HDFC ERGO General Insurance - Products - Miscellaneous - Portable Electronic Equipment Insurance

HDFC ERGO General Insurance Company Limited

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portable electronic equipment insurance

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Modern life revolves round the use of electronic gadgets, be it laptops, palmtops, PDA’s, i-pods, mobile phones and the like so that you are wired or networked all the time. But these items can be costly and delicate and could be lost or damaged due to theft or burglary, fire, accidental damages and the like.
We have designed a policy, which is best suited to cover such eventualities and provide compensation for loss or damage to portable electronic items. The coverage is operative not only in India but can be extended worldwide.

Scope of Cover:

All Risks Policy covers loss or damage to insured portable electronic items against

   Fire and allied perils

   Accidental external means

   Burglary

   Theft of movable items irrespective of the place where the loss occurred as an extension.

The geographical area of the cover can be worldwide at the option of the Insured

Exclusions:

   War, and war like perils

   acting on behalf of or in connection with any political organization, requisition or destruction or damage by order of any government de-jure or de-facto or any public, municipal or local authority.

   Nuclear Reaction, Nuclear radiation or radioactive contamination.

   Willful act or willful negligence of the Insured or his representative.

   Derangement of the Insured property not accompanied by damage otherwise covered by this policy.

   Loss of or damage to the property covered under this policy falling under the terms of the Maintenance Agreement.

   loss or damage caused by any faults or defects existing at the time of commencement of the present insurance within the knowledge of the insured, or his representatives, whether such faults or defects were known to the company or not;

   wear and tear, cavitations, erosion, corrosion, incrustation, gradual deterioration due to atmospheric conditions;

   normal maintenance of the insured items

   loss or damage where manufacturer or supplier is responsible

   loss of or damage to hard disk & read-write head whilst in transit except when caused by an insured damage to the whole computer

   scratches on painted polished or enamelled surfaces.

   any unexplained disappearance of the Insured item.

   Terrorism

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For more information, please write to us at care@hdfcergo.com. You can also contact us on our Toll Free No. 1800-2-700-700.

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