FICO
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The policy provides cover for loss of money in transit between the insured's premises and bank or post office or other specified places occasioned by robbery, theft or any other fortuitous cause.

The policy also covers loss by burglary or housebreaking whilst money is retained at Insured's premises in safe(s) or strong room.

BASIS OF SUMS INSURED
Cash in transit form and to the bank
Cash at hand during working hours
Cash in hands of authorized persons
Cash in safe after working hours
Estimated annual carryings

EXCLUSIONS
Radioactive contamination
Consequential losses
Losses due to the fraud/dishonesty of the employee of the insured.
Losses which are covered by other policies
Shortages due to errors or omissions
Postal Transit by unregistered mail
Losses due to unattended vehicles

Note: Policy details given are indicative, not exhaustive. Please contact your nearest FICO office for further details.


In the event of an incident giving rise to a claim under the policy, the following steps should be taken:

IN CASE OF ACCIDENTAL DAMAGE TO THE VEHICLE

Immediately inform the nearest FICO office which will issue you a Claim Form.

Submit a Claim Form duly filled in along with a copy of the drivers Driving License and Log Book for the vehicle at the time of accident and an Estimate of Repairs to the insurance company.

The vehicle will be surveyed by a Surveyor appointed by the insurance company and they shall submit the report to the insurance company. In case of major damage to the vehicle a spot survey at the site of accident will also be arranged by the insurance company.

Submit Final bills/cash memos duly signed by the insured.

Salvage of the damaged parts may be required to be deposited with the insurance company after approval of the claim.

IN CASE OF THEFT OF THE VEHICLE

Report theft to the police immediately.

Inform the insurance company and submit a Claim Form duly filled in and a Police Report.

Extend full cooperation to the surveyor and/or investigator appointed by the insurance company.

After approval of the claim by the company, get the Registration Certificate transferred in the name of the company, hand over the keys of the vehicle.

Submit a letter of Subrogation and Indemnity on stamped paper that is also duly notarized.

IN CASE OF LIABILITY CLAIM

Inform the insurance company immediately of any incident likely to give rise to liability claim.

On receipt of a summons from Court, the same should be sent to the insurance company immediately.

Submit a Claim Form duly filled in along-with copies of Diving License, Log Book and Police Report are to be submitted.

Note: Policy details given are indicative, not exhaustive. Please contact your nearest FICO office for further details.

DOWNLOAD CLAIM FORMS

Cash In Transit
Motor Accident
Motor Minor
Personal & Group Accident
Windscreen
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