National Policy Warding Home Insurance
SECTION VIII
BAGGAGE
The Company will indemnify the Insured and/or such members of his/her family as are permanently residing with him/her in respect of personal baggage accompanying the Insured or his/her family members belonging to him/her or for which he/she is responsible whilst traveling anywhere in India whilst on tour on holidays LOST, DESTROYED or DAMAGED by ACCIDENT OR MISFORTUNE, provided that the liability of the Company in respect of the property so lost, destroyed or damaged shall be limited to its actual value at the time of happening of such loss but not exceeding in any one period of insurance in respect of each of the several item’s specified in the Schedule the sum set opposite thereto respectively.
SPECIAL EXCEPTIONS: The company shall not be liable in respect of:-
a) - Loss or damage due to cracking scratching or breakage of lens of glass whether part of any equipment or otherwise or of China, marble, gramophone, recors, and other articles of a brittle or fragile nature, unless such loss or damage arises from accident to vessel, train vehicle or aircraft by which such property is conveyed.
b) - Loss or damage caused by moth, mildew, vermin or any process of cleaning, repairing or restoring to which the property is subjected.
c) - Loss of or damage in any electrical machines, apparatus fixtures or fitting (including wireless sets, radio television sets and tape recorders) arising from over running, excessive pressure, short circuiting-arcing, selt heating or leakage of electricity from Whatever cause(lightning included).
d) - Loss or damage caused by mechanical derangement or overwinding of watches and clocks.
e) - Theft from car except from car of fully enclosed saloon type having all doors, windows and other openings securely locked and properly fastened
f)- Loss or damage whilst being conveyed by any carrier under contract of affreighment.
g) - Loss or damage to money, securities, manuscripts, deeds, bills of exchange promissory notes stock or share certificates, stamps business books or documents, jewelly, watches furs, precious metals, precious stones, gold and silver ornaments travel tickets, cheques and bank drafts.
h) - Loss or damage to articles which did not from part of the contents of any of the packages when the journey commenced unless specifically declared and accepted by the Company.
i)- Loss, destruction of or damage to articles of consumable nature.
j) - Loose articles such as sticks, Straps, Umbrellas, Sunshades, Fans, Deck chairs, property in use on the voyage and/or journey or articles or clothes whilst being worn on the person or carried about.
k)- Loss, destruction or damage caused by or arising from the leakage spilling or exploding of liquid oils or materials of a like nature or articles of a dangerous or damaging nature.
l) - Any tour to travel undertaken within the municipal limits of the village, town or city wherein the insured is permanently residing.