cover	Nil	

7.    Arbitration
If any dispute or difference shall arise as to the quantum to be paid under the Policy (liability being otherwise admitted) such difference shall independently of all other questions be referred to the decision of the sole arbitrator to be appointed in writing by the parties to or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be referred to a panel of 3 arbitrators, comprising of 2 arbitrators, 1 to be appointed by

each of the parties to the dispute/difference and the 3rd arbitrator to be appointed by 2 such
arbitrators and arbitration shall be conducted under and in accordance with the provisions of the Arbitration and Conciliation Act, 1996

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided, if the Company has disputed or not accepted liability under or in respect of this Policy.

It is understood, however, that the Insured shall have the right at all times during currency of the Policy to communicate only with the leading or issuing office in all matters pertaining to this insurance.

8.   Grievances
In  case  the  Insured  Person  is  aggrieved  in  any  way,  the  Insured  Person  may  contact  the Company at the specified address or contact through Toll Free number during normal business hours or by E mail.
The Insured Person may approach the Insurance Ombudsman, within whose jurisdiction the
branch or office of Royal Sundaram Alliance Insurance Company Limited is located for the following grievances:
•	Any repudiation of claims by the Company.
•	Any dispute regard to premium paid or payable in terms of the policy.
•		Any dispute on the legal construction of the policies in so far as such disputes relate to claims.
•	Delay in settlement of claims.
•	Non-issue of any insurance document to customer after receipt of the premium.
•	Any other grievance, apart from the above mentioned.

The complaint by an aggrieved person has to be in writing, and before lodging a complaint:

i) the complainant should have made a representation to the insurer named in the complaint and the Royal Sundaram Alliance Insurance company limited either should have rejected the complaint or the complainant have not received any reply within a period of one month after the concerned Royal Sundaram Alliance Insurance company limited has received his complaint or he is not satisfied with the reply of the Royal Sundaram Alliance Insurance company limited.

ii) The complaint is not made later than one year after the Royal Sundaram Alliance Insurance
Company limited had replied.

iii) The same complaint on the subject should not be pending with before any court, consumer forum or arbitrator.

The Insurance Ombudsman’s offices are located at Ahmedabad, Bhubaneshwar, Bhopal, Chandigarh, Chennai, Guwahati, Kochi, Kolkatta, Lucknow, Hyderabad, Mumbai and Delhi.

9.    Disclaimer Clause
If We shall disclaim Our liability in any claim and such claim shall not have been made the subject matter of suit in a Court of Law within 12 months from the date of disclaimer, then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable under this Policy .

10. Protection of Policy Holder’s Interest
In the event of a claim, if the same is found admissible under the Policy, We shall make an offer of settlement or convey the rejection of the claim within 30 days of receipt of all relevant documents and Investigation/ Assessment Report (if required). In case the claim is admitted, the claim proceeds shall be paid within 7 days of Your acceptance of Our offer.

11. Substitution of Missing Data
In the event that the IMD or any other reliable third party data provider reports Missing Data in respect of the reference Weather data for particular day(s) in a Sub-period for the Primary Weather Station, then the Missing Data for such day(s) will be substituted by the reference Weather data of the Alternate Weather Station for the same calendar day(s).

GENERAL WARRANTIES

It is warranted that:

1.   Our liability in respect of the coverage under this Policy shall not exceed the Sum Insured set against each Insured Person in the Schedule.

2.   During the Policy Period, the Insured Person(s) should possess all legal ownership rights with regard to the agricultural land and crop cultivated as specified in the Schedule to the Policy. You shall provide to Us such title deeds and other documents as may be required by Us for verification of the Insured Person’s ownership of the agricultural land. The due observance and fulfillment of the above shall be a condition precedent for settlement of any claim under this Policy.

GENERAL EXCLUSIONS

We will not pay for

1.    War Risk
Loss as a consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, civil commotion, loot or pillage in connection therewith.

2.    Nuclear Risk
Any loss to property, consequential loss, legal liability or bodily injury, illness, disease directly or indirectly caused by or contributed to or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear

fuel or the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or
nuclear component.

3.    Consequential Loss
Consequential loss of any kind or description.

4.    Expenses Incurred
Any expenses whatsoever incurred by an Insured Person in connection with or in respect of any loss, howsoever caused, even if such loss results in diminished agricultural output/yield.

CLAIM PROCEDURE AND REQUIREMENTS

Claim Control

We are entitled to

1.   Enter and examine any insured area where claim event has occured

2.   Receive  all  necessary  information,  proof  of  landholding,  crop  sowing  etc  and  necessary assistance from You and/or any other Insured Person seeking benefit under this Policy.

The powers conferred by this Condition shall be exercisable by Us at any time until notice in writing is given by You that You or any Insured Person is making no claim under the Policy; or if any claim has been made, until such claim is finally determined or withdrawn. We shall not by any act done in the exercise or purported exercise of the aforesaid powers, incur any liability to You or any Insured Person or diminish Our rights to rely upon any of the provisions of this Policy in answer to any claim.

If You or any Insured person shall not comply with Our requirement or shall hinder or obstruct Us in the exercise of the aforesaid powers, all benefits under the Policy shall be forfeited at Our option.

Duties of Insured/ Insured Person
The company will publish the weather data within 15 days of receiving certified data. In the event of claim triggering, Company would make announcement on claims eligible and settle the claim after collecting the claim form and discharge voucher from the insured.

Insured can also obtain the weather data from the company or from designated data provider and raise claim under the Policy, Insured Person shall deliver to Us duly filled Claim Form and any other material particular relevant to the making of the claim.
This submission should be irrespective of the date on which the event shall have come to Your/Insured
Person’s knowledge, but should not be later than 90 days from the expiry date of the Policy.

Claim Assessment
Insofar as it relates to loss or damage to the interest insured in regard to which You or the Insured Person shall make a claim under this Policy, the basis upon which We shall assess the loss shall be as follows:

This insurance shall respond in the event that in the Geographical Location and during the Policy Period
specified in Schedule to this Policy, there is a deviation in the Weather Index to an extent that there is an operation of the Claim Trigger. The benefit payable to You shall be as per the payout defined in the Claim Payout Table specified in the Schedule, subject to a maximum of the Sum Insured specified in the Schedule hereto.