This type of insurance covers any loss or damages to the articles mentioned in 'What can be insured' on account of any

• Accident
• Fire
• Riot and Strike
• Robbery/theft
• Any fortuitous cause.

PREMIUM

A) Premium Computation
B) Premium Rate/Table

POLICY EXCLUSIONS

The policy does not cover loss or damage arising from:

• War war like operations Nuclear group of perils
• Cracking scratching or breakage of glass and articles of a fragile nature unless such loss or damage arises from accident to vessel train vehicles or aircraft by which such property is being conveyed.
• Depreciation Wear and tear moth mildew vermin any process of cleaning dyeing
• Mechanical derangement or over-winding of watches and clocks
• Electrical or mechanical breakdown
• Consequential loss loss/damage to property carried under contract
• Articles of consumable nature
• Loss of or damage to any property whilst being conveyed by any carrier under contract.
• Theft from not fully enclosed/locked cars
• Any special value attached to any item as part of a set or pair
• Loss of cash securities documents business books
• Nuclear Risk
• Articles which did not form part of contents of any of the packages when the journey commenced unless specifically declared and accepted.

Any personal/household item exceeding 5% of sum insured (unless specially declared) For full details please refer to the concerned policy.

WHOM TO CONTACT FOR CLAIMS

A) Working Hours:
B) Holidays & Beyond working hours:

CLAIMs DOCUMENT REQUIRED

• Claim form duly completed
• First Information Report lodged with the police
• Final Investigation Report of the police
• Indemnity bond wherever required
• Documentary proof for the items lost and also its value.

CLAIM PROCEDURE

• Intimate the policy issuing office or the nearest office of the company.
• Claim form and other documents as required by the Insurance Company should be furnished.

POLICY PERIOD

One Year

HOW TO RENEW A POLICY

The Policy can be renewed by approaching any Branch of United India before the date of expiry of the policy.

NOTE

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