Your family and home mean everything to you. If you worried about the safety of your treasured belongings, Fortunately, The Iffco Tokio General Insurance Company provided the Home Suvidha Policy and Home family Protector policy which is an insurance policy that safeguards your house from all unfortunate things. The Iffco Tokio Home Insurance Policy is the best House Protector Insurance Policy and also to cover all the valuable things in your property. Iffco Tokio General Home Insurance Policy is the best policy to cover or to protect your house.
Iffco Tokio Home Insurance Policy
The Iffco Tokio General Insurance Company offers Iffco Tokio Home Suvidha Policy & Home Family Protector Insurance policies. These two home insurance Policies protect your home from fire, Lightning, flood, earthquakes, burglary and also from the natural disasters. The Iffco Tokio Home Insurance Plan provides Security to your family from natural or man-made calamities. This Iffco Tokio General Home Insurance Policy is not only for home but also for the private things like Mechanical, Electronics & Electrical things. It is the best policy to keep your home secure. So buy a new Iffco Tokio Home Suvidha Policy or Home family Protector Insurance Plan to protect your home from the uncertainties. Therefore, check all the details of Iffco Tokio Home Insurance Plan Benefits, Features, Coverages & Exclusions given below.
The Iffco Tokio Home Insurance Plan provides protection and safety for your house from disasters and damages. This Policy covers all assets and valuable things owned by you. As per customer requirements, the Iffco Tokio General Insurance Company provided Online Premium Payment option, Buying Option, Online Renewal, Claim status, etc., to save their time. Buying a Policy through online & Renewal Online, Claiming the Policy, Online Premium Calculator is easier than the offline. We have given the Online Buying Process, Claiming Process, Iffco Tokio Online Renewal, Premium Payment Process of Home Insurance Policy below. And also check all the Iffco Tokio General Home Insurance Plan Benefits, Features, Coverages and Exclusions provided below.
Iffco Tokio General Home Insurance Policy Benefits & Key Features
Iffco Tokio House Property Insurance Policy has many benefits and features. The Policyholder can check the following Features & Benefits that are offered by Iffco Tokio General Home Insurance Policy.
Iffco Tokio Home Suvidha Policy Features & Benefits
- Limit of Liability.
- The basis of Claim settlement.
- The cost of dismantling and re-erection for the purpose of repairs.
- Ordinary freight to and from the repair shop.
- Customs duties and other dues.
- Repair Basis.
- Total Loss Basis.
Iffco Tokio Home Family Protector Policy Features & Benefits
1. At no extra charge:
- This Policy Covers of Costs with building regulations the following damage.
- Contents moved to any other place to use as a temporary residence.
- Automatic increase in Sum Insured for 15 days before and after the wedding of any of your family member.
- This benefit is applicable for risks under Section 2 also.
2. On Payment of Additional Premium:
- Professional fees of architects, surveyors, etc. for the superintendence of building during reinstatement following a loss.
- Debris removal cost.
- Escalation of Sum Insured throughout the year to guard against inflation.
- Loss of rent as landlord and additional expenses on rent whether you are a landlord or tenant.
IffcoTokio Home Protector Insurance Plan Coverages
The Iffco Tokio General’s Home Insurance Policy is designed to cover the damage or loss caused to your house & Family due to fire and some special perils. It covers the destruction of loss/ damage to the insured family & Property Package by any of the following perils:
Iffco Tokio General Home Suvidha Insurance Plan Coverages
- Fire and Allied Perils (Contents).
- Burglary and other Perils (Contents).
- Television / Video Equipment.
- Personal Accident.
- Fire and Allied Perils (Building).
- Personal Computer.
Iffco Tokio General Home Family Protector Insurance Plan Coverages
This Policy has provided 12 sections to protect your household assets, interests, liability as well as for your personal self, your family members and domestic employees. The Sections are:
- Fire and Allied Perils (Section1)
- Fire explosions
- Bursting/overflowing of water tanks.
- Malicious damage.
- Landslide etc.
- Burglary and other Perils (Section 2).
- All Risk (Section 3).
- Fixed Glass and Sanitary Fittings (Section 4).
- Electronic Equipment (Section 5).
- Home Enterainment Equipment, Portable Computer/Mobile Phones and Pedal Cycle (Section 6 A/B/C).
- Breakdown of Electrical/Mechanical Appliances (Section 7).
- Personal Accident (Section 8).
- Loan Payment Protection (Section 9).
- Baggage (Section 10).
- Liability (Section 11 A/B/C).
- Increased Living Expenses (Section 12).
Iffco Tokio General Insurance Home Plan Exclusions
The Iffco Tokio General Insurance Company provided major exclusions under this Insurance Policy. The Major exclusions under this Policy are in respect of loss or damage due to:
Iffco Tokio General Home Suvidha Policy Exclusions
- Damage caused due to war risk.
- Wear and Tear.
- Consequential Loss.
- Existing Damage.
- Matching of Items.
- Terrorism Damage.
- In Case of Personal Computer, the claim amount is 5% subject to a minimum of Rs. 2,500/-.
- The Damage occurs due to faults/ defects at the commencement of this insurance which are known to you & your family and also negligence of you & your family are not covered.
- This Policy does not cover the damage occur due to the influence of operation like wear and tear, cavitation, erosion, incrustation.
- Any cost incurred in connection with the elimination of functional failures unless such failures were caused by Damage covered under this Section of the Policy.
- Under the terms of Maintenance Agreement, Damage for which the manufacturer/ supplier is responsible either by law or under contract/ any amount recoverable.
