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Scope of cover

The insurance policy broadly covers loss and/or damage by burglary, housebreaking (theft following upon actual, forcible and violent entry of and/or exit from the premises) including hold-up risk and damage caused to premises. For further details please refer to the policy wordings.

code: Misc 02

More Details


Sum insured

Sum insured stands reduced by amount of claim paid. However, sum insured can be reinstated on payment of additional premium.

Premium

The rate of premium depends on situation of risk, nature of stocks, security measures and past claims experience.

Significant exclusions

The insurance policy does not cover loss and/or damage arising out of war, riot, strike, civil commotion, terrorism and by use of keys to safe.

Special features

  • Stocks frequently fluctuating in value can be insured on declaration basis.
  • Stocks can be insured on 'First Loss' basis.

Main extension

  • Theft
  • Riots, strikes and terrorist damage