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16th November 2015, 07:59 AM
Super Moderator
 
Join Date: May 2012
Re: HDFC Home Insurance

As you want to get the details of Home Insurance from HDFC ERGO General Insurance Company Limited so here is the information of the same for you:

Features and Benefits of Home Insurance:
Complete Protection:
Avail of protection for both your home and its contents

Optional cover:

Along with extensive coverage, a low cost optional cover for burglary, including theft and larceny is also offered.

Premium discounts:

You can avail of a premium discount 15% for security features at your home

Minimum Documentations:

Minimum & uncomplicated documentation required for this policy.

Exclusions on the HDFC ERGO Home Insurance policy:

Wilful destruction of property
Loss or damage caused by depreciation, wear and tear and consequential loss of any kind
Loss or damage, directly or indirectly, caused by, arising from or in consequence of or contributed to by nuclear weapons material and/or ionizing radiations
Loss or damage, whether arising directly or indirectly from any consequences of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection military or usurped power or civil commotion or loot or pillage in connection therewith.

Commission from General Insurance:

Sr. No Class of business % of premium payable as agency commission
(% of final premium excluding service tax)
1 Fire, IAR and Engineering insurances: -
i - General 10%
ii - Risks treated as large risks under para 19 (v) of File & Use guidelines 5%
2 Motor insurance business (OD portion), WC/EL & statutory Public Liability Insurance 10%
3 Motor Third Party Insurance Nil
4 Marine Hull Insurance 10%
5 Marine Cargo business 15%
6 All other business 15%

The rates of premium on HDFC ERGO Home Insurance policy are as follows:
Section - I Section - II

SFSP Cover BHB Cover
(a) BLDG / In lakhs Base permium Revised premium (with ST 12.36%) (a) Contents / In lakhs Base permium Revised premium (with ST 12.36%) (a) Contents / In lakhs Premium (incl of ST 12.36%)
5 340 382 1 68 76 1 270
7.5 510 573 1.5 102 115 1.5 404
10 680 764 2 136 153 2 539
12.5 850 955 2.5 170 191 2.5 675
15 1020 1146 3 204 229 3 809
17.5 1190 1337 3.5 238 267 3.5 944
20 1360 1528 4 272 306 4 1079
22.5 1530 1719 4.5 306 344 4.5 1213
25 1700 1910 5 340 382 5 1348
27.5 1870 2101 5.5 374 420 5.5 1483
30 2040 2292 6 408 458 6 1618
35 2380 2675 6.5 442 497 6.5 1753
40 2720 3056 7 476 535 7 1888
45 3060 3438 7.5 510 573 7.5 2022
47.5 3230 3629 8 544 611 8 2157
50 3400 3820

Contact Details:
HDFC ERGO General Insurance Company Limited
2nd floor,Centre Point,
Opp B. N. College, Airport Road ,
Sundarwas, Ganesh Nagar,
Udaipur,
Rajasthan 313001
India
[MAP]HDFC ERGO General Insurance Company Limited Rajasthan 313001[/MAP]


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