FIRE INSURANCE COVERAGE : Covers Dwellings,Offices,Hotels,Shops,Industrial, Manufacturing risks & Utilities,tankforms/gas holders located outside the Industrial Manufacturing

risks. Only Standard Fire & Special Perils policy with the permitted ADD ON COVERS, if any, can be issued .

The perils covered under the above policy are: a) Fire b) Lightning c) Explosion/Implosion d) Aircraft D amage e) Riot strike and Malicious Damage f) Storm,cyclone typhon tempest hurricane tornodo flood and inundation g) Impact Damage h) Subsidence and landslide including rockslide i) Bursting and/or overf.lowing of watertanks apparatus and pipes j) Missles testing operation k) Leakage from automatic sprinkler installation and l) Bush fire. TERRORISM : PREMIUM : It is an optional cover with appropriate extra premium. The premium rates are given separately for Dwellings,Offices,Hotels,Shops,Industrial, Manufacturing risks & Utilities,tankforms/gas holders located outside the Industrial Manufacturing risks. Premium for specific Add on Covers are also sepearately given. ADD ON COVERS: 1) Architects,Surveyors and Consulting Engineers Fees (in excess of 3 % of claim amount) 2) Removal of Debris (in excess of 1% of claim amount) 3) Detroiration of Stocks in Cold storage premises 4) Forest Fire,Impact Damage,Spontaneous Combustion 5) Omission to insure additions alterations or extensions 6) Earthquake 7) Spoilage Material Damage Cover 8) Leakage and Contamination Cover 9) Temporary Removal of Stocks Clause 10) Loss of Rent Clause,Additional expenses of Rent for alternative accommodation. 11) Startup expenses 12) Escalation

DWELLINGS,OFFICES,HOTELS AND SHOPS ETC., Long term policy will be issued for Dwellings based on either of the following 2 methods subject to the conditions mentioned below: Policy shall be for a minimum period of 3 years. No refund shall be allowed for mid term cancellation. Mid term inclusion of perils shall not be allowed. Premium for the entire policy period shall be collected in advance. METHOD A : Premium shall be charged in full without any discount. However Sum insured under the policy shall be deemed to have increased by 10% of the original Sum insured at the end of every 12 months period. OR METHOD B : There shall not be any automatic increase in sum insured as in Method A However appropriate discounts shall be allowable on gross premium as per table below: DURATION OF POLICY 3 Years policy 4 Years Policy 5 Years Policy 6 Years Policy 7 Years Policy 8 Years Policy 9 Years Policy 10 years and above LONG TERM POLICY PREMIUM TOBE CHARGED 3 years premium in advance less 15% Discount 4 years premium in advance less 20% Discount 5 years premium in advance less 25% Discount 6 years premium in advance less 30 % Discount 7 years premium in advance less 35% Discount 8 years premium in advance less 40% Discount 9 years premium in advance less 45% Discount 10 years premium in advance less 50 % Discount

CLASSIFICATION OF PRODUCTS FIRE INSURANCE Risks under Fire Insurance have been categorised on the basis of Sum Insured as follows :

CATEGORISATION OF PRODUCTS PRODUCT CLASS RATED LIMIT OF SUM INSURED Standard Fire and Special Upto Rs.5 crores on Perils Policy. Material Damage. Consequential Policy. Industrial All Insurance Petrochemical Risk Loss Where MD sum insured is upto Rs.5 crores Risk --INDIVIDUAL RATED LIMIT OF SUM INSURED

Beyond Rs.5 crores on Material Damage. Where MD sum insured is beyond Rs.5 crores. Minimum Rs.100 Crores Minimum Rs. 50 crores.

