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All risk Insurance

All Risks Policy for Portable Equipments

All Risks Insurance generally forms a part of our package policy. It offers an overall solution to cover portable items like laptops, mobiles, cameras and projectors.

Salient features

  • Flexible Cover Can be varied to suit the needs of the client
  • Cover is wide covering fire, burglary & accidental external means
  • Variable excess can be given according to the needs of client
  • Premium rates are flexible according to the quality of risk and value covered
  • Worldwide cover can be given

Principal Exclusions

Loss damage or destructions directly/ indirectly attributable to:
  • Actions of moth, vermin, mildew, wear and tear or repairs, dyeing or leaching  processes or any gradually operating cause
  • Mere breaking/ scratching or cracking of fragile items unless caused by accident to the means of conveyance
  • Any mechanical or electrical breakdown/derangement except due to accidental external means
  • Over winding, denting or internal damage to watches or clocks
  • Thefts from cars except fully closed saloons
  • Consequential losses, any legal liability
  • War perils, nuclear risks, any government/ local authority action
  • Any loss due to insured's action which has contributed to increase in risk
  • Extra cover available on payment of additional premium

On payment of additional premium mechanical and/ or electrical/ electronic breakdown extension can be offered.

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