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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 in for you?
THERE ARE ADDITIONAL BENEFITS FOR YOU!
Insure belongings and electronic devices against loss, fire damage, riot, strike, theft, burglary, accident, etc.- A worldwide cover
- Cashless repair facility for specific equipment
- Inbuilt cover for 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.
How Can I Purchase All Risk Policy?
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
Pay and get your policy
Now pay the premium and get your policy in your inbox!
What happens after purchase?
Once you have purchased the policy, you will receive the following-
Policy Schedule
You will receive the policy schedule. It contains details of the cover of your policy. It also contains details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc. in this policy.
Premium Receipt
You will receive the receipt of the premium amount you have paid to purchase this policy.
Policy Coverage and Terms & Conditions
This document contains important details of the policy cover. Please read the policy wordings for full details about the terms and conditions.
Claim Form
You can submit your claim online or fill out and submit this form to your nearest branch. You can also email the claim form to us.
Complaint/Feedback Form
If you have any complaints/feedback, you can fill in the form and submit it to the nearest branch. You can also email the form to us.
Grievance Redressal
If you are unsatisfied with our response to your complaint, you can approach the Insurance Ombudsman. This form tells you the process of approaching the ombudsman, along with their addresses.
What is the claim process?
Our claim settlement process is fast and relaible.
Give us a notice of the loss
Inform the respective authorities about how the item got lost or damaged.
Fill out the claim form and make true and full disclosure.
Submit all documents supporting the claim
Provide complete cooperation for the inspection and investigation of the claim
FAQs - Frequently Asked Questions
With the All Risk Policy, you can protect portable electronic devices like-
Mobile- Tablet
- Laptop
- Camera
- Projector , etc.
Yes. You can pay an extra premium to get an optional Sabotage and Terrorism Cover Endorsement (Material Damage Only) with GC All Risk.
- For partial loss- Reinstatement or repair cost
- For total loss/BER (Beyond Economic Repair)- Market value of the insured item
- If the value of the item is greater than the sum insured, you will have to bear the difference cost yourself
Follow these steps to make a claim under the All Risk Policy - Commercial - Commercial - Commercial-
- Give us a notice of the loss
- Inform the respective authorities about how the item got lost or damaged
- Fill out the claim form
- Submit all relevant documents
- Provide complete cooperation for the inspection and investigation of the claim
After making a claim, you must present the following documents for the verification and payment-
- Duly Filled and Signed Claim form
- Vouchers/ proof of ownership and other evidence to prove the claim
- Estimate of loss/repairs
- Invoice/ Bills/Receipts
- Fire Brigade Report, wherever applicable
- FIR Police Panchanama
- Valuation Report, wherever applicable
- Photographs, if taken by the Insured
- Original Warranty booklet having customer signature
- Any other details/documents called for a specific loss
You can call on our 24 hours call centre on 1800 103 8889 or Fax on 1800 103 9998. Or mail us at GCIH@generalicentral.com.
Download documents
PRODUCT NAME: All Risk Policy | UIN NO: IRDAN132RPMS0001V02200809 | LAUNCH DATE: 24TH OCTCOBER 2024