RATING PATTERN FOR CLASS RATED PRODUCTS The rating of these policies shall be as follows : A. Rate as per internal guide rate

B. Less: Rate for deletion of STFI and/or RSMD perils C. Add : Rate for add on peril e.g. Earthquake, Spontaneous Combustion per section VIII) D. Arrive at Net Rate. E. Less: Discount % for option of Voluntary Deductible. H. Arrive at Net Rate. I. Add: Premium for add-on covers if opted* e.g. Debris removal J. Add: Terrorism Rate ** K. Add: Service Tax at the prevailing rate. (as

Note : Rate at H will be applicable for calculation of premium on Add on Covers ** No type of discount is to be allowed on terrorism premium. Rates are on gross basis i.e. including commission / brokerage. In case business comes directly without intermediary, the guide rates can be reduced to the extent of commission / brokerage payable SHORT PERIOD SCALES OF PREMIUM

To be charged as pro-rata premium + 10% applicable on the following. a) policies issued or renewed for periods shorter than 12 months and b) policies which are cancelled during currency at the request of the insured.

RATING PATTERN FOR INDIVIDUAL RATED PRODUCTS The rating of these policies shall be as follows : A. Rate as per internal guide rate B. Less: Rate for deletion of STFI and/or RSMD perils C. Add : Rate for add on peril e.g. earthquake, spontaneous combustion (as per Section VIII).

D. Arrive at Net Rate. E. Less: % of discount for Voluntary Deductible selected. F. Arrive at Net Rate. G. Add: premium for add on covers if opted e.g. debris removal.* H. Add: Terrorism Rate ** I. Add: Service Tax at the prevailing rate. Note : Rate at H will be applicable for calculation of premium on Add on Covers. ** No type of discount is to be allowed on terrorism premium.

Rates are on gross basis i.e. including commission / brokerage. In case business comes directly without intermediary, the guide rates can be reduced to the extent of commission / brokerage payable

SHORT PERIOD SCALES OF PREMIUM To be charged as pro-rata premium + 10% applicable on the following. c) policies issued or renewed for periods shorter than 12 months and d) policies which are cancelled during currency at the request of the insured. The Technical Discount, as per the regulations, if any available under the class rated and individual rated products has to be obtained from the Underwriting Office. GUIDE RATES FOR ALL THE ABOVE CLASSES OF BUSINESS LIKE DWELLINGS,SHOPS , ETC., IS GIVEN BELOW:

SECTION III DWELLINGS, OFFICES, HOTELS, SHOPS ETC. LOCATED OUTSIDE THE COMPOUNDS OF INDUSTRIAL/MANUFACTURING RISKS Internal Guide Rates w.e.f. 01.01.2008 RISK DESCRIPTION New Internal Guide CODE Rate %0

FOR FOR BUILDINGS CONTENTS

Dwellings

0.35

0.35

NEW Places of worships, Libraries, Museums, Schools, Colleges, Hospitals including X-ray and other Diagnostic clinics, Office premises, Meeting Rooms, Auditoriums, Planetarium, Mess Houses, Clubs, Marriage Halls, Showrooms and display centres where goods are kept for display and no sales are carried out, Educational and Research Institutes imparting training in various crafts, Lodging/Boarding Houses, Cycle Shed and Dish Antenna, Indoor stadiums, Health club, Gymnasium and Swimming Pool . Note 1: In case software development activity is carried on within the premises, the risks shall be rated under the tariff entry "Electronic Software Development Unit" of Section IV of the Guide Tariff Cafes, Restaurants, Hotels, Confectioner & Sweet meat sellers, Health Resorts Shops dealing in goods otherwise not provided for including Laundries, Battery Charging Service Stations, Dry Cleaning, Amusement parks, Hoarding, Neon signs and Sports Galleries, Outdoor stadiums. Shops dealing in hazardous goods as per the list below and Arms & Ammunition dealers, Motor Vehicle showroom including sales and service, Petrol / Diesel Kiosks. Note: 10% loading is applicable for presence of CNG installations in petrol/diesal kisoks Notes (1) Reduction in guide rate for deletion of STFI Rs. 0.15 %o (2) Reduction in guide rate for deletion of RSMD peril - Rs. 0.05 %o (3) Mid term inclusion of STFI - Rs. 0.25 %o (4) Mid Term Inclusion of RSMD - Rs. 0.10 %o (5) Presense of Haz. Goods not exceeding 10 % of total value of the stock may be ignored. (6) List of Hazardous goods as per AIFT to include loose cotton, Camphor and Agarbatti. (e) In multiple occupancy, the risks shall be rated per se.