- Cost incurred/ time involved in the movement of equipment and other property and personnel outside Geographical Limits, other than the cost of delivery for equipment parts Damaged.
- Damage occur due to consumable items like bulbs, valves, tubes, ribbons, fuses, seals, belts, wires, chains, exchangeable tools, objects made of glass, porcelain or ceramics and operating media as well as aesthetic defects like scratches etc. unless such parts are affected by an indemnifiable Damage to the insured item itself).
- Damage arising through fitting, adjustment, repair or dismantling of any part of said equipment/installation other than by an authorised representative of an Electronic Equipment manufacturer, dealer or that of a reputed repairer.
- Any cost required for alteration, improvement or overhaul or for making drawings, patterns and core boxes.
Iffco Tokio General Home Family Protector Policy Exclusions
Some of the important Exclusions under the Iffco Tokio Home Insurance Policy are as follows:
- The Damage Caused due to war, invasion, an act of foreign enemy, hostilities, civil war, rebellion, revolution, etc.
- Any damage occurred due to the commandeering, confiscation, requisition or destruction by order of any government or lawfully constituted authority.
- Any damage caused directly or indirectly by contributed to or arising from ionising radiation or contamination by radioactivity.
- Depreciation and damage caused by wear and tear or gradual deterioration.
- Damage to property and contents due to pollution of any kind.
For more details regarding the Iffco Tokio General Insurance Home Policy, check the broucher given below.
Add-ons of Iffco Tokio General Home Loan Insurance Plan
There are some important points for the Policyholders to keep in Mind. They are as follows.
Home Suvidha Policy Special Conditions
The liability in this section of Policy in respect of any item causing damage will cease if the said item is kept in operation after a claim without being required to our satisfaction.
Home Family Protector Policy Special Conditions
- In Iffco Tokio Home Family Protector Policy, insured must cover a minimum of 5 sections out of the 12 sections.
- If you cover 6 sections or more, then there is a provision for a premium discount.
- In respective of Sections 1 to 7, insurance is on Reinstatement value basis for which the Sum Insured should represent the value of new property including freight, duties, etc.
- This Policy does not cover or apply to clothing & linen items of Section 1 and 2.
- Apart from a few Sub-limits on Specific items under any section of the Policy, no maximum limits specified for the sum insured.
- In Case of damage occur at any time, if the property value is greater than the Sum Insured opted by you then the claim will pay in the same proportion. This is applied to the sections 1,2,3,4,5,6 and 7 only.
For More Information check Iffco Tokio Home Savidhan Policy Broucher
Iffco Tokio Home Insurance Policy Buying Process
The Iffco Tokio Home Insurance Plan buying procedure is available here. The Buying procedure of Home Insurance policy is very simple if you have all the information regarding documents with you. Before buying the Home Suvidha Policy & Home Family Protected Policy, read the Plan details carefully. The Appointee can buy the House Property Insurance Plan in two ways either offline or online. For offline Process, you have to visit the nearest Iffco Tokio General Insurance Company Branch Office. For Online Process, refer the Official Website and fill the application form or proposal form for the relevant policy.
The Documents required for buying the Iffco Tokio Home Insurance Policy are
- Application form / Proposal form along with the photo.
- Age Proof.
- Address Proof.
- House Papers.
- Home Number etc.
Iffco Tokio Home Savidhan & Family Protector Insurance Plan Claim Process
Under this Policy, the claiming process is extremely simple, and the settlement is too fast. Check the Iffco Tokio House Package Policy Claim Process here.
Approach the General Home Insurance Corporate Ltd through any one of the given options.
- Phone (Help Line Number 1-800-103-5499).
- Email notification.
- By letter / Fax.
- Submitting manual claim form at any of Iffco Tokio General Insurance branch.
- Your Insurance Representative.
Required Details to claim Home policy:
- Insured’s details.
- Policy Number.
- House Number.
- House Papers
- Loss details such as
- Date of Loss
- Type of Loss
- Loss Location
- Contact details for communication.
- Completed & Signed claim form along with supporting documents.
How can I renew my IffcoTokio Home Insurance Plan?
The Home General Insurance Renewal process is possible in two ways, i.e., offline and online. For offline renewal, you have to visit the Iffco Tokio General Insurance Company Branch Office within the grace period. The Policyholder must fill the corresponding forms regarding the policy and make payment. Check the Renewal process of Iffco Tokio Home Loan Insurance Policy through Offline.
Iffco Tokio Home Loan Insurance Policy Renewal Process
- The Policyholders must visit the the Iffco Tokio General Insurance Company nearest branch office.
- Submit the Renewal Form to the company.
- And also submit the required documents to Renew your policy.
- Pay the amount & Renew the Policy there.
- After renewal, Continue your policy & pay the Premiums.
Iffco Tokio General Home Loan Insurance Premium Calculator
Premium is the Minimum Amount that you need to Pay to buy and also to Renew your Home Insurance Policy. You can calculate the Minimum Premium amount you need to pay to take the Iffco General Home Insurance Policy By Using the Iffco Tokio General Insurance Premium Calculator. The Amount of Premium Paid will Depends on your property, and also on any Extra Coverages. You need to enter the Information below to calculate your House Package Insurance Policy Premium.
Required Details to calculate Premium of Home Insurance Plan
- Policy Number.
- House Number.
- Policyholder Name.
- Sum Assured.
- Mobile Number.
- Address proof.
- Date of Birth.