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Scope of cover

The insurance policy broadly covers loss of money in transit by the insured or insured's authorised employee(s) occasioned by robbery, theft or any other fortuitous cause.

Sum insured

Sum insured should represent estimated total annual amount of the money in transit.

Separate sum insured also needs to be given for the maximum amount of money held in safe and in counter. Single carrying limit, which is the company's limit of liability for any one loss, is also required to be specified in the policy.


Premium chargeable depends on single carrying limit, distance involved and security measures adopted

Significant exclusions

The insurance policy does not cover losses and /or damages due to floods, cyclones, earthquakes and other convulsions of nature, war and war like operations, civil commotion, riots and strikes and terrorist activities, shortage due to error, omission, by use of keys to safe(s) or strong room (unless such keys are obtained by force or threat), whilst being carried under contract of affreightment, theft from unattended vehicle and consequential loss.

Main extension

Riot, strike and terrorism