Burglary & Theft
- First Rs.250/- from each and every claim
- Loss when your home is unoccupied for a period more than 30 days
- Loss of money, valuables, credit cards, motor vehicles etc
- Property purchased subsequent to inception of the policy
- Use of drugs or alcohol
- Suicide / attempted suicide or self injury
- Dangerous activities
- Aircraft travel (excluding one as fare paying passenger)
- Illegal acts
- Insanity and pregnancy
- STD and Pre-existing diseases
- Cracking, scratching, breakage of items of brittle nature unless mode of transport is accidental
- Items being sent under freight contract Loose items (clothing etc), Money, jewellery, valuables etc.
- Loss to electrical items due to misuse, short circuit etc.
- Baggage unattended by Insured/family
- Loss due to rats, insects, leakage/spillage of liquids etc.
- Loss from car unless lost from enclosed and secured car
- More than the sole value of an item forming part of a set or pair
- First Rs.250/- of each and every claim
Liabilities arising out of Occupation or business, trade, employment Voluntarily assumed liability
Animals, vehicles Structural alterations, repairs or decorations to your home