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Welcome to Tata AIG General Insurance Company Limited’s family & we thank you for choosing Tata AIG Bharat Griha Raksha Policy for your
Home.
We are enclosing Policy schedule/certificate of insurance of your Home. You are requested to visit our website www.tataaig.com for policy
wording. Your policy has been issued based on the information and declaration provided by you.
Kindly go through the enclosed information/declaration provided by you and in case your policy shows coverage's, for which you are not
entitled or any other error/discrepancy then we request you to get in touch with us within 15 days of receipt of the policy for correction
otherwise all particulars will be deemed to be correct.
You may also reach us at our 24*7 helpline 1800 266 7780 for providing any information or in case you desire to have a printed copy of policy
wording.
Authorized Signatory,
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
CERTIFICATE OF INSURANCE
POLICYHOLDER DETAILS :
Name : ARTI SHARMA .
Hypothecation YES
applicable :
COVERS OPTED
1.Home Building & Home Contents Yes
2.Home Building Only No
3.Home Contents Only No
COVER DETAILS :
BASE COVERS
Sr.No Benefits Sum Insured Details Premium
1 a.Home Building INR. 2,852,364 1.Carpet Area:88.3312 INR. 9,684
2.Cost of Construction per unit:INR. 32291.7
3.Construction Type:Pucca
2 a. Home Contents INR. 1,000,000 As per Annexure INR. 4,401
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
IN-BUILT COVERS
Sr.No Benefits Sum Insured Details Premium
3 Loss of Rent INR. 2,400,000 No of months:36 INR. 1,150
PREMIUM DETAILS
Net Premium 15,235.00
UGST/SGST @9 % (Rs.) 1,371.00
CGST @9 % (Rs.) 1,371.00
Total 17,977.00
For full Terms and Conditions please refer to our Policy Wordings on our website https://www.tataaig.com
aa
The Coverage(s) mentioned in this Schedule shall only be available for the Policy
GSTIN: 09AABCT3518Q1ZU - UTTAR PRADESH Service Accounting Code: 997139
The stamp duty of Rs .5 paid in cash or demand draft or by pay order,vide Receipt/Challan no:LOA/CSD/318/2022/1601 dated the 08/04/2022
Authorized Signatory
NOTE :
This Schedule, the attached Add On Covers, Policy and Endorsements mentioned herein above shall be read together and any word or
expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear the same meaning wherever it
may appear.
Please note that the details mentioned in the attached policy are based on information furnished by you.
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
ANNEXURE
Home Contents
Sr.No Items Sum Insured
1 Furniture, Fixtures and Fittings (Home Furnishings) 0
2 Electrical/Electronic 0
3 Others 1,000,000
Total Sum Insured 1,000,000
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
Received with thanks from ARTI SHARMA a sum of Rs. 17977( Rupees Seventeen Thousand Nine Hundred Seventy-Seven And Paise
Zero Only)Direct Debit, Branch Bank Branch Name - AXIS BANK LTD , ALLAHABAD RAC towards
Sr.No. Policy Number Total Premium Utilized from the receipt for policy Balance
1 1901806663 17977 17977 1
Note :
1. This is a computer generated receipt and does not require a signature.
2. Upon issuance of this Receipt, all previously issued temporary receipts, if any, related to this Policy shall be considered null and avoid.
3. Amounts received by cheque shall be subject to realisation.
4. Any amount received in excess of the Premium is being/shall be refunded by the Company.
Revenue (consolidated) Stamp Duty duly paid vide challan No.LOA_NO.CSD/270/2022/727 date 10/02/2022 for applicable cases
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
3. Phone No :
a. Mobile 8545967649,
b. Landline
4. Email id : [email protected]
B .Covers Opted
Is there any policy in place for the same property? : No
8. If Yes, please provide the details :
Cover/s required:
9. (When Home Building and Home Contents are opted for, cover for General Contents of Home for Sum Insured equal to 20% of the
Sum Insured for Home Building Cover subject to a maximum of INR 10 Lakh [Rupees Ten Lakh] is automatically provided).
