Property and Misc Insurance

Portable Electronic Equipment Insurance

Electronic equipment can be very expensive and is easily susceptible to theft and damage. To protect your interests, HDFC ERGO’s Portable Electronic Equipment policy covers accidental damage and breakdown including fire, theft, robbery and malicious damage to new portable electronic equipment such as broadcasting, film, camera, audio-visual, diagnostic and medical equipment.

  • Our Policy provides All risk cover including fortuitous or accidental damages. Coverage listed as below but limited to:
  • Fire
  • Electrical and Mechanical breakdown
  • Theft, robbery and Riot, Strike, Malicious Damage
  • Fortuitous or Accidental damages

World wide Coverage

We advise it should be current replacement value of equipments.

The policy does not cover loss and/or damage from

  • War, and war like perils
  • Acting on behalf of or in connection with any political organisation, requisition or destruction or damage by order of any government de-jure or de-facto or any public, municipal or local authority
  • Nuclear Reaction, Nuclear radiation or radioactive contamination
  • Willful act or willful negligence of the Insured or his representative
  • Derangement of the Insured property not accompanied by damage otherwise covered by this policy
  • Pre existing faults or defects at the time of commencement of the insurance
  • Wear and tear, cavitations, erosion, corrosion, incrustation, gradual deterioration due to atmospheric conditions
  • Normal maintenance of the insured items
  • Loss of or damage to hard disk & read-write head whilst in transit except when caused by an insured damage to the whole computer
  • Scratches on painted polished or enamelled surfaces
  • Any unexplained disappearance of the Insured item
  • Terrorism
 
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