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Why do we need jewellery insurance (1)
- 1. WHY DO WE NEED WHY DO WE NEED JEWELLERY INSURANCE? JEWELLERY INSURANCE?
- 2. It pays to protect it." It pays to protect it." "Jewellery is valuable and also has "Jewellery is valuable and also has memories of your mother, marriage memories of your mother, marriage and many major events of your life. and many major events of your life.
- 3. INTRODUCTION INTRODUCTION Jewellery is insured under Home Insurance Policy. It is desirable that you should know various aspects associated with its security and how to handle its insurance?
- 4. IS JEWELLERY A HAZARD? IS JEWELLERY A HAZARD? Invites Robbery Chain snatching in market /morning walk
- 5. Higher risk during family wedding /function Xray checking at airport screening is revealing - what is in your bag
- 6. Servant /part time workers know all about it,where you keep it Even bank lockers are not safe - read instructions at the entry door of PNB lockers room
- 7. IS THERE A SOLUTION? IS THERE A SOLUTION?
- 8. Robbery while Robbery while it is in your home it is in your home You are wearing it while going to the market or You are wearing it while going to the market or attending wedding functions attending wedding functions When you are travelling or even keeping it in When you are travelling or even keeping it in bank locker bank locker Yes, you can insure it as a part of Home insurance. Yes, you can insure it as a part of Home insurance. R Risks covered : isks covered :
- 9. What to do for insuring your What to do for insuring your Jewellery ? Jewellery ? Divide it into 2 parts: List 1 - Individual items not needing valuation report For PSU's & most companies Rs. 15000 For Bajaj Allianz Rs. 2.50 Lakhs For Tata AIG Rs. 5.00 Lakhs List 2 - All individual items having value higher than a mentioned above. e.g., item having value Rs. 2.60 lakhs needs report for Bajaj Allianz
- 10. These items need valuation by These items need valuation by Government Government Approved Jewellery Valuer. Do not do the Approved Jewellery Valuer. Do not do the mistake of getting valuation done by Civil mistake of getting valuation done by Civil Engineer as it is not valid and is not Engineer as it is not valid and is not acceptable to insurance company. acceptable to insurance company.
- 11. Compile list of 3 jewellers by talking to known persons Compile list of 3 jewellers by talking to known persons Is he ready to come to your home? Is he ready to come to your home? Is he an expert on: Is he an expert on: - - Gold Jewellery Gold Jewellery - - Diamond Jewellery Diamond Jewellery - - Antique/Temple jewellery, which might be part of your heirlooms Antique/Temple jewellery, which might be part of your heirlooms (grandmother/grandmother- in -law) (grandmother/grandmother- in -law) - - Branded jewellery say Tiffany, Cartier. These are more valuable because of Branded jewellery say Tiffany, Cartier. These are more valuable because of brand value . Let Indian Jeweller not value these at 14 Carat Gold price. brand value . Let Indian Jeweller not value these at 14 Carat Gold price. Selection of Valuation Jeweller Selection of Valuation Jeweller - - Other precious stones/ pearls Other precious stones/ pearls
- 12. Expensive jewellery is lost/stolen during air travel/destination wedding's/family wedding. INSURANCE IS A MUST. S.K.Sethi Director RIA Insurance Brokers Pvt. Ltd.
- 13. Remember us for Home insurance quote Remember us for Home insurance quote Always providing you service with a smile Amit Shankar Chatterjee 84477-57653 ria3@surekhae.com Anup Kumar 84477-57650 ria3@surekhae.com Insurance is a subject matter of solicitation IRDAI Direct Broker Registration No. IRDAI/ DB 120/03/205