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FIRE INSURANCE

Standard Fire and Special Perils Policy

Scope of CoverLife is full of unexpected events and not all of them are pleasant. Natural

calamities such as an earthquake, avalanche, storm or fire can put human lifeand property at risk. Bajaj Allianz offers the Fire policy, which will support you

in such trying times. This policy safeguards you against the losses that can

arise due to a fire or risks that are stated below:-

What does Bajaj Allianz Fire policy cover?This Policy may cover various assets such as Building, Plant & Machinery,

Stock, and Furniture, Fixtures against loss or damage due to: Fire

Lightning

Explosion/Implosion

Aircraft Damage

Riot, Strike, Malicious Damages & Terrorism

Storm, Tempest, Cyclone, Typhoon, Hurricane, Tornodo, flood,

inundation,

Impact damage Subsidence, Landslide and Rock slide

Missile Testing operations

Bush Fire

Bursting and/or overflowing of Water Tanks, Apparatus and Pipes

Leakage from Automatic Sprinkler Installations

What additional covers does this policy offer ?

Further, on payment of additional premium, the following additional coverage

may be selected:-

Architects, Surveyors & Consulting Engineers fees (in excess of theprovisions of the standard policy)

Debris Removal (in excess of the provisions of the standard policy)

Forest Fire

Impact Damage by your own vehicles etc.

Spontaneous combustion Omission to insure Additions, Alterations or Extensions

Earthquake (Fire & Shock)

Spoilage Material Damage Cover

Leakage & Contamination Cover

Loss of Rent Alternative Accommodation


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KEY BENEFITS

Get your two-wheeler insurance or insurance renewal in easy steps. Cashless claims at over 1500 preferred garages. Receive 75% on account payment

when cashless facility is not available. Transfer up to 50% of your existing No Claim Bonus from any insurance provider. Avail of our 24x7 telephonic service for claims support and other assistance, even on

holidays. Towing facility in an event of a breakdown/accident. Instant claims assistance and SMS updates on your motor claim status through our

24x7 call-centers. Bajaj Allianz's preferred workshops give you access to hassle-free inspection and

bring to you high service standards. 0% interest EMI option available on payment through Citibank Credit Card.

WHAT IS COVERED ??

Loss or damage to your two-wheeler against natural calamities Fire, explosion,

self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest,inundation, cyclone, hailstorm, frost, landslide and rockslide.

Loss or damage to your two-wheeler against man-made calamities Burglary,theft, riot, strike, malicious act, accident by external means, terrorist activity, any

damage in transit by road, rail, inland waterway, lift, elevator or air. Personal Accident CoverCoverage of Rs.1 lakh for the individual owner/driver of

the vehicle while driving or travelling and mounting or dismounting from the two-wheeler. Optional personal accident covers for co-passengers available.

Third Party Legal Liability Protection against legal liability due to accidental

damages resulting in the permanent injury or death of a person, and damage causedto the surrounding property.

EASY CLAIM PROCESS !

Step 1: Send your Vehicle for Repair

o If you send your vehicle to a preferred garage for repairs, you will be able to availcashless facility. To locate a preferred garageclick here

o For Theft Claims: In case of a theft claim, file a police complaint immediately in

writing and inform us on our Toll Free Number: 1800-209-5858.
http://apps.bajajallianz.com/gmlocator/garages.phphttp://apps.bajajallianz.com/gmlocator/garages.phphttp://apps.bajajallianz.com/gmlocator/garages.phphttp://apps.bajajallianz.com/gmlocator/garages.php


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POLICY BENEFIT !

WHAT IF IM IN URGENT NEED OF CASH ABROAD..?

One of the important features of our travel policies is Emergency Cash Advance. It isan assistance service wherein the company facilitates providing emergency cash to

the insured during incidents such as theft/burglary of luggage/money or hold ups byco-coordinating with the insured person's relatives in India to provide emergency

cash assistance to the insured person as per his requirement, up to the limit

specified in the policy schedule.

WHAT DOES OUR TRAVEL POLICY COVER ?

If you are travelling abroad with your family, this package is specially

devised for you. It covers the entire family (self & spouse - upto 60 years

of age and 2 children - under the age of 21 years) for medical

eventualities abroad and provides floater benefit to individual family

members.

