Do you know that as an LPG (Liquefied Petroleum Gas) consumer, you can claim insurance coverage? Are you aware of your LPG Insurance Policy? LPG consumers are protected for accidental deaths and injuries in case the gas cylinders burst.
Some newspapers have carried articles on this topic (as below), and of late these reports are being widely circulated on Social media platforms (Facebook, Whatsapp etc.,).
As per the above media reports, LPG Consumers can claim insurance coverage of up to Rs 40 Lakh, in case of any accidents. This is partly true. LPG accident victims are covered for death and accident, but the insurance coverage is not Rs 40 Lakh, as reported. Also, the oil marketing companies do not take any special insurance policy or coverage for individual LPG consumers.
Both, the LPG companies (oil companies) and the LPG Distributors (Gas agencies) take Third Party Liability Insurance. No premium is collected from the LPG customer. The LPG accident victims can claim insurance from the company and also from his/her local Gas Agency (distributor).
This third party liability policy (public liability policy) provides personal accident cover, reimburses medical expenses and covers property damage at authorized customer’s registered premises. The sum assured given to the accident victims is based on per event (accident) and per person (victim).
I did a little bit of research and found the copy of ‘Public Liability Policy’ taken by Indian Oil (Indane Gas), Bharat Petroleum (Bharat Gas) and Hindustan Petroleum (HP Gas) companies. These companies have taken the insurance policy from United Insurance Company Ltd.,
Below are the insurance coverage details;
Click on the below image to download the Public Liability Insurance Policy. (Information on ‘Claim procedure’ is also available)
The maximum ‘limit of liability‘ is as follows;
In addition to the above insurance, the LPG distributors also have third party liability insurance to cover losses, in the event of an LPG accident . I have tried to get the ‘third party insurance cover’ details from my distributor, but without much success. You may also try to get the details from your respective cooking gas distributor. If you are able to source some information, do share the details.
How to claim the insurance in case of an accident?
Procedure to be followed by the LPG customers..
Every year hundreds of LPG cylinder related accidents are reported. Oil marketing companies and Distributors pay crores of rupees as Insurance premiums. But due to lack of awareness about the LPG insurance policy, not many insurance claims happen.
Actually, Gas Agencies are supposed to display information about the LPG insurance policy on their notice boards. They should inform customers about the insurance cover. But no such measures are being taken.
So, share this information with your friends. Spread the word.
(References : mylpg.in & hindustanpetroleum.com)
This post was last modified on July 10, 2023 6:34 pm
Filing your Income Tax Return (ITR) is not just about meeting deadlines—it’s about choosing the…
Retirement planning in India is often misunderstood. Many people think any long-term savings or investment…
You’ve probably seen the same property quoted at different prices. One person says ₹60 lakh,…
Buying insurance is easy. Getting your claim settled—that’s where the real test begins. For any…
Gifting immovable property—like land, plots, or houses—is super common in India. Families often do it…
Most people believe that investing alone is enough to create wealth. But in reality, many…
This website uses cookies.
View Comments
Sir.i want the united india insurance company poicy number and the address to send notice .
Dear Gunasekaran..Kindly contact your respective LPG Gas distributor.
is it true?????????
Distributor is asking for isurence premium 75 rupees.is that vald
Dear Rajesh..No premium is collected from the LPG customer.
Kitne ka insurance hota h bhai
Sir , is their any prescribed format for claim if so I need it. Then on what basis the victims will be paid? ex. age ,income, dependants how it can be notified to company ? Can we claim as that of MACOP cases ?I want. details for claiming LPGas accident death .please assist me.
Dear Gunasekaran..As of now I do not have any template. You may take help from your LPG distributor. You can notify about the claim (if any) to your LPG distributor.
Dear Srinivash Ji,
An incident take place last week, my mother get injured by Gas and burned, then my family doctor is giving treatment at home.
Please guide me if we can file claim, if yes how ?
Dear saurav..Yes, you can claim. Kindly follow the claim procedure as given in the article.
Dear Mr.Srikanth,
Very great initiative.Please keep it up.
Still we need more and more awareness on LPG accidents.
Thanks
Ashok
Good work .....
Thanks for the great information sir.
Shreekant Ji ,
last year mere neighbour ke yaha HP Gas ka cylinder blast ho gaya that ,
because of that mere house ke 1st floor per aag (fire) lad gayi ore sab kutch damage ho gaya that .
kya mujhe es damage ka compensession mil sakta h .
Es insurance ko hum kaise claim kar sakte h .
* Cylinder neighbour ka that
* Cylinder bhi neighbour ke home per hi blast hua that.
* es blast k karan Property meri damage ho gayi
Shyam Mehta
Sonkatch
Dist- Dewas
M.P.
Dear Shyam ..Your neighbor can claim LPG insurance. You are also eligible to claim 'Third party liability insurance'from the concerned LPG distributor / LPG company.
Shreekant ji
what should i do ,,to claim the insurance
kya mujhe neighbour per civil case file karna chahiye ya LPG dealer ore distributor per Civil case karna chahiye ya teno ko party bana kar case karna chahiye
ya phir upbhoka forum mein case karna chahiye Gas company per
neighbour ne to upbhokta forum mein case file kiya hai Gas Company ke against.
pls guide.....
Dear Shyam,
Suggest you and your neighbor to approach the LPG distributor and submit insurance claim forms. When did the accident happen (date)?
Shreekant ji ,
the accident was happend on 28.4.14, in that accident Cylinder blast was happened @ my neighbour's house and
his 2 family member's got injured and get hospitalized and my house's 1st floor get burnt because of
fire .( poore floor per aag lag gayi ore sub jal gaya)
after the accident we ( me n my neighbour ) approched the distributor , same day he visited the accident place
and made us assure tht Insurence claim will be given to all of us ( to my neighbour against Hospital bill and
to me against propery damage ).
after few days the Gas company officer /insurance valuar visit the accident site ( my and neighbour's house) .
after that Distributor assures us that the papers has been submitted soon we get the claim.
after that whenever we ask the distributor / company's sales officer about claim status they said the process is
on soon we get the claim.
But 2 month's back (after 1 year and 4 months of accident) distributor told me that only neighbour's claim has
been accepted and he will get the insurance amount.my claim has been rejected by the company ,,,
now pls suggest what i have to do .......
my neighbour has not accepte the claim amount and he went forward to " Consumer Forum " ......
pls guide what should i do
Dear Shyam,
Has the police been informed about this accident? I am sure you too are eligible to claim 'Third party liability insurance'. Suggest you to approach a lawyer and get legal opinion in this matter.
good information but people need awareness.......