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Householder's 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 travelAny accidental loss/damage
- Domestic AppliancesAny 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
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 upto 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.
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 wilful 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.