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Bajaj Allianz Home Insurance

Your home is our most valued possession, a haven of safety.But is it really as safe as we would like to believe? We at Bajaj Allianz realize your need to make your home as secure in reality as it is in your mind. This is why we bring to you the House- Holders' Insurance policy designed to cover various risks and contingencies faced by householders under a single policy.It provides protection for property and interests of the insured and his family members who permanently reside with the insured.A householder's insurance, protects not just your flat but also your domestic and electronic appliances.

Unique Feature
• Very competitive premium rates
• First loss basis option for burglary and jewellery
• Flexible rating for personal accident of the insured
• No valuation certificate required for jewellery upto Rs.2 lacs
• Assembled computers can also be covered under EEI

• Single Proposal form
• Complete coverage at reduced premium
• Client needs being addressed
• Simple and quick documentation
• Related items get covered under respective sections

• No strain on pockets of insured
• Saving on cost
• Customized cover can be opted by the insured
• Save on time while proposing
• Same policy addressing varied needs

General Claim´s procedure
All insurance contracts are based on the information provided by the insured in the proposal form. The proposal form forms the basis of insurance contracts.

Some important points, which would help you in the claims procedure.
•  The loss or damage should be reported to the insurer immediately.
• On receipt of claim intimation, the insurer will forward a claim form.
•  Submit the completed claim form along with an estimate of the loss to the insurer. It is preferable to submit an itemized estimate with separate values.
•  The insurer will arrange for inspection of the damaged items to assess the loss. In case of major losses, a specialist-licensed surveyor is deputed.
•  The insured has to provide the required documents to substantiate the extent of loss.
•  In case the cause of loss is not established, it is for the insured to prove that the loss or damage has occurred due to an insured peril.
•  On agreement of claim amount between the insured and the insurer, the claim is settled.
•  Average Clause - As per the Terms and Condition of the Policy .
•  Excess as stated as per the Policy terms and condition will be deducted from the claim payable.

In view of varied nature of policies, certain points distinct to individual policies, in addition to the above, are listed below : ( Documents mentioned are indications and based on the circumstances of the claim insurer may request additional documents)

Household goods in transit
•  In case any damage is suspected in transit, open delivery should be insisted upon the carrier and their certificate should be obtained.
•  In case of loss/damage in transit, a monetary claim should be lodged with the carrier within the time limit to protect recovery rights, without which, the claim may not be admitted.

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