Products-Householder-Insurance

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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)

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 0

Personal Accident

Accidental injury causing death/disablement [total/partial]

Third Party Liability

Due to injury to third party or damage to third party property

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:

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 Insured's family or Insured'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.