0.35

0.35

2 3

1.26 1.26

1.26 1.96

1.26

2.66

SECTION IV INDUSTRIAL /MANUFACTURING RISKS Internal Guide Rates W.E.F. 01.01.2008 New Internal Guide Rate (Rs. %o) 1.4 1.05 1.05 1.4 2.1

RISK CODE

DESCRIPTION OF RISK

1 2 3 4 5

Abrasive Manufacturing Aerated Water, Mineral water, Soft drinks, Cold drinks Factories Aerial Ropeway including trolley stations Agarbatti manufacturing Aircraft Hangers Airport Terminal Buildings (including all facilities like Cafes, Shops etc) N.B: Airport Cargo complex shall be rated under Section VI

1.05 8 9 10 11 12 13 13A 14 15 16 17 18

Aluminium/ Magnesium Powder Plants Aluminium ,Zinc,Copper Factories Arecanut and/or Betelnut factories Asbestos Steam Packing and lagging manufacturing Atta and Cereal Grinding (excluding Dal Mills) Audio/Video Cassette Manufacturing Automobile Manufacturing Automobile Filter Manufacturing Bakeries Basket Weavers and Cane Furniture Makers Battery Manufacturing Beedi Factories Biscuit Factories

3.85 1.05 1.4 1.05 1.4 2.45 0.875 1.75 1.05 3.15 1.575 2.1 1.05

19 20 21 22 23 24 25 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42

Bitumenised Paper and / or Hessian Cloth Manufacturing including Tar Felt Manufacturing.

2.8

Book Binders, Envelope and Paper Bag Manufacturing. 1.75 Breweries Brickworks (including refractories and fire bricks) Bridges - Concrete/Steel Bridges-Wooden Building In course of construction Camphor Manufacturing Candle Works Canning Factories Capsule Manufacturing Carbon paper / Typewriter Ribbon Manufacturing Cardamom Factories Cardboard Box Manufacturing 1.4 0.7 1.05 1.4 0.7 2.1 2.1 1.05 1.05 1.925 1.4 1.575

Carpenters, Wood wool Manufacturing, Furniture Manufacturing and other wood worker shops (excluding 3.15 saw mill) Carpet and Drugget Manufacturing (Cotton/jute/wool ) Carpet and Drugget Manufacturing (Others) Cashew nut / Wal nut Factories Cattle feed Mill Celluloid Goods Manufacturing Cement / asbestos/concrete products Manufacturing Cement Factories Ceramic Factories and Crockery and Stoneware pipe Manufacturing/Clay Works. Chemical Manufacturing (Using materials with Flash Point below 32OC), Bulk Drug Manufacturing Chemical Manufacturing (others), Pharmaceuticals, Toiletry products Cigar and Cigarette Manufacturing Cigarette Filter Manufacturing (Using Solvents with Flash Point below 32OC ) 1.75 2.45 2.1 1.4 10.5 1.05 1.4 1.05

43 44 45 46

2.1 1.575 1.925 2.45

47 48 49

Cigarette Filter Manufacturing (Others) Cinema Film Production Studios Cinematography Film Editing, Laboratory and Sound recording rooms where film processing is carried out Cinematography Film Editing, Laboratory and Sound recording rooms without film processing. Cinema Theatres

1.925 2.1 1.05

50 51

1.05 1.75

51 A

Multiplex Theatre complexes containing shopping malls, offices, resaurants, Cinema Theatres & utilities except 1.75 contents Note - Contents to be rated per se as per relavant section of guide tariff

Circus, Touring Drama Troupes, Touring Cinema 52 & 77 Theatres, exibitions, fetes, mandaps & like in kattchha Construction 53 Cloth Processing units situated outside the complex / compound of Textile mills Cloth Processing units which are not owned by the textile mill but are situated within the textile mill complex / compound Coal / Coke / Charcoal ball & briquettes Manufacturing Coal / Coke / Processing and Handling Plants Coffee Curing, Roasting / Grinding Coir Factories Collieries - underground Mechinery and pit head gear