Coverages Benefits in US $

Medical Expenses, Evacuationand

Repatriation50000

Emergency dental pain relief included in (I)above

500

Loss of Baggage (Checked)Note: Per Baggage maximum 50 % and peritem in the baggage 10 %.

250**

Delay of Baggage 100

Personal Accident

Only 50% of the Sum assured in respect of

the death of the insured person below age of18 years

10,000***

Loss of Passport 150

Personal Liability 2,000

**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% ofthe Sum assured in respect of the death of the insured person below age of 18 years


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WHAT ARE THE EXCLUSIONS AVAILABLE TO BAJAJ ALLIANZ TRAVEL POLICY ?

Any medical condition or complication arising from it which existed before the

commencement of the policy period, or for which care, treatment or advice wassought, recommended by or received from a physician.

Routine physical or other examination where there is no objective indication of

impairment of normal health. Medical expenses beyond the expiry of the policy period. Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder,

anxiety/stress/depression/nervousness having no underlying physical illness as a

cause; venereal disease, alcoholism, drunkenness or the abuse of drugs. Manual work or hazardous occupation, self-exposure to needless peril (except in

an attempt to save human life), engaging in any criminal or illegal act. Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out

of any of the foregoing. Experimental, unproven or non-standard treatment. Treatment by any other system other than modern medicine (also known as

Allopathy). The cost of spectacles, contact lenses, hearing aids, crutches and all other

external appliances and/or devices whether for diagnosis or treatment.

Delay of baggag e when the intended destination is in India. Loss or damage to the insured's passport as a result of the confiscation or

detention by customs, police or any other authority. Loss which is not reported to the appropriate police authority within 24 hours of the

discovery of the loss, and in respect of which an official report has not beenobtained.

Loss caused by the insured's failure to take reasonable steps to guard against theloss of passport

HOME INSURANCE

As a homeowner, you invest a lot of time, money and care into making your home

look beautiful for the festival. But don't stop there - give your home the best possible

protection from unforeseen incidents with Bajaj Allianz Home Insurance plans.

At Bajaj Allianz, we understand that whatever be the market value of your house,


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your home is invaluable. That's why we bring you a comprehensive home insurance

cover, which will protect not only your home, but also the belongings inside it

KEY BENEFITS

Provides protection for property, domestic and electronic appliances, interests of the

insured and their family members in a single policy Affordable premium Attractive rebates Waiver of under-insurance

WHAT IS COVERED ??

1-BURGLARY AND THEFT

This policy provides you the peace of mind you need, it covers you from

The damage caused due to housebreaking and thefts Protection provided on first loss basis i.e. 40% of the total value of contents along

with list of value needs

The total sum insured should be the market value of the property.

Exclusion:

Loss of livestock, motor vehicles, pedal cycles and money stamps (Unlessspecifically declared.) Burglary/House breaking where any member of the insured'sfamily is the principal

2-jewellery and precious items

Jewellery today has become an integral part of our lives for any occasion. Weprovide a policy which safeguards this asset by covering any jewellery possessed bythe insured.

Valuation Certificate is required to cover jewellery and precious items.

3-electronic equipment

This section is meant to cover the repair or replacement costs in respect of electronicequipments caused by any unforeseen and sudden physical loss (except a cause

specifically excluded) whilst contained in or fixed at the Insured's premises.


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Exclusions:

Manufacturing defect Damage resulting due to wear and tear, gradual deterioration, climatic conditions,

rust, corrosion and insects Costs incurred in connection with functional failures due to willful act or gross

negligence of the insured

Deductibles: The Insured shall bear the first 10% or Rs.2500/- (whichever is higher)

of any claim concerning computers, and the first 10% or Rs.500/- (whichever ishigher) of any claim concerning any other item of electronic equipment.

4-BAGGAGE

This section will cover the accidental loss or damage caused to personal baggage

accompanying the Insured or Insured's family while traveling anywhere in India.

5-PERSONAL ACCIDENT INSURANCE

Accidents are sudden and often result in large financial implications.

Our policy makes provisions to protect such losses by covering you and your familymembers under this section Details of each person along with the amount insured forthem have to be mentioned.

