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Burglary Insurance

Burglary insurance policy provides coverage that happened due to burglary, housebreaking, terrorism & other kinds of threats to premises. Protect your property with Burglary insurance!

Policy typeProperty and business insuranceSurvey requirementPre-insurance survey when sum insured exceeds ₹50 lakh at one locationLoss statementWritten loss statement within 14 days
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Quick eligibility check

Burglary Insurance

0 of 7 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: The policy is written for an insured business premises and the insured named in the policy schedule?

Published source: Eligibility / entry rule

2Does your age meet this requirement: the reviewed page and both policy wordings publish no customer-age threshold?

Published source: Eligibility / entry rule

3Do you meet this requirement: Business property, stock, plant and machinery and other scheduled items must be declared and reasonably protected?

Published source: Eligibility / entry rule

4Document checkDo you have at least one of these required documents: Proposal identifying the insured premises, stock, plant and machinery, cash/contents and selected full-value, first-loss or declaration basis?

5Document checkDo you have this required document or proof: Pre-acceptance physical survey is preferably required where the sum insured exceeds ₹50 lakh at one location?

6Document checkDo you have this required document or proof: For a claim: immediate written notice to the insurer and police complaint, detailed loss statement within 14 days, and reasonable information, assistance and proofs?

7Document checkDo you have this required document or proof: Burglar policy document, burglary claim form and burglary policy terms and conditions are listed under Important Documents?

0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Burglary Insurance official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeProperty and business insuranceView source
The policy covers business property against burglary and housebreaking risks.
Source
Burglary Insurance
Page / section
Policy overview
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
What can be coveredStock, plant and machinery, cash and other contents; burglary, theft and housebreaking; riot, strike, malicious damage and terrorism may be added for extra premiumView source
The official page lists insured property and available extensions.
Source
Burglary Insurance
Page / section
Coverage
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Sum insured / coverLiability is limited to the sum insured stated against each item or the total sum insured in the policy schedule. Cover indemnifies the intrinsic value of property at the insured business premises and damage to the premises caused by burglary or house-breaking; first-loss arrangements must be stated in the schedule.View source
The wording indemnifies loss or damage from burglary, house-breaking and hold-up and caps liability at the item or total sum insured stated in the schedule.
Source
National Insurance Burglary Policy (Business Premises)
Page / section
Page 1 — operative clause and sum-insured limit
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Survey requirementPre-insurance survey when sum insured exceeds ₹50 lakh at one locationView source
The page requires a survey above ₹50 lakh per location.
Source
Burglary Insurance
Page / section
Survey
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe National Insurance wording excludes valuables, money and securities unless specifically insured; losses involving an employee, household member or lawful person in the premises; losses recoverable under another policy; riot, strike, terrorism, earthquake, flood, storm and cyclone unless covered; war and nuclear risks; consequential loss or legal liability; and money taken from a safe using its key unless the key was obtained by assault or violence. Cover ceases while premises are uninhabited for seven or more consecutive days or risk is materially increased without insurer consent.View source
The policy lists valuables, employee involvement, other-policy recovery, natural/war/nuclear perils, consequential loss, safe-key theft and seven-day unoccupancy conditions as exclusions or cessation triggers.
Source
National Insurance Burglary Policy (Business Premises)
Page / section
Pages 1–2 — exclusions and cessation conditions
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Loss statementWritten loss statement within 14 daysView source
The page asks for a written statement of loss within fourteen days.
Source
Burglary Insurance
Page / section
Claims
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Burglary coverBurglary insurance covers movable property such as stock, stock-in-trade and plant and machinery when reasonably protected. Cover may be on floater or named-business-premises basis, with full-value, first-loss (not less than 10%) or stock-declaration options.View source
The official Highlights and Features sections publish property types and sum-insured bases.
Source
Burglary Insurance
Page / section
Highlights / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Burglary underwriting precautionsPremises with CCTV and security may receive a better rate. For a proposal with sum insured above ₹50 lakh at one location, a pre-acceptance physical survey is preferably required; large fluctuating stocks may use declaration basis.View source
The official Highlights section gives the security and ₹50 lakh survey threshold.
Source
Burglary Insurance
Page / section
Highlights
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Burglary exclusions and claim timingPublished exclusions include unsecured closed factories or godowns, furrier/jeweller/gold-and-silver-smith proposals, goods lying in the open and consequential loss. The insured must notify the insurer and police immediately and submit a detailed loss statement within 14 days.View source
The official Exclusions and Claims Procedure sections publish the exclusions and notice deadline.
Source
Burglary Insurance
Page / section
Exclusions / Claims Procedure
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
InsurerNational Insurance Company Limited.View source
The policy wording identifies National Insurance Company Limited as the insurer and calls the contract a Burglary Policy for business premises.
Source
National Insurance Burglary Policy (Business Premises)
Page / section
Page 1 — policy heading and preamble
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Eligibility / entry ruleThe policy is written for an insured business premises and the insured named in the policy schedule; the reviewed page and both policy wordings publish no customer-age threshold. Business property, stock, plant and machinery and other scheduled items must be declared and reasonably protected.View source
The product is described as business-premises burglary and house-breaking insurance and the policy contracts identify the insured and premises in the schedule; no age rule appears in the complete reviewed sources.
Source
Burglary Insurance — National Insurance
Page / section
Official page — Highlights/Features; both wordings — preamble and operative clause
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Policy termCover runs during the period stated in the policy schedule, including any renewal or extension accepted by the insurer. The wordings do not print one universal duration; the insured or insurer may cancel with 7 days' written notice subject to the stated refund/short-period rules.View source
The preamble ties cover to the period in the schedule or an accepted renewal/extension; the cancellation clause requires 7 days' written notice.
Source
National Insurance Burglary Policy (Business Premises)
Page / section
Pages 1 and 4 — preamble, period of insurance and cancellation
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsStock, plant and machinery, cash and other contents; burglary, theft and housebreaking; riot, strike, malicious damage and terrorism may be added for extra premiumView source
The manually reviewed product record states: “Stock, plant and machinery, cash and other contents; burglary, theft and housebreaking; riot, strike, malicious damage and terrorism may be added for extra premium”.
Source
Burglary Insurance — official product page
Page / section
Published product metadata
Accessed
20 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Stock, plant and machinery, cash and other contents
  • burglary, theft and housebreaking
  • riot, strike, malicious damage and terrorism may be added for extra premium

