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Reliance General Insurance

Reliance Burglary and Housebreaking Insurance Policy Features

Creating assets takes years of hard work, but one theft can leave you crippled financially. The Reliance Burglary and Housebreaking Insurance Policy keeps your property safe and gives you the peace of mind that you deserve.

​Key Benefits:

  • Insurance for burglary and housebreaking at your business premises.
  • Cover available on a first loss basis by way of judicious management of probable maximum loss assessment.
  • Policy can be extended to cover riot, strike, malicious damage, and theft.
  • Several variations such as floater policy, declaration policy, and floater declaration policy available.​

Reliance Burglary and Housebreaking Insurance Policy Coverage

  • ​Property such as stocks and furniture owned by the insured in the business premise is covered.\
  • Stocks held in trust/ commission and for which the insured is responsible, if specifically covered.
  • Damage to premises resulting from burglary, and/or housebreaking or any attempt at burglary is covered.
  • Cash, jewelry, valuables, and securities kept in a locked safe or cash box in a locked steel cupboard, if specifically covered

​Policy Options

The following variations with regard to sum insured can be opted for:

  • Floater policy: Issued for stocks at various locations under one sum insured.
  • Declaration policy: Takes care of frequent fluctuations in stocks/ stock values.
  • Floater declaration policy: Comprises features of both the floater and declaration policies.

Reliance Burglary and Housebreaking Insurance Policy Exclusions

​The policy will not pay for the following losses or damage:

  • Loss of goods held in trust/ commission, jewelry, curios, title deeds, business books, unless specifically covered.
  • Burglary without any forcible entry.
  • Shop lifting, or acts where insured or his/her family members or employees are involved.
  • Losses recoverable under fire/ plate glass insurance policy.
  • War threats and nuclear perils.
  • Riot, strike, and malicious damage unless specifically covered.
  • Consequential loss or legal liability of any kind.
  • Premises left uninhabited for seven or more consecutive days, unless specifically agreed upon.
  • Uninformed material alteration in the premises.

​Claim Process

Contact our regional office when the claim occurs. Details of Regional offices can be found in the Reliance General Insurance office locator.

Furnish the following details when intimating your claim:

  • Your contact numbers
  • Policy number
  • Date and time of accident
  • Location of loss
  • The police report: It should include copies of your written complaint to the police and the First Investigation Report (FIR)
  • Claim form: Duly filled and completed in all respects
  • Claim bill: Detailed claim bill with necessary bills and vouchers
  • Documentary evidence about the value of property stolen through invoice, bill, books of account, etc.
  • Final survey report: As made by the surveyor
  • Copy of your burglary insurance policy certificate
  • Letter of indemnity: You should provide a letter of authority in favor of the insurance company, if there is any right of recovery
  • Photographs, if any

Immediate action after loss:

  • Inform the police authorities immediately. Get the FIR and the formal written complaint.
  • Inform the insurance company with a rough estimate of the loss as early as possible.
  • Intimation to the company must be done within 14 days from the day of the loss or damage.
  • Any claim below Rs 2500 will be settled directly.
  • Claims above Rs 2500 will be investigated by a surveyor appointed by the insurance company.