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All Risk Insurance

The basis of the contract is the proposal form. The consideration for indemnity being premiums. Upfront payment of premiums is mandatory before commencement of cover.

Any property that may be damaged or destroyed by any accident or misfortune arising from some fortuitous circumstances within the limits set in the schedule, the Company will indemnify the insured to the extent of intrinsic value of such property not exceeding the total sum insured on condition that:

• All notices and communications in relation to the policy are sent to the Company in writing.

• Official receipts for premium payments are valid and signed by authorized persons.

• No endorsements or alterations on terms and conditions unless done by an authorized officer.

• The policy will not cover:

Any loss or damage directly or indirectly occasioned or contributed by or in connection with earthquake, volcanic eruption, wear and tear or depreciation, deterioration occasioned by atmospheric conditions, hostilities or war like operations, electrical or mechanical breakdown, faulty manipulation, loss outside the geographical area, ionizing radiations or contamination by radioactivity from nuclear waste and any consequential loss.