accident insurance cover

8/4/2019 Accident Insurance Cover

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ACCIDENT INSURANCE COVER:

Accident InsurancePersonal AccidentSometimes even a small accident or mishap can throw your financials out of gear. Get insured to beprepared for those trying times.Accident Insurance from Royal Sundaram is a worldwide, personal accident planthat is specially designed toprotect you from the following unforeseen events - Death, Total Disability and Permanent Partial Disability.This comprehensive policy will help your family meet its financial commitments in the hour of need.

This is available for the age band between 5 to 70 years. The proposer''s age should be between 18 to 70years.

Key Benefits of Royal Sundaram Accident Insurance- Instant Coverage- No Medical Examination- Worldwide Cover- Three convenient plans to choose from Silver, Gold and Platinum- Educational Grant for 2 dependant children up to Rs. 10000/- per policy- Family discount of 10% for insuring 3 or more people in a family- Simple and easy claims process

Business InsuranceBusiness Insurance Services OnlineProtect your Business and Employees from a wide range of risks with our Business Insurance Solutions. Weoffer two types of Business Insurance Solutions: Business Solutions and Employee Solutions.We offer extensive Business Insurance Solutions like Marine Insurance, Office Insurance, Engineeringnsurance, Industrial Insurance, and Insurance for Educational Institutions aimed to protect your businessagainst loss due to theft, fire, any sudden unforeseen accidental damage. We also complement our widecoverage with advices on Risk Management and Loss Preventions

| Business Insurance - Know More >> |Employee SolutionsWe also offer Employee Insurance Solutions like Group Health Insurance, Group Accident Insurance and

Workmens Compensation. All these Insurance solutions are aimed at providing your employees withHealth Cover and protect them against the risk of sudden accidents.

| Business Insurance Employee Solutions - Know More >> |

Rural/Social InsuranceWe also provide Insurance Solutions targeted at the rural/social segment. We offer solutions specific to therural class which is aimed at protecting their health and livelihood.Rural SectorWe offer specific solutions aimed at farmers, small scale industries, village industries, small traders, andenterprises established in rural areas.

| Business Insurance Rural Sector - Know More >> |Social SectorWe offer exclusive solutions for women belonging to SHGs. These products are designed to provide healthnsurance to women and their family members at an affordable cost.

CORPORATE OFFICE ADDRESS

Royal Sundaram Alliance Insurance Company Limited

Sundaram Towers 45 & 46, Whites Road, Chennai 600 014

Tel:91-44-28517387 / 91-44-42227373

Toll Free Number:18003458899/ 9444448899Fax:91-44-28462345

Email: [email protected]

Our branches

Navi Mumbai

Navi Mumbai
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Royal Sundaram Alliance Insurance Co.Ltd

315, Arenja Corner, B wing,

3rd Floor, Sector - 17, Vashi,

Navi Mumbai - 400 709.

Tel: 91-22-27880132 / 27667635

Fax: 91-22-27880133

Individual Personal Accident InsuranceCICI Lombard Individual Personal Accident Insurance policy covers you against Accidental Death and Permanent Total DisablementPTD).This includes coverage against terrorism and acts of terrorism.

Personal Accident Insurance comes with global coverage

Policy Details

Key BenefitsCoverage against Accidental Death or Permanent Total Disablement (PTD) due to anaccident

Customised coverage that allows you to choose between 3 Lakhs, 5 Lakhs,

10 lakhs and 20 Lakhs Sum InsuredKnow more about key benefits

What is covered

Accidental Death: In case of death of the insured due to an accident within the policy period, the nominee (mentioned in the policy) iscompensated with the Sum Insured.

Know more about what is covered

What is not covered

The Company shall not be liable under this policy for:

Compensation / Claim under more than one of the categories specified in the PolicyCoverage in respect of the same period of disablement of the Insured Person.Claims arising from sickness/illness.Know more about what is not covered
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EligibilityThe minimum entry age is 18 years and the maximum entry age is 70 years (ageas on last birthday).The applicant can buy the policy for his spouse aged between 18-70 years .

Claims

n case of a claim, please follow the following procedures:

Make a claim by calling our Toll Free number - 1800 209 8888or email us at:[email protected]

Click hereto view required documentsClick hereto download claim form

Know more about claims

Points to ponder while buying a health insurance policy

Healthcare is an integral and critical concern of any household. Your family means a lot to you. Protecting your family against any untowardmedical contingency is your top priority. However, with wide array of products available in the market, taking a decision becomes difficult. Theollowing points are worth pondering over before buying a health policy.

Continue reading

Casualty Insurance

HDFC ERGOs Casualty Insurance helps companies manage a wide range of liability risks and exposuresencountered in todays business environment. Our products like Commercial General Liability, INT Errors andOmissions, and Product Liability include enhancements and coverage missing from many standard industry

policies.

Our flexible approach allows companies to tailor these products to meet their individual needs. We offer liabilityinsurance solutions and services for private and public companies, not-for-profit organisations, start-up firms andinformation and network technology companies.

The key products offered under Casualty in the Indian market are:

Commercial General Liability

General liability insurance covers a wide range of liability loss exposures faced by most organisations; it is thefoundation for most organisations liability insurance programs.
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Public Liability

For organisations that have customers or other members of the public entering their buildings, life safety duringfires is often the principal premises liability concern.

Information & Network Technology Errors & Omission

HDFC ERGO General Insurance understands the risks facing companies that operate in an environment whereinnovation is a business imperative, not a lofty goal.

Product Liability

This policy covers all sums that the insured becomes legally liable to pay as damages as a consequence ofaccidental bodily injury or property damage to third party.

Workmens Compensation

This policy is the primary method by which an employer can demonstrate the ability to satisfy the obligationsimposed by the workers compensation statutes.

