Risk Covered In the Insurance

   

Building & contents (excluding jewellery)
1.
Fire, lightning, earthquake, explosion of gas in domestic appliances, bursting and overflowing of water tanks, apparatus or pipes, riot and strike, burglary, housebreaking or theft. Loss or damage to money, securities, deeds, bonds, stamps, stamp collections, bullion, consumables, livestock, motor vehicles and pedal cycles are not covered by this insurance.
2.
Jewellery and valuables
Loss or damage caused by accident or misfortune whilst anywhere in India.
3.
Domestic appliances
Damage caused by mechanical or electrical breakdown.
4.
TV, music system, VCR etc.
Burglary, fire and allied perils, electrical or mechanical breakdown.
5.
Plate glass
Any accidental damage or loss.
6.
Baggage
Coverage is against being lost, destroyed or damaged by accident or by misfortune whilst travelling anywhere in India. Your baggage as well as that of your family members is covered.
7.
Personal accident
A specified sum is paid on death by accident of the insured or spouse or children. This also covers the risk of disablement, permanent or temporary.
8.
Liability to third parties

Any liability to others for compensation in respect of accidental death or bodily injury. Also covered is accidental damage to property of others caused because of negligence.