All Risk Policy

  •  About Policy 
  •    Scope Of Cover 
  •    Exclusions 

About Policy

All Risk Policy is a product designed to cover your valuable movable equipments like laptops, mobile phones, handy cams, jewelery, 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.

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Scope Of Cover

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.




  1. 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.
  2. 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 .
  3. Over winding denting or internal damage of watches or clocks
  4. Mechanical or electrical derangement/breakdown of any article unless caused by accidental external means.
  5. Fire arms by rusting, bursting
  6. Loss or damage occurring outside the geographical area stated in the schedule.
  7. Terrorism damage.
  8. War and kindred perils
  9. Nuclear risks.
  10. Theft from any unattended vehicle
  11. Consequential loss of any nature
  12. Mysterious disappearance
  13. Damage during repair, renovation or any other process like bleaching, dyeing, heating, drying etc
  14. Damage to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travellers cheques and the like

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Customer Support: 1800 266 3202

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