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Section 8:
Personal Accident Cover provides protection to you and your family members against accidental bodily injury leading to disablement (either permanent or temporary) or death.
Section 9:
Loan Payment Protection Cover provides coverage for repayment of equated monthly installments for loans against various assets such as home, vehicle, consumer durables etc. belonging to you or your family in case of total disability of the insured person due to sickness or injury upto a maximum period of 12 months.
Section 10:
Baggage Cover provides protection to your baggage during journey against accidental loss or damage.
Section 11:
Liability Cover
1. Public Liability Cover provides protection against liability to general public for accidental death, bodily injury or property damage caused to them.
2. Workmen´s Compensation Cover provides protection against legal liability to your employees for any injury or death arising out of and in course of employment.
3. Tenant´s legal liability Cover provides protection against your legal liability as a tenant under Tenancy Agreement to your landlord for damage to building, electrical installations etc. of your home due to perils covered under Fire and Burglary Sections of the Policy.
Section 12:
Increased Living Expenses Cover provides protection against costs incurred by you following damage to your home by perils under Section 1leading to inhabitability of your home. Some of the costs are evacuation costs, emergency accommodation at hotel, cost of removal of home contents etc.
Exclusions
Apart from the specific exclusions applicable to different Sections of the Policy, some of the general exclusions are:
• Depreciation or deterioration and wear and tear
• Pollution and Contamination
• War and Nuclear perils
• Damage resulting from an order of Government Authority
Please note
• A minimum of 5 out of 12 Sections have to be covered with Section 1 being compulsory.
• Discount in Premium is available for Option of coverage of 6 or more Sections.
Claim
• You should give immediate notice to us and also arrange within 14 days to submit to us the full details of your claim in respect of loss or damage sustained.
• You should also tender to us and/or the Surveyor deputed all reasonable information, assistance and proofs in connection with any claim.
Documents required for settlement of claims:
• Claim Form, Books of Accounts
• Police Report, Fire Brigade Report
• Survey Report
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