Home Protection Insurance

When you’re away, protecting your home is just as important as protecting the items you carry on your trip. You can ensure that your belongings are protected when you travel, and get coverage against loss in the event of home burglary with the Home Protection Cover While You Are Away from Bajaj Finserv. It’s an valuable add on cover with Home insurance to protect your belongings when you are trip.

Home Protection While You Are Away Policy Features and Benefits

• 

  High coverage limit

  Get coverage up to Rs. 5 lakh for just Rs. 199 per annum

• 

  Coverage against damage, loss and theft

  Get covered against damage to, or the disappearance of items inside your home, in the event of a burglary when you are away on a trip

• What is Covered in Home Protection While You Are Away Insurance Policy?

• 

  Financial losses

  Get covered against financial losses due to damage, disappearance or destruction of the following items due to burglary at your residence when you are away on a trip:
  
        a) Furniture
        b) Clothes
        c) Electronic items
        d) Audio equipment
        e) Money
        f) Cheques

• What is Not Covered in Home Protection While You Are Away Cover?

• 

  Longer travel time

  Losses that occur when your travel time is longer than 31 days

• 

  Items not in your home

  Losses to personal effects that you have carried during the trip are not covered in Home Protection While You Are Away Cover

• 

  Items not listed under policy coverage

  Losses to any items that are not listed under the policy coverage

• 

  Losses due to other events

  Losses that are due to events other than burglary, including but not limited to – fire, smoke, lightning, wind, water, flood, earthquake, volcanic eruption, tidal wave, landslide, hail, or other acts of God

• 

  Nuclear, biological or chemical events

  Losses due to or related to a nuclear, biological or chemical event are also not covered in this insurance policy of Home Protection While You Are Away

• For detailed list of policy terms & conditions, inclusions & exclusions please download the document from here.

• Home Protection While You Are Away Cover: Terms and Conditions

  
  • Coverage duration
  For a covered trip, the coverage commences when you leave your place of residence to commence the trip and will terminate when one of the following events occurs, based on whichever occurs first:
  
      a) the time of return to your place of residence on completion of your trip
      b) the expiry of the policy
      c) In any event
  
  • Coverage conditions for travel time
  Coverage will not commence more than 24 hours prior to the booked departure time and will cease 24 hours after your actual return time.
  
  • Electrical and audio equipment covered
  Electrical and audio equipment includes TVs, CD/DVD players, stereo sets, computers, and refrigerators.
  
  • Official police report
  You must provide an official police report that indicates the incident happened within the covered time frame for the claim to be paid; unless you are legally incapable of doing so.
  
  • Claim payment
  The claim payment will not be more than the replacement cost of the covered item(s)
  
  

In the event of a covered loss:

• Contact us
You must contact us at 1800119966 or provide written intimation within 6 hours of the robbery, in order to obtain a claim form and instructions on how to proceed

Please contact our 24-hour Toll Free Call Center on 1800-11-9966* - 1800-266-7780 (*Toll free from MTNL/ BSNL lines only) or 1800-22-9966 (only for senior citizen policy holders). Please intimate the Call Center as soon as a claim occurs, in order for us to provide you prompt and effective assistance. You may also register the claim by sending below details on general.claims@tata-aig.com or sending a SMS on 5616181 as “Claims”

Documentation required at the time of claims
Below is the tentative list of documents required for processing of claim
• Duly filled and signed Claim Form
• Police Report
• Voucher in support of item(s) lost/damaged, destroyed subject (Description, quantity, value and nature of loss).
• Bank statement (In case of loss of money, cheque)
• Any other requirement stated by claim examiner.

• Claim form completion
You must complete, sign and return the form with the appropriate documents, which include, but are not limited to – claim forms, police reports, demands, notices, and any other documents we may ask you to provide

• Claim form return
You must return the claim form and accompanying documents to us within 3 days of making the original claim

• Documentation
Complete, sign and return the claim form to us with all the following documents, within 3 days of making the original claim:

• Police report
You must also file a police report within 6 hours of discovering the loss to report the incident and obtain the police report