My home. My insurance. My way.

Transcription

1 Premium Home Insurance Plan Home Insurance My home. My insurance. My way. When it comes to your home, you ve thought about every last detail. So have we. You ve taken time and effort to plan your dream home, a home that s completely unique to you and your family. my:asset Premium Home Insurance Plan offers a completely customisable solution to suit the unique needs of your home. It offers 27 comprehensive covers to choose from, to protect your home and belongings. Our premium calculations are easy and transparent so that the process of buying the policy is quick, hassle-free and seamless.

2 Key Benefits Most comprehensive umbrella product which has 27 sections Build your own policy by opting from 25 optional covers and Sum Insured option of your choice Innovative insurance covers like Purchase Protection, Wallet Protection, Wedding & other Ceremonial Benefit, Pet Dog, Trees and Plants, Golf Kit and Second Home Optional cover for terrorism Easy and transparent premium calculations Policy Coverage Compulsory Covers 1. Fire & Allied Perils (reconstruction cost of building and/or contents) This cover provides protection to both your building and its contents against perils like fire, lightning, explosion/implosion, etc. 2. Burglary and/or House Breaking for Contents This cover provides protection to contents against loss due to burglary and/or house breaking and damage to the house for up to a specified amount due to attempted burglary and/or house breaking. Optional Covers 3. Electronic Equipments (All Risk) This cover provides protection to electronic equipments like computers, laptops, tablets and audio/visual equipment against all risks. 4. Protection to Domestic Appliances This cover provides protection to domestic appliances against electrical and mechanical breakdown. The claim amount includes cost of transportation for repair. 5. Plate Glass Protection This cover provides protection to securely fixed plate glass situated in your home against accidental loss or damage.

3 6. Jewellery and Valuables (All Risk) This cover provides protection to you and your family s jewellery and valuables, both at home and away against all risks. Valuables include expensive wrist-watches, cameras and musical instruments. 7. Baggage Protection This cover provides protection to your luggage and personal effects as accompanied baggage, beyond municipal limits of your residence, against loss, theft or accidental damage. 8. Public Liability This cover provides protection against legal liability arising from death, bodily or property damage to third party caused by an incidence or accident at your home. For e.g. If a fire in your house causes injury to your neighbour then we shall cover the costs for the injury. 9. Liability to Domestic Staff This cover provides protection to you against legal liability arising from death or bodily injury to domestic staff whilst on duty at your home, under provisions of Employees Compensation (W.C.), Purchase Protection This cover provides protection to new contents acquired during the policy period against the insured peril/event as covered under Fire and Allied Perils and Burglary and/or Housebreaking, even if they were not declared at the time of taking the policy. 11. Wallet Protection This cover provides protection as replacement cost to your wallet/ladies handbag and its contents, like personal papers, payment card, against physical accidental loss. The coverage offered also includes actual loss of money due to robbery or hold up, emergency first-aid charges for bodily injury sustained during robbery or holdup that occurred following withdrawal of cash from ATM and the cost of travel back to the residence mentioned in the policy schedule for loss of ticket. 12. Wedding and Other Ceremonial Benefits This cover provides protection to your wedding/other ceremonial gifts, bridal/groom attire including jewellery accident, fire or theft. The coverage offered also includes protection against financial loss due to postponement and or

4 rearrangement of an event and legal liability arising from accidental injury to third party or property of third party in relation to the event. 13. Golf Plan This cover provides protection to your golfing activities as well as your entire golf equipment against accident or misfortune. The coverage offered also includes reimbursement of amount involved for the customary round of drinks/party thrown for achieving a hole-in-one during a competition round, golf tournament entry fee when unable to participate in the tournament due to unforeseen sickness or accident, annual club membership fee when totally disabled due to accident or illness and legal liability for bodily injury to third parties and/or accidental damage to third party property from playing golf. 14. Marine Transit This cover provides protection to household goods while shifting against loss of/accident to goods carrying vehicles. 15. Temporary Re-settlement Expenses This cover provides reimbursement of costs incurred towards packing, unpacking, loading, unloading or handling charges, and transportation for relocating your contents to alternative accommodation due to operation of an insured peril under Fire and Allied Perils and Burglary and/ or House breaking for contents. 16. Contents Temporarily Removed This cover provides protection to contents against perils covered under compulsory covers in the new location which is necessitated as a result of loss at home covered under the policy. The cover is limited to the following. Maximum period up to 180 days throughout India. Maximum of one-tenth of Sum Insured under contents. 17. Liability of Tenants to Landlord This cover provides protection against legal liability arising from damage to landlord s property and permanent fixtures in the home occupied by you as tenant. This liability would be admissible if the insured and landlord have an agreement specifying that the insured will be held liable for any such damage.

5 18. Rent for an Alternative Accommodation This cover provides reimbursement of rent for alternative accommodation arising from damage to your house against perils covered under Fire and Allied Perils cover. 19. Pet Dog This cover provides protection to your dog against death and/or disease and financial loss against legal liability arising out of a dog bite. The compensation also includes veterinarian expenses for injury (up to INR 5,000) to the pet dog due to accident and/or disease. 20. Pedal Cycle and Tricycle This cover provides protection to your pedal cycle and tricycle against theft/physical damage. This also covers financial loss against legal liability due to death/bodily injury or property damage of third party arising out of the use of the pedal cycle/tricycle. 21. Key Replacement This cover provides reimbursement of cost for lock system against damage caused by external violent and visible force. 22. Property of Self Employed This cover provides protection to contents exclusively used at your home to discharge your professional/business duties, against perils covered under compulsory covers. 23. Holiday and Second Home This cover provides protection to your second home and its contents against Fire and Allied Perils and Burglary and/or House breaking. 24. Search and Found This cover provides reimbursement of the cost incurred for locating and repairing the source of water damage caused by perils covered under Fire and Allied Perils. 25. Accidental Damage to Underground Pipes/Cables/Services This cover provides protection to underground pipes, cables and services located in your premises against accidental damage, for which repairs have to be statutorily carried out. 26. Safety for Documents This cover provides reimbursement for replacement of your damaged documents or loss of documents against accidental loss or damage. 27. Trees and Plants This cover provides protection to the trees and plants damaged due to perils covered under compulsory covers.

6 General Exclusions The policy does not cover loss/damage due to: 1) War, invasion, act of foreign enemy 2) Ionizing radiations or contamination by radioactivity 3) Any consequential loss or damage, of any kind or description 4) Depreciation or wear-and-tear 5) Wilful act by the Insured, his/her family or domestic staff Get the L&T Advantage For over 7 decades, across industries, the L&T Group has practised and perfected incisive solutions and its precise delivery. We are a state-of-the-art, technology-driven Company that has the calibre and expertise to provide world-class customer service. We combine innovative and unique product benefits with seamless customer support to make sure our approach to your home is a thoughtful one. At L&T Insurance, you are our top priority. Our other Home Insurance Plans Insta Home Insurance Plan with 4 covers Primary Home Insurance Plan with 11 covers Super Home Insurance Plan with 20 covers LTGICL/FY12-13/094 TOLL FREE NUMBER WEBSITE SMS HOME<your name> to The information provided herein includes only the salient features of my:asset Home Insurance Policy-Premium Home Insurance Plan under my:asset Home Insurance. For more details, please refer to the policy wordings. Visit our website or contact our insurance partner. IRDA Reg. no. 146 L&T Insurance is a brand of L&T General Insurance Company Ltd. Insurance is the subject matter of solicitation. Unique Identification No (UIN) LNT-OT-P13-35-V