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Product Description
Product details of One Year All Risk Protection for Items Rs. 50,001 - Rs. 60,000
- This service is valid for items with price range between Rs. 50,001 - Rs. 60,000
- Upon buying the service, a representative from JGI will call for CNIC & Homeshopping Invoice ID verification
- The service can only be availed for items bought within the last 7 days
- JGI make it affordable with insurance policies that don’t dig deep into your pocket
- Our intuitive processes give you a highly customized insurance plan that fits your needs
- JGI believe we can protect and create a better future for our customers.
About Jubilee General Insurance Co. Ltd.
Jubilee General Insurance Company Limited has a legacy of over six decades of living by its core values, namely; Teamwork, Integrity, Excellence and Passion.
Jubilee General is listed on the Karachi and Lahore Stock Exchanges and has its Head Office in Karachi, along with an extensive and dynamic branch network in all major cities and towns of Pakistan that promises prompt service at the customer’s doorstep.
Jubilee General is the highest rated general insurance company in Pakistan with an Insurer Financial Strength Rating of “AA +” by both the rating agencies of Pakistan i-e JCR-VIS and PACRA and the only insurer in Pakistan to be accorded the Financial Strength Rating of “B+” by A. M. Best.
Above all, at Jubilee General, we remain focused on meeting and exceeding customer expectations.
Jubilee General & Homeshopping.pk
Jubilee General has partnered with Homeshopping.pk to ensure your electronic equipment purchased through Homeshopping are covered for accidental damage and theft round the clock with JGI Purchase Protection All Risk cover, which is an insurance policy with following major coverage:
- Fire & Allied Perils
- Accidental / Impact Damage
- Electrical / Mechanical Breakdown
- Short Circuiting
- Theft/Snatching/Burglary
- Voltage fluctuation
This Policy covers any unforeseen and sudden physical loss or damage to the items insured from any cause other than those specifically excluded and also excludes losses/claims covered under warranty, and is also extended to cover the risk of damage to the item insured due to terrorism.
USP:
Hassle-free:
Jubilee General makes it hassle free to obtain Purchase protection All Risk cover for your electronic equipment purchases from Homeshopping with insurance policy tailored for the value of your purchase equipment and with option of cover for 3,6 or 12 months from date of delivery receipt, That too with no pre-requirement of any documentation.
Convenient:
Buying JGI Purchase Protection All Risk from Homeshopping.pk is as easy as 1,2,3 where you can obtain it online in the comfort of your home or office and with focused plans tailored for your specific purchase and premium payment at time of payment for your insured device itself.
Reliable and Secure:
Jubilee General is a reliable and renowned name of Pakistan with strong market presence and strength. With our speedy claim assistance and presence in all the major cities of Pakistan, we are also the trusted insurance partners of Homeshopping.pk.
How to make a claim?
Claim can be lodged through the claim link available on Homeshopping site or by calling on 111-654-111 Ext:534, 536, 537, 538, 539 or by email on [email protected] and informing the nature of loss and policy number, based on which Jubilee General’s representative shall guide you for the remaining process.
Terms and Conditions:
- Cover to be purchased at time of purchase of item.
- Cover excludes mechanical failure, design defects, perils ideally covered under warranty, and manufacturers defects.
- The Company must be notified and approval obtained before any repair/replacement work being undertaken on the covered items.
- The cover is restricted to address of delivery or any other address designated by the customer/buyer and commodities/items to be kept in the same address for the cover to remain effective except for carriable items such as mobile phones, laptops, however, below mentioned warranties shall be applicable.
- Non-cancellable cover.
- Items insured under the policy may not be replaced with alternate/ substitute items.
- Claims to be notified within 7 days from the date of loss by Customers.
- The Insurer’s liability in respect of each item is limited to the total invoiced value of covered items.
- Premium payment at inception of cover.
- Claims Payable in Pakistan and in Pakistani Rupees.
- Homeshopping.pk is not the risk carriers, Purchase Protection All Risk is an Insurance Product insured and owned by Jubilee General Insurance Co Ltd.
- Premiums mentioned are inclusive of all applicable taxes, levies and surcharges.
- Homeshopping shall be responsible for communicating estimated delivery timeline of the insured item at the time of order confirmation.
- All other terms, conditions, exclusion and clauses as per Jubilee General Purchase Protection All risk policy wordings and clauses.
