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Be it for business or for leisure, you need to carry baggage when you are on tour. The baggage could be checked in baggage or hand baggage depending on mode of travel. Loss of baggage has become something travelers have to live with, despite best practices being followed by carriers such as airlines or railways. However, loss of baggage can cause serious problems when valuables like cash, jewellery, travel documents etc., are lost.
Our baggage policy provides an All Risk form of cover against loss of baggage. |
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Loss or damage to accompanied personal baggage of
the insured by fire, Riot and Strike, Terrorist Activity, Theft or
Accident, anytime, whilst the insured is traveling on tour and/of on
holiday.
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The geographical area of the cover can be extended to cover worldwide
travel, if required
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Applicable to both the Sections of the Policy: - |
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Any loss or damage
occurring during routine travel.
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Damage caused by any
process of cleaning, dyeing or bleaching, restoring, repairing or
renovation or deterioration arising from wear and tear, moth, vermin
or insects if mildew or any other gradually operating cause.
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Breakage, cracking or
scratching of crockery, glass, cameras, binoculars, lenses, sculptures, curios
pictures, musical instruments, sports gear, and similar articles of brittle and fragile nature, unless caused by
fire or accident to the means of conveyance.
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Loss or damage caused
by mechanical or electrical derangement /breakdown, of any article,
unless caused by accidental, external means.
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Over winding and
bending or internal damage of watches and clocks.
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Loss or damage to money,
securities, manuscripts, deed, bonds, bills of exchange, promissory
notes, stocks or share certificates, stamps and travel
tickets or travelers cheques, business books or documents.
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Loss, destruction or
damage caused by a arising from the leakage, spilling or exuding of
liquids, oils or material or a like nature or articles of damaging
nature.
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Theft from any car
except car if fully enclosed saloon type having at the time all the
doors, windows and other openings securely locked and properly
fastened.
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Loss of / or damage
to articles which did not from part of the baggage when the journey
commenced unless specifically declared and accepted by the company.
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Loss destruction of
or damage to articles of consumable and of perishable nature.
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Loose articles such
as sticks umbrellas, sun shades, fans, deck chairs, property in use
on the voyage, and / or journey, or articles whilst being worn on
the person or carried about.
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War and War like
perils
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Any loss or damage
arising through delay, detention or confiscation by customs or other
authorities.
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Ionising radiation of
contamination by radioactivity nuclear weapons material
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Consequential loss or
legal liability of any kind.
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Loss or damage due or
contribution to by the insured having caused or suffered anything to
be done whereby the risk hereby insured against were unnecessarily
increased.
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Terrorism
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(DOC
163 KB) |
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Overview
motor insurance