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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.
WHAT CAN BE INSURED
- Building
- Household Articles.
- Pedal Cycle.
- Public Liability.
- P.A.
- Jewellery & Valuables.
- Plate Glass.
- Domestic Appliances.
- TV.
- VCR.
- Computer.
- Baggage.
- WC Liability.
WHO CAN TAKE INSURANCE
- Any person in India for his building contents valuables.
WHAT CAN BE INSURED
- Building
- Household Articles.
- Pedal Cycle.
- Public Liability.
- P.A.
- Jewellery & Valuables.
- Plate Glass.
- Domestic Appliances.
- TV.
- VCR.
- Computer.
- Baggage.
- WC Liability.
WHO CAN TAKE INSURANCE
- Any person in India for his building contents valuables.
RISK COVERED
- Building and contents against fire lightning riot strikes earthquake floods.
- Burglary and housebreaking Explosion of Gas Bursting & Overflowing of water tanks impact damage.
- Jewellery and valuables against loss/ damage by accident or misfortune within India.
- Domestic appliances against mechanical or electrical breakdown.
- TV sets against all risks.
- Pedal cycles against damage by fire and allied perils and burglary.
- Personal effects / baggage lost during travel.
- Accidental damage for fixed plate glasses.
- Personal Accident cover for the insured & family members.
- Legal liability to third parties and workmen’s compensation to domestic servants.
PREMIUM
- Premium Computation:
- Premium Rate/Table
RISK COVERED
- Building and contents against fire lightning riot strikes earthquake floods.
- Burglary and housebreaking Explosion of Gas Bursting & Overflowing of water tanks impact damage.
- Jewellery and valuables against loss/ damage by accident or misfortune within India.
- Domestic appliances against mechanical or electrical breakdown.
- TV sets against all risks.
- Pedal cycles against damage by fire and allied perils and burglary.
- Personal effects / baggage lost during travel.
- Accidental damage for fixed plate glasses.
- Personal Accident cover for the insured & family members.
- Legal liability to third parties and workmen’s compensation to domestic servants.
PREMIUM
- Premium Computation:
- Premium Rate/Table
POLICY EXCLUSIONS
- Articles other than furniture exceeding 5% of the Sum Insured should be declared separately with value
- Loss or damage by Burglary/Housebreaking where employee of the insured or member of insureds family is concerned principal or accessory
- Damage due to cracking scratching of lens glass
- Loss of or damage by moth vermin or under processing of cleaning repairing etc.
- Damage due to over running excessing pressure mechanical derangement or over-winding of watches.
- Theft from car unless it is properly locked.
- Damages or breakages of glass during removal alterations.
- Loss/ damage to fragile items due to impact.
- Loss due to wilful act or negligence due to fault existing at the time of insurance.
- Manufacturing defect.
- Cost of transport to the repair shop and back.
- Loss or damage to external antenna or fittings by theft unless TV is stolen.
- Loss during installation.
- Repairing dismantling of TV where manufacturer of supplier is responsible.
- Accident or loss or damage or liability when cycle is used for hire or reward.
- War and nuclear perils.
- Wear and tear gradual deterioration/ flaws.
- Loss of valuables on account of theft from unattended vehicles.
- Willful act gross negligence.
POLICY EXCLUSIONS
- Articles other than furniture exceeding 5% of the Sum Insured should be declared separately with value
- Loss or damage by Burglary/Housebreaking where employee of the insured or member of insureds family is concerned principal or accessory
- Damage due to cracking scratching of lens glass
- Loss of or damage by moth vermin or under processing of cleaning repairing etc.
- Damage due to over running excessing pressure mechanical derangement or over-winding of watches.
- Theft from car unless it is properly locked.
- Damages or breakages of glass during removal alterations.
- Loss/ damage to fragile items due to impact.
- Loss due to wilful act or negligence due to fault existing at the time of insurance.
- Manufacturing defect.
- Cost of transport to the repair shop and back.
- Loss or damage to external antenna or fittings by theft unless TV is stolen.
- Loss during installation.
- Repairing dismantling of TV where manufacturer of supplier is responsible.
- Accident or loss or damage or liability when cycle is used for hire or reward.
- War and nuclear perils.
- Wear and tear gradual deterioration/ flaws.
- Loss of valuables on account of theft from unattended vehicles.
- Willful act gross negligence.
WHOM TO CONTACT FOR CLAIMS
A) Working Hours:
B) Holidays & Beyond working hours:
CLAIMs DOCUMENT REQUIRED
- All documents required to establish the cause and extent of loss
- Submit claim form proof of purchases repair bills if any FIR where required and any other document called for by policy issuing office.
CLAIM PROCEDURE
- Render all assistance and co-operation to the surveyor.
WHOM TO CONTACT FOR CLAIMS
A) Working Hours:
B) Holidays & Beyond working hours:
CLAIMs DOCUMENT REQUIRED
- All documents required to establish the cause and extent of loss
- Submit claim form proof of purchases repair bills if any FIR where required and any other document called for by policy issuing office.
CLAIM PROCEDURE
- Render all assistance and co-operation to the surveyor.
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.
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.
