Computer All Risks (F.A.Q) What is covered under All Risks ? Any accidental damage caused by Fire, Lightning, Explosion, Malicious Damage, Theft and Damages done by thieves, damage due to negligence, Impact Damage, Water Damage, Spilling a drink, Breakdown due to short circuit, over-voltage, faulty design/construction/workman ship. What is not covered ? Wear and tear, War, Invasion, Strike, Riot and Civil Commotion, vision insurance health insurance agency Terrorism, Willful neglect, Willful act of the Insured, Loss of use, False programming etc. What other equipment can be covered under this policy ? Fax machines, Photocopiers, Electronic Typewriters, Telephone systems, Electronic testing equipment, air conditioners and any other electronic equipment can be covered under this policy. How can I cover my Laptop when I take it along with me to places full coverage health insurance health insurance agency ? You can cover it by extending the policy to include transit cover at an additional premium. In the event of a claim will I get the total claimed amount ? No policy excess will be deducted and the balance only will be paid. On what basis should I insure the Computers ? It should not be less than the replacement cost (New for health insurance agency health insurance agency old value basis) Can I cover my computers against terrorism activities ? Yes. You can add an additional premium along with the peril Strike, Riot & Civil Commotion. What happens if I do not insure for the replacement value ? Computer All Risks policies are issued on new replacement value basis. In the event of a claim, we will be applying the average homeowners insurance companies health insurance agency clause on the claim.