Reliance Standard Fire & Special Perils Insurance Policy

1 Downloaded from : Loyal Insurance Brokers Ltd. About us .. Loading for kutcha construction Claim experience discounts / loading (on specified loss) Reliance General Insurance is one of the fastest growing Reliance Discount for installation of fire extinguishing appliances general Insurance companies in India with innovative Standard Fire & Special product offerings and customer service standards that are .. Discount for voluntary deductibles Long term discount for Dwellings'. benchmarked to the best in the world. The company aims to Perils Insurance Policy increase its presence in the retail and corporate sectors with a Loading on account of add-on covers focus on customer centric products, multiple distribution Exclusions under the Policy protecting your fact channels and technology.

2 At Reliance General Insurance , we would like things to be comprehensive protection from every uncertain Reliance General Insurance is a 100% subsidiary of as transparent as possible. To ensure that you do not face in times of uncertainty Reliance Capital Limited. Reliance Capital is a part of the any unpleasant surprises when you make a claim, we would Reliance Anil Dhirubhai Ambani Group. like you to know some of the major exclusions under the Policy : Some of our other products: The first 5% of each and every claim, subject to a minimum of , 000/- Reliance HomeProtect Policy Reliance Shopkeeper's Package Policy Reliance HealthWise Policy Reliance War and nuclear Perils Marine Cargo Policy Reliance Industry Care Policy Loss due to pollution and contamination Reliance Office Package Policy Reliance SME Care Policy Loss to bullion or unset precious stones, any curios or Reliance Burglary & Housebreaking Insurance Policy works of art for an amount exceeding Rs.

3 10,000/- unless specifically covered This product brochure gives the salient features of the Loss to cold storage premises caused by change plan only. For further details on all the conditions and of temperature exclusions related to Reliance Standard Fire & Special Damage to electrical machines, apparatus, fixtures, Perils Insurance Policy , please contact us. or fittings arising from electrical Perils such as short circuit 1800 3002 8282 (toll free). Loss of earnings or other consequential loss. 3989 8282 (local charges apply). Loss by spoilage sms fire' to 55454. Loss by theft during or after the occurrence of any insured peril Any loss due to volcanic eruption or other convulsions of nature Loss or damage to property removed to any building other than the insured premises except machinery and A Reliance Capital Company equipment temporarily removed for repairs, for a Version , July 2008.

4 Period not exceeding 60 days Reliance General Insurance Company Limited Registered office Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400 001. Insurance is the subject matter of solicitation. HI-01. Downloaded from : Loyal Insurance Brokers Ltd. Scope of cover Impact damage due to insured's own rail/ road vehicles, Welcome to Reliance General Insurance forklifts, cranes, stackers and the like and articles The Policy covers loss due to : Among life's many uncertainties, fire and allied Perils often dropped therefrom Fire prove to be the most damaging. Such an event not only Spontaneous combustion causes the damage and destruction of your assets, it also Lightning leaves you with a huge financial burden to bear.

5 At such Omission to insure additions, alterations or extensions Explosion / implosion times, you need the safety of the Reliance Fire and Special Spoilage material damage cover Aircraft damage Perils Insurance Policy . This calms your worried mind by Leakage and contamination cover offering you comprehensive coverage and by giving you Riot, strike and malicious damage (RSMD). Temporary removal of stocks clause the financial support to recover from such sudden losses. Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and inundation (STFI) Loss of rent clause Key advantages Impact damage Insurance of additional expenses of rent for an specially designed plan that covers all the properties alternative accommodation Subsidence and landslide including rockslide which are normally exposed to the risk of fire and Start-up expenses Bursting and/or overflowing of water tanks.

6 Apparatus allied Perils Molten metal spillage and pipes Wide scope of cover for your assets against a variety of Missile testing operations Policy options natural and man-made Perils Leakage from automatic sprinkler installations One can choose up the following variant with regard to A host of add-on covers for you to opt from Bush fire sum insured while opting for the Standard Fire & Special Optional deletion of storm, tempest group of Perils Architects', surveyors' and consulting engineers' fees up Perils Insurance Policy and riot, strike group of Perils to 3% of claim amount Floater Policy : This Policy can be issued for stocks at Multiple options for variations in sum insured . Removal of debris up to 1% of the claim amount various locations under one sum insured such as floater Policy , declaration Policy and floater declaration Policy Add-on covers Declaration Policy : Takes care of frequent fluctuations in stocks / stock values.

7 Declaration Policy can be Applicability You can select any of the following add-on covers on granted subject to certain conditions Broadly, the fire and Special Perils Insurance Policy can be payment of extra premium. Floater declaration Policy : This Policy has the features issued to cover the following types of risks: Earthquake (fire & shock). of both floater and the declaration policies Dwellings, offices, hotels, shops etc. located outside the Architects', surveyors' & consulting engineers' fees (in Policy tenure compound of industrial / manufacturing risks excess of 3% of claim amount). The Policy is issued for one year from the date of inception Industrial / manufacturing risks Debris removal (in excess of 1% of claim amount).

8 Of the cover. However, policies for a period exceeding Utilities located outside the compound of industrial / Deterioration of stocks in cold storage 12 months can be issued for Dwellings'. manufacturing risks Accidental power failure consequent to damage at the Premium payable Storage risks located outside the compound of premises of power station due to an insured peril industrial / manufacturing risks Premium depends upon the type of risk and is subject to Change in temperature arising out of loss or damage to the following: Tank farms / gas holders located outside the compound the cold storage machinery in the insured premises due of industrial / manufacturing risks / immovable to operation of insured peril Discount for sprinkler block installation properties which have monetary value Forest fire Discount for optional deletion of STFI and RSMD Perils