Group Insurance

HDFC ERGOs Group Accident & Health Insurance helps companies identify and mitigate the risks theiremployees face. As a corporate, your employees are your biggest asset and it helps when they know you will takecare of them and their families should anything happen to them.

Our comprehensive range of group accident & health insurance products covers every risk from business travelto group personal accidents. So that you and your employees can benefit from the same and concentrate on

productivity, rather than the risks.

The key products offered under Group Accident & Health in the Indian market are:

Group Travel Insurance

Business travel is an essential part of almost every organisation. Fact is traveling in India or worldwide comes with

certain risks and responsibilities.

Group Medical Insurance

Businesses cannot function without people. With the Group Mediclaim Policy, you can provide youremployees/members the optimum cover they require.

Group Personal Accident Insurance

Expect the unexpected is a good thumb rule when it comes to most businesses.

Risk Consulting Services

Risk Management Services as an offering is along with insurance products and solutions is relatively new to the Indian General Insurance

ndustry. Risk Management has assumed importance with entry of private general insurance companies in the Indian market. Our company

has been one of the pioneers in offering this service in the Indian Insurance Market to our Corporate Clientele.

The word management can be defined in terms of organizing of activities and controlling the use of resources in such a manner as to achieve

some desired objective. For an industrial or commercial firm the objective may be to maximize profits, to increase revenue, to increase net

worth or combination of different objectives.

Risk Management as a subject concerned with the planning, arranging and controlling of activities and resources in order to minimize the

mpact of uncertain events. Risks arising out of uncertainty can be classified as production risks, marketing & distribution risks, financial risks,

personnel risks and environmental risks.

We at HDFC ERGO specialize in management of physical risks such as property damage and corresponding business interruption risks.

Several methods are used for handling of risks.

Avoidance It is the most drastic way of handling of risks. It totally restricts to go by risk having certain activities which are considered to be

risk prone. For instance, if a factory uses some flammable substance for manufacturing of a product, one could think of not producing that

product at all, so that the risk offire is avoided.
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Risk Reduction It covers all methods employed to reduce either the probability of loss producing events occurring, or potential size of

osses that do occur. This is a more positive approach of looking at risks. For instance, if a factory has a spray painting section using

lammable paints and thinners, it could look at switching to power coating.

Risk Retention Once the risks are identified and the costs of potential events are ascertained, the next stage is how to treat such risks. One

option is to keep the risk to one self, which is to pay for them out of ones own resources when they occur. This is advised where the impact of

risks are predictably small, measured accurately and do not threaten the business.

Transfer Alternative way for reduction of risk is to transfer the activities which creates the risks on to someone else instead of doing it

oneself,. For e.g. subcontracting of activities involving handling of highly flammable materials to third parties. However, the most important and

practical form of risk transfer is insurance, whereby a professional risk carrier such as a Non-Life insureris requested to carry the residual

risk at a consideration, called the premium.

At HDFC ERGO, whereas our underwriters primarily focus on Risk Transfer, our engineers with our Risk Consulting Services arm

complement our risk transfer services by Risk Reduction offering advisory services for identifying, quantifying and reducing risks whereby

he costs of risk transfer or the insurance premium is minimized.

We understand customers practical and financial limitations while recommending preventive measures. Our recommendations do not indulge

n theoretical domain. Cost benefit analysis of recommendations is always presented for clients to take informed decisions on implementation.

Risk Consulting Services

We have dedicated risk engineers from various engineering disciplines stationed various locations in India. Our Risk Engineers have

extensive experience in different lines of businesses and are trained in the latest risk management techniques by institutions in India and

abroad.

Some of the global general insurance companies who currently do not have presence in India have tied up with us to offer Risk Engineering

Services to their clients in India. Our Risk Engineering Services are compliant with recognized standards like National Fire ProtectionAssociation (US), Fire Protection Association (UK), Tariff Advisory Committee (TAC), Oil Industry Safety Directorate (OISD), Indian Standard

nstitution (ISI) etc.

We have capabilities across a wide spectrum of industries such as:

Automobile & Ancillaries

Engineering Goods

BPO / IT Industries / Call Centers

Cement

Chemical

Petrochemicals

Steel and allied Industries

Pharmaceuticals

Beverages

Food Processing

Textiles

Paper

Our services are based on an interactive approach we work closely with our clients engineers, safety officers and finance/accounts officers

o give a whole spectrum approach:

Site visit.

nteraction with on site team.

nformation collection.

On field recommendations and discussions.

Arriving on common conclusion.

Submission of recommendations to client in the form of Risk Survey Report (RSR).

Feedback on report from client.

Self appraisal based on client feedback.

Marine Hull Policy

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Who can take the Policy?

What is covered?

Scope

Exclusion

Highlights

Covers any loss or damage to ships, tankers, bulk carriers, smaller vessels, fishing boats and sailing vessels.

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Who can take the Policy?

Shipowners, charterers, Shipbuilders, bankers, financiers of Ships or vessels who have Insurable interest.

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What is covered?

All types of Oceangoing vessels

All type of Coastal/Inland vessels

Yard and pleasure Crafts Port Crafts

Shipbuilding- construction of vessel

Ship Repairers' Liabilities

Charterers Liabilities

Breaches of warranties / voyage cover

Freight- at -Risks insurance for voyages

Dredgers

Fishing vessels / Trawlers

Sailing Vessels

Jetties ( with or without cranes ), fixed pontoons/Pontoons Jetties, wharves etc.

Shipbreaking

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SCOPE OF INSURANCE COVER :

All risks relating to Vessels, Floating Dry Docks, Jetties and Shipowners' Interests including Hull & Machinery (H&M), Freight,

Disbursements, Increased Value, Premium Reducing, Excess Liabilities, Protection and Indemnity (P&I) Liabilities, Charterers'Liabilities, Charterers' Freight, Charterers' Hire and/or Disbursments, General Average Disbursments, Ship Repairers'

Liabilities, Shipbuilding Risks, Shipbreaking Risks and other allied interests of whatsoever nature required to be insured in India.

