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Policy provides cover against loss of or damage to accompanied personal baggage of the insured or insured's family.
Highlights
Policy provides cover against loss of or damage to accompanied personal baggage of the insured or insured's family.
Scope
Loss or damage due to fire, theft or accident during the course of journey including stoppages en-route, anywhere in India
Exclusions
Loss or damage arising from war, civil commotion, depreciation, wear & tear
Damage to watches and clocks over winding
Damage caused by mechanical derangement or electrical breakdown
Breakage of glass articles, china clay
Theft from unattended vehicles
Detention or confiscation by customs or other authorities
Money, securities, manuscripts, deeds, bonds, bills of exchange,
promissory notes, share certificates, stamps
Articles while being worn or in actual use at the time of such loss or damage
Special Conditions
Each item of jewellery, gold ornaments, etc. is to be specifically Declared for insurance and a valuation certification should be obtained in respect of such items valued at more than Rs.5, 000/-
Where the total value of jewellery, ornaments etc. is in excess of 50% of the total value at risk, an additional premium to be charged on the value of such items.
The policy may be extended to cover riot & strike risks by charging an additional premium.