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
Location of Home Building - full postal address with HOUSE NO.128R/K5/111,MOHALLA PONGHAT ARAZI NO. 331
10.
Pin Code : MAUZA,PONGHAT TALUKA BAMRAULI,,ALLAHABAD,ALLAHABAD,UTTAR
PRADESH,211011
Your Home Building is a building consisting of a residential unit, having an enclosed structure and a roof, basement (if any) and fixtures and
fittings permanently attached to the floor, walls or roof, like fixed sanitary fittings, electrical wiring and other permanent fittings etc.
It also includes ‘additional structures’ if they are on the same site, are used as part of Your Home Building:
a. garage, domestic out-houses used for residence, parking spaces or areas, if any;
b. compound walls, fences, gates, retaining walls, internal roads;
c. verandah or porch and the like;
d. septic tanks, bio-gas plants, fixed water storage units or tanks, solar panels, wind turbines and air conditioning systems, central heating
systems and the like, if not included in Home Contents Cover, any other structure.
b. For additional structures :the amount that is based on the prevailing rate of cost of construction at the Policy Commencement Date.)
Other Details
17.Age of Home Building
18.Construction Details
Please note the following :
(Building(s) having walls and/or roofs of wooden planks/thatched leaves and/or grass/hay of any kind/bamboo/plastic cloth/asphalt/
canvas/tarpaulin and the like are treated as Kutcha Construction.
Construction other than Kutcha Construction is a ‘Pucca Construction’)
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
Construction
Walls
Floor
Roof
(*strike out what is not applicable)
i) Home Contents refer to articles or things in Your Home that are not permanently attached or fixed to the structure of Your Home. Home
Contents may consist of General Contents and/or Valuable Contents.
ii) General Contents are all the contents of household use in Your Home, e.g., furniture, electronic items and goods, antennas, solar panels,
water storage equipment, kitchen equipment, electrical equipment (including those fitted on walls), clothing and apparel and items of
similar nature.
iii) Valuable Contents of Your Home consist of items such as jewellery, silverware, paintings, works of art, antique items, curios and items of
similar nature.
iv) If You have opted for Home Building and Home Contents cover, the General Contents of Your home equal to 20% of the Sum Insured for
Home Building Cover subject to a maximum of INR 10 Lakhs (Rupees Ten Lakh) are automatically covered.
19. If You want to opt out of in-built cover for General Contents as mentioned in (iv) above and want to have higher Sum Insured Or If You have
opted for Home Contents Only cover, please provide item wise Sum Insured for General Contents.
(Sum Insured represents Cost of Replacement)
Item wise Sum Insured for General Contents (in INR):
20.In case of Basement, if there are contents in it, please provide the Sum Insured : 0
i. Sum Insured: 0
ii. No.of months: 0
22. Do You require ‘Personal Accident Cover’ for Yourself and Your spouse? : NO
If Yes,
Name and age of Your Spouse : &
Your Age :
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
23. Do You require ‘Cover for Valuable Contents on Agreed Value Basis (under Home Contents cover)’ : No
(Valuable Contents of Your Home consist of items such as jewellery, silverware, paintings, works of art, antique items, curios and items of
similar nature.)
(You have to submit a Valuation Certificate. However, the requirement of valuation certificate is waived if the Sum Insured opted for is upto
INR 5 Lakh and Individual item value does not exceed INR 1 Lakh).
If Yes, please attach list of items and Sum Insured : 0
I . Premium Details
J.Claims Details
Please specify details of any loss to the proposed Property in last 3 Years:
Date of Loss Cause of Loss Claimed Amount Settled Amount/please specify if claim is outstanding
K.Declaration by Insured
I/ We hereby declare that the statements made by me / us in this Proposal Form are true to the best of my / our knowledge and belief and I / We
hereby agree that this declaration shall form the basis of the contract between me/us and TATA AIG General Insurance Company Limited.
