We Cover

Any loss/damage to -

1. Building and its contents
2. Jewellery and valuables
3. Domestic appliances, TV, VCR, Audio Systems, PC etc.
4. Baggage while on travel
5. Accidental injury causing death/disability
6. 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.10,000.

Personal Accident
Accidental injury causing death/disablement [total/partial]

Third Party Liability
Due to injury to third party or damage to third party property.

What will Policy Pay and How Much ?

• 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.25,000 / Rs.10,000 / 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.

What will Policy 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.

Note :-
Particulars of cover, liability and exclusion given above are not complete or exhaustive.
Our nearest branch office may be approached for complete details.