Domestic appliances, TV, VCR, Audio Systems, PC etc.
Baggage while on travel
Accidental injury causing death/disability
Liability to third parties
Who can be Insured ?
Any householder exposed to any of the above contingencies. Benefits under
four (minimum) or more sections can be chosen. P.A Cover available for
insured's spouse and children (Age: 12 to 70)
What is Insured ?
Cover under ten sections with option to choose minimum 4 sections for
availing discount in premium. Cover against contents is compulsory.
Building and contents :Fire, lightning, Acts of God, Riot and Strike, impact, explosion
of gas in domestic appliances, overflow of water tanks.
Burglary, House breaking and Theft.
Jewellery and Valuables - Any accidental loss/damage Plate Glass Any accidental
loss/damage
Baggage - While on travelAny accidental loss/damage
Domestic AppliancesAny accidental loss/damage entirely due to
electrical/mechanical breakdown.
TV, VCR, Audio System
Fire and allied perils, burglary, housebreaking, theft, electrical or mechanical
breakdown
Pedal cycle Fire and related perils, riot,strike, malicious damage, acts of god,
housebreaking, burglary, theft, external accident and also legal liability to
"Public" with a limit of Rs.10,000.
Due to injury to third party or damage to third party property.
What will Policy Pay and How Much ?
Actual extent of loss/damage to property under respective sections
chosen;
Sum Insured is the limit of maximum liability under respective sections;
Limit of liability to third party for Personal injury/Property damage is
upto Rs.25,000 / Rs.10,000 / Rs.3000 under TV/Pedal Cycle/TV Antenna sections respectively.
Personal Accident Section
If injury directly/solely causes within 12 months of its occurrence:
Death / loss of two limbs / eyes / Total permanent disablement : Full
Sum Insured
Loss of a hand / foot / eye / use of hand / foot : 50% Sum Insured
Specified Percentage (%) of Sum Insured in other cases of permanent
disablement [partial]
Weekly benefits (Rs.3000/- max.) upto 100 weeks payable for Temporary Total Disability.
What will Policy not
Pay ?
Loss/damage due to :
War and war like perils
Wear and tear, depreciation, consequential
loss
Nuclear group of perils
Gross and wilful negligence of Insured
Violation of policy conditions
Loss/damage/liability where Insured's family
or Insured's employee are involved as principal/accessory
Intentional act/self injury/ influence of
drug/intoxicant.
Note
Particulars of cover, liability and
exclusion given above are not complete or exhaustive.
Our nearest branch office may be approached for complete
details.
Compact Policy