HDFC Ergo Standard Fire and Special Perils Policy

HDFC Ergo Standard Fire and Special Perils Policy Introduction

HDFC Ergo Standard Fire and Special Perils Policy provides protection and safety for your home. This HDFC Ergo Standard Fire and Special Perils Policy protects your home against fire and special perils. HDFC Ergo Standard Fire and Special Perils insurance protects not only home structure but also household contents. HDFC Ergo Standard Fire and Special Perils plan provides insurance cover option at low premium rates. Rebates on premium are available under this HDFC Ergo Standard Fire and Special Perils Policy.

Benefits of HDFC Ergo Standard Fire and Special Perils Policy

• Under this HDFC Ergo Standard Fire and Special Perils house insurance policy, the policyholder can choose the insurance cover option for both building and contents.
• No documentation is provided under this policy.
• Eligibility: The Policy is specially designed for
  • Independent houses or Individuals Residing in flats providing external walls of burnt bricks or stones or concrete blocks and RBC or RCC or tiles or ACC roof.

HDFC Ergo Standard Fire and Special Perils Policy Cover Options

Under this HDFC Ergo Standard Fire and Special Perils policy provides protection against

• Fire and Special Perils – Building and Contents
• Fire
• Lightning
• Riot, Strike and Malicious damage
• Explosion or Implosion
• Aircraft damage
• Impact damage
• Subsidence and Landslide including Rockslide
• Bursting and/or overflowing of water tanks, Apparatus and Pipes
• Missile testing Operations
• Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, flood etc
• Bush Fire
• Earthquake, volcanic Eruption etc
• Leakage from Automatic Sprinkler Installations

HDFC Ergo Standard Fire and Special Perils Policy Premium Rates

Under this HDFC Ergo Standard Fire and Special Perils policy, the premium rates for this section is tabulated below

Premium rates for insurance cover option (per mile/1000) provides only for long-term (Increase in base sum assured by 10% end of every year)

HDFC Ergo Standard Fire and Special Perils Policy Rebates

Discounts on premiums are based on policy period

Rates (per mile/1000) (Long term Discount)

HDFC Ergo Standard Fire and Special Perils Policy Proposal form

The HDFC Ergo Standard Fire and Special Perils Plan requires proposal form while buying this home insurance policy. Required documents to be submitted while buying this policy are attached below

 HDFC Ergo Standard Fire and Special perils Policy Proposal form

HDFC Ergo Standard Fire and Special Perils Policy Claim Procedure

• Initially the policyholder should intimate the company to register claim in the event of any claim.
• After the intimation, a surveyor would be appointed to estimate the loss or damage
• Documents required for claiming are listed below

For any losses or damage due to fire  

• Reconstruction cost of the house
• Fire brigade Report is required(if applicable)
• First Information Report is required(if applicable)
• Repair bills or replacement bills are required as per Surveyor.

Required documents while claiming are attached below

HDFC Ergo Standard Fire and Special perils Policy Claim form

HDFC Ergo Standard Fire and Special Perils Policy Customer care

Any doubts regarding this policy or any complaints then you can contact by below information given

Registered & Corporate Office Address:  1 Floor, 165 – 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020

Customer Service Address: 6 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 66383699

Company Web site: www.hdfcergo.com

Email-Id: care@hdfcergo.com

Exclusions of HDFC Ergo Standard Fire and Special Perils Policy

• Willful destruction of the property are excluded under this policy.
• Damage or loss caused by depreciation or wear and tear are excluded under this policy.
• Under this HDFC Ergo Standard Fire and Special Perils Policy consequential loss of any kind are excluded.
• Damage or loss, indirectly or directly, caused by Nuclear weapons material and Ionizing radiations are not included under this HDFC Ergo Standard Fire and Special Perils Policy.
• Damage or loss caused due to civil war, terrorism, act of foreign enemy are excluded under this policy.

FAQ’s of HDFC Ergo Standard Fire and Special Perils Policy

How to select the sum assured for Building under this policy?

The sum insured for the structure of the house is based on the Reinstatement Value. The reconstruction Building cost is based on 2 parameters which are given below

• Built– up area of the house (square feet)
• Cost of Construction in your area or locality

Reconstruction Cost = (Built-up area of the house) x (Cost of construction in your area or locality).

What is the maximum policy term under this policy?

The policy term is maximum of 5 years under this HDFC Ergo Standard Fire and Special Perils Policy

Is FIR is mandatory for property damage while claiming?

FIR is mandatory for Malicious Damage, Riot and Strike, Terrorism, Burglary, Theft and Larceny claims. In case of Flood, Storm, Earthquake, Lightning, Subsidence, Impact damage due to Aircraft Losses, FIR is not necessary.

HDFC Ergo Standard Fire and Special Perils Policy forms and Documents

HDFC Ergo Standard Fire and Special Perils Policy Brochure

HDFC Ergo Standard Fire and Special Perils Policy wordings