video, data or combination thereof) or by means of electronic, computer, automated machines network or through other means of
telecommunication, established by or on behalf of the Company, for and in respect of the Policy or its terms, or the Company‟sother
products and services, shall constitute legally binding and valid transactions when done in adherence to and in compliance with the
Company‟s terms and conditions for such facilities, as may be prescribed from time to time.
10. Duties of the Insured/ Insured Person on occurrence of loss
On the occurrence of any loss, within the scope of this Policy the Insured /Insured Person shall:
a) Forthwith file / submit a Claim Form in accordance with 'Claim Procedure'.
b) Allow the Surveyor or any agent of the Company to inspect the lost / damaged properties premises /goods.
c) Assist and not hinder or prevent the Company or any of its agents in pursuance of their duties.
d) Not to abandon the insured property / items in the premises, nor take any steps to rectify / remedy the damage before the same
has been approved by the Company or any of its agents or the Surveyor.
If the Insured / Insured Person does not comply with this provision of this Clause, all benefits under this Policy shall be forfeited, at the
option of the Company.
11. Right to inspect
If required by the Company, an agent / representative of the Company including a loss assessor or a Surveyor appointed in that behalf
shall in case of any loss or any circumstances that have given rise to the claim to the Insured / Insured Person be permitted at all
reasonable times to examine into the circumstances of such loss. The Insured / Insured Person shall on being required so to do by the
Company produce all books of accounts, receipts, documents relating to or containing entries relating to the loss or such circumstance
in his possession and furnish copies of or extracts from such of them as may be required by the Company so far as they relate to such
claims or will in any way assist the Company to ascertain in the correctness thereof or the liability of the Company under this Policy.
12. Position after a claim
The Insured / Insured Person shall not be entitled to abandon any insured property whether the Company has taken possession of
the same or not. As from the day of receipt of the claim amount by the Insured / Insured Person, the Sum Insured for the remainder of
the period of insurance shall stand reduced by the amount of the compensation.
13. Indemnity
The Company may at its option, if applicable reinstate, replace or repair the property or premises lost or damaged or any part thereof
instead of paying the amount of loss or damage or may join with any other insurer in so doing. The Company shall not be bound to
reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner. In no case shall the Company
be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of
such loss or damage and in any event not more than the sum Insured Person thereon.
If in any case the Company shall be unable to reinstate or repair the insured property/item, because of any law or other regulations in
force affecting insured property or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be
requisite under this Policy.
14. Subrogation
Subrogation shall mean the right of the Company to assume the rights of the Insured Person/Policyholder to recover expenses paid
out under the Policy that may be recovered from any other source.
The Policyholder/ Insured Person shall at his own expense do or concur in doing or permit to be done all such acts and things that
may be necessary or reasonably required by the Company for the purpose of enforcing and/or securing any civil or criminal rights and
remedies or obtaining relief or indemnity from any other party to which the Company is/or would become entitled upon the Company
paying for a Claim under this Policy, whether such acts or things shall be or become necessary or required before or after its payment.
Neither the Policyholder nor any Insured Person shall prejudice these subrogation rights in any manner and shall at his own expense
provide the Company with whatever assistance or cooperation is required to enforce such rights. Any recovery the Company makes
pursuant to this clause shall first be applied to the amounts paid or payable by the Company under this Policy and any costs and
expenses incurred by the Company of affecting a recovery, where after the Company shall pay any balance remaining to the
Policyholder. This clause shall not apply to any Benefit offered on fixed benefit basis.
15. Contribution
Contribution is essentially the right of the Company to call upon other Insurers liable to the same Insured to share the costs of an
indemnity claim on a rateable proportion of Sum Insured.
If at the time when any Claim arises under this Policy, there is any other insurance which covers (or would have covered but for the
existence of this Policy), the same Claim (in whole or in part), then the Company shall not be liable to pay or contribute more than its
ratable proportion of any Claim.
This clause shall not apply to any Benefit offered on fixed benefit basis.
16. Fraudulent claims
If a Claim is in any way found to be fraudulent, or if any false statement, or declaration is made or used in support of such a Claim, or
if any fraudulent means or devices are used by the Policyholder / Insured Person or anyone acting on his/ their behalf to obtain any
benefit under this Policy, then this Policy shall be void and all claims being processed shall be forfeited for all Insured Persons and all
sums paid under this Policy shall be repaid to the Company by the Policyholder / all Insured Persons who shall be jointly liable for
such repayment.
17. Cancellation
Reliance Inland Travel Care Policy
UIN: IRDA/NL-HLT/RGI/P-T/V.I/316/13-14