All Risk Policy offers very comprehensive protection to the Insured Interest against any perils including any accident or misfortune not expressly excluded.

List of interests to be covered by us will generally comprise of items such as (* this however is indicative and not exhaustive)

• Camera

• Laptops

• Mobile

• Other portable devices

• Gold Coins etc

1. Damage due to moths, vermin, mildew or inherent defect, wear and tear, gradually operating cause.

2. Damage during any process like bleaching, dyeing, heating, drying etc

3. Over winding denting or internal damage of watches or clocks.

4. Mechanical or Electrical derangement/ breakdown of any article unless caused by accidental external means.

5. Fire arms by rusting, bursting.

6. Damage due to cracking or scratching of interests such as but not limited to household goods, foodstuff, domestic appliances, crockery, glass etc..

7. Loss due to theft from any unattended vehicle.

8. Loss due to theft in connivance with you or your family

9. Damage to interests with difference in intrinsic and commercial value, viz. money, securities, manuscripts, deeds, bonds, bills of exchange, promissory notes, stocks or share certificates, stamps and travellers cheques and the like unless specifically declared and agreed to be insured.

10. Any living creature.

11. Loss directly or indirectly occasioned by or happening through or in consequence of war, Invasion act of foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, Military or usurped power, Confiscation, nationalisation, or any such action

12. Loss or damage due to any action from Public Authority.

13. Nuclear and nuclear group of perils.

14. Consequential loss of any nature

Single Article Limit: Unless specially and separately stated, the Co’s liability in respect of each article or pair of articles shall not exceed 25% of the Total Sum Insured under this policy.

• Waiver Of Improvement, Betterment Or Technological Upgrade Charges

• Escalation Clause

• Parts Undamaged/ Destruction Of Sound Property

• Depreciation Waiver

• Professional Fees

• Claim Investigation & Preparation Clause

In the unfortunate event of any claim under the policy, please intimate IMMEDIATELY to our Call Centre at Toll Free Numbers: 1800 200 4030 or Email at contactclaims@universalsompo.com. Please note that no delay should be allowed to occur in notifying a claim on the policy as the same may prejudice liability

The documents can be scanned and sent across to enable us to start with the claim process. Once we receive the originals the process would be complete

The documents have to be dispatched to the below address:

Universal Sompo General Insurance Co.Ltd. Airoli Office-Unit No.601 & 602,A wing, 6^th floor, Reliable Tech Park, Cloud City Campus, Gut no 31, Mouje Elthan, Thane Belapur Road, Airoli, Navi Mumbai – 400708

Note: Please note that above is the gist. Please read the policy wordings in detail

Contact Details:

Name of the company: Universal Sompo General Insurance Company Limited

Registered & Corporate Office: Office No. 103, 1st Floor, Ackruti Star, MIDC Central Road, Andheri (East), Mumbai 400093, Maharashtra. Tel: 02241659800/ 900

Website: www.universalsompo.com

E-mail: contactus@universalsompo.com

Customer Service: Toll Free Numbers: 1800 22 4030 / 1800 200 4030