RISK COVERED

• Fire burglary house breaking theft or any other accident or misfortune any where in India
• Legal liability of the insured arising out of use of the gun ( for third party personal injury or property damage)
• Cover against W.C. liability for one domestic servant
• Limited personal accident cover to the insured insured’s spouse and children between 16 to 65 years
• Loss or Damage to insured’s property or contents out of use of the gun

PROTECTION

• Loss of gun following a misfortune like fire burglary theft etc
• Covers against Death or Permanent Total Disablement on account of an accident for both the insured person and his family members
• Legal liability of the gun towards third party damage to property/ death/injury

PREMIUM

• Premium Computation:
• Premium Rate/Table

POLICY EXCLUSIONS

Loss or damage directly or indirectly caused by or contributed to by or arising from:-

• Loss or damage by Burglary or Housebreaking or theft where the employees of the assured or members of the insured family is considered as principal or accessory
• Loss or damage caused by cleaning or repairing or by depreciation wear and tear.
• Claims arising through intentional injury/death/damage.
• Any physical defect or infirmity or disease which existed prior to happening of an accident.
• War nuclear group of perils.
• Suicide or attempt thereat self-inflicted injuries aggravation of an accidental injury resulting from non-adherence to medical advice directions etc (discontinuing or irregular intake of medicines) or committing any unlawful act.
• The insured person being under the influence of intoxicating liquor or drug.
• Loss or damage caused intentionally.
• Riot & Strike Terrorist Activity.
• Contractual Liability.
• Consequential loss.
• Any Legal Liability arising from ionizing radiation or contamination by radioactivity.

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 in case of personal accident /loss of baggage
• Death certificate in case of death
• Doctor’s certificate in case of disability
• Documents to substantiate the cause and quantum of loss
• Any other document required by the policy issuing office in proof of loss/quantum

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.