Burglary & Theft Insurance
Yeh policy aapki property aur uske contents ko chori (theft) aur khaas taur par ‘Burglary’ ya ‘Housebreaking’ se hone waale financial nuksaan se bachati hai. Yeh sirf chori kiye gaye samaan ka hi nahi, balki us chori ki koshish (attempt) ke dauraan property ko hone waale damage ka cover bhi deti hai.
Burglary aur Theft Mein Main Difference (Buniyaadi Antar):
Insurance ki duniya mein, ‘Burglary’ aur ‘Theft’ do alag cheezein hain, aur policy ka coverage isi par nirbhar karta hai:
Burglary / Housebreaking: Ismein hamesha forcible aur violent entry (jabardasti ghusna) ya exit (bahar nikalna) shamil hota hai. Yani, choron ne tala toda, darwaza toda, ya khidki todkar premises mein ghuse hain. NICL ki standard Burglary policy isi ‘forcible entry/exit’ waale nuksaan ko cover karti hai.
Theft: Yeh koi bhi chori ho sakti hai jismein zaroori nahi ki forcible entry hui ho (jaise ki kisi employee ka chori karna, ya bagair darwaza tode chabi ka istemaal karke ghusna). Aam taur par, standard Burglary policy mein simple ‘Theft’ cover nahi hota, jab tak ki aap ‘Theft Add-on’ na lein ya policy mein explicitly mention na ho.
Coverage Ka Vistar (Scope of Cover) – Kya Shaamil Hai?
NICL ka Burglary Insurance Plan (chahe woh Business Premises ke liye ho ya Householders Policy ka hissa) in main cheezon ko cover karta hai:
Property Loss Due to Burglary:
Policyholder ka woh movable property jo premises ke andar rakha hua hai. Jaise:
Business ke liye: Stock-in-trade (bikne waala samaan), goods held in trust or on commission, machinery, plant, furniture, fittings, aur anya business assets.
Ghar ke liye: Household goods, electronic items, furniture, kapde, aur anmol samaan (jewellery/valuables – agar specifically cover kiya ho).
Nuksaan tabhi cover hoga jab chori actual, forcible aur violent entry/exit ke baad hui ho.
Damage to Premises:
Burglary ya Housebreaking ki koshish ke dauraan choron ne building ya premises ko jo damage pahunchaya hai, woh bhi cover hota hai.
Jaise: Toota hua darwaza, khidkiyan, locks, ya safe/strong-room ko tode jaane ka nuksaan. Ismein repair ya reinstatement ka kharcha shamil hota hai.
Cash and Valuables (Conditions Apply):
Cash, currency notes, shares, stamps, aur precious metals aam taur par tabhi cover hote hain jab woh ek locked safe, strong-room, ya cash box mein rakhe ho aur policy mein unke liye specific limit mention ho.
Hold-up/Armed Robbery (Optional/Inbuilt):
Kuch policies mein dara-dhamka kar ya hathiyar ki madad se ki gayi chori (Robbery/Hold-up) bhi cover ho sakti hai, khaas karke jab woh employees ki presence mein ho.
Extension Covers (Additional Premium Par):
Policy ko extended cover ke saath liya ja sakta hai, jaise:
RSMD (Riots, Strikes, Malicious Damage): Danga, hadtal, ya jaan boojhkar kiye gaye nuksaan se hone waali chori.
Terrorism Cover: Aatankwadi hamle se hone wala nuksaan.
Types of Policies (Policies ke Prakaar):
National Insurance Burglary Plan ko alag-alag zarooraton ke hisaab se offer karta hai:
Business Premises Burglary Insurance:
Factories, offices, godowns, shops, aur warehouses ke liye.
Coverage amount stocks, machinery, aur other commercial assets ki value par based hota hai.
First Loss Basis: Bade warehouses mein jahan pura stock chori hona mushkil hai, wahan total stock value ka ek chota percentage (jaise 10-20%) hi cover kiya jaata hai. Premium kam ho jaata hai, aur claim us percentage limit tak hi milta hai.