7.35

1.225

53 A

1.225

54 55 56 57 58 59 60 61 61 A 62

3.85 1.75 1.4 2.45 2.45

Condensed Milk Factories, Milk Pasturisings Plants and 1.05 Dairies Confectionery Manufacturing 1.225 Contractors Plant and Machinery at one location Contractors Plant and Machinery anywhere in India at specified locations Cork Products Manufacturing 2.625 3.15 2.45

63

Cotton Gin and Press Houses including cotton godowns, detached from process block, storing cotton in fully 7.35 pressed bales or loose stored inside the cotton ginning and pressiong industry complex Cotton Seed cleaning / delinting Factory Dehydration Factories Detergent Manufacturing with Sulphonation plant Detergent Manufacturing - others Distilleries Duplicating/stencil paper Manufacturing Electric Generation Stations stations Electric Generation Stations - Others Hydro Power 3.15 1.05 1.58 1.575 1.75 3.15 0.875 1.05 1.4 0.88 0.35 1.4

64 65 66 67 68 69 70

71 72 73 74

Electric Lamp /T.V. Picture Tube Manufacturing Electronic Goods Manufacturing /Assembly Electronic Software Development companies Enamel-ware factories

75

Engineering Workshop - Structural Steel fabricators, Sheet Metal fabricators, Hot/Cold Rolling, Pipe Extruding, Stamping, Pressing, Forging Mills, Metal smelting, Foundries, 0.875 Galvanising works, Metal Extraction, Ore processing (other than Aluminium, Copper, Zinc)

76 NEW 78 79 80 81 82 83

Engineering Workshop - others, Clock / Watch Manufacturing, Motor vehicle garages and motor service 0.88 centres Exibitions in Pucca Construction 1.75 Explosives / Blasting Factories 3.85 Fertiliser Manufacturing (other than those rateable under 1.575 Petrochemical Tariff) Filter and wax paper Manufacturing Fireworks Manufacturing Flax / Hemp Mills Flour Mills 2.45 3.85 1.4 2.45

84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107

Foamed Plastics Manufacturing and / or converting plants Foam Rubber Manufacturing French Polish Manufacturing Fruit and vegetable drying/dehydrating factories Fruit products and Condiment Factories (including fruit pulp making) Garment Makers, Topee, Hats and the like makers Ghee Factories including vegetable Ghee mfg. Glass Fibre (Fibre Glass) Manufacturing Glass wool Manufacturing

3.15 3.15 3.15 1.05 1.05 1.4 1.4 1.75 1.925

Glass Manufacturing / Automobile Glass manufacturing 1.4 Gold thread factories / Gilding factories Granite Factories using inflammable solvents Granite Factories (Others) Graphite electrode Manufacturing Grain/seeds disintegrating/crushing/ Decorticating factories/ Dal mills. Grease / Wax Manufacturing Green Houses/ Algae/ Spirulina and the like Gum/Glue/Gelatine Manufacturing Gypsum board manufacturer Hoisery,lace, Embroidery/Thread factories Ice candy and Ice cream Manufacturing Ice factories Incandescent Gas mantle Manufacturing 1.4 1.05 0.7 1.75 1.75 1.75 1.05 1.4 1.4 1.575 1.05 1.05 2.1 1.4 2.1 2.1 1.75 1.05

Industrial Diamonds Manufacturing Industrial Gas Manufacturing (Carbon Monoxide, 108 Oxygen, inert gas) 108 A Industrial Gas Manufacturing - others 109 Ink (excluding printing ink) Manufacturing 110 Jaggery Manufacturing

111 112 113 114 115

Jute Mills including jute godowns, detached from process block, storing jute in fully pressed bales or loose 3.15 stored inside the jute mill complex Katha Manufacturing Khandsari Sugar Manufacturing Lac or Shellac Factories Leather Cloth Factories 2.45 1.4 1.75 1.4

