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Duly licensed Gun and identified accessories when held and used anywhere in India. Owners of the licensed guns can take this policy
WHAT CAN BE INSURED
Duly licensed Gun and identified accessories when held and used anywhere in India
WHO CAN TAKE INSURANCE
Owners of the licensed guns can take this policy
RISK COVERED AND PREMIUM RATING
RISK COVERED
Fire burglary house breaking theft or any other accident or misfortune any where in India
Legal liability of the insured arising out of use of the gun ( for third party personal injury or property damage)
Cover against W.C. liability for one domestic servant
Limited personal accident cover to the insured insured's spouse and children between 16 to 65 years
Loss or Damage to insured's property or contents out of use of the gun
PROTECTION
Loss of gun following a misfortune like fire burglary theft etc
Covers against Death or Permanent Total Disablement on account of an accident for both the insured person and his family members
Legal liability of the gun towards third party damage to property/ death/injury
PREMIUM
Premium Computation:
Premium Rate/Table
POLICY EXCLUSIONS
Loss or damage directly or indirectly caused by or contributed to by or arising from:-
Loss or damage by Burglary or Housebreaking or theft where the employees of the assured or members of the insured family is considered as principal or accessory
Loss or damage caused by cleaning or repairing or by depreciation wear and tear.
Claims arising through intentional injury/death/damage.
Any physical defect or infirmity or disease which existed prior to happening of an accident.
War nuclear group of perils.
Suicide or attempt thereat self-inflicted injuries aggravation of an accidental injury resulting from non-adherence to medical advice directions etc (discontinuing or irregular intake of medicines) or committing any unlawful act.
The insured person being under the influence of intoxicating liquor or drug.
Loss or damage caused intentionally.
Riot & Strike Terrorist Activity.
Contractual Liability.
Consequential loss.
Any Legal Liability arising from ionizing radiation or contamination by radioactivity.