Perils / Risks

(A) The policy covers perils of the seas, rivers, lakes or other navigable waters loss/damage to theproperty insured caused by :

Fire, explosion

Stranding, sinking etc.

Overturning, derailment ( of land conveyance )

Violent theft by persons outside the vessel.

Collision

General average sacrifice, sacrifice, salvage charges

Jettisons

Piracy

Breakdown of or accident to nuclear installations or reactors

Contact with aircraft or similar objects, or objects falling therefrom, land conveyance , dock or harbour equipment or

installation.

Earthquake volcanic eruption or lightning.

Crew Negligence.


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. ExclusionsThe policy does not cover loss/ damage due to :

Deliberate damage/destruction of the vessel by wrongful act of any person

Use of any weapon of war employing atomic / nuclear fission and or fusion.

Radioactive Contamination, Chemical, Biochemical, Biological, Electromagnetic Weapons.

Insolvency or financial default of the vessel owner /operators /charterers

War / civil war, Strike, Riot or Civil Commotion

Any terrorist or person/s acting with political motive

(B) COMPREHENSIVE PORT PACKAGE POLICIES:

. Cover can be purchased by :-- Port Authorities

- Port / Terminal operators

- Private Jetty Owners

. Scope of Comprehensive covers :-- Physical Damage

- Third Party Liability

- Business Interruption

- Terrorism

- Wreck Removal

- H & M Cover for Vessels

. Exclusions :-- Confiscation, requisition, detention

- Blocking of sewers, drains

- Wear & Tear, deterioration

- Error in design, workmanship- Mechanical / Electrical Breakdown

(C) OIL & ENERGY RISK INSURNACE POLICIES :

Cover can be purchased by - Oil and Energy Industries.

Scope of Comprehensive covers -

- Offshore / Onshore constructions / Erections ( Builders Risks )

- Production / Operation Cover - Well head platform/ process platform.

- Exploratory Drilling (Offshore - Jack Up Rigs, Drilling Rigs, Semi Submersibles etc. Onshore- Fixed Land rigs, Mobile LandRigs, Work-over Land rigs)

- Seismic Survey

- Single Buoy Mooring ( SBM )

- Under water pipeline / Cable Insurance

CLAIM INTIMATION AND STEPS TO BE TAKEN BY OWNERS:

In the event of casualty likely to give rise to a claim

- Immediate notice to policy issuing office.

- Giving brief details as to name of vessel, place of occurrence, date & time of casualty, circumstances leading to incident.

- Seek appointment of surveyor to inspect and assess loss.

- In case of theft please notify police.

- In case of fire assistance of fire brigade to extinguish fire.

- Appointment of adjuster in case of Oceangoing Vessels where necessary.

- All steps to minimise loss as prudent uninsured.

DOCUMENTS ESSENTIAL :

- Certified copy of note of protest by master


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- Marine casualty form issued by M.M.D.

- Insured's report on occurrence.

- Survey Report

- Original Repair Bill, cash memo, Invoices

- Weather Report by Meteorological Dept.

- Affidavits filed by rescue vessels

- Certificate of survey for inland vessels

- Registry certificate

- Free board certificate

- Loadline certificate (where applicable )

- Status / copies of Mandatory certificates

- Notarized statements of master and chief engineer of the vessel.

- Log Book extracts (Engine & Deck )

- Crew list with details of competency certificates.

- Copy of Claim bill with supporting documents.

* Why New India for the lead mandate ?

? Superior Financial Strength - Indian Premium / Overseas Premium / Profit / Net Worth etc.

? M/s. A.M. Best (Europe) have conferred "A" Excellent Rating based on Superior Credit Position.

? New India has Largest Retention Capacity and Deductible Buy-Back in Indian Hull Market

? Overwhelming Global Presence vis-a-vis Other PSUs / Our London Office can help Liaise with Brokers & Re-insurers inPlacement and Servicing.

? Leader in Non-Life Insurance.

? More Experience of Mega-Policies useful for New India and Placements / Proves High Level of Market Confidence in our Security

and Services.

? Better Day-to-Day Liaisoning with our Head Office being in Mumbai.

? Overseas Operation in 23 Countries.

Fire Policy

Highlights

Scope

Add on covers

Who can take the policy

How to select the sum insured

How to claim

One policy covering destruction or damage to insured property.

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Highlights

Fire Insurance is governed by All India Fire Tariff effective from 31.3.2001 issued by Tariff Advisory Committee, aStatutory Body.

The Standard Fire and Special Perils Policy covers all properties on land (excluding cost of land), moveable orimmoveable, at various locations against named perils.

Special Types of Policies are designed for Stocks (declaration and floater), Building, Plant & Machinery keeping in mind

the nature of property, proposers' requirements and basis of indemnification.

Long Term Policies available for Dwellings with suitable discounts in premium.

Policy can be extended to cover certain additional perils and expenses at additional premium.

Certain perils can be deleted with discount in premium rates.

Discount in premium available for good claims experience for sum insured more than Rs. 50 crores in one location and for

installation of fire extinguishing appliances.

Concept of "one risk one rate" for all properties in an Industrial or Manufacturing Complex, for administrative convenience

of the proposer.

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Scope

Properties that are covered:

All moveable/ immoveable properties of the proposer on land (excluding those in transit) broadly categorised as follows :

i. Building (including plinth and foundations, if required):

Whether completed or in course of construction (excluding the value of land). Interiors, Partitions and Electricals.

ii. Plant & Machinery, Equipments & Accessories (including foundations, if required)

Bought Second hand.

