Householder Insurance

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 travel Any accidental loss/damage

Domestic Appliances Any 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

WHAT WILL POLICY PAT AND HOW MUCH

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 up to 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.

WHAT IS NOT INSURED

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 willful 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.