L&T My Asset Super Home Insurance

Introduction –

L&T Home Insurance brings you a special plan “my: asset Super Home Insurance plan” to protect each and every content of your house. It comes with 20 different covers in which 2 are compulsory and rest 18 are optional covers from which you can choose according to your requirements.

Key Features and Benefits –

  • This policy has a special feature through which you can buy this policy online or through phone without any documents hassles.
  • This plan provides you total flexibility i.e. you can choose any cover and any sum assured for that cover according to your requirements.
  • Unique Insurance covers like Purchase Protection, Wallet Protection, Wedding & other Ceremonial Benefit, Pet Dog and Golf Kit.
  • Easy premium calculations, which means the policy buying is totally transparent and hassle-free.

Policy Details –

Coverage – This policy provides with 20 different covers in which 2 are compulsory and rest 18 are optional covers from which you can choose according to your requirements.

Compulsory coverage –

  • Fire & Allied Perils (Reconstruction Cost of Building and/or Contents).
  • Burglary and/or House Breaking for Contents.

Optional Coverage –

Electronic Equipment

Protection to Domestic Appliances.

Plate Glass Protection

Jewellery and Valuables

Baggage Protection.

 

Public Liability

Liability to Domestic Staff.

Purchase Protection

Wallet Protection

Wedding & other Ceremonial Benefit

Golf Plan

Marine Transit

Pedal Cycle and Tricycle

Temporary Re-settlement Expenses

Contents Temporarily Removed

Liability of Tenants to Landlord

Rent for an Alternative Accommodation

Pet Dog

 

 

Policy termination –A policyholder is allowed to terminate the policy at any time by giving a 15 day written notice. In case no claim has been made under the policy, the percentage of premium will be refunded.

Free look period -If you are not happy with the coverage, and terms and conditions of the policy, you have the option of cancelling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Exclusions –

The Policy does not cover loss/damage due to –

1) War, invasion or act of foreign enemy

2) Ionizing radiations or contamination by radioactivity

3) Any consequential loss or damage of any kind

4) Depreciation or wear-and-tear

5) Wilful act by the Insured, his/her family and domestic staff

Documents –

To buy the policy, an applicant has to fill up an ‘Application form/ proposal form’ and submit it along with the address proof and a photograph.