• An Owner Occupant of Flat/ Apartment/ Independent Building can purchase this policy for his building and/ or contents, jewellery & valuables, Curios, paintings & work of art and portable electronics equipments.
• An Owner Occupant of Flat/ Apartment can purchase this policy for his building on Agreed value basis.
• A Tenant and other non-owners can also purchase this policy for contents, jewellery & valuables, curios, paintings & work of art and portable electronics equipments.

In case of an Insured event giving rise to a claim under the Policy, the insured should immediately intimate the company on the below mentioned contact details.

Customer Service No: 18002700700

Email: care@hdfcergo.com

If the “Building and/or Contents, Jewellery & Valuables, Works of Art, Curios and Paintings, and Portable electronics equipments, if specifically Insured” belonging to the Insured be lost, destroyed or damaged by any fortuitous cause other than those specifically excluded, the Company will indemnify the Insured as per the terms of the policy

• This Policy does not cover the excess of Rs. 5000/- for each and every claim irrespective of claim amount.

• Any consequential loss or loss, destruction or Damage caused by war, invasion, act of foreign enemy hostilities or war like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection, or military or usurped power or seizure, capture, arrests, restraints and detainments of all kings, princess and people of whatever nation, condition or quality what so ever.

• Loss or Damage to Contents due to defective workmanship, material or design, latent defect, wear and tear, depreciation, moth, vermin, termites, Fungi, insects or mildew, process of cleaning, dyeing or bleaching, restoring, repairing, retouching or renovation, inherent vice, warping or shrinkage, the action of light or atmospheric conditions, natural ageing or any other gradually operating cause

• Loss or Damage due to manufacturing defects in Electrical, Mechanical and Electronic Items for which the manufacturer is responsible

• Loss of or Damage to the Property Insured under this Policy falling under the terms of the maintenance agreement

• Loss or Damage due to improper handling, dismantling, fitting adjustment, repair alteration or modification not approved by the makers/manufacturers and/or the agents of makers/manufacturers or use of such property contrary to the directives of the makers/manufacturers and/or his agents

• Loss, destruction or Damage due to breakage, cracking or scratching of Crockery, Glass,Cameras, Binoculars, Lenses, Musical Instruments, Sports Gear and similar articles of brittle or fragile nature, unless caused by fire or accidental external mean

• Loss, destruction or Damage arising from or occasioned by overloading or Strain, Overrunning Excessive Pressure, or test requiring imposition of abnormal conditions in case of Electrical, Mechanical and Electronic Items.