Salient Features

  • Flexible Cover Can be varied to suit the needs of the client
  • Cover is wide covering fire, burglary & accidental external means
  • Variable excess can be given according to the needs of client
  • Premium rates are flexible according to the quality of risk and value covered
  • Worldwide cover can be given


Loss damage or destructions directly/ indirectly attributable to:

  • Actions of moth, vermin, mildew, wear and tear or repairs, dyeing or leaching processes or any gradually operating cause
  • Mere breaking/ scratching or cracking of fragile items unless caused by accident to the means of conveyance
  • Any mechanical or electrical breakdown/derangement except due to accidental external means Over winding, denting or internal damage to watches or clocks
  • Thefts from cars except fully closed saloons Consequential losses, any legal liability
  • War perils, nuclear risks, any government/ local authority action Any loss due to insured's action which has contributed to increase in risk
  • Extra cover available on payment of additional premium

About HaYoSha Insurance Advisory

HaYoSha Insurance Advisory (HIA) is a group owned by people of more than three decades experience and one of the leading Insurance Advisory firm offering insurance solution with a customer-centric approach.We at HIA strongly believe in our Values & Philosophy. Our emphasis is strong on Leadership, Dedication, Integrity & Innovation.

    Contact Us

    India: (+91)9619493663

    India: (+91)9820587015