House-Holder Policy

WHAT CAN BE INSURED
Building
Household Articles.
Pedal Cycle.
Public Liability.
P.A.
Jewellery & Valuables.
Plate Glass.
Domestic Appliances.
TV.
VCR.
Computer.
Baggage.
WC Liability.

WHO CAN TAKE INSURANCE
Any person in India for his building contents valuables.

RISK COVERED AND PREMIUM RATING

RISK COVERED
Building and contents against fire lightning riot strikes earthquake floods.

Burglary and housebreaking Explosion of Gas Bursting & Overflowing of water tanks impact damage.

Jewellery and valuables against loss/ damage by accident or misfortune within India.

Domestic appliances against mechanical or electrical breakdown.

TV sets against all risks.

Pedal cycles against damage by fire and allied perils and burglary.

Personal effects / baggage lost during travel.

Accidental damage for fixed plate glasses.

Personal Accident cover for the insured & family members.

Legal liability to third parties and workmen's compensation to domestic servants.

PREMIUM
Premium Computation:
Premium Rate/Table

POLICY EXCLUSIONS
Articles other than furniture exceeding 5% of the Sum Insured should be declared separately with value

Loss or damage by Burglary/Housebreaking where employee of the insured or member of insureds family is concerned principal or accessory

Damage due to cracking scratching of lens glass

Loss of or damage by moth vermin or under processing of cleaning repairing etc.

Damage due to over running excessing pressure mechanical derangement or over-winding of watches.

Theft from car unless it is properly locked.

Damages or breakages of glass during removal alterations.

Loss/ damage to fragile items due to impact.

Loss due to willful act or negligence due to fault existing at the time of insurance.

Manufacturing defect.

Cost of transport to the repair shop and back.

Loss or damage to external antenna or fittings by theft unless TV is stolen.

Loss during installation.

Repairing dismantling of TV where manufacturer of supplier is responsible.

Accident or loss or damage or liability when cycle is used for hire or reward.

War and nuclear perils.

Wear and tear gradual deterioration/ flaws.

Loss of valuables on account of theft from unattended vehicles.
Willful act gross negligence.