TATA AIG Instachoice Home Insurance

Key features of InstaChoice Insurance

• Easy and Instant
• No Documentation
• 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.

Exclusions

• 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.