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Exclusive 15% discount on online purchase
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What is All Risk Policy?
We understand you have several valuables that deserve to be insured too. This is why we designed our ‘All Risk Policy' cover to help you secure all your personal portable equipment, home appliances, jewellery, antiques, fine arts & collectables on an all-risk basis.
Why buy All Risk Policy for Personal Portable Gadgets and Personal Belongings?
Our All Risk Policy plan helps you cover portable electronic devices like mobiles, tablets, laptops, cameras, projectors, etc. and personal belongings like spectacles, wristwatches, handbags, wallets, etc. at a premium starting at as low as Rs. 100. When you buy the plan, you will receive a worldwide cover including electrical and mechanical breakdown.
What is covered?
INCLUDED
Projector
Laptops
Mobiles
iPads
Digital Wrist Watch
Camera
Microphone
Bluetooth Headphones
Tablets / Notebook Computers
Digital Pen
Musical Instruments
AR & VR Headsets
Handbags
Wallets
Spectacles
Add on covers
You can pay an additional premium to get the following optional covers:
Sabotage and Terrorism Cover Endorsement (Material Damage Only)
Rent for hiring alternate equipment (Max for 30 days)-applicable for cameras only
What is not covered?
NOT INCLUDED
Loss or damage caused by delay, detention or confiscation by customs or other governmental authorities
An unexplained or mysterious disappearance of the insured item
Loss or damage caused by aridity, humidity, exposure to light or extremes of temperature
Aesthetic damages which do not affect the functioning of the property like dents, scratches, broken plastic on ports and antennas, etc.
- Loss or damage caused by war, warlike operations, an act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation, arrest restraints and detainment by the order of any government or any other authority
You can pick any one of these 4 categories
Personal portable gadgets and belongings
Basis of sum insured would be replacement value of such items, as mentioned in the schedule. The coverage is on worldwide basis including electrical & mechanical breakdown on covered property.
Home appliances
Basis of sum insured would be replacement value of such items, as mentioned in the schedule. The coverage is within anywhere in india basis including electrical & mechanical breakdown on covered property.
Jewellery and precious items
Basis of sum insured would be agreed value or market value basis, as mentioned in the schedule. It is covered anywhere in india including bank locker / while worn by the insured or their family members. The same can be extended to worldwide if required.
Antiques, fine art & collectables
Basis of sum insured would be on agreed value basis. It is covered anywhere in india and the same can be extended to worldwide if required.
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PRODUCT NAME: All Risk Policy | UIN NO: IRDAN132RPMS0001V02200809 | LAUNCH DATE: 24TH OCT 2024
