Tata AIG Instachoice Home Insurance allows you to choose and design your own home insurance cover instantly.
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Tata AIG Instachoice Home Insurance benefits
Key features of InstaChoice Insurance
Easy and Instant
Flexible – allows you to choose the premium you want based on the quantity of coverage you choose.
Burglary cover for jewellery
Covers domestic appliances as old as eight years, making it an instant hit between homeowners as well as non-owners.
Benefits of InstaChoice Insurance
Fire and Special Perils: Protects from fires, earthquakes, floods, lightning, thunderstorms, storms, floods, cyclones, etc. It also protects against human threats such as terrorism, riots and strikes
Rent for alternative accommodation: In case the building is significantly damaged and made uninhabitable under Fire and allied dangers, it covers extra rental. This has a maximum 3-month cap of Rs.30 000.
Burglary & Theft: In case of Burglary / Theft or Attempted Burglary / Theft, it covers loss or damage to your household content. Coverage option is available on 1st loss basis.
Public Liability: Protects your customers or any third party from any harm in the home of the insured caused to them or their property.
Baggage Loss: This cover protects Accidental loss/damage/theft anywhere in India of accompanied personal baggage whilst on travel outside municipal limits of city.
Audio & Audio Visual Appliances: This is a Comprehensive cover against loss/ damage to your Audio/AV appliances at home due to fire and allied perils, Burglary/theft, Accidental external means, Mechanical and electrical breakdown, legal liability.
Breakdown of Domestic Appliances: This cover protects against Mechanical &/or Electrical Breakdown to other domestic appliances at your home.
Personal Accident: This is a family cover for compensation anywhere in the globe for the insured person's death or disability owing to accidental body injury.
Purchase Protection: This covers New Items purchased under Benefits: Fire & Burglary / Theft up to 30 days from the date of purchase.
Expenses owing to engineering charges for Architects / Surveyors and Consulting.
Loss or damage caused by act of foreign enemy, pollution, war, invasion etc.
Loss by theft during or after occurrence of any insured peril
Expenses arising due to riots, strikes and terrorist activity..
If the loss or damage occurs while the house is unoccupied, kutcha construction.
Loss of money, securities, stamps, documents, jewellery, watches, precious metals, precious stones, gold or silver ornaments, travel tickets, cheques and bank drafts are not covered.
Death; disablement or bodily Injury self-inflicted or caused by misuse of any drugs/alcohol by the insured, his family or domestic staff.