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

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 Insured's family or Insured's employee are involved as principal/accessory
• Intentional act/self injury/ influence of drug/intoxicant.

Policy will pay as per below:

• 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 0 / Rs.10 0 / Rs.3000 under TV/Pedal Cycle/TV Antenna sections respectively.

Personal Accident Section

If injury directly/solely causes within 12 months of its occurrence:

We Cover

Any loss/damage to

• Building and its contents

• Jewellery and valuables
• 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)