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Retail - All Risk Insurance Policy

All Risk Policy is a product designed to cover your valuable movable equipments like laptops, mobile phones, handi-cams, jewellery, and the like which do not remain confined to your own home and are exposed not only to natural perils but also to perils such as theft, snatching, etc. Barring a few perils like Earthquake, War etc., the Policy offers very comprehensive protection against many perils including any accident or misfortune not expressly excluded.

Insured Perils

The Policy generally covers the fullowing:

  • Fire, Riot & Strike, Terrorist Activity
  • Burglary, Housebreaking, Larceny or Theft
  • Accidental loss or damage

Salient Exclusions

  • Loss or damage arising from moth, vermin, insects, mildew, wear and tear gradual deterioration, inherent defect or from any process of cleaning repairing or restoring
  • Breakage of glass, china marble, earthenware and other brittle substances unless occasioned by fire/riot/strike/terrorism and/ or in an attempted theft/house breaking
  • Over winding denting or internal damage of watches or clocks
  • Mechanical or Electrical derangement/breakdown of any article unless caused by accidental external means
  • Fire arms by rusting, bursting
  • Loss or damage occurring outside the covered geographical area
  • Earthquake or Vulcanic eruption
  • War and kindred perils
  • Nuclear Risks
  • Theft from any unattended vehicle

General Condition

  • Bill required for any item with value in excess of Rs. 1 Lac

Note: :The above are only the salient features of the Policy , for complete terms and conditions please refer to Policy Wordings.