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Personal Trip Liability Cover FAQs

Personal Trip Liability Cover FAQs

Why should I have a Personal Trip Effects Cover?

When you travel, you are susceptible to risks arising due to loss, theft or damage of your personal belongings. A Personal Trip Effects Cover is ideal for protecting you against accidental damage or theft of luggage, loss of money/cheque, and any financial losses incurred to replace a lost wallet or passport during the trip.

Why should I have a Trip Liability Cover?

When you travel, you are susceptible to financial risks involving loss, theft or damage, which may require you to incur the expenses for a third party. It’s better to protect yourself with addon policy during travel using travel insurance with personal liability.

When should I get a Trip Liability cover?

You should get a Trip Liability Cover before you leave for a trip. One can buy this policy online by filling trip liability cover online application form.

What is covered under the Trip Liabilities Cover?

All your liabilities with respect to accidental bodily injuries or property damages to third parties during your trip travel time are covered under the Trip Liabilities Cover.

What is not covered under a Personal Trip Liability cover?

The Personal Trip Liability Cover by Bajaj Finserv does not cover bodily injuries or property damage loss that:

 occurred during a travel time that was longer than 31 days
 occurred while operating or due to ownership of any motorcars or motor-driven machines, sailing or motor boats, and/or aircraft
 result from a communicable disease
 occurred under the influence of alcohol, illegal drugs or narcotics, and medicines, which have not been prescribed by a doctor
 arises out of competing or participating in competitive/dangerous sports that include but are not limited to mountaineering, boxing, polo, parachuting, gliding, and/or underwater diving using personal breathing apparatus
 you assume under any agreement contract
 occurred to you and/or your relatives
 result out of your participation in demonstrations, strikes, riots, illegal acts or acts of terrorism
 result out of any business pursuits, professional services performed during trip travel time.
 result out of any criminal, wilful, intentional, malicious act or omission

What is the validity for the Trip Liabilities Cover?

The Personal Trip Liability Cover insures a sum of Rs.20,000 for 1 year, with a premium of just Rs.149. One can buy it online by filling trip liability cover online application form.

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