Delay of / damage to baggage, misplacement of items and even loss of baggage can
be a cause of great concern for organisations whose people travel frequently.
HDFC ERGO’s Baggage Insurance covers all the above and more.
Loss or damage to accompanied personal baggage of the insured by Fire, Riot and
Strike, Terrorism on payment of additional premium, Theft or Accident, anytime,
whilst the insured is traveling on tour and/of on holiday.
- Any loss or damage occurring during routine travel.
- Damage caused by any process of cleaning, dyeing or bleaching, restoring, repairing
or renovation or deterioration arising from wear and tear, moth, vermin or insects
if mildew or any other gradually operating cause.
- Breakage, cracking or scratching of Crockery, Glass, Cameras, Binoculars, Lenses,
Sculptures, Curios Pictures, Musical Instruments, Sports gear, and similar articles
of brittle and fragile nature, unless caused by fire or accident to the means of
conveyance.
- Loss or damage caused by mechanical or electrical derangement /breakdown, of any
article, unless caused by accidental, external means.
- Over winding and bending or internal damage of watches and clocks.
- Loss or damage to Money, Securities, Manuscripts, Deeds, Bonds, Bills of Exchange,
Promissory Notes, Stocks or Share Certificates, Stamps and Travel tickets or Travelers
cheques, Business books or documents.
- Loss, destruction or damage caused by a arising from the leakage, spilling or exuding
of liquids, oils or material or a like nature or articles of damaging nature.
- Theft from any car except car if fully enclosed saloon type having at the time all
the doors, windows and other openings securely locked and properly fastened.
- Loss of / or damage to articles which did not from part of the baggage when the
journey commenced unless specifically declared and accepted by the Company.
- Loss destruction of or damage to articles of consumable and of perishable nature.
- Loose articles such as Sticks, Umbrellas, Sun shades, Fans, Deck Chairs, property
in use on the voyage, and / or journey, or articles whilst being worn on the person
or carried about.
- War and War like perils
- Any loss or damage arising through delay, detention or confiscation by Customs or
other authorities.
- Ionising radiation of contamination by radioactivity Nuclear Weapons Material
- Consequential Loss or legal liability of any kind.
- Loss or damage due or contribution to by the insured having caused or suffered anything
to be done whereby the risk hereby insured against were unnecessarily increased.
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