Documents the bank lists

  • Proposal identifying the insured premises, stock, plant and machinery, cash/contents and selected full-value, first-loss or declaration basis.
  • Pre-acceptance physical survey is preferably required where the sum insured exceeds ₹50 lakh at one location.
  • For a claim: immediate written notice to the insurer and police complaint, detailed loss statement within 14 days, and reasonable information, assistance and proofs.
  • Burglar policy document, burglary claim form and burglary policy terms and conditions are listed under Important Documents.

Related official documents

burglar policy doc 09 12official-product-document · current · accessed 15 Aug 2026
↗
BURGLARY POLICY (Business Premises)official-product-document · current · accessed 15 Aug 2026
↗
Burglary Insurance — National Insurance — official page and policy wordingsofficial-product-page-and-pdfs · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Burglary / house-breaking · Published ruleLoss or damage to property at the scheduled premises following actual forcible and violent entry or exit

This value is copied from Burglary Insurance — cover, limits and key conditions. Check the table notes before relying on it.

Source: Burglary Insurance — National Insurance · Official page — Highlights, Exclusions and Claims; policy wordings — pages 1–5 and 1–6 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsBurglary Insurance — cover, limits and key conditionsPublished operative cover and the main conditions affecting claims.View tableHide table

Scroll sideways to view every column

Burglary Insurance — cover, limits and key conditions
TopicPublished rule
Burglary / house-breakingLoss or damage to property at the scheduled premises following actual forcible and violent entry or exit
Damage to premisesDamage caused to the premises by burglary, house-breaking or an attempt is covered during the period of insurance
Liability ceilingCannot exceed the sum insured stated against each item or the total sum insured in the schedule
First-loss basisAvailable only when stated in the schedule; the product page describes a first-loss minimum of 10%
Claims noticeImmediate written notice to the insurer and police; detailed loss statement within 14 days
ReinstatementSum insured reduces by paid loss unless reinstated with insurer consent and additional premium
Uninhabited premisesCover ceases after seven or more consecutive days and nights uninhabited without insurer consent
CancellationSeven days' written notice; refund/retention follows the wording's unexpired-period or short-period scale
  • Valuables, money and securities are excluded unless specifically insured; riot/strike/terrorism and other extensions require the applicable schedule endorsement and premium.
Burglary Insurance — National Insurance · Official page — Highlights, Exclusions and Claims; policy wordings — pages 1–5 and 1–6 · accessed 29 Aug 2026Open official source ↗
Table 2 · 7 rows · 2 columnsBurglary Insurance — options, limits and claimsPublished basis of cover, survey trigger, optional extensions and claim timing.View tableHide table

Scroll sideways to view every column

Burglary Insurance — options, limits and claims
TermPublished detail
PropertyMovable stock, stock-in-trade, plant, machinery, cash and contents at insured premises
Basis of sum insuredFull value, first loss (not less than 10%) or stock declaration basis; floater or named premises
SurveyPreferably required before acceptance when sum insured exceeds ₹50 lakh at one location
SecurityPremises should be reasonably protected; CCTV/security may receive a better rate
Optional extensionsRiot, strike, malicious damage and terrorism for additional premium
Published exclusionsUnsecured closed factory/godown, furrier/jeweller/gold-silver-smith proposals, goods in the open and consequential loss
Claim timingImmediate notice to insurer and police; detailed loss statement within 14 days
  • The policy schedule and wording control the exact insured items, limits, excesses and exclusions.
Burglary Insurance · Highlights; Features; Coverage; Exclusions; Claims Procedure; Important Documents · accessed 30 Aug 2026Open official source ↗

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