Eligibility

 Your home and contents other than cash (banknotes and coins), checks, letters of guarantee, bills, stamps, documents, manuscripts, books and papers of all types, gold, silver, precious metals, precious stones, jewelry, heirlooms, antiques, worshipping objects, drawings or design documents, explosives, live animals, pets, unless such assets are accepted by PTI in writing.

Scope of Coverage

• Fire

• Lightning strike

• Extensions: Explosion, impact by any aircraft and aerial vehicle, flood, storm, tempest, escape of water from any tank, apparatus or pipe, impact by any road vehicle or animal and earthquake.

Eligibility

Property owned by any individual or entity other than cash (banknotes and coins), checks, letters of guarantee, bills, stamps, documents, manuscripts, books and papers of all types, gold, silver, precious metals, precious stones, jewelry, heirlooms, antiques, worshipping objects, drawings or design documents, explosives, live animals, pets, unless such assets are accepted by PTI in writing.

Scope of Coverage

Risks to any property used by the Insured at the premises for his/her business purposes or any part thereof that is lost, destroyed or damaged by any cause not excluded in the policy wording, at any time during the period of insurance or any subsequent period for which the Insured has paid the premium as requested for the policy to be renewed.

Eligibility 

Any property, including the Insured’s home and contents as listed in the insurance certificate and declared in the list of insured property.

Scope of Coverage 

• A (Fire, Direct Lightning Strike, Explosion)

• C (Impact by an aircraft or other aerial devices or articles dropped therefrom)

• F (Earthquake or volcanic eruption including flood or overflow of the sea occasioned thereby);

• H (Storm, tempest, flood)

• Theft with signs of forcible or violent entry,

• Fire extinguishing costs;

• Theft with signs of forcible or violent entry,

• Insurance coverage for Peril A is required while insurance coverage for any other peril is optional. 

Eligibility

Any office contents, public liability and any other selected risks as specified in the insurance certificate.

Basic and compulsory insurance coverage

• All office contents

• Public liability including tenants’ liability

Optional insurance coverage

• Building insurance

• Personal accident insurance

• Money insurance

• Additional cost and rent insurance

• Worldwide laptop insurance

• Excess automobile liability insurance

Scope of Coverage

  This office pack shall pay the Insured under the terms and conditions specified in each section of the policy wording.

General exclusions

• Radiation;

•  War;

• Impact by sonic waves;

• Any consequential loss or damage of all whatsoever nature;

• Coastal or river erosion;

• Subsidence, landslip or heave;

• Pollution and contamination unless caused by an accident;

• Product and professional liability

Eligibility

 Houses, buildings and fixtures; machinery and equipment; stocks, materials, commodities and others.

Scope of Coverage

Fire and explosion..

Forms of compensation

• Repair of the damaged property

• Replacement of the damaged property with new property of like kind and quality;

• Payment of the claim amount

Claim documents

•  Claim form

• Policy

• Certificate of satisfaction of fire prevention and fighting requirements or written confirmation of satisfaction of fire prevention and fighting requirements

• Survey report prepared by the insurer or the person authorized by the insurer

• Accident report prepared by the Fire and Rescue Police or any other competent authority or any evidence of loss

• Statement of loss and damage and any written evidence of loss.

Eligibility

 Any loss resulting from an interruption or interference caused by any risks to any building or property used by the Insured for its business purposes. (The Insured’s business is affected or interrupted by such risks, resulting in such loss of income or profit).

Scope of Coverage

• Loss of profit

• Wages

• Certain other expenses…

Eligibility

All home contents, personal liability and any other selected risks as specified in the insurance certificate

Basic and compulsory insurance coverage:

• Home contents

• Personal liability;

Optional insurance coverage

• Globally valuable belongings and assets

• Personal accident insurance

• Laptop insurance;

• High-limit motor vehicle liability;

• Loss of rent;

• Cash in safe insurance.

Scope of Coverage

 This insurance shall indemnify the Insured under the terms and conditions specified in each section of the policy wording.

General exclusions

• Radiation;

• War;

• Impact by sonic waves;

• Any consequential loss or damage of all whatsoever nature;

• Coastal or river erosion;

• Subsidence, landslip or heave;

• Pollution and contamination unless caused by an accident;

• Product and professional liability