Full Value Basis: Property ki full value par insurance liya jaata hai.
Householders/Home Insurance ka Burglary Component:
Residential properties ke liye.
Yeh aam taur par ek broader Home Insurance Package ka hissa hota hai.
Ismein ghar ke contents aur valuables cover hote hain.
Major Exclusions (Kya Cover Nahi Hota Hai) – Important Points:
Policy claim reject na ho, iske liye yeh jaanna bahut zaroori hai ki kya cover nahi hoga:
Simple Theft: Agar chori mein forcible entry/exit ka koi nishaan (visible sign) nahi hai (jaise ki darwaza khula reh gaya ya chabi ka galat istemaal hua), toh standard policy mein claim nahi milega.
Chori by Insured/Employee/Family: Agar chori mein insured vyakti, uske parivaar ka koi sadasya, ya company ka koi permanent employee shamil ho. (Isse ‘Internal Theft’ ya ‘Theft by an insider’ kehte hain).
Property Left Unattended: Agar premises bina proper security ke ya ek lambe samay tak band (uninhabited) chhod diya gaya ho (aam taur par 7-10 consecutive days se zyada) aur iski soochana company ko nahi di gayi ho.
Consequential Loss: Chori ki wajah se business ko hone waala indirect loss (jaise ki chori ke baad production band hone se profit ka nuksaan) cover nahi hota. Iske liye alag se ‘Loss of Profit’ policy leni padti hai.
War/Nuclear Risks: Yudh, aatankwad, ya nuclear activities ke karan hone waala nuksaan (jab tak ki alag se add-on na liya gaya ho).
Uninsured Valuables: Jewelry, furs, business books, ya title deeds jaisi cheezein tab tak cover nahi hoti jab tak unhe specifically insured na kiya gaya ho aur unki value policy schedule mein mention na ho.
Claims Process (Daawa Prakriya):
Chori ya Burglary hone par insured vyakti ko turant (immediately) yeh steps lene chahiye:
Police Report: Sabse pehle, local Police Station mein FIR (First Information Report) lodge karwana zaroori hai, aur uski copy insurance company ko deni hoti hai.
Insurance Company ko Inform Karen: Turant National Insurance Company ko loss ke baare mein inform karein.
Loss Statement: 14 din ke andar nuksaan ki detailed list, chori hue samaan ki approximate value ke saath company ko jama karein.
Investigation: Company ek surveyor/investigator appoint karegi jo site visit karke, forcible entry ke signs, aur nuksaan ka assessment karega.
Indemnity: Agar claim approved hota hai, toh NICL ke paas option hota hai ki woh ya toh nuksaan ki value cash mein de, ya chori hue samaan ko replace (badal de) ya repair karwa de. Indemnity ‘Intrinsic Value’ ya ‘Actual Cash Value (Depreciated Value)’ par based hoti hai, jab tak ki ‘Replacement Cost’ basis par agreement na ho.
Premium Aur Security Ka Connection:
Insurance premium ka rate is baat par nirbhar karta hai ki property kitni secure hai. Agar premises par:
Strong-room/Safe hai,
Ache quality ke locks (jaise Godrej, Chubbs) hain,
24×7 Security Guards hain,
CCTV aur Alarm System laga hua hai,
Toh aise mein risk kam ho jaata hai, aur company premium mein discount de sakti hai. Iske viprit, kamzor security hone par ya high-risk area mein hone par premium badh jaata hai.
Sankshipt Mein (Brief Summary):
NICL ka Burglary & Theft Insurance Plan ek business ya ghar ke liye ek essential safety net hai. Iska main focus Forcible Entry/Exit (Burglary) se hone waale loss aur damage par hota hai. Policy ki shartein aur exclusions ko dhyan se samajhna zaroori hai taaki claim ke waqt koi dikkat na ho. Yeh policy aapke assets ko chori ke jokhim se financial protection dekar, aapko shanti (peace of mind) provide karti hai.