• The scope of cover is limited to burglary and house breaking only. It does not include related perils like larceny which are not covered by the definition
  • The claim amount reduces sum insured every time a claim is paid. However, the sum can be reinstated on payment of pro-rata additional premium
  • Property insured is covered only when it is lost from the insured prem- ises and not from any other location


In the case of goods, which are of low value in high bulk, (such as cotton in bales, grain, sugar etc) the risk of losing the entire stock on a single occasion is considered remote. The value that can be burgled is then ascertained as Probable Maxi- mum Loss and the premium is charged for this maximum probable loss while covering the entire stock at risk.


There is no tariff regulation and each case is considered on merit. The determining factors include the client himself, situation of risk, the type of property (whether easily saleable in the market), security measures & precautions taken and previous claims experience

The benchmark rate varies between 0.35% to 0.75% (for a standard risk) With regard to rating of the risk in first loss policies, it depends on the proportion the maximum Probable Loss bears to the maximum sum insured with appropriate discount


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