General Exclusions Under the home insurance plans.
The plans benefit shall not be pertinent for any consequential loss or losses, destruction, damage or bodily injury due to
War, invasion, act of foreign enemy, hostilities (weather war be declared or not), civil war rebellion, revolution insurrection mutiny, military, or usurped power, seizure, capture, arrest, restraints and detainments of all kings, princes and people of whatever nation, condition or quality what so ever.
Ionizing radiations contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion (including any self sustaining process of nuclear fission) of nuclear fuel or Nuclear weapons material
Willful act by self or family member or domestic staff.
None of Home Insurance plans offered by TATA AIG shall include loss, damage cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
For each variant of the plans first Rs 250/- in respect of each and every claim shall not be reimbursed,
Any event of Loss, destruction or damage to bullion or unset precious stones, curious or works of art for an amount exceeding Rs 10000/-, manuscripts, plans, drawings, securities, obligations or documents of any kind, stamps, coins, or paper money, cheques, books of accounts, computer system records, explosives shall be covered under the scope of plans, unless otherwise expressly stated in the plan.
The plans benefits shall not cover any loss, destruction or damage to any electrical and/ or electronic machine, apparatus, fixture or fitting (excluding fans and electrical wirings in dwellings) arising from or occasioned by overrunning, excessive pressure, short circuiting, arcing, self heating, or leakage of electricity, from whatever cause (lightning included)
No Expenses necessarily incurred on Architects, Surveyors and Consulting Engineer’s Fees shall be a part of claim in the Home Insurance plans.
The scope of home insurance plans shall not cover the expenses towards debris Removal incurred by the Insured following a loss, Destruction or damage to the Property insured by an insured peril in excess of 3% and 1% of the claim amount respectively.
Loss of earnings, loss by delay, loss of market or other consequential or indirect loss or damage of any kind or description whatsoever is not a part of plan benefits in TATA AIG.
Loss by theft during or after occurrence of any insured peril except a provided under Riot, Strike and Malicious Damage cover.
Any Loss or damage occasioned by or through or in consequence directly or indirectly due to volcanic eruption or other convulsions of nature.
For Accidental death, Bodily Injury or property damage arising out of or incidental to occupational hazard or nature of business, trade or employment,
Any loss or damage due to any structural alterations, additions, repairs or decorations to the property.
If the loss or damage occurs while Your Home is Unoccupied.
If the plan holder or his Family member and/or Domestic Staff are directly and / or indirectly in any way involved in or concerned with the actual or attempted Burglary or Theft.
No claim under any of the plans shall be accepted in respect of any Kutcha Construction.
The cost of repair associated with any malfunction for which the manufacturer or supplier of the domestic appliances is responsible.
The cost of repair associated with loss or damage caused by or in the process of cleaning, maintenance, repair, dismantling;
Loss or damage caused by atmospheric or climatic changes, moths, insects, and vermin;
The first 1% of Benefit Sum Insured or Rs. 250, whichever is the greater of each and every Claim.
For the accidental death benefit under its plan ,the benefit shall not include any expenses In respect of any death, disablement or Bodily Injury caused by, contributed to by, or howsoever arising from Your and/or Your Familys use or misuse of any drugs, alcohol or solvents; actual or attempted suicide, whether assisted or not or intentionally self-inflicted injury;
engagement in dangerous activities;
mounting into, dismounting from or travelling in any aircraft other than as a fare paying passenger on a scheduled flight;
sexually transmitted diseases insanity mental disorder or psychosomatic dysfunction;
commission of any actual or attempted illegal or unlawful act;
Pregnancy, aggravated or prolonged childbirth or in consequence thereof.
The aggravation of any injury, sickness or disease for which medical care, treatment, or advice was recommended by or received from a physician or from which you and/or Your Family suffered or which was present before the commencement of the Period of Insurance.
In the event of any accident, loss or damage of the insured property and the damage or loss falls under any of the plans benefit schedule, the plan holder should inform TATA AIG on urgent basis and further lodge the claim as per plan details. The plan holder may
Call at 24 X 7 Toll Free number of the company