All India General Insurance Agents Association (AIGIAA)
Effective Date: 01/09/2026
The All India General Insurance Agents Association is committed to maintaining transparency and fairness in relation to payments made by members and participants through its official website and authorised payment channels.
This Cancellation and Refund Policy governs the cancellation and refund of payments made towards:
- New membership
- Membership renewal
- Registration for conferences, seminars, meetings, training programmes, workshops, and other events organised by the Association.
1. New Membership Fees
The fee paid for applying for membership of the Association shall generally be non-refundable once the membership application has been approved and the membership has been activated, subject to the provisions of this Policy.
Where a membership application is rejected by the Association after payment has been received, the applicant may be eligible for a refund of the applicable membership fee, subject to verification and any applicable deductions.
If an applicant withdraws the membership application before it is approved, the Association may consider a refund request on a case-by-case basis, after deduction of any applicable payment gateway, administrative, or processing charges.
2. Membership Renewal Fees
Membership renewal fees paid to the Association are generally non-refundable once the renewal has been processed and the membership period has commenced.
A member who chooses to discontinue, resign, or cancel membership after renewal will ordinarily not be entitled to a refund for the remaining membership period.
Any cancellation, suspension, termination, or discontinuance of membership shall be subject to the Constitution, Bye-laws, Rules, and other applicable regulations of the Association.
3. Duplicate, Excess, or Incorrect Payments
A member or applicant may request a refund in cases involving:
- Duplicate payment for the same membership or renewal;
- Multiple debits arising from a technical error;
- Excess payment made inadvertently;
- Failed transactions where an amount has been debited but the relevant service has not been successfully processed; or
- Other genuine payment errors, subject to verification by the Association.
Approved refunds will be processed in accordance with this Policy.
4. Event, Conference, Seminar and Workshop Registration
Separate cancellation terms may be announced for specific events depending on the nature of the programme and the expenses involved.
Where no separate policy has been specified for an event, the following cancellation terms shall apply:
| Time of Cancellation | Refund Eligibility |
|---|---|
| More than 15 days before the event | 100% refund, subject to applicable deductions |
| Failure to attend / No-show | No refund |
Any applicable payment gateway charges, bank charges, or other non-recoverable expenses may be deducted from the refund amount.
The Association may, at its discretion, permit a participant to transfer the registration to another eligible person instead of requesting a refund, subject to prior approval.
5. Cancellation or Postponement by the Association
If an event is cancelled by the Association, registered participants will ordinarily be offered one of the following options:
- A full refund of the event registration fee; or
- Transfer of the registration to a rescheduled or alternative event.
If an event is postponed or rescheduled, the Association may permit the participant to retain the registration for the revised date. Where appropriate, participants may also be given the option to request a refund in accordance with the terms communicated for that event.
The Association shall not ordinarily be responsible for personal travel, accommodation, or other expenses incurred by participants in connection with an event, unless otherwise specifically agreed in writing.
6. How to Request Cancellation or Refund
All cancellation or refund requests must be submitted through the Association’s official communication channels.
The request should contain the following details:
- Name of the member or applicant;
- Registered mobile number and email address;
- Membership number, where applicable;
- Event registration details, where applicable;
- Transaction or payment reference number;
- Date and amount of payment; and
- Reason for the cancellation or refund request.
The Association may request additional documents or information for verification before processing a request.
7. Refund Processing
Refund requests will be subject to verification and approval by the authorised representatives of the Association.
Once a refund is approved, the Association will endeavour to initiate the refund within 7 to 15 working days.
Refunds will normally be credited to the original mode of payment. The actual time required for the amount to be reflected in the member’s or participant’s account may depend upon the bank, card issuer, payment gateway, or other payment service provider.
8. Non-Refundable Charges
Where applicable, the following charges may be non-refundable:
- Payment gateway charges;
- Bank charges;
- Administrative or processing charges;
- Charges already incurred by the Association for an event or programme; and
- Any other non-recoverable costs specifically disclosed at the time of payment or registration.
9. Exceptional Circumstances
Requests for cancellation or refund arising from exceptional circumstances may be considered by the Association on a case-by-case basis.
The decision of the authorised committee or office-bearers of the Association regarding such requests shall be subject to the Association’s applicable Constitution, Bye-laws, Rules, and policies.
10. Modification of This Policy
The All India General Insurance Agents Association reserves the right to modify, amend, or update this Cancellation and Refund Policy from time to time.
Any revised policy will be published on the Association’s official website and shall take effect from the date specified in the updated policy.
11. Contact Information
For questions regarding cancellations or refunds, please contact:
All India General Insurance Agents Association (AIGIAA)
Email: aigiaakerala@gmail.com
Phone: +91 99470 74940
Registered Office:
1st Floor, Joseph’s Plaza,
Thammanam, Kochi – 683032,
Kerala, India.
