All Risk Policy

All Risk Policy

Protecting your Valuables and things that matter with our All Risk Policy

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

This is a comprehensive All Risk Policy that covers Accidental Loss or Damage to your property by any unforeseen and sudden physical loss. It covers all perils except named exclusions.

However please note, while every effort is made to give you the best possible services, any loss/damage to the you will be not be covered if caused by the following: This policy does not cover liability

  • 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 geographical area stated in the schedule.
  • Terrorism damage.
  • War and kindred perils
  • Nuclear risks.
  • Theft from any unattended vehicle
  • Consequential loss of any nature
  • Mysterious disappearance
  • Damage during repair, renovation or any other process like bleaching, dyeing, heating, drying etc
  • Damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travelers cheques and the like