Documente Academic
Documente Profesional
Documente Cultură
Policy Schedule
Policy Issuing Office:
Reliance General Insurance Co. Ltd.
Corporate office : Reliance Centre, 4 Floor,
South Wing, Near Prabhat Colony,
Santacruz (East), Mumbai - 400 055
Area Code:
2401
Agency Code:
16A30839
Proposal No :
240108025563
Policy No:
2401362616000109
01/10/2016
04/22
Premises to be covered:
At-Pali Road, Near SC/ST Thana, Dehri - on- Sone, Rohtas, Bihar - 821115
Financial Interest:
NA
Period of Insurance:
OWN
Reinstatement Value
Stock & Stock in Trade. (On stock of all kinds of goods pertaining to insureds
Business)
30,00,000/-
80,00,000/-
2,30,00,000/-
Add-Ons opted :
1. Earthquake
2. Terrorism
2,30,00,000/Nil
Excess under the SFSP section for both AOG & Non AOG perils will be as under (Per Insured Per Event)
Sum Insured Upto 10 crore per location 5% of claim amount subject to minimum of Rs 10000/
Sum Insured above 10 crore and upto 100 crore per location 5% of claim amount subject to minimum of Rs 25000
Sum Insured above 100 crore and upto 1500 crore per location 5% of claim amount subject to minimum of Rs 5 lac
Sum Insured above 1500 crore and upto 2500 crore per location 5% of claim amount subject to minimum of Rs 25 lac
Sum Insured above 2500 crore per location 5% of claim amount subject to minimum of Rs 50 lac
Contents :
Other than Stock and Stock in trade (Furniture, Fixture & Fittings- Rs. 10 lac, Plant &
Machinery - Rs. 10 lac, electrical and electronic equipments - Rs. 10 lac)
Stock & Stock in Trade. (On stock of all kinds of goods pertaining to insureds
Business)
30,00,000/-
80,00,000/-
1,10,00,000/-
Warranted that Proper Accounting Procedure should be maintained throughout the policy period.
Warranty for adequate watch and ward facility at the risk location.
VII Baggage: 2401362916000003
Sr. No
Description
1.
Baggage
50,000/-
Excess: 5% of the claim amount subject to a minimum of Rs 2,500 on each and every claim
Conditions :
X
Sr. No.
1.
Name
Age / DOB
Designation
12/03/1976
Proprietor
2,00,000/-
Limit of liability
5,00,000/-
Insurance is the subject matter of Solicitation. IRDA of India Registration No. 103.
Corporate Identification No.U66603MH2000PLC128300.
RGI/MCOM/MI-29/PS/Ver. 1.1/050614
Reliance General Insurance Company Limited.
Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai-400710.
Pan No. AABCR6747B
Corporate Office: Reliance Centre, 4 Floor, South Wing, Near Prabhat Colony, Santacruz (East),
Mumbai - 400 055
An ISO 9001:2008 Certified Company
"Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company
Limited under License."
Amount (Rs.)
20,470/-
Terrorism Premium
Nil
Net Premium
20,470/-
2,867/-
102/-
102/-
Total Premium
Consolidated Stamp duty Paid vide GRAS GRN No. MH004071849201617E dated 07 September 2016 **
** Not Applicable for the State of Jammu & Kashmir.
Note : In the event of dishonor of cheque, this policy document automatically stands cancelled from inception, irrespective of
whether a separate communication is sent or not.
For any assistance on claims, please contact us on 1800 3009 (toll free) or email us at services.rgicl@rcap.co.in
In witness whereof this policy has been signed at New Delhi on the 18.11.2016
Authorised Signatory
Cheque. 001165 Date. 15/09/2016 Amount. 23,541/Attached with this Policy schedule , are the Policy wording along with terms and condition, Endorsement, and Annexure. If you
(Policyholder) have not received any of these, please E-mail/write to the company at rgicl.services@relianceada.com or contact
us on 1800 3009 (toll free) within 15 days of receipt of this policy Schedule
This policy Schedule in original must be surrender to the company. In case of cancellation of the policy. In the event of any
incorrect representation, the liability shall be upon the policy holder.
Insurance is the subject matter of Solicitation. IRDA of India Registration No. 103.
Corporate Identification No.U66603MH2000PLC128300.
RGI/MCOM/MI-29/PS/Ver. 1.1/050614
Reliance General Insurance Company Limited.
Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai-400710.
Pan No. AABCR6747B
Corporate Office: Reliance Centre, 4 Floor, South Wing, Near Prabhat Colony, Santacruz (East),
Mumbai - 400 055
An ISO 9001:2008 Certified Company
"Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company
Limited under License."
considered as being his own insurer for the excess and shall bear a rateable proportion of the loss accordingly. Each item of the
policy (if more than one) to which this memorandum applies shall be separately subject to the foregoing provision.
