All-Risk-Policy

WHAT CAN BE INSURED
Valuables like
Binoculars
Cameras
Gold and Silver ornaments
Jewellery
Trinkets
Watches etc. at any location.
Clothing
Personal effects
Household articles are also covered within the geographical limits mentioned; they are covered whether in house office hotel road or elsewhere within the geographical limits specified in the policy.

Who can take insurance?
Any person having any of the above mentioned properties which are at risk.

[B]RISK COVERED AND PREMIUM RATING
This type of insurance covers any loss or damages to the articles mentioned in 'What can be insured' on account of any

Accident
Fire
Riot and Strike
Robbery/theft
Any fortuitous cause.

PREMIUM
A) Premium Computation
B) Premium Rate/Table

POLICY EXCLUSIONS
The policy does not cover loss or damage arising from:

War war like operations Nuclear group of perils

Cracking scratching or breakage of glass and articles of a fragile nature unless such loss or damage arises from accident to vessel train vehicles or aircraft by which such property is being conveyed.

Depreciation Wear and tear moth mildew vermin any process of cleaning dyeing

Mechanical derangement or over-winding of watches and clocks

Electrical or mechanical breakdown

Consequential loss loss/damage to property carried under contract

Articles of consumable nature

Loss of or damage to any property whilst being conveyed by any carrier under contract.

Theft from not fully enclosed/locked cars

Any special value attached to any item as part of a set or pair

Loss of cash securities documents business books

Nuclear Risk

Articles which did not form part of contents of any of the packages when the journey commenced unless specifically declared and accepted.

Any personal/household item exceeding 5% of sum insured (unless specially declared) For full details please refer to the concerned policy.