116 New 117 118 119 120 121 122 123 124 125 126

Leather Goods Manufacturing ( incl. boot/shoe) Lignite Handling system Lime Kiln Lithographic presses Liquified Gas Bottling / Recovery Plants Malt Extraction Plants Man-made Fibre Manufacturing (using Cellulose) Man-made Fibre Manufacturing Plant (Others) Manure Blending works Match Factories Mattress and Pillow making Metallizing works ( involving metals only)

1.4 1.75 1.05 1.75 3.15 1.4 0.875 0.88 1.4 3.85 3.15 1.4

127 128 129 130 131 132 133 134 135

Metallising Works (others) Metal/Tin printers Mica Products Manufacturing Mineral Oil blending and processing Mosaic Factories Mushroom Growing Premises (Excluding Crops) Nitro Cellulose Manufacturing - Industrial grade Nitro Cellulose Manufacturing - Others Non-woven fabric Manufacturing Oil Extraction

1.4 1.75 1.4 1.4 1.05 1.05 3.85 10.5 2.1 2.625

136 137 138 139 140 141 142 143 144 145 146 147 148

Oil Distillation Plants (essential) Oil Mills refining ( Veg/Animal) Oil Mills (Vegetable) Oil and Leather Cloth Factories Paint factories (Water based) Paint (others) & Varnish Factories Paints - Nitrocellulose based Pan Masala making Paper and Cardboard Mills (including Lamination) Particle Board Manufacturing Pencil Manufacturing Petroleum Coke Calcination

1.75 1.4 1.4 2.45 1.4 2.625 3.15 1.75 1.575 1.575 2.8 1.575

Plastic Goods Manufacturing (excluding Foam Plastics) 1.75 having calorific value upto 15000 btu / lb Plastic Goods Mfg (excluding foam plastc) having calorific value above 15000 btu / lb Plywood / Wood veneering Factories/ Laminating Factories Polyester Film Manufacturing / BOPP Film Manufacturing 1.75 3.85 1.05

148 A 149 150

151

Port Premises including jetties and equipment thereon and other port facilities Note 1:- Storage areas within the port premises shall be charged open storage rates under section VI and/or under 1.4 section VII as applicable. Note 2:- No reduction in rates shall be allowed for opting out STFI perils.

152 153 154 155 156 157 158

Poultry Farms (Excluding birds therein) Presses for coir fibres/waste/Grass/fodder/boosa/Jute Presses for coir yarn / cotton/senna leaves Presses for carpets, rugs and tobacco Presses for hides and skins

1.05 7.35 3.15 2.45 1.925

Printing Ink Manufacturing / Roller composition factories 2.45 Printing Press 1.75

159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 New 176 177 178 179 180 181 182 183 184 185 186 187

Pulverising Plants(Metals and non-hazardous goods) Pulverizing Plants (Others) Rice Mills Rice polishing units Rope works (Plastic), (Assembling of Plastic Goods such as Toys and the like) Rope Works (others) Rubber Factories Rubber Goods Mfg with Spreading Rubber Goods Manufacturing without spreading Salt crushing Factories and Refineries Saw Mills (including Timber Merchants premises where sawing is done). Sea Food / Meat Processing Silk Mills / Spun Silk Mills Snuff Manufacturing Soap Manufacturing Sponge Iron Plants Spray Painting Powder Coating Stables (excluding animals) Starch Factories Stone quarries Sugar Candy Manufacturing Sugar factories Surgical Cotton Manufacturing Sweetmeat Manufacturing Tanneries Tapioca factories Tarpaulin and canvas proofing factories Tea blending / packing factories Tea Factories Telephone Exchanges

1.05 2.1 2.1 1.225 1.75 1.05 2.1 2.45 1.75 0.7 3.85 1.4 1.225 2.45 1.575 1.75 2.1 2.1 1.05 1.4 0.7 1.225 1.05 3.15 1.225 1.05 1.4 2.8 1.575 1.75

