Personal Portable Gadgets and Personal Belongings

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What is FG All Risk?

We understand you have several valuables that deserve to be insured too. This is why we designed our ‘Future Generali All Risk' cover to help you secure all your personal portable equipment, home appliances, jewellery, antiques, fine arts & collectables on an all-risk basis.

Why buy FG All Risk for Personal Portable Gadgets and Personal Belongings?

Our Future Generali All Risk plan helps you cover portable electronic devices like mobiles, tablets, laptops, cameras, projectors, etc. and personal belongings like spectacles, wristwatches, handbags, wallets, etc. at a premium starting at as low as Rs. 100. When you buy the plan, you will receive a worldwide cover including electrical and mechanical breakdown.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

Insure belongings and electronic devices against loss, fire damage, riot, strike, theft, burglary, accident, etc.
A worldwide cover
Cashless repair facility for specific equipment
Inbuilt cover for electrical and mechanical breakdown

What is covered?

INCLUDED

Projector
Laptops
Mobiles
iPads
Digital Wrist Watch
Camera
Microphone
Bluetooth Headphones
Tablets / Notebook Computers
Digital Pen
Musical Instruments
AR & VR Headsets
Handbags
Wallets
Spectacles

Add on covers

You can pay an additional premium to get the following optional covers:

Sabotage and Terrorism Cover Endorsement (Material Damage Only)

Rent for hiring alternate equipment (Max for 30 days)-applicable for cameras only

What is not covered?

NOT INCLUDED

Loss or damage caused by delay, detention or confiscation by customs or other governmental authorities
An unexplained or mysterious disappearance of the insured item
Loss or damage caused by aridity, humidity, exposure to light or extremes of temperature
Aesthetic damages which do not affect the functioning of the property like dents, scratches, broken plastic on ports and antennas, etc.
Loss or damage caused by war, warlike operations, an act of a foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation, arrest restraints and detainment by the order of any government or any other authority

You can pick any one of these 4 categories

Personal portable gadgets and belongings

Basis of sum insured would be replacement value of such items, as mentioned in the schedule. The coverage is on worldwide basis including electrical & mechanical breakdown on covered property.

Home appliances

Basis of sum insured would be replacement value of such items, as mentioned in the schedule. The coverage is within anywhere in india basis including electrical & mechanical breakdown on covered property.

Jewellery and precious items

Basis of sum insured would be agreed value or market value basis, as mentioned in the schedule. It is covered anywhere in india including bank locker / while worn by the insured or their family members. The same can be extended to worldwide if required.

Antiques, fine art & collectables

Basis of sum insured would be on agreed value basis. It is covered anywhere in india and the same can be extended to worldwide if required.

How Can I Purchase
FG All Risk?

1
Get a quick quote
We only need some basic details to give you a quote.
2
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
3
Pay and get your policy
Now pay the premium and get your policy in your inbox!

What happens after purchase?

Once you have purchased the policy, you will receive the following-

Policy Schedule You will receive the policy schedule. It contains details of the cover of your policy. It also contains details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc. in this policy.
Premium Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
Policy Coverage and Terms & Conditions This document contains important details of the policy cover. Please read the policy wordings for full details about the terms and conditions.
Claim Form You can submit your claim online or fill out and submit this form to your nearest branch. You can also email the claim form to us.
Complaint/Feedback Form If you have any complaints/feedback, you can fill in the form and submit it to the nearest branch. You can also email the form to us.
Grievance Redressal If you are unsatisfied with our response to your complaint, you can approach the Insurance Ombudsman. This form tells you the process of approaching the ombudsman, along with their addresses.

What is the claim process?

Our claim settlement process is fast and relaible.

1

Give us a notice of the loss
2

Inform the respective authorities about how the item got lost or damaged.
3

Fill out the claim form and make true and full disclosure.
4

Submit all documents supporting the claim
5

Provide complete cooperation for the inspection and investigation of the claim

FAQs - Frequently Asked Questions

Why should I choose Future Generali All Risk?

With the ALL Risk cover, you can protect portable electronic devices like-

Mobile
Tablet
Laptop
Camera
Projector, etc.

Can I get any add-ons with the All Risk cover?

Yes. You can pay an extra premium to get an optional Sabotage and Terrorism Cover Endorsement (Material Damage Only) with the Future Generali All Risk cover.

What is the basis of indemnity?

For partial loss- Reinstatement or repair cost
For total loss/BER (Beyond Economic Repair)- Market value of the insured item
If the value of the item is greater than the sum insured, you will have to bear the difference cost yourself

How can I make a claim?

Follow these steps to make a claim under the Future Generali All Risk policy-

Give us a notice of the loss
Inform the respective authorities about how the item got lost or damaged
Fill out the claim form
Submit all relevant documents
Provide complete cooperation for the inspection and investigation of the claim

What documents do I need during the claim?

After making a claim, you must present the following documents for the verification and payment-

Duly Filled and Signed Claim form
Vouchers/ proof of ownership and other evidence to prove the claim
Estimate of loss/repairs
Invoice/ Bills/Receipts
Fire Brigade Report, wherever applicable
FIR Police Panchanama
Valuation Report, wherever applicable
Photographs, if taken by the Insured
Original Warranty booklet having customer signature
Any other details/documents called for a specific loss

Where can I contact in case of a claim?

You can call on our 24 hours call centre on 1800 103 8889 or Fax on 1800 103 9998. Or mail us at fgh@futuregenerali.in.

Download documents

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PRODUCT NAME: HEALTH GADGET | UIN NO: IRDAN132RP0001V02200809 | LAUNCH DATE: 24TH OCTCOBER 2024

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