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SECTION I - PERSONAL ACCIDENT COVER
The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured a sum not exceeding the Sum Insured, unless otherwise agreed by the Company, if the Insured and /or the family of the Insured suffers death and/or permanent total disability, resulting solely and directly from accident, caused by external, violent and visible means, on the basis of assessment of claims and compliance with the claim procedure.
The cover is available for:
I - Accidental Death
EXCLUSIONS APPLICABLE TO COVER UNDER SECTION I
The Company shall not be liable to the Insured for:
(i) Payment of compensation in respect of death, injury or disablement of Insured (a) from intentional self-injury, suicide or attempted suicide; (b) whilst under the influence of intoxicating liquor or drugs; (c) whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world. “Standard type of aircraft” means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of whether such an aircraft is privately owned or chartered or operated by a regular airline or whether such an aircraft has a single engine or multiengine; or Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft, or schedules Airlines.
(ii) Payment of compensation in respect of death, injury or disablement of Insured Person (a) from Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorised vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which the Insured is untrained, unless specifically covered under the policy (d) directly or indirectly caused by venereal disease or insanity; (e) arising or resulting from the Insured committing any breach of the law with criminal intent.
(iii) Payment of compensation in respect of death, injury or disablement of the Insured due to, or arising out of, or directly or indirectly connected with or traceable to, war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kinds.
(iv)Payment of compensation in respect of death of, or bodily injury or any disease or illness to the Insured Persons:
(a) Directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.
(b) Directly or indirectly caused by or contributed to by or arising from nuclear weapon materials.
(v) Payment of compensation in respect of death or disablement resulting directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof.
(vi) Payment of compensation in respect of death of, or bodily injury or any disease or illness to the Insured while serving in any branch of the Military or Armed Forces of any country during war or warlike operations.
(viii) Payment of compensation in respect of death of, or bodily injury or any disease or illness of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of tnot-errorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of tnot-errorism. (xii) Payment of compensation in respect of Death or disablement resulting directly or indirectly when the insured is self exposing to needless peril (except in an attempt to save human life).
BASIS OF ASSESSMENT OF CLAIMS APPLICABLE TO SECTION I
SECTION II - PURCHASE PROTECTION
The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured a sum not exceeding the Sum Insured, unless otherwise agreed by the Company, in respect of loss or damage caused by specified perils (as described below) to the tangible goods purchased by the Insured through the use of the Card in accordance with the Sum(s) Insured stated in the schedule.
SPECIFIED PERILS AGAINST WHICH COVER UNDER SECTION II IS AVAILABLE
SECTION II (A) - Fire and Allied perils
NOTE: Please refer to Annexure A – Standard Fire and Allied Perils Policy for the details of the scope of coverage, exclusions and other terms and conditions of this section.
SECTION II (B) - Impact Damage due to Insured’s own vehicle.
The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to pay to the Insured a sum not exceeding the Sum Insured, unless otherwise agreed by the Company, in respect of loss or damage caused due to impact by direct contact to Insured’s Property caused by Insured’s own vehicle/s, in accordance with the Sum(s) Insured stated in the schedule.
SECTION II (C) Losses due to Burglary
The Company hereby agrees subject to the terms, conditions and exclusions herein contained or otherwise expressed herein, to compensate the Insured a sum not exceeding the Sum Insured, unless otherwise agreed by the Company, in respect of value of:
(i) Any loss of or damage to property or any part thereof whilst contained in the residential premises hereto due to Burglary or Hold-up and/or;
(ii) Damage caused to the premises to be made good by the Insured resulting from Burglary or any attempt thereof at any time during the period of insurance.
Provided always that the liability of the Company shall in no case exceed the total Sum Insured stated in Part I of the Schedule as regards item (i) and (ii) above.
EXCLUSIONS APPLICABLE TO COVER UNDER SECTION II (C)
The company will not make any payment in respect of:
(a) Loss or damage to Gold or Silver articles, watches or jewellery or precious stones or medals or coins or curios, sculptures, manuscripts, rare books, plans, models, moulds, designs, deeds, bonds, bills of exchange, bank, treasury or promissory notes, cheques, money, securities, stamps, collection of stamps, business books or papers, unless specifically agreed to by the Company and incorporated in the Policy.
(b) Loss or damage where the Insured or any resident or member of the Insured’s residential premises or his employee/s or any other person lawfully in the Insured’s residential premises is involved or has colluded, in any manner, in the actual theft or damage to any of the articles or residential premises.
(c) Theft without actual forcible and violent entry and/or exit from the residential premises.
(d) Loss or damage which is recoverable under Fire or Plate Glass Insurance Policy, if any, or any other policy.
(e) Loss or damage directly or indirectly, proximately or remotely occasioned by or which arises out of or in connection with riot and
strike, civil commotion, tnot-errorist activities.
(f) Loss or damage directly or indirectly, proximately or remotely occasioned by or which arises out of earthquake, flood, storm, cyclone or other convulsions of nature or atmospheric disturbances.
(h) Loss of money and/or other property removed or extracted from the safe within the residential premises following the use of the key to the said safe or any duplicate thereof belonging to the Insured, unless such key has been obtained by assault or violence or any threat.
CONDITIONS APPLICABLE TO COVER UNDER SECTION II (C)
In the following events, this policy shall cease to be in force and no claim shall be admissible, unless in every event, the consent of the Company to the continuance of the Policy is obtained in writing and signified on the Policy, or the Company has been duly informed and has acknowledged continuance of the Policy.