188

1.05

189

Textile Mills Spinning mills

Textile Mills - Composite Mills (Composite Mills are 1.575 those where activities from Blow Room to Cloth processing are involved) 190 191 Tile & Pottery works Tiny sector industries with values at risk not exceeding Rs. 25 lakhs

1.4 1.05

0.7192 Tissue Culture Premises (Excluding Crops) 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 Tobacco Curing / Redrying Factories Tobacco grinding/ crushing Manufacturing Turpentine and rosin distilleries Tyres and Tubes Manufacturing Tyre Retreading and Resoling factories Umbrella Assembly factories Velvet Cloth Manufacturing Vermicelli factories Weigh Bridges Weaving Mills Wheat Threshers Wood seasoning/treatment/ impregnation Wool cleaning and pressing factories Woollen Mills Yarn Processing Zip fasteners Manufacturing Notes Rates for deletion of STFI - 0.25 %o Rates for deletion of RSMD - 0.10 %o Rates for mid term inclusion of STFI - Rs. 0.35 %o Rates for mid term inclusion of RSMD- Rs. 0.15 %o For multiple product manufacturing units, common utilities to be rated at the highest rate.

1.05 2.45 2.45 4.55 1.575 2.1 1.4 1.75 1.05 1.05 1.225 7.35 1.4 1.75 1.4 1.225 1.4

SECTION V UTILITIES LOCATED OUTSIDE INDUSTRIAL /MANUFACTURING RISKS Internal Guide Rates w.e.f. 01.01.2008 RISK CODE DESCRIPTION OF RISK

NEW INTERNAL GUIDE RATE RS. %o 5 6 7 8 9 10 11 12 13 14 15 Analytical Boiler Dams Effluent Electric Electric /Sewage Sub-Station Transmission / Treatment , Loco Distribution Plant 1.05 Sheds 1.05 Lines 1.05 Pipe lines carrying Water Pipe Lines (Others) Pump Pump House (Others) Railway tracks House (Water) 1.05 1.75 2.1 0.7 0.875 / Quality Control Laboratories 1.575 House 1.05 0.7

16 17 18 New

Roads Water Treatment Plant and Water tanks

0.7 0.7

Wireless Transmitting Stations Boundary Wall (a) Made of combustible materials (b) Others

1.05 0 1.75 1.05 1.05 3.15 0.875

New New New

Compressors Handling Air, Inert Gas & CO2 Compressors - Others Electric Crematoriums Notes Rates for deletion of STFI Rs. 0.25 %o Rates for deletion of RSMD - Rs. 0.10 %o Rates for mid term inclusion of STFI - Rs. 0.35 %o Rates for mid term inclusion of RSMD- Rs. 0.15 %o

SECTION VI STORAGE RISKS LOCATED OUTSIDE THE COMPOUNDS OF INDUSTRIAL/MANUFACTURING RISKS Rates as per Internal Guide Rate w.e.f. 01.01.2008 RISK RATE DESCRIPTION OF RISK CODE CODE New Internal Guide Rate Rs.%o MATERIAL STORED IN

GODOWNS AND SILOS OPEN RATE RS. RATE RS. %o %o 19 20 Storage of Nonhazardous goods Storage of Category I hazardous Goods subject to warranty that goods listed in Category II, III, Coir waste, Coir fibre and Caddies are not stored therein. Tractors open stored in the NA 4.2 0.7 1.75

1.75

4.2

NEW NEW

21

Bus Terminus - Vehicles in open / vehicles parking area NA Storage of hazardous Goods listed in Category II subject to warranty that goods listed in Category III, Coir waste, Coir fibre and Caddies are not stored therein. Storage of hazardous Goods listed in Category III subject to warranty that Coir waste, Coir fibre and , Caddies are not stored therein. Transporters godowns and godowns of C & F agents Storage of Coir Waste, Coir Fibre, Caddies Cold Storage premises (a) Rate for deletion of STFI Rs. 0.25 %o for godowns and Rs. 0.50 %o for materials stored in open (b) Rate for deletion of RSMD Rs. 0.10 %o for Godowns and for materials stored in open ( c) Rate for mid term inclusion of STFI - Rs. 0.35 %o for Godowns and Rs. 1.00 %o for materials stored in open

4.2

3.15

5.95

22

3.85 3.85 8.4 1.75 NA

7.35 7.35 11.9

23 24 25

( d) Rate for mid term inclusion of RSMD - Rs. 0.15 %o for Godowns and for materials stored in open (e) Mode of classification of Haz. Goods and list of goods (Cat I, II, III) to continue except Jute, Cotton and Coal & Coke.