Bought New

Obsolete Machinery

iii. Stocks:

Raw Material

Finished Goods

In process

In trade belonging to Wholesaler, Manufacturer and Retailer.

iv. Other Contents such as

Furniture, Fixtures and Fittings

Cables, Pipings

Spares, Tools and Stores

Household goods etc.

v. Specific Items such as bullion, unset precious stones, curios, work of arts, manuscripts, plans, drawings, securities,obligations or documents, stamps, coins or paper money, cheques, books of accounts, computer system records,explosives.

Special types of Policies available for Stocks:


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a. Declaration Policy :

To care care of frequent fluctuations in Stocks/ Stock Values

Minimum Sum Insured Rs. 1 crore per location.

Monthly declaration on any one of the following basis to be submitted before the last day of the succeeding

month

1. average of the highest values at risk on each day (or)

2. highest value on any day of the month.

Refund of premium, on expiry of policy, based on the average declaration upto 50% of the provisional premium.

b. Floater Policy :

to take care of frequent changes in values at various locations.

Single sum insured for all the stocks in all the locations.

Nominal premium loading to cover all the stocks in all the locations.

Perils Covered:

Fire

Lightning

Explosion / Implosion

Aircraft damage

Riot, Strike, Malicious and Terrorism damage (hereinafter called RSMTD Perils)

Storm, Tempest, Flood, Inundation, Hurricane, Cyclone, Typhoon and Tornado.

Impact by any Rail/ Road vehicle or animal

Subsidence / Landslide including rockslide.

Bursting and / or overflowing of water tanks, apparatus.

Leakage form Automatic Sprinkler Installation.

Missile Testing Operation.

Pollution or contamination resulting from any of the above perils

Any insured peril resulting from pollution and contamination.

Bush Fire

Expenses Covered:

The policy automatically covers the following expenses incurred following loss / damage / destruction of a covered property as aresult of the operation of an insured peril.

i. Architects, Surveyors and Consulting Engineers' Fees upto 3 % of the claim amount.

ii. Expenses incurred for removal of debris to clear the site upto 1 % of the claim amount.

Exclusions Applicable:

a. Losses/ Expenses not covered:

i. 5% of each and every claim subject to minimum of Rs. 10,000 resulting from Lightning, STFI and Subsidence andLandslide including Rockslide and Rs. 10,000 in respect of all other perils.

ii. Expenses incurred on Architects, Surveyors' Consultant Engineers fees and Debris Removal in excess of 3% and

1% of claim amount respectively.

iii. Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind.

b. Perils not covered:

i. War and allied perils

ii. Ionising radiations and contamination by radioactivity

iii. Pollution or Contamination


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c. Properties not covered:

i. Items like manuscripts etc. unless specifically declared.

ii. Cold storage stocks due to change of temperature.

iii. Loss / damage/ destruction of any electrical and/or electronic machine,apparatus, fixture or fitting arising from

over running, excessive pressure, short circuiting, arcing, self heating or leakage of electricity, from whatevercause including lightning.

iv. Loss / damage / destruction of Boilers, Economisers or other Vessels in which steam is generated machinery orapparatus subject to Centrifugal force, by its own explosion/ implosion.

Location of Risk:

i. The proposer shall describe all locations where the properties are built or installed or stored or kept at the inception

ii. Any change of location of risk shall be covered on intimation of such change.

iii. Change of ownership in the insured property shall be intimated so that the new owner may be covered be means ofsuitable endorsement.

iv. Any material change in the location of risk, trade or manufacturing activities shall be intimated to the insurer so that thechanges are endorsed to offer continuous cover.

Period of Coverage:

i. Fire Policy is an annual policy, generally, renewable each year.

ii. Long Term policy (for a minimum period of three years) can be considered for covering "dwellings" only with suitable

discounts in premium.

iii. Cover for STFI and RSMTD perils can be considered during currency (where they are deleted at inception by choice) in

special circumstances.

iv. Policy can be cancelled at any time during the currency with suitable refund of premium for the unexpired period.

Deletion of Perils at the inception:

STFI and RSMTD perils can be deleted at the inception of the policy for which suitable reduction in package premium rate isallowed.

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Add on covers

In addition to the perils/ expenses covered, the proposer can opt to seek cover in respect of the following perils/ expenses at

nception or during currency of the policy on payment of additional premium :

Perils:

Loss/ damage/ destruction of the property caused by

Deterioration of Stocks in Cold Storage premises due to power failure following damage due to an insured peril

Forest Fire

Impact Damage due to Insured's own Vehicles, Fork lifts and the like and articles dropped therefrom

Spontaneous Combustion

Omission to insure additions, alterations or extensions

Earthquake (Fire and Shock).

Spoilage material damage cover.

Leakage and contamination cover.

Temporary removal of stocks.

Expenses :

Architects , Surveyors and Consulting Engineer's Fees (in excess of 3% claim amount)

Debris Removal (in excess of 1% of claim amount)

Loss of rent.

Insurance of additional expenses of rent for alternative accommodation.

Start up Expenses.

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Any person / firm / organisation / institution who may suffer financial loss in the event of operation of insurable perils may insuresuch property under the fire policy. They may be broadly categorised as under :

1. Owners of Building and contents such as house hold articles, furniture etc.

2. Shop Keepers.

3. Educational/ Research Institutions.

4. Hotels, Boarding and Lodgings, Hospitals, Clinics or such service providers.

5. Industrial and Manufacturing Firms.

6. Godown Keepers.

7. Bailees, Lessor, Lessee, Banks, Financial Institutions, Mortgagors, Mortgagees.

8. Traders in stocks.

9. Trustees, Charitable Institutions.

10. Transporters and C & F Agents.

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Sum Insured of a property should represent the Market Value.

