All Risk policy provides insurance cover for valuable items like Mobile Phones, Laptops, Cameras, Jewellery, Watches, Gold & Silver Ornaments against loss of due to Fire & allied perils, Theft & Accidental damages from any fortuitous cause anywhere in India.

Exclusions:-

The Insurance policy doesn’t cover:-

Loss or damage arising from war, like operations, civil commotion, depreciation, wear & tear, mouth mildew, vermin, the process of cleaning, Dyeing, Repairing, over winding of watches, Mechanical Derangement, electrical breakdown, breakage of glass, theft from unattended vehicles, detention or confiscation by customs or other authorities and consequential loss.

A separate special contingency policy is being issued by the insurance companies covering Mobile phones and laptops.

The following risks are covered under the policy:

• Fire and Allied Perils
• Burglary
• Accidental damage
• Electrical Breakdown:  Any loss or repair due to Electrical Breakdown is covered by the policy.