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Standard Fires and Special Perils
Fire and allied perils the mandatory section covers structure and contents including farm implements- Need Help
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1800 102 1111
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Gramin Samriddhi Bima
- Package policy with eight sections which can be customised
- Cover for Agricultural Pump Set
- Covers Animal Driven Cart
- Flexible Sum Insured
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Comprehensive & Affordable
Coverage for Farm Owners
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Animal Driven Cart Cover
Animal Driven Cart section covering cart as well as death to animal(s)
Burglary Cover
Burglary section for Contents including Agricultural Contents
Agricultural Pump Set
Various optional sections like Agricultural Pump-set, Pedal Cycle, Personal AccidentNote - Any one section from the optional sections is mandatory
Why Gramin Samriddhi Bima?
A Policy Specially Designed for Farm Owners
SBI General’s Gramin Samriddhi Bima offers farm-owners affordable coverage for their properties at all times. This policy provides comprehensive coverage by means of various sections to cover the building, its contents, animal cart, agricultural tractors, pedal cycles, etc.
Who Can Buy This Policy?Any farm owner can buy this policy.
Key Feature
- Comprehensive coverage with eight sections
- Reinstatement /Replacement basis of Sum Insured for structure and contents under Section I basis
- Flexible sum insured options
- Hassle-free claims process
- Protection for animal driven cart, agricultural tractors, tillers, harvesters, etc.
Coverages
- Coverage under Standard fire and special perils (Section 1)
- Fire, lightning, explosion/ implosion
- Aircraft damage
- Riot, strike & malicious damage
- Storm, cyclone/ typhoon, hurricane, flood etc
- Impact damage
- Subsidence and landslide including rockslide
- Bursting and/ or overflowing of water tanks, apparatus & pipes
- Missile testing operations
- Leakage from automatic sprinkler installations
- Burglary, house breaking & theft (Section 2)
- Animal driven cart (Section 3)
- Personal accident (Section 4)
- Television and set-top box (Section 5)
- Agricultural tractors/power tillers/harvesters (Section 6)
- Agricultural pump set (Section 7)
- Pedal cycle (Section 8)
This policy covers the following subject to the terms and conditions:
Note: It is compulsory to purchase Section 1(a or b) and at least one other section.
- Coverage under Standard fire and special perils (Section 1)
Exclusion
- Normal depreciation or wear and tear
- Using the animal/vehicle for purposes other than the stated activity
- Accidents or incidents while intoxicated
- War, warlike perils, consequential loss
- Loss due to nuclear and radioactive material
- Loss or damage assignable to manufacturer/supplier
Note: The above information is only indicative in nature. For a comprehensive list of inclusions & exclusions, please read the policy wordings carefully.
Key Feature
Coverages
Exclusion
Key Feature
- Comprehensive coverage with eight sections
- Reinstatement /Replacement basis of Sum Insured for structure and contents under Section I basis
- Flexible sum insured options
- Hassle-free claims process
- Protection for animal driven cart, agricultural tractors, tillers, harvesters, etc.
Coverages
- Coverage under Standard fire and special perils (Section 1)
- Fire, lightning, explosion/ implosion
- Aircraft damage
- Riot, strike & malicious damage
- Storm, cyclone/ typhoon, hurricane, flood etc
- Impact damage
- Subsidence and landslide including rockslide
- Bursting and/ or overflowing of water tanks, apparatus & pipes
- Missile testing operations
- Leakage from automatic sprinkler installations
- Burglary, house breaking & theft (Section 2)
- Animal driven cart (Section 3)
- Personal accident (Section 4)
- Television and set-top box (Section 5)
- Agricultural tractors/power tillers/harvesters (Section 6)
- Agricultural pump set (Section 7)
- Pedal cycle (Section 8)
This policy covers the following subject to the terms and conditions:
Note: It is compulsory to purchase Section 1(a or b) and at least one other section.
Exclusion
- Normal depreciation or wear and tear
- Using the animal/vehicle for purposes other than the stated activity
- Accidents or incidents while intoxicated
- War, warlike perils, consequential loss
- Loss due to nuclear and radioactive material
- Loss or damage assignable to manufacturer/supplier
Note: The above information is only indicative in nature. For a comprehensive list of inclusions & exclusions, please read the policy wordings carefully.
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FAQs about Gramin Samriddhi Bima
Here are the commonly asked questions about Gramin Samriddhi Bima
The maximum age is 30 years. Also, the building is inclusive of independent houses, flats/ apartments or bungalows, etc.
The maximum SI should be the cost of construction at the time of claim.
Electrical or Mechanical breakdown due to the short circuit is also covered.
Son cannot take the policy if the property is in the name of the father. It is mandatory that the building owner should be the policyholder considering insurable interest.
Product UIN
IRDAN144RP0001V02202021
Disclaimer:For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
SBI General Insurance and SBI are separate legal entities and SBI is working as Corporate Agent of the company for sourcing of insurance products.
Tax Benefits are subject to change in Tax Laws
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Our mission is to provide simple and innovative general insurance solutions, be responsive to our customers' needs and build a sustainable business for the future.
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