Where more than one building (and contents) are insured under a single policy, block wise values shall be furnished inrespect of Building, Plant & Machinery, Stocks and other contents.

In case the value of a property increases due to factors like increase in prime cost, Exchange rate etc. during the currencyof the policy, the corresponding sum insured may be increased on payment of proportionate premium.

Similarly, any reduction in sum insured during currency may be effected for which refund of premium will be allowed on

short period basis.

Following guidelines, though not exhaustive, are provided for arriving at the sums to be insured for various properties :


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PropertyBase of

InsuranceSum Insured

1. Building

(a) Completed Depreciated

Value Basis

Estimated cost of Reinstatement (material + Labour) of a similar property as on the

date of proposal with suitable escalation for the policy period less depreciation forage.

Reinstatement

Value Basis

Same as above but without depreciation. In other words, the policy will pay, in the

event of loss/ damage, without any deduction for depreciation.

(b) In course ofConstruction

ReinstatementValue Basis

Estimated Total completed value (Material + Labour)

2. Plant & Machinery

(a) Bought II

hand

Market Value Estimated landed cost of replacement of a similar machine of the same kind and

capacity as on the date of proposal with suitable escalation over the policy period lessdepreciation for age and usage for number of years from the date of manufacturing

(and not from the year in which it was bought)

(b) Bought New Market Value Estimated landed cost of replacement of a similar machine of the same kind andcapacity as on the date of proposal with suitable escalation for the policy period less

depreciation for age and usage.

RIV Basis Estimated landed cost of a similar machine of the same kind and capacity as on the

date of proposal with suitable escalation for the policy period.

P.S. Generally, the landed cost of an imported or indigenous machinery will include its prime cost, Customs

Duty/Excise Duty , CV Duty, , loading and unloading charges, freight, insurance, incidental expenses and costof erection at site.

(c) Obsolete M/c. Agreed Value Value has to be ascertained by an expert valuer. The value so ascertained will be the

agreed value between insurer and proposer and loss/ damage will be assessed on thisbasis.

3. Stocks

(a) Raw Material Market Value Landed cost at the time of proposal with suitable increase for inflation, if any.

(b) Finished

Goods

Market Value Landed cost of Raw materials at the time of proposal plus direct and indirect charges

incurred for processing with suitable increase for inflation, if any.

(c) Stock inprocess

Market Value Landed cost of Raw materials at the time of proposal plus direct and indirect chargesincurred upto the stage of processing with suitable increase for inflation, if any.

P.S. : Landed cost means prime cost plus all duties plus freight, insurance and incidental charges.

(d) Stock-in-trade

Manufacturer Market Value Cost of Raw materials plus manufacturing costs (direct and indirect charges) as on

the date of proposal with suitable increase for inflation, if necessary.Wholesaler Market Value Landed cost at which the goods can be purchased from Manufacturer as on the date

of proposal with suitable increase for inflation, if necessary.

Retailer Market Value Landed cost at which the goods can be purchased from Wholesaler as on the date of

proposal with suitable increase for inflation, if necessary.

4. Furniture, Fixture & Fittings

Market Value Estimated cost of replacement of property of the same kind as on the date ofproposal with suitable escalation for the policy period less depreciation for usage.

RIV Basis Estimated cost of Reinstatement) of a similar property as on the date of proposal with

suitable escalation over the policy period.

5. Items to be covered specifically on declaration

Agreed Value

Basis

Value as certified by an expert valuer.

Top^

How to claim

If a misfortune befalls, leave the worry to us but please

intimate such loss / damage immediately so that a Competent Surveyor may be deputed to minimise the loss.

give an account of all properties damaged or destroyed with estimated amounts having regard to their values as on thedate and place of loss.

cooperate with surveyors by providing all the necessary documents for assessment of loss and establishing liability.


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cooperate with the insurer in all their activities of entering the premises, taking possession of properties, their examining,sorting, removing or selling to your account, without prejudice.

inform particulars of all other insurances existing on the property at the time of loss.

Documents required by insurer for processing the claim :

I. Common Documents for all claims under a Standard Fire and Special Perils Policy:

1. Certified True copy of the policy along with schedule and Endorsements/clauses.

2. Claim Form.

3. Newspaper reports on the incident, if any.

4. Photographs.

5. Past claims experience.

II. Fire Claims (additional documents)

1. Report of the Internal Committee constituted for the purpose of investigating the cause of fire.

2. Fire Brigade Report.

3. First Information Report / Letter of intimation to the Police Station duly endorsed / Police Panchnama.

4. Forensic Laboratory Report on samples collected at affected site.5. Drug Inspector's Report on destruction of Drugs/ Pharmaceutical items (for claim on pharma products only).

6. Final Investigation Report.

7. Action taken on the suggestion of TAC/ LPA on loss minimisation of prevention.

III. Flood Claims (additional documents):

Meteorological Report

IV. Explosion Claims (additional documents):

Factory Inspector's Report or Report of Director of Industrial Safety and Welfare.

Marine cum Erection / Storage cumErection Policy

Highlights

Scope

Add on covers



How to claim

Period of Insurance

This is a comprehensive policy covering all physical risks which a project is exposed to.

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Highlights

This is a comprehensive policy covering all physical risks which a project is exposed to right from the warehouse of the supplier ofequipments - whether imported or indigenous - to its erection, testing and commissioning at the site.

In case the supplier has arranged transit insurance upto the site, a Storage cum erection policy can be issued limiting coverage torisks that the project is exposed to at the site only.

In case the policy period exceeds 12 months, the premium can be paid in quarterly installments with the first installment beingmore by 5% and the last installment being paid 6 months before expiry of the policy.

For project value exceeding Rs.1500crs, specially designed policies are available.