(i) If the premises shall have been left uninhabited by day and night for ten or more consecutive days and nights, any burglary occurs during the period that the premises are left uninhabited.
(ii) If the Insured shall cause or suffer any material alteration to be made in the premises or anything to be done whereby the risk is increased.
(iii) If the interest of the Insured in any property passes from the Insured otherwise than by will or operation of law.
(iv) The cover under this Section shall be available only upto 90 (ninety) days from the date of purchase of the tangible goods by the Insured.
Warranted that whenever the residence is left unattended, all doors and windows shall be properly secured and all keys for main doors shall be removed from the residence. Further, the keys of safes would be safely placed in a place other than where safe is located.
GENERAL EXCLUSIONS APPLICABLE TO THIS POLICY
The Company shall not be liable for:
- Damage directly or indirectly occasioned by or happening through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, Rebellion, revolution, insurrection, military or usurped power, confiscation, nationalisation, civil commotion or loot or pillage in connection herewith.
- Any damage arising from or in consequence of requisition by or under the order of any Public authority.
- Damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.
- Any legal liability of whatever nature, directly or indirectly caused by or contributed to by or arising from ionising radiation of or contention by radio activity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel or any weapon having nuclear components.
- Damage caused by wear and tear or depreciation.
- Loss of interest, consequential loss, delay, loss of market.
- Any Loss or damage arising out of Tnot-errorism/tnot-errorist activity is not covered under any sections of this comprehensive policy.
STANDARD FIRE AND SPECIAL PERILS INSURANCE POLICY (MATERIAL DAMAGE)
In consideration of the Insured named in the Schedule hereto having paid to ICICI Lombard General Insurance Company Limited (hereinafter called the Company) the full premium mentioned in the said schedule, the Company agrees, (Subject to the Conditions and Exclusions contained herein or endorsed or otherwise expressed hereon) that if, after payment of the premium, the Property insured described in the said Schedule or any part of such Property be destroyed or damaged by any of the perils specified hereunder, during the period of insurance named in the said schedule or of any subsequent period, in respect of which the Insured shall have paid and the Company shall have accepted the premium required for the renewal of the Policy, the Company shall pay to the Insured the value of the Property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof
Excluding destruction or damage caused to the property insured by
a) i) its own fermentation, natural heating or spontaneous combustion. ii) its undergoing any heating or drying process.
b) Burning of property insured by order of any Public Authority. II. Lightning III. Explosion/Implosion
Excluding loss, destruction of or damage a) to boilers (other than domestic boilers), economisers or other vessels, machinery or apparatus (in which steam is generated) or their contents resulting from their own explosion/implosion.
b) caused by centrifugal forces.
IV. Aircraft Damage
Loss, destruction or damage caused by Aircraft, other aerial or space devices and articles dropped therefrom excluding those caused by pressure waves.
V. Riot, Strike and Malicious Damage
Loss of or visible physical damage or destruction by external violent means directly caused to the property insured but excluding those caused by
a) total or partial cessation of work or the retardation or interruption or cessation of any process or operations or omissions of any kind.
b) Permanent or temporary dispossession resulting from confiscation, commandeering, requisition or destruction by order of the Government or any lawfully constituted Authority.
c) Permanent or temporary dispossession of any building or plant or unit of machinery resulting from the unlawful occupation by any person of such building or plant or unit or machinery or prevention of access to the same.
d) Burglary, housebreaking, theft, larceny or any such attempt or any omission of any kind of any person (whether or not such act is committed in the course of a disturbance of public peace) in any malicious act.
If the Company alleges that the loss/damage is not caused by any malicious act, the burden of proving the contrary shall be upon the insured.
Tnot-errorism Damage Exclusion Warranty:
Notwithstanding any provision to the contrary within this insurance, it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of tnot-errorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
For the purpose of this endorsement, an act of tnot-errorism means an act, including but not limited to the use of force or violence and / or the threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of tnot-errorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon the insured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
VI. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
Loss, destruction or damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. (Wherever earthquake cover is given as an “add on cover” the words “ excluding those resulting from earthquake volcanic eruption or other convulsions of nature” shall stand deleted.)
VII. Impact Damage
Loss of or visible physical damage or destruction caused to the property insured due to impact by any Rail/ Road vehicle or animal by direct contact not belonging to or owned by a) the Insured or any occupier of the premises or b) their employees while acting in the course of their employment.
VIII. Subsidence and Landslide including Rock slide
Loss, destruction or damage directly caused by Subsidence of part of the site on which the property stands or Land slide/Rock slide excluding:
a) the normal cracking, settlement or bedding down of new structures
b) the settlement or movement of made up ground
c) coastal or river erosion
d) defective design or workmanship or use of defective materials
e) demolition, construction, structural alterations or repair of any property or groundwork or excavations.
IX. Bursting and/or overflowing of Water Tanks, Apparatus and Pipes
X. Missile Testing operations
XI. Leakage from Automatic Sprinkler Installations
Excluding loss, destruction or damage caused by:
a) Repairs or alterations to the buildings or premises
b) Repairs, Removal or Extension of the Sprinkler Installation
c) Defects in construction known to the Insured.
XII. Bush Fire
Excluding loss, destruction or damage caused by Forest Fire.
Provided that the liability of the Company shall in no case exceed in respect of each item the sum expressed in the said Schedule to be insured thereon or in the whole the total Sum Insured hereby or such other sum or sums as may be substituted therefore by memorandum hereon or attached hereto signed by or on behalf of the Company.
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