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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on +44 7831 065557 or visit the nearest Metra Trust branch for further queries.

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Home Secure Policy

Home is where the heart is! Buying a house is one of life’s greatest decisions. You spend years of your hard-earned money to buy a place of your own. Yet, many people forget to secure their most important investment. Don’t be one of them! From jewelry to gadgets, your home has many valuables and isn’t just a piece of property.Read More

Get Future Generali’s home insurance and stay financially protected against unfortunate circumstances such as fire, theft, natural calamities, etc. We have plans that cover all your precious personal belongings at any additional premium. Be it the latest gadgets, your expensive bags, beautiful interiors or even your jewelry, home insurance assures everything.Read Less

FEATURES

Coverage for building (structure) and/ or contents

Coverage for building (structure) and/ or contents

Optional covers available for valuable contents

Optional covers available for valuable contents

Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)

Optional cover for personal accident of Rs 5 lakh each for self and spouse (arising out of fire and allied perils)

Plan Variants & Coverages

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    Home Secure Policy covers the below

    • Building
    • Contents (excluding valuables)
      • Fire
      • Explosion or Implosion
      • Lightning
      • Earthquake
      • Storm, Cyclone, Tempest, Hurricane, Tornado, Flood and Inundation
      • Subsidence, Landslide, Rockslide
      • Bush fire,
      • Impact damage
      • Missile testing operations
      • Riot, Strikes, Malicious Damages
      • Leakage from automatic sprinkler installations
    • Loss of rent
    • Cost for alternate accommodation
    • Terrorism
    • Purchase Protection
    • Burglary, Housebreaking and Theft
    • Protection of Valuables
      • Jewelery / Valuables
      • Portable Computer – All risk excluding breakdown
    • Protection of Electronic Equipment
      • Audio visual equipment (Electronic Equipment) – All risk
      • Portable Computer – All risk
    • Protection of Household Mechanical / Electrical Equipment
    • Protection for You and Your Family
      • Accidental Compensation (Personal Accident) – Death / PTD / PPD


    For all coverage please read the brochure and policy wordings together.

Exclusions

  • Consequential loss
  • Loss due to wear and tear
  • Consumable belongings
  • Damage to phones or any other communication devices
  • For all exclusions please read the brochure and policy wordings together

Home Secure Policy

Disclaimer

For detailed information on these products including risk factors, terms and conditions etc., please refer to the product policy clause, consult your advisor or visit our website before concluding a sale.
Home Secure Policy. IRDAN132RP0005V02200809
Insurance is the subject matter of solicitation.
"Metra Trust having its registered office at KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031, is authorized by the Insurance Regulatory and Development Authority of India to act as a Corporate Agent of Future Generali India Insurance Co Ltd., for procuring or soliciting general insurance business under license number CA0106”. The purchase of Insurance products by Metra Trust’s customers is purely voluntary and not linked to availing of any other services from the bank.
Insurance is underwritten by Future Generali India Insurance Co Ltd., with its registered office at Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai - 400 083. IRDAI Reg No. 132. Corporate Identity Number U66030MH2006PLC165287.Read More

The policy will be issued to you by Future Generali and would be subject to the terms and conditions governing such policy. The contract of insurance would be between Future Generali and the insured only, and not between Metra Trust and the insured.Read Less

FREQUENTLY ASKED QUESTIONS

What are the various protections under home Insurance policy?

Home insurance is a comprehensive Package Policy which provides protection to home owner, property and its contents against loss or damage by sudden, unexpected event or accidents.

The Home Insurance Policy covers:

Fire Insurance of the building and home contents

Burglary / Housebreaking

All Risk Insurance for jewellery, ornaments or high value items, portable equipments such as laptops

Electrical and Mechanical failures of domestic appliances

Protection of Electronic Equipment

Personal Accident for your family

Protection against liabilities like tenants legal liability, domestic workmens compensation and public liability

Enhanced protection to include coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.

What are under insurance and average clause?

In simple terms, Under Insurance arises when you insure something for less than its value. In the event of a loss, you shall be at risk of being penalized in the amount you are able to recover. In these circumstances, the insurer may choose to "apply average" to the claim under an "average clause". This means that where the sum insured is inadequate, the insurer can reduce its liability for a claim by applying a proportionate approach.

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