ST ANDARD FIRE &

SPECIAL PERILS

For more details on risk factors, terms & conditions, please read the sales brochure before concluding a sale. Insurance is the subject matter of solicitation. Trade Logo displayed above belongs to
HDFC Ltd. and ERGO International AG and used by HDFC ERGO General Insurance Company under license. CIN : U66010MH2002PLC134869. IRDA Reg No. 125. UID No. 1359.
Long term safety for your
property and possession

HDFC ERGO General Insurance Company Limited

Registered & Corporate Office: 1 Floor, 165-166 Backbay

st

Reclamation, H. T. Parekh Marg, Churchgate,

Mumbai - 400 020.

Customer Service Address: 6th Floor, Leela Business Park,

Andheri Kurla Road, Andheri (E), Mumbai - 400 059.

Toll-free: 1800 2 700 700 (Accessible from India only)

Fax: 91-22-6638 3699

care@hdfcergo.com

www.hdfcergo.com

(Long Term)- House/Dwellings

Few things in life matter as much to you as your home. After all, it's the ELIGIBILITY
heart of your family, your possessions, your priceless investment and your
memories. Get affordable coverage for your property and possessions This policy is designed for:
against almost any eventuality.
Individuals
¡ residing in flats or independent houses provided that the
Now with HDFC ERGO Standard Fire & Special Perils Policy, you can external walls are of burnt bricks/ stone/ concrete blocks and RCC/
ensure the trusted protection for your home. Importantly, it is brought to RBC/ tiles/ ACC roof
you by HDFC, a name synonymous with “home” to millions across India, Policy can be availed by house/flat owners only
¡
and ERGO, one of the world leaders in non-life insurance solutions.
WHAT IS NOT COVERED
WHAT IS COVERED
Losses arising out of Burglary, theft. Housebreaking, larceny
¡
Fire and Special Perils (a) Building (b) Contents Loss and/or damage arising out of War, Invasion, Act of Foreign enemy,
¡
hostilities, etc.
Covers Against Loss or damage due to nuclear perils
¡
Damage to property due to Pollution and contamination
¡
Fire
¡ Loss or damage due to wear and tear, gradual deterioration or slowly
¡
Lighting
¡ developing flaws
Explosion
¡ Consequential Loss
¡
Implosion
¡ Willful Misconduct or Negligence
¡
Aircraft Damage
¡ Loss and/or damage to jewellery, precious stones, money, bullion or
¡
Riots, Strikes and Malicious Damage
¡ documents of any kind unless specifically declared
Storm, Cyclone
¡ Co-operative societies cannot take long term policy for entire society
¡
Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation
¡ building
Impact Damage
¡ Property Under construction cannot be covered under this policy
¡
Subsidence and Landside including Rockslide
¡
Bursting and or Overflowing of Water Tanks, Apparatus & Pipes
¡ (For a detailed list of exclusions, kindly refer our policy wordings)
Missile Testing Operations
¡
Leakage from Automatic Sprinkler Installations
¡ BENEFITS OF BEING INSURED UNDER THIS POLICY
Bush Fire
¡
Covers Risk Against Fire, Lightning, Explosion, Flood, Inundation,
¡
Add ons Storm, Riot, Strike, Malicious damage
(i) Earthquake (ii) Terrorism Coverage upto 15 years
¡
Get Discount upto 50%
¡
HOW MUCH TO INSURE Option to cover Terrorism & Earthquake
¡
Flexibility in customization of policy
¡
The sum insured for Contents is based on the market value. Market Value No documentation, get instant online policy
¡
would mean the current cost minus an allowance for depreciation, in the
event of loss/damage. CLAIMS PROCESS

The reconstruction cost is based on two parameters which are mentioned In the event of any claim, call our Toll-free 1800-2-700-700 to register the
below: claim at the earliest with the details of the nature of loss, location of loss,
amount of loss (approx. estimation) and policy number for reference.
Built– up area of the house (square feet)
¡
Cost of Construction in your area/ locality
¡ Once we receive full and final documentation, we will process the claim
with prompt turn around times.
You would have to multiply the built up area of the house with the cost of
construction to arrives at the reconstruction cost. Reconstruction Cost = For details, kindly refer Policy Wordings.
Built – up area of the house * Cost of construction in your area/ locality.
Disclaimer: The above is descriptive only. The actual terms and conditions
can be found in the policy document. Insured’s are advised to read the
policy document completely for a full description of the terms and
conditions of coverage and the exclusions relating thereto.