Top^

Scope

The policy comprises of 2 Sections :

Section I-Material Damage-covering physical loss, damage or destruction of the property insured by any cause, other than

those specifically excluded in the policy.

Section II-Third Party Liability-covering the legal liability falling on the insured contractor as a result of bodily injury or

property damage belonging to a third party.

The policy covers all risk of physical loss or damage of insured property other than those specifically excluded ,

ncluding :-

marine voyage for imports

offloading / storage at port

inland transit to site

storage, handling, erection at site

testing and commissioning at site

The main exclusions are :-

a. loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection. Thisexclusion is limited to the items immediately affected and does not apply to any consequential loss to correctly executed

items.

b. cost necessary for rectification or correction of any error during erection unless resulting in physical loss or damage.

c. loss or damage due to gradual deterioration, atmospheric condition, rusting etc.

d. loss discovered only at the time of taking inventory.

e. loss arising out of penalty for delay, non-fulfillment of terms of contract.

Top^

Add on covers

The policy can be extended to cover the following on payment of additional premium.

clearance and removal of debris

damage to owner's surrounding property

maintenance visit / extended maintenance cover

additional customs duty

civil works

express freight

air freight


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deletion of duration clause under marine

Top^


The policy can be taken by the principal, contractor or sub contractor, jointly or separately.

Top^


The sum insured selected under section I should not be less than the completely erected value of the property inclusive of

estimated freights, customs duty, erection cost etc.In case of long term contracts, there is bound to be escalation in prices i.e.prime cost. The basic policy will pay only as per theoriginal cost and prices. However escalation clause can be opted for, under which escalation upto 50%, can be selected to take

care of such increase in prices during the policy period.

The sum insured shall be adjustable on completion of the erection, on the basis of actual values incurred by the insured in respectof freights, handling charges, customs dues, cost of erection etc. and premium adjusted accordingly.

The sum insured under section II should represent the per accident limit (the maximum legal liability that may fall on the insured

as a result of an accident in the insured's site). The limit per policy period should be fixed taking into account the maximumnumber of such accidents which can reasonably be expected to occur.

Top^

How to claim

In the event of any loss or damage giving rise to a claim under the policy, the following steps should be taken :-

take necessary steps to minimise the loss.

inform insurance company immediately.

inform fire brigade in case of fire and police authorities in case of theft.

extend full cooperation to the surveyor deputed by the company.

submit duly filled in claim form along with necessary documents to substantiate the financial loss suffered as a result ofthe accident.

Top^

Period of Insurance

The period of insurance should not be less than the period of contract and should commence from the date of unloading of the

first consignment at the site of the erection and shall continue upto the conclusion of the first test operation or test loading subjectto a maximum of 4weeks from the date trial running is made and / or readiness for work is declared by the erectors. If a part of

the plant or one or several machines are tested and put into the operation, the coverage under the policy for that particular partof the plant or machine will cease, whereas the coverage will continue for the remaining parts which are not yet ready.

In case approval of the plant or any part thereof is not given by the concerned authorities even after expiry of 4weeks of trial

running, the policy can be extended and the extra premium to be arranged beforehand.


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Highlights

Scope

Add on covers


How to claim

This policy covers the amount which the insured becomes legally liable to pay as damages to thirdparties as a result of accidental death, bodily injury, loss or damage to the property belonging to a

third party.

Highlights

This policy covers the amount which the insured becomes legally liable to pay as damages to third parties as a result of accidentaldeath, bodily injury, loss or damage to the property belonging to a third party. The legal cost and expenses incurred in defending

the case with prior consent of the insurance company are also payable subject to certain terms and conditions.

One can insure more than one unit situated in different locations under a single policy.

The policy offers a benefit of Retroactive period on continuous renewal of policy whereby claims reported in subsequent renewal

but pertaining to earlier period after first inception of the policy, also become payable.

Top^

Scope

We issue three types of Public Liability Policies.

1. Public Liability Non Industrial Risk - For offices,hotels, cinema houses,hospitals, schools etc.

2. Public Liability Industrial Risk - For godowns , warehouses and factories.

3. Public Liability Insurance Act 1991 - This is a mandatory policy to be taken by owners ,users or transporters of hazardous

substance as defined under Environment (Protection) Act 1986 in excess of the minimum quantity specified under the

Public Liability Insurance Act 1991.

Top^

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Add on covers

The Public Liability Policy can be extended to cover the following risks on payment of an additional premium.

a. Natural calamities like flood, earthquake etc.

b. Pollution Risk subject to NOC from Pollution Control Board

c. Transportation Risk

Top^


In Public Liability Policy, the sum insured is referred to as Limit of Indemnity. This limit is fixed per accident and per policy period

which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively. The ratio of AOA limit to AOY limit can be

chosen from the following :

a.1:1

b.1:2

c.1:3

d.1:4

The AOA limit which is the maximum amount payable for each accident should be fixed taking into account the nature of activity

of the insured and the maximum number of people who could be affected and maximum property damage that could occur, in theworst possible accident in the insured's premises.

In the case of Public Liability Insurance Act 1991, the AOA limit should represent the paid up capital of the company subject tomaximum of Rs.5 crores. The AOY limit is fixed at 3 times the AOA limit (Max.Rs.15 Crores).

Top^

How to claim

Legal liability under the Law of Tort ,can arise under several circumstances in insured's premises such as

a. Collapse of building structure

b. Accidental falling of fixtures

c. Bad maintenance or poor housekeeping resulting in accident to visitors on the premises

d. Accidental leakage of toxic substance which pollutes the atmosphere and injures or kills people

The term "liability" means responsibility and "legal liability" means responsibilities which can be enforced by law. Legal Liabilitymay be classified into Criminal Liability and Civil Liability. Only Civil Liability claims are payable.