6-PERSONAL LIABILITIES,WORKMENS COMPENSATION

Sometimes our actions can cause injuries or property damages to third parties. In

such cases coping with the liability can result in a large financial burden. We coversuch risks as well

Group Discounts

the following discounts can be given in the premium if you opt for moresections

5/6 sections - 15% on all sections except Section 1 7 or more - 20% on all sections except Section 1

EXCLUSIONS


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No indemnity would be available under the policy for the following cases:

Consequential loss of any kind or description Loss or damage caused by depreciation or wear and tear Damage to contents of a consumable nature Loss or damage to mobile phones or similar communication devices Loss of or damage to valuables, jewellery or precious items Other exclusions as listed in the policy wordings

MARINE INSURANCE

MARINE HULL INSURANCE POLICY

Marine Hull Insurance

Bajaj Allianz insures a large number of Coastal and Inland vessels.

Bajaj Allianz specializes in the following under the Marine Hull Business:-

Ocean Going Vessels Coastal Vessels

Inland Vessels

Yachts and Pleasure Crafts

Port Crafts Ship Building

Charter's LiabilityBajaj Allianz currently participates in the insurance of some of the largest fleets in

India. We insure a large number of Coastal and Inland vessels. Our team is

comprised of experienced and dedicated members to manage this line of business.

At Bajaj Allianz we take a proactive approach in claims settlement. We are backedby one of the strongest hull insurers in the world - Allianz and we leverage the global

expertise of Allianz.

Basis of Sum Insured

Marine Insurance policies are issued on 'agreed value basis' and should be basedon invoice and covering incidental expenses.

What are the types of Coverage offered?

The following table contains the types of coverage offered. All overseas transits aresubjected to Institute Cargo Clauses, given by Lloyds Underwriter and Technical


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Committee, London. The brief coverage is:-

Risks Institute Cargo Clauses

(Proximate Cause) A(All riskCover)

B(WiderCover)

C(BasicCover)

Stranding , Grounding, Sinking or Capsizing Yes Yes Yes

Overturning or Derailment of Land Conveyance Yes Yes Yes

Collision of Ship or Craft with another Ship or

CraftYes Yes Yes

Contact of Ship, Craft or Conveyance with

anything other than Ship or Craft (excludes Waterbut not Ice)

Yes Yes Yes

Discharge of Cargo at Port of Distress Yes Yes Yes

Loss overboard during Loading/Discharge (totalloss only).

N/A Yes No

Fire or Explosion Yes Yes Yes

Malicious Damage Yes No* No*

Theft/ Pilferage Yes No No

General Average Sacrifice Yes Yes Yes

Jettison Yes Yes Yes

Washing Overboard (deck cargo) Yes Yes No

War Risks No* No* No*

Seawater entering Ship, Craft, Hold,

Conveyance Container Lift Van or Place ofStorage

Yes Yes No

River or Lake Water entering same Yes Yes No


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Loss or damage due to faulty design

Contractual liabilities

Consequential Losses

Cost of replacement / repair or rectification of defective material and / orworkmanship

MONEY INSURANCE

Money Insurance

Money insurance policy by Bajaj Allianz covers:-

Loss of money in transit caused by robbery, theft, or any fortuitous event.

Loss of money from the insured's premises during business hours caused

by theft or robbery Loss of money from the insured's safe or strong room caused by theft or

robbery.The term money includes cash, bank drafts, currency notes, treasury notes,

postal orders, money orders and postage stamps. The loss of money in transit

must occur whilst being carried by the insured or his authorized employee, that

is, the employees named in the schedule.

Extensions

The policy can be extended to cover the following risks:-

Unnamed employees: The operative clause of the policy refers to employees

named in the schedule. Often large corporations seek money insurance tocover unnamed employees. The policy can be extended to cover unnamed

employees at an extra premium.

Carriage of cash by contractor's employees: Often, corporations contract outthe task of cash carriage. The policy can be issued to include carriage of cash

by contractors' employees. Policies can be issued to cover only contractor'semployees provided all cash carriage is contracted out.

Exclusions

The Policy does not cover loss or damage arising from:- Any consequential losses of any kind Loss arising out of the infidelity of the insured or employees Loss of money from the insured premises where the money is not kept

in a safe or strong room after business hours, money carried under a

contract of affreightment Loss of money from an unattended vehicle


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Loss in any way contributed to by the insured Loss caused by AOG perils

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