If any additions or alterations are carried out in the risk proposed after the submission of this proposal form, then the same should be conveyed to
the insurers immediately.
Date : 30/06/2022
Any person making default in complying with the provisions of this Section shall be punishable with fine which may extend to ten lakhs rupees.
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
N.B: The Bank shall mean the first named Financial Institution/Bank named in the policy.
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
INSURING CLAUSE
Subject otherwise to the terms, exclusions, provisions and conditions contained in the Policy and in consideration of the payment by the
Insured to the Company of additional premium as stated in the Schedule, it is hereby agreed and declared that notwithstanding anything stated in
the ‘Terrorism Risk Exclusion” of this Policy to the contrary, this Policy is extended to cover physical loss or physical damage occurring during the
period of this Policy caused by an act of terrorism, subject to the exclusions, limits and excess described hereinafter.
For the purpose of this cover, an act of terrorism means an act or series of acts, 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), or unlawful associations, recognized under Unlawful Activities (Prevention) Amendment Act, 2008 or any other related and
applicable national or state legislation formulated to combat unlawful and terrorist activities in the nation for the time being in force, committed for
political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the
public in fear for such purposes.
This cover also includes loss, damage, cost or expense directly caused by, resulting from or in connection with any action taken in
suppressing, controlling, preventing or minimizing the consequences of an act of terrorism by the duly empowered government or Military
Authority.
Provided that If the Insured is eligible for indemnity under any government compensation plan or other similar scheme in respect of the damage
described above, this Policy shall be excess of any recovery due from such plan or scheme.
For the purpose of the aforesaid inclusion clause, "Military Authority" shall mean armed forces, para military forces, police or any other
authority constituted by the government for maintaining law and order.
LOSSES EXCLUDED
This cover shall not indemnify loss of or damage to property caused by any or all of the following:-
1. loss by seizure or legal or illegal occupation;
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.
LIMIT OF INDEMNITY
The limit of indemnity under this cover shall not exceed the Total Sum Insured given in the Policy Schedule or INR 20,000,000,000 whichever is
lower. In respect of several insurance policies within the same compound/location with one or different insurers, the maximum aggregate loss
payable per compound/location and /or arising out of single event by any one or all insurers shall be INR 20,000,000,000. If the actual aggregate
loss suffered at one compound/location and/or arising out of single event is more than INR 20,000,000,000 the amounts payable under individual
policies shall be reduced in proportion to the sum insured of the policies.
EXCESS
1% of the claim amount for each and every claim subject to Minimum of INR 10,000 and Maximum of INR 500,000
CANCELLATION CLAUSE
Notwithstanding the cancellation provisions relating to the basic insurance policy on which this endorsement is issued, there shall be no refund
of premium allowed for cancellation of the Terrorism risk insurance during the period of insurance except where such cancellation is done along
with the cancellation of the basic insurance. Where a policy is cancelled and rewritten mid-term purely for the purpose of coinciding with the
accounting year of the insured, pro-rate refund of the cancelled policy premium will be allowed.
If the cancellation is for any other purpose, refund of premium will only be allowed after charging short term scale rates.
Note: The definitions, terms and conditions of main Policy save as modified or endorsed herein shall apply.
Authorized Signatory.
Note: This Schedule, the attached Policy wordings and Endorsements mentioned here in above shall read together and word or expression to
which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear.
Any amendments/modifications/ alterations made on this system generated policy document is not valid and Company shall not be liable for any
liability whatsoever arising from such changes. Any changes required to be made in the policy once issued, would be valid and effective, only
after written request is made to the Company and Company accepts the requested amendments/modifications/alterations and records the same
through separate endorsement to be issued by the Company.
Insurance is the subject matter of the solicitation.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.