Civil Liability claims will arise if there is prima facie evidence of negligence by the insured resulting in injury or death to any thirdparty or resulting in damage to property belonging to a person other than insured, or in insured's custody.

Negligence will be proved only when following conditions are satisfied:

a. Existence of duty of care

b. Breach of this duty

c. Injury suffered by a person or property damaged as a result of that breach.

In case of any event likely to give rise to a liability claim as described above, insurance company should be informed immediately.In case any legal notice or summons is received, it should be sent to the insurance company. The company has the option ofarranging the defence of the case.

The event giving rise to the claim should have occured during the period of insurance or retroactive period and the claim first


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made in writing against the insured during the policy period. The maximum amount payable including defence cost will be the AOAimit selected. The any one year limit will get reduced by the amount of claim or indemnity paid for any one accident. Any number

of such claims made during the policy period will be covered subject to the total indemnity not exceeding the Any One Year limit.

In case of Public Liability Insurance Act 1991 Policy, any award which exceeds the AOA limit will be paid by the government

through Environment Relief Fund to which the insured has to contribute an amount equivalent to the premium paid under thePublic Liability Insurance Act Policy.

The policy will not pay for claims arising out of contractual liability, intentional non-compliance of any statutory provision, loss ofgoodwill,slander ,fines ,penalties , libel , false arrest , defamation , mental injury etc.

Mumbai RO III

------- ----- Select RO ------------ -

OFFICE ADDRESS OF THE OFFICE INCHARGE & TELEPHONE

CODE DESIGNATION

120000 MUMBAI REG. OFFICE.III MR. D A KALLIANPUR Board: 022-22822604/ 22821833

New India Centre, 3rd fl., CHIEF REG. MANAGER Direct: 022-22853515 / 518

17 -A, Cooperage Road, Fax - 022 -22853513

Mumbai - 400 039. I.P.No.120001

Mobile-9820301545


MR. V K JAIN Direct: 022-22836678

REGIONAL MANAGER Mobile-9833298577

I.P.No.120003

Fax - 022 - 22853513


MR. R. ATHIAPPAN Direct : 022-22853516

REGIONAL MANAGER Mobile-9833347111

I.P.No.120013

Fax - 022 - 22853513Email: [email protected]

MR. V W MAITRA Direct : 022-22853517

REGIONAL MANAGER Mobile: 9324527979

Fax - 022 - 22853513


MR. ANJAN DAY Direct : 022-22853514

REGIONAL MANAGER Mobile: 9892162278

Fax - 022 - 22853513


MR. MANORANJAN KAR Direct : 022-22853515

REGIONAL MANAGER

120100 C.D.U.I MR. K.S. RAM KUMAR, 22822604/1833

New India Centre,1st. floorSRDIVISIONAL MANAGER

22870538 / 228137936(D)

17 -A, Cooperage Road, 28578897

Mumbai - 400 039. FAX - 022 -22821876

E-Mail:[email protected]

Mobile: 9819820673

120200 C.D.U.II MR THOMAS MOFFAT 22822604/1833

New India Centre,2nd Floor DIVISIONAL MANAGER Direct: 22830170

17 -A, Cooperage Road, 28390519(R)
mailto:[email protected]:[email protected]:[email protected]:[email protected]


20/24

Mumbai - 400 039. FAX - 022 -22821980

Mobile: 9869646315


120300 C.D.U.III MR. R ELANKUMARAN 22885563 / 22822604/1833

New India Centre,2nd Floor DIVISIONAL MANAGER 28575025(R)

17 -A, Cooperage Road, FAX - 022- 22823058

Mumbai - 400 039. Mobile: 9920234278

[email protected]

[email protected]

120400 C.D.U. IV MR. BIJAY RATH Board:22049713 /22049646

New India Centre,11th Floor DIVL MANAGER 22815075(D)

17 -A, Cooperage Road, 26703566( R )

Mumbai - 400 039. FAX - 022 -22842678

Mobile: 9819401448


120500 C.D.U. VMS. GOMATHYRANGANATHAN

Direct : 22842530

New India Centre, 4th floor DIVL MANAGER 22822604/1833

17A Cooperage Rd. Fax - 022 - 22840530

Mumbai 400 039. 982060423(M)

[email protected]

120700 C.D.U. MR. MANISH KUMAR Direct : 22814663

New India Centre, 8th floor DIVL MANAGER Borad :22049714

17A Cooperage Rd. FAX - 022 -22881350

Mumbai 400 039. [email protected]: 9833081858

121000 C.D.U. MR VINEET KUMAR 22049647(O)

New India Centre, 11 th floorSR. DIVL. MANAGER 22815072(D)

17A Cooperage Rd. 26455318(R)

Mumbai 400 039. FAX - 022 -22021382


9869770034(M)

121200 C.D.U. MR. D. P. SAXENA 22025934/35

New India Centre, 2nd floor DIVL. MANAGER 22882756(D)

17A Cooperage Rd. 28575720

Mumbai 400 039. FAX-22026078

E-mail:[email protected]

Mobile: 9920483926

121400 C.D.U. MR.DINESH PAI 22822604/1833

New India Centre,1st Floor SR DIVL MANAGER 22885624 / 22817296(D)

17 -A, Cooperage Road, 28573255(R)Mumbai - 400 039. FAX - 022- 22821927


9869467120(M)

121401 PIMPRI BRANCH MR. S.M.HALBE 9520 -27477136(D)
mailto:[email protected]:[email protected]:[email protected]:[email protected]


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TELCO LTD. BM 9520-66132850 / 66133332

ELECTRONICS BLDG, FAX - 020 - 27477136

PIMPRI, PUNE 411018 Email: [email protected]

Mobile: 9623451774

121402 JAMSHEDPUR BRANCH MR.O. P. SINGH 0657-2286211(D)

Telco Ltd., Spare Parts Bldg., BM FAX-0657-2286095

Jamshedpur - 831 010. Email: [email protected]

