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Laptop is the quintessential part of our daily life. Highly mobile and private, lives of most of us are incomplete without it. Yet these very features make a laptop highly prone to loss and theft. While losing a laptop is an emotional trauma in itself, it also causes a major monetary loss. This monetary loss can be avoided by purchasing insurance for laptop.
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Laptop Insurance in India
While many standalone laptop insurance policies are available, the laptop insurance policy from New Indian Assurance company stands out. Also called Personal Package Insurance for Executives and Businessmen/ Adhikari Suraksha Kavach, this laptop insurance policy is very well suited for executives who have to travel day in and out with their personal belongings (baggage, mobile phone and Laptop).
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As their work involves a lot of travel, chances that these personal belongings get misplaced, stolen or lost due to other’s negligence (e.g. baggage loss due to negligence of airlines) is very, very high.
Features of Adhikari Suraksha Kavach laptop insurance policy
This insurance provides you a package which covers loss of or damage to your laptop, mobile phone, baggage, jewelery and a host of other options. The package consists of following options:
- Insurance for Laptop – The insurance company will compensate you for a loss of or damage to your laptop on a business trip anywhere in the world. It also includes loss due to theft at home. The insurance company deducts 10 per cent from the sum assured amount of laptop or Rs 5,000, whichever is less.
- Insurance for Cellular phone – The insurance firm will compensate you for any loss or damage to your cellphone due to fire, lightning, theft and burglary, malicious or accidental damage due to external agencies, earthquake, flood, storm, electrical problem and mechanical breakdown. The insurance company deducts Rs 1,000 before disbursing the sum for which cellphone was assured.
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- Insurance against Loss of cash – The insurance covers you against loss of money while travelling within the city or on an outstation trip. However, the maximum amount covered under the plan is a mere Rs 5,000.
- Baggage insurance – The insurance policy also covers against loss or damage to your baggage during a trip anywhere in the world. You will be compensated for the actual loss or up to the sum insured, whichever is less.
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 Image source : http://www.brandslaptop.com |
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- Insurance for jewellery and valuables – If you generally carry expensive jewellery or electronic devices such as digicam, iPod, etc during a journey, it may be a good idea to buy a cover for the likely value of these items.
- In addition you can also opt for Personal accident insurance.
- Mediclaim – Adhikari Suraksha Kavach policy also lets you club together a mediclaim.
- Insurance for Personal liability – This section of the package covers you for a liability in the event of accidental death or injury to a third party or damages to another person’s property caused by negligence on your part.
While opting for this insurance policy from New India Assurance, you cannot, however, opt for insurance for laptop alone. You have to choose a minimum 3 options from ones listed above.
For more details on policy features click here.
Premium rate for this laptop insurance policy
The premium rates are as follows:
- Insurance for laptop – 2% of the sum assured for laptop
- Cellular phone – 2.5 % of the sum assured for cellular phone
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- Loss of Jewellery or Valuables – 1% of sum assured
- Personal accident cover – Rs 0.45-3.00 per 1,000 sum insured*
* Depending on the risk category and benefits chosen.
- Mediclaim – Rs 175-5,770**
** Depending on the cover and age
- Personal liability – Rs 25 for Rs 50,000 sum insured
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For detailed terms and conditions of Adhikari Suraksha Kavach insurance of laptop click here.
As can be easily deduced from premium details above, the premium for insuring your laptop and other valuables is quite low under this policy. An insurance of Rs 1,00,000 costs you around Rs 1,400 only. In addition it saves you the headache of constantly worrying about your belongings.
To apply for this policy you can contact: Uday:9860694300
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