Other InsurancesBurglary Add On

Burglary Insurance

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Burglary Insurance

The Burglary and Housebreaking policy provide cover against loss by burglary Housebreaking i.e. theft following actual, forcible & violent entry or exit from the insured premises including hold up risk, in respect of contents of offices, warehouses, shops, etc. & cash in the safe or strong room, stock in trade, goods held in trust or commission. The policy also covers damage caused to the premises or furniture, fixtures, fittings during the act of burglary.

Key Benefits

  • Insurance for housebreaking and burglary at your business premises
  • Coverage is provided for the first attempt also based on the judicious assessment
  • The policy can be extended to cover theft, riots, malicious damage, and strike
  • Option to buy a declaration policy, floater policy, and floater declaration policy available


  • Loss or damage to the insured property due to burglary and/or housebreaking
  • Damage to premises caused by burglars during burglary or attempts at burglary.
  • In Burglar Policy, the Sum Insured for stocks should be fixed on current market prices. For other items such as furniture, fixture, equipment, etc., the sum insured can be fixed either on Market Value (i.e. new replacement cost less depreciation) or on a Reinstatement Value basis.
  • Floater Sum Insured Policy: to cover the fluctuating stocks at one place or at many places or variations due to seasonality, there is an option to choose Floater, Declaration, or Floater Declaration Policies.

Add on Cover

  • Unless specifically declared and covered: goods held in trust/commission, Cash, jewellery, curios, title deeds, Gold, watches, precious stones, plans, designs, business books.
  • Burglary/theft committed by insiders.
  • Items were stolen from a safe using a key or duplicate key unless it is obtained by violence or threat.
  • Premises left unoccupied and unattended for over seven days.
  • Any consequential loss
  • Any goods lying in the open unless specifically insured.
  • Loss or damage attributable to wilful /gross negligence

Claim Procedure

In the event of loss, following are immediate actions to be taken
To intimate to the insurer the occurrence of loss, submit full statement in writing of the claim, provide the nature and extent of loss and also the estimate of loss. Any delay in intimation might jeopardize the claim as the insurer may express inability in accepting liability of the loss/damage.

  • To take all steps to reduce and minimize the extent of loss damage and liability.
  • Proximate cause of the loss and assess the type/extent and whether it is within the scope of the policy.
  • To extend full co-operation to the insurer and the surveyor appointed for completion of the survey work and proper assessment of the loss.
  • Produce all such records and proof as may be required by the surveyor or the insurer for arriving at the extent of loss and the liability under policy.
  • Provide documents such as, claim form, Claim bill, copy of policy etc.
  • Keep the damaged property under the safe custody until advised by the surveyor/insurer regarding its disposal.
  • Identification of the subject matter insured

Why Choose PrishaPolicy

5 Reasons why you should choose us to be your policy issuing partner of choice. Allow us to tell you why we are one of the fastest growing insurance brokers.

Customer-Centric Culture

For us, you always come first. Our products and services are designed to find the best coverage for all.

A Decade of Market Leadership

Our teams expertise and experience makes them the perfect guides in choosing a policy that fits your needs.

Reliable and Consistent

Rest assured that everything will be taken care of without a glitch. From shortlisting to claims processing & delivering promises without a hitch.

Guided Policy Assistance

Our experts are forever ready to assist you through each policy detail with a fine-tooth comb.

Claims Assistance

Our DNA prompts - Sales is incomplete without timely support. From start to end, we facilitate smooth processing from lodging to settlement.

Still Thinking About It?

Get on a call with us. We take pride in being associated with you for competitively managing your risks with the best insurance covers and delivering a stress-free experience.

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Questions You Might Have

What is General Insurance and what are the different kinds of General Insurance?

General Insurance is essentially Non-Life Insurance. It offers protective coverage for assets other than life. Depending on the kind of asset insured, there are different kinds of General Insurance, such as:
  • Health Insurance, which insures the health of the policyholder
  • Home Insurance, which covers residential properties
  • Vehicle Insurance, which covers automobiles, cars, and other kinds of vehicles, depending on the specific terms of the policy
  • Travel Insurance, which insures the policyholder against several mishaps/accidents that could occur during travel
  • Can I buy General Insurance online? And is it safe to do so?

    Buying General Insurance online is certainly possible. In fact, a number of insurance service providers, including ICICI Bank, offer the option to avail of General Insurance coverage online. And while we're on this subject, it's not only safe to buy General Insurance online, it's also beneficial in a number of other ways. The advantages of buying insurance online include quicker and easier application, lower premiums and the ability to read the documentation first-hand.

    What is the eligibility criteria for purchasing General Insurance?

    The exact eligibility criteria for General Insurance depends on the kind of insurance you are looking for, the terms associated with the policy and the insurance provider you choose. Different kinds of insurance pose different insurance eligibility criteria. For instance, Health Insurance policies may contain age limits and require you to undergo a medical examination. Travel Insurance may come with eligibility criteria related to the nature of travel. To truly understand the eligibility criteria, it is best to read the terms and conditions of the policy carefully.