UIIC

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Note : A brief snapshot about the policy is given.For complete information refer to policy wordings or visit our nearest branch office.

We Cover

The package cover offers protection against loss/damage to the building and its contents

Money in transit
Pedal Cycles
Plate Glass
Neon Sign & Glow sign
Baggage while on travel
Accidental injury causing death/disability

Who can be insured

Any small shopkeeper exposed to one or more of the above-named contingencies. He can choose benefits under four (minimum) or more sections. P.A Cover is offered for insured spouse and children (Age 12 - 70)

What is insured

Building and contents Fire lightning Acts of God Riot Strike and malicious damage impact damage explosion of gas in domestic appliances overflow of water tanks. Burglary House breaking and Theft.
Money in TransitLoss due to accident or misfortune
Pedal CyclesFire lightning explosion Riot Strike and Malicious Damage
Acts of God Burglary House breaking Theft external accident and also
Legal liability with a limit of Rs.10 0
Plate Glass (Fixed)Accidental breakage
Neon sign/Glow signFire Accidental damage Riot Strike and Malicious Act and or theft.
Baggage while in travelLoss due to accident or misfortune
Personal AccidentAccidental injury causing death/disablement/loss of limb total/partial

Policy will pay as per below:

If injury directly/solely causes within 12 months of its occurrence
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.10 0 Pedal Cycle section 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.

The policy will 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 Insuredâ€™s family or Insuredâ€™s employee are involved as principal/accessory
Intentional act/self injury/ influence of drug/intoxicant.

Particulars of cover liability and exclusion given above are not complete or exhaustive :
Our nearest Branch Office branch may be approached for complete details.