9939712061(M)

122100 Reliance D.O. MR. ARUN K SRIVASTAVA22822058(D)

New India Centre, DIVL. MANAGER 228002845, 22820463

5th Floor, FAX - 022 -22851939

17-A, Cooperage Road E-Mail:[email protected]

Mumbai - 400 009. Mobile: 9833387519

CLAIMS HUB 22882657 (D)

New India Centre, 4th floor22049648/22049762/22816816/22843590

17A Cooperage Rd. FAX - 22822043Mumbai 400 039. 28575720(R)


Mobile: 989216850

Mumbai RO I

------- ----- Select RO ------------ -

OFFICE

ADDRESSOF THEOFFICE

INCHARGE & TELEPHONE

CODE

DESIGNATION

110000

MUMBAIREGIONALOFFICE I

MR. RAKESHKUMAR

22660470 (D)

New IndiaBhawan,

DY.GEN.MANAGER

24620301

34/38, BankStreet,

FAX : 24620300

Mumbai -400023.


MR. AJITKUMAR

22663181 (D)

REG..MANAGER

24620303

26703566


MR. J STONK

22693518 (D)

REG.MANAGER

24620304

FAX : 24620324Email: [email protected]

MR. K CKABUI

22691425 (D)

REG..MANAGER

24620305
mailto:[email protected]:[email protected]


22/24

FAX : 24620300


MR.PRAVEENGODBOLE

22702585 (D)

REG..MANAGER

24620302

FAX : 24620300


110600

New IndiaCentre

SUSHIMDHAKATE

22829260 (D),

11th Floor,New IndiaCentre, 17-A,CooperageRoad,Mumbai -400039.

D.M. 22829253 - 59, 22829258, FAX: 22829250

Email:[email protected]

110601

New IndiaCentreBranch

MR. C.S.SALVI, BM

22829255 (D)

9th Floor,17/A,CooperageRoad,Mumbai -400039.

22819250 (F)

Mumbai -400039


MR.MUKESHTHAKKAR

9820329953 (M)


110800

ShreePantBhavan,

MR.SUKUMARBABU SR.D

M

23611935 (D)

Nr. SukhSagar, Opp.Bombay

CycleMotor,Chowpaty,Mumbai -400007.

23630067, 23630477, FAX: 23673548 /

23673548 Email:[email protected]:[email protected]

111200

New IndiaBhavan

MS. LATAIYER, D.M.

22632755 (D),

GroundFloor,34/38, BankStreet, Fort,Mumbai -400023.

22665169, 22663813, 22665171 FAX:

22663106 Email:[email protected]


23/24

111400

MittalChambers

MR. VIJAYPAUNIKARDM

22820892 (D),

2nd Floor,228,NarimanPoint,Mumbai -400021

22882259, 22839868 FAX:22821665

111700

AsianBuilding,

MS. ALKABANAGEDM

22621280 (D),3rd Floor,17, R.KamaniMarg,BallardEstate,Mumbai -400038.

22617931-32,22610366, FAX:22675264 Email:[email protected]

111800

Moti

Mahal,

DR. CKHATRI

SR.DM

22846409 (D)

6th Floor,JamshedjiTata Road,Churchgate,Mumbai -400020.

22821715, 22821764, 22811519, 22882901, 22027357,22812316 FAX:22820134 Email: [email protected]

111900

AsianBuilding,

MR. S.MOHAPATRA

SR. DM

22679075 (D),

Ground

Floor, 17, R.KamaniMarg,BallardEstate,Mumbai -400038.

8108311713 (M) 22613674/75,24620360/61/62/63 FAX:22612876 Email:[email protected]

112000

AsianBuilding,

BIBUBOSEDM

22613245 (D),

3rd Floor,17, R.

KamaniMarg,BallardEstate,Mumbai -400038.

22619857, 22617933, 22663530, FAX:22610889

112500

WardenHouse,

MR. C.S.ATTAL

SR. DM

22820035 (D),

4th Floor,Above

CanaraBank, SirP.M. Road,Fort,Mumbai -400001.

22823695 (D), 22028003, 22029304, 22854020 - 24,22820035 FAX:22823696 Email:[email protected]


24/24

112700

Brokers'DO

MS.SUSHAMAANUPAM DM

22020714 (D)

22, 2NDFloor, MittalChambers,NarimanPoint,Mumbai 400021.

22020602/03,22020577 FAX:22020608 Email:[email protected]

112800

New IndiaCentre,

MR. DEEPAKM.BHAT DM

22046075 (D),

7th Floor,17/A,CooperageRoad,Mumbai -400039.

22020794, 22814720-21, 22814724,FAX:22844394 Email:[email protected]

CLAIMS

HUB

MAHESH N

SHAH 22040345 (D)New IndiaCentre,12th Floor,

MANAGER 22020693/94/95, 24620377/78/79

17-A,CooperageRoad, Mumbai -400020

FAX:22045100 Email:[email protected]

Call us on our 24x7 Toll Free helpline 1800-266-7780/1800-11-9966**Toll Free from MTNL/BSNL lines only)

ORSMS `TAG` to 5616181Write to us [email protected] hereto give us your feedback.

Write to us at [email protected]

or call us at our help line : + 91 98303 01117
mailto:[email protected]:[email protected]:[email protected]://www.tataaiginsurance.in/taig/taig/tata_aig/about_us/contact_us/feedback.htmlhttp://www.tataaiginsurance.in/taig/taig/tata_aig/about_us/contact_us/feedback.htmlmailto:[email protected]:[email protected]://www.tataaiginsurance.in/taig/taig/tata_aig/about_us/contact_us/feedback.htmlmailto:[email protected]