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This is a specially designed policy which covers accidental loss or damage to electronic equipment.



This is a specially designed policy which covers accidental loss or damage to electronic equipment.

The policy covers the following types of equipments:


  • Electronic data processing machine.
  • Telecommunication equipment.
  • Transmitting and receiving installations(including Radio, TV, Cinema Sound Reproduction and Studio Equipment).
  • Material testing and research equipment.
  • Electro-Medical Installations.
  • Signal and Transmitting units.
  • Office calculators, duplicating machines and Reproduction machines.
  • Control and supervisory units.


Note: The above items should not be portable and mobile

Who can take this policy: This policy can be taken by the owner, lessor or hirer of electronic equipment



The policy covers sudden and unforeseen physical damage including breakdown to the electronic equipment covered under the policy due to any reason not specifically excluded.

Thus it covers damage caused by the following perils:-


  • Smoke, soot, dust, corrosive gases etc.
  • Water and Humidity.
  • Short circuit and Electrical fire risk.
  • Faulty operations, lack of skill.
  • Falling object and entry of foreign bodies
  • Fire, lightning, explosion.
  • Riot and strike and malicious damage and terrorism.
  • Theft and burglary.
  • Natural calamities - flood, inundation, storm, cyclone and earthquake
  • Subsidence, landslide, rockslide.

Loss of damage caused by the following perils are specifically excluded from the scope of the policy.


  • Normal wear and tear and corrosion of parts arising from use and continuous operation (limited to parts immediately affected, subsequent damage to other parts of the unit covered).
  • War, wilful acts, gross negligence.
  • Faults for which third party is responsible by law or contract.
  • Failure due to interruption of gas, water or power supply.
  • Aesthetic defects.
  • Consequential loss of any kind.
  • Loss to consumables and operating media etc.


Who can take the policy?

The sum insured or value of the policy should be equivalent to the present day purchase price of a similar new electronic equipment including all incidental expenses like cost of installation, duty, freight, taxes etc. If the sum insured is less than required as stated above then the claim will only be paid in such proportion as the sum insured bears to the amount required to be insured.


Add on covers

The shop building should be insured on market value basis i.e.depreciated value basis.The contents should be insured on cost price basis. The sum insured for contents under Section I&II should be identical. The sum insured under Sections III,V,VI,VII,IX,X&XI is limited to specified percentage of the sum insured for contents.


How to select the sum insured?

The policy can be extended to include the following risks on payment of additional premium.


  • Damage to external data media for example punch cards, tapes, discs etc. as also the cost of reconstruction of data on this external media caused by a peril covered under the policy.
  • The additional expenditure incurred due to use of a substitute computer system as a result of an accidental damage to the computer insured under the policy and which is covered by the policy.


How to claim?

If a misfortune befalls, leave the worry to us but please intimate such loss/damage immediately to Zoom Insurance Brokers (info@zoominsurancebrokers.com)so that a Competent Surveyor may be deputed to minimize the loss.



  • Zoom Insurance Brokers Private Limited,
    Zoom House, 621, Phase – V, Udyog Vihar,
    Gurugram – 122016. INDIA.
  • info@zoominsurancebrokers.com
  • www.zoominsurancebrokers.com