FAQ's
What is covered under Purchase Protection All Risk Insurance?
Jubilee General’s Purchase Protection All Risk is an insurance policy tailored to cater the losses for your electronic equipment.
JGI’s Purchase Protection (All Risk) includes following major coverages:
- Fire & Allied Perils
- Accidental / Impact Damage
- Electrical / Mechanical Breakdown
- Short Circuiting
- Theft/Snatching/Burglary
- Voltage fluctuation
This Policy covers any unforeseen and sudden physical loss or damage to the items insured from any cause other than those specifically excluded and also excludes losses/claims covered under warranty, and is also extended to cover the risk of damage to the item insured due to terrorism.
Is burglary/snatching covered out of the documented premises/address?
The cover is restricted to address of delivery or any other address designated by the customer/buyer and commodities/items to be kept in the same address for the cover to remain effective except for carriable items such as mobile phones, laptops & Tablets, however, below mentioned warranties shall be applicable.
- Warranted that theft of the subject matter insured will be covered only if it is proved by the insured that theft has taken place by external, forcible and/or violent means.
- Warranted that the subject matter will not be held covered while it is left unattended in parked car or public place.
- Mysterious/unexplained disappearance is excluded.
What value of the insured item is covered?
The item insured shall be covered for the invoiced value on which it has been purchased from Homeshopping.pk.
What mandatory information is required to activate the policy?
Jubilee General’s Representative shall call to collect your CNIC number and Homeshopping’s order number of the electronic device to be insured to activate the policy.
On providing above details, the policy will be emailed to your registered email address.
Are there going to be any deductions applicable on claim?
Yes. A deductible of 10% of loss amount shall be made.
How can a claim be lodged?
Claim can be lodged by calling on 111-654-111 Ext:534, 536 , 537, 538, 539 or by email on [email protected] and informing the nature of loss and policy number, based on which Jubilee General’s representative shall guide you for the remaining process.
Within how many days of incident can a claim be lodged?
Claim should be lodged immediately at time of loss or maximum within 7 days from date of loss.
Who should I contact in case of further queries?
Queries can be made by contacting Homeshopping.pk customer service numbers or by calling on 111-654-111 Ext: 534, 536, 537, 538, 539 or by email on [email protected].
Can this policy be purchased as a standalone cover?
No. This Jubilee General Product is exclusively available through Homeshopping.pk for electronic items purchased from Homeshopping.
What is the period of insurance for this cover?
Purchase protection All Risk is available on Homeshopping.pk in variants of 3, 6 and 12 months period. The cover period shall initiate from the date on which the item is received by you up to the period of the chosen plan.
How can I pay the premium? Will there be any additional charges on it?
The premium will be invoiced at the time of checkout and shall be payable as per the chosen payment method. The premiums mentioned are all inclusive of all applicable government taxes, levies and charges and no additional/hidden charges will be applicable in addition to the invoiced premium amount.
Can I cancel my policy and get a refund?
Purchase Protection All Risk policy is non-refundable and non-cancelable except for when the insured item is returned to Homeshopping.pk.
What type of Items/losses/damages are excluded?
- Mysterious/unexplained disappearance is excluded.
- Mechanical failure, design defects, perils ideally covered under warranty, and manufacturers defects.
- Public/ Product Liability/ Consequential losses of all descriptions.
- Loss of data and software.
- Loss or damage to property in care, custody and control of the Homeshopping.
- Risk of atmospheric disturbance, flood, bursting and overflowing of pipes is excluded for items kept in open / open to sky.
- Losses due to war, riots, civil commotion, strike, revolution rebellion, etc.
- Repair/replacement necessitated due to normal wear and tear is not covered.
- Cover does not include items falling within the scope of a public recall or factory service bulletin issued by the manufacturer, or items more specifically insured under other insurances.
- Cover excludes all non-Electronic items, firearms, parts thereof and ammunition, items bearing and or related to in any way to human remains, pornography and illegal narcotics/drugs Commodities that have been classified as hazardous material, dangerous goods prohibited or restricted articles by IATA (International Air Transport Association), ICAO (International Civil Aviation Organization), any applicable government department or other relevant organization.
- Cover excludes those shipments marked delivery to P.O. Box address or suedo / routing addresses.
- Items that are damaged during the delivery period / in transit from vendor to customer.
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