3. This Memorandum shall be without force or effect if
a) The Insured fails to intimate to the Company within 6 months from the date of destruction or damage or such further time as the
Company may in writing allow his intention to replace or reinstate the property destroyed or damaged.
(b) The Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same or another site.
7. Local Authorities Clause
"The insurance by this policy extends to include such additional cost of reinstatement of the destroyed or damaged property hereby
insured as may be incurred solely by reason of the necessity to comply with the Building or other Regulations under or framed in
pursuance of any act of parliament or with Bye-laws of any Municipal or Local authority provided that
1) The amount recoverable under this extension shall not include:
a) The cost incurred in complying with any of the aforesaid Regulations or Bye-laws,
i) In respect of destruction or damage occurring prior to the granting of this extension,
ii) In respect of destruction or damage not insured by the policy,
iii) Under which notice has been served upon the insured prior to the happening of the destruction of damage,
iv) In respect of undamaged property or undamaged portions of property other than foundations (unless foundations are specifically
excluded from the insurance by this policy) of that portion of the property destroyed or damaged,
b) The additional cost that would have been required to make good the property damaged or destroyed to a condition equal to its
condition when new had the necessity to comply with any of the aforesaid Regulations of Bye-laws not arisen,
c) The amount of any rate, tax, duty, development or other charge or assessment arising out of capital appreciation which may be
payable in respect of the property or by the owner thereof by reason of compliance with any of the aforesaid Regulations or Byelaws.
2) The work of reinstatement must be commenced and carried out with reasonable dispatch and in any case must be completed
within twelve months after the destruction or damage or within such further time as the Insurers may (during the said twelve months)
in writing allow and may be carried out wholly or partially upon another site (if the aforesaid Regulations or Byelaws so necessitate)
subject to the liability of the Insurer under this extension not being thereby increased.
3) If the liability of the insurer under (any item of) the policy apart from this extension shall be reduced by the application of any of
the terms and conditions of the policy then the liability of the Insurers under this extension (in respect of any such item) shall be
reduced in like proportion.
4) The total amount recoverable under any item of the policy shall not exceed the sum insured thereby.
5) All the conditions of the policy except in so far as they may be hereby expressly varied shall apply as if they had been
incorporated herein."
No additional premium shall be charged for inclusion of this clause in this policy.
8. Terrorism Damage Exclusion Warranty
Notwithstanding any provision to the contrary within this insurance it is agreed that this insurance excludes loss, damage cost or
expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of
any other cause or event contributing concurrently or in any other sequence to the loss.
For the purpose of this warranty an act of terrorism means an act, including but not limited to the use of force or violence and /or the
threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or
government(s) committed for political, religious, ideological or similar purpose including the intention to influence any government
and/or to put the public, or any section of the public in fear.
The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any action taken in controlling, preventing, suppressing or to in any way relating to action taken in respect of an
act of terrorism.
If the Company alleges that by reason of this exclusion, any loss, damage, cost or expenses is not covered by this insurance the
burden of proving the contrary shall be upon the Assured.
In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and
effect.
Insurance is the subject matter of Solicitation. IRDA of India Registration No. 103.
Corporate Identification No.U66603MH2000PLC128300.
RGI/MCOM/MI-29/PS/Ver. 1.1/050614
Reliance General Insurance Company Limited.
Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai-400710.
Pan No. AABCR6747B
Corporate Office: Reliance Centre, 4 Floor, South Wing, Near Prabhat Colony, Santacruz (East),
Mumbai - 400 055
An ISO 9001:2008 Certified Company
"Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company
Limited under License."
If you have a grievance, approach the grievance cell of Insurance Company first.
If complaint is not resolved/ not satisfied/not responded for 30 days then
You can approach The Office of the Insurance Ombudsman(Bimalokpal)
Please visit our website for details to lodge complaint with Ombudsman.
Insurance is the subject matter of Solicitation. IRDA of India Registration No. 103.
Corporate Identification No.U66603MH2000PLC128300.
RGI/MCOM/MI-29/PS/Ver. 1.1/050614
Reliance General Insurance Company Limited.
Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai-400710.
Pan No. AABCR6747B
Corporate Office: Reliance Centre, 4 Floor, South Wing, Near Prabhat Colony, Santacruz (East),
Mumbai - 400 055
An ISO 9001:2008 Certified Company
"Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company
Limited under License."
Insurance is the subject matter of Solicitation. IRDA of India Registration No. 103.
Corporate Identification No.U66603MH2000PLC128300.
RGI/MCOM/MI-29/PS/Ver. 1.1/050614
Reliance General Insurance Company Limited.
Registered Office: H Block, 1st Floor, Dhirubhai Ambani Knowledge City, Navi Mumbai-400710.
Pan No. AABCR6747B
Corporate Office: Reliance Centre, 4 Floor, South Wing, Near Prabhat Colony, Santacruz (East),
Mumbai - 400 055
An ISO 9001:2008 Certified Company
"Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company
Limited under License."