SECTION VII TANK FARMS/GAS HOLDERS LOCATED OUTSIDE THE COMPOUNDS OF INDUSTRIAL/MANUFACTURING RISKS Internal Guide Rates w.e.f. 01.01.2008 PROPOSED Internal NEW RATE INTERNAL Guide INTERNAL RISK RATE DESCRIPTION AS GUIDE rates GUIDE CODE CODE OF RISK PER RATE RS. (w.e.f. RATE RS. AIFT %o (AIFT 01/01/07) %o -25 %) 26 Gas Holders/ Bullets/spheres and storages for liquified gases except for Nitrogen, Carbon dioxide and inert gases 5.00 4.25 #REF!

3.502 7

Gas Holders/ 2.00 Vessels for Nitrogen,

1.50

#REF!

1.40

Carbon dioxide and inert gases 28 Tanks 3.50 3.00 #REF! 2.45 containing liquids flashing at 32 0C and below Tanks (others) 2.00 1.80 #REF! 1.40 Notes Rates for deletion of STFI Rs. 0.25 %o Rates for deletion of RSMD - Rs. 0.10 %o Rates for mid term inclusion of STFI - Rs. 0.35 %o Rates for mid term inclusion of RSMD- Rs. 0.15 %o

29

INTERNAL GUIDE RATES FOR ADD-ON COVERS

w.e.f. 01.01.2008

Sr. No.

Existing Rate Code

Peril

New Rate

1 2 3

1001 Architects, Surveyors and Consulting Engineers Fees (in excess of 3% of the claim amount) 1002 Removal of Debris (in excess of 1% of the claim amount) 1003 (A) Deterioration of Stocks in Cold Storage premises due to accidental power failure consequent to damage at the premises of Power Station due to an insured peril

Policy Rate Policy Rate 25% of Policy Rate

8 9

1004 (B) Deterioration of stocks in cold Policy Rate storage premises due to change in temperature arising out of loss or damage to the cold storage machinery(ies) in the Insureds premises due to operation of insured peril. 1005 Forest Fire Rs.5%o subject to applicable claims experience discount / loading as per Rules 1 & 2 1006 Impact Damage due to Insureds own 5% of Policy Rate Rail / Road Vehicles, Fork lifts, Cranes, Stackers and the like and articles dropped therefrom. 1007 Spontaneous Combustion 1007 Category I goods 0.20%o 1107 Category II goods 0.40%o 1307 Category III goods 0.60%o 1407 Category IV goods 0.80%o 1008 Omission to insure additions, Policy Rate alterations or extensions 1009 Earthquake (Fire and Shock) 1109 1209 1309 1409 1010 Zone I Zone II Zone III Zone IV Spoilage Material 0.60%o 0.30%o 0.15%o 0.05%o a) Stocks in specified blocks 5 times the policy Rate. b) Machinery, Containers & Equipments in specified blocks 2.5 times the Policy Rate. a) Rs.5%o for Leakage Cover only and b)Rs.10%o for Leakage & Contamination Cover.

10

Damage Cover

11

1111 Leakage and Contamination Cover where the tanks are within the Insureds own premises

12

1211 Where the tanks are located elsewhere

a) Rs.6%o for Leakage Cover only and b)Rs.12%o for Leakage & Contamination Cover. 10% of Policy Rate

13

1012 Temporary Removal of Stocks Clause 1013 Loss of Rent Clause 1014 Insurance of Additional Expenses of Rent for an Alternative Accommodation 1015 Start up Expenses

14 15

Policy Rate Policy Rate

16

Policy Rate