The cover  itself  is divided into two kinds:-

(1)   Full Conditions or All Risks Cover

(2)   Restricted Conditions

(1) Full Conditions – Professionally packed effects

Comprehensive protection is provided for loss or damage, fire and theft for the insured effects:-

• While being packed including 30 days storage at packer’s premises
• The sea/air and/or land voyage
• Up to 60 days after arrival or until prior delivery and unpacking at destination

Few extensions can be added to this cover at additional premium to be agreed:-

-          Mechanical, electrical or electronic derangement

-          Mould and mildew  (due to climatic conditions) coverage 

-          Pair and set extension – reasonable and fair reduction in value will be considered due to the loss/damage of one part that formed the pair or set

(2) Restricted Conditions – Owner packed effects

Major casualties to the carrying air, sea or land conveyance, total loss during loading unloading plus fire, explosion, lightning natural catastrophes and sea or water perils are covered.

(3) Motor vehicles also can be covered under above lines either Full Conditions (All Risks Cover) or  Restricted Conditions.

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