Scope of Cover

Householder Umbrella Insurance is a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy, a number of our standard policies usually taken by householders.

Salient Features:

• Comprehensive Coverages against various perils spread across different sections of the policy.
• Flexibility to choose & customize the policy by selecting appropriate covers.
• The Coverages are available at reasonably priced premiums.

The policy has five Sections :

Section :1

(A): Fire & Allied Perils, Building /flat

(B): Fire & Allied perils, contents

The Company will indemnify the Insured in respect of loss of or damage to the Contents/ furniture, fixture & fittings if owned by Insured whilst contained in the insured premises by Fire & Allied Perils.

Section: 2

Burglary

The Company will indemnify the Insured in respect of loss or damage to the contents whilst contained in the insured premises by Burglary and/or Housebreaking.

Section: 3

(A): T.V/Video Equipments

(B): Electronic equip/ MBD for other domestic Appliances.

The Company will indemnify the insured in respect of loss of or damage to the Television Apparatus due to:

• Fire lightning, the explosion of gas in domestic appliances.
• Bursting and overflowing of water tanks, apparatus or pipes.
• Aircraft or articles dropped therefrom.
• Earthquake fire and/or shock.
• Flood, Inundation, Typhoon, Storm, Tempest, Hurricane, Tornado and Cyclone.
• Riot, Strike, Malicious, terrorist Act.
• Burglary and/or Housebreaking.
• Accidental external means
• Mechanical or Electrical breakdown.

Section: 4

• Loss of Cash due to Assault on Insured: AOA/AOY=5000/5000
• The Company will indemnify the Insured in respect of Loss of Money in the hands of the insured.

Section: 5

Personal Accident (for insured).

The Company shall pay to the Insured or his legal personal representative(s) in case the insured sustains any bodily injury.

General Exclusions:

• Loss, damage, liability or expenses, whether direct or indirect occasioned due to War and related perils.
• Loss or damage caused by depreciation or wear and tear.
• Consequential Loss.
• Legal Liability due to radioactivity from any nuclear weapons material.