L & T Home Insurance

LT General Insurance Company Limited

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  • Sum insured for Structure Cover for Fire and Allied Perils
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L & T Home Insurance Online

Larsen and Turbo Limited is a common name in the field of households in India. And it has a fully owned subsidiary named L & T General Insurance Company Limited. L & T general insurance company was founded by two engineers, Soren Kristian Turbo and Henning Holck-Larsen in 1938. The L & T General Insurance is a world class company with world class facilities, the best technologies, and the company uses the resource that derives real values and ideas to the customers. L & T aims to make the customers experience best facilities with reliable character, capabilities, and responsibilities. L & T General Insurance Company Limited provide a numerous plan of insurance policy such as health insurance, home insurance, and travel insurance with a capital of USD 12.8 billion. This company deals with major companies in India. In the year 2009, Larsen & Toubro Limited was listed in the issue of Forbes as in ‘World’s Most Reputable Companies and in the year 2012, Forbes ranked L & T as the 9th most innovative company and that too at a global level.

L & T Home Insurance Achievements

Larsen and Turbo is a renowned name in the industry of home insurance. It serves great plans and received a lot of appreciation and great awards such as

2017

• L&T wins Best Practices Award for Sustainable Development Goals

2016

• L&T’s Sustainability Report wins Asia-Pacific Excellence Award

• L&T Among Top 15 In Global Sustainability Performance Ranking

2015

• CIO 100 Award for Operational and Strategic Excellence in IT by M/s IDG for the year

• L&T leads in the Dow Jones Sustainability Emerging Market Indices 2015

2014

• L&T Wins ICICI Foundation-CNBC TV 18 ‘Inclusive India’ Award

• L&T Bags ‘Best Sustainability Report Award’ – 2014

• L&T Ranks in Top 10 Companies for CSR – The Economic Times

• L&T Power Wins National Energy Conservation Award

• L&T Ranked Asia's 2nd Most Sustainable Company in Industrial Sector

2013

• L&T Wins ICC Corporate Governance & Sustainability Vision Award

• L&T Conferred ‘Caring Company Award’ By World CSR Congress

• L&T Heavy Engineering Bags CII–ITC Sustainability Award

• L&T Wins Corporate Citizen of 2013 - The Economic Times

• National ‘Good Design’ Award for L&T’s Solar Lantern

L & T Home Insurance Plans

Buying a house is a long process, which involves step by step investment of a person’s lifetime emotions, capital and after a long battle with sense and sensibility. Buying a dream house is not the completion of a dream, but, protecting your house is what that completes your dream. With L & T Home Insurance you can protect your house against natural hazards like flood, earthquake, cyclone, and man made destruction like fire, theft and etc. With home Insurance, you not only protect your house for yourself, but also for your future generation, who can live in the house for years with all warm and happy memories, the house which you have built through limitless hard-work. And this is possible because of the home insurance plan. One need to insure his or her house as they insure the health of their loved ones. Larsen and Turbo Limited offer various types of home insurance plans. One can choose as per the requirement and economic state. Some of the insurance plans are categorized:-

Instant Home Insurance Plan

This plan offers 4 sub-plan option and that too on a fixed insurance sum and fixed price. It will offer great cover at an affordable price.

Primary Home Insurance Plan

The Primary Home Insurance Plan has many value added features, which are pre approved. These features make the Primary Home Insurance a complete protection for the home and property with a reasonable and considerable value. There are around eleven different policy covers that protect your house and belongings. And as it is for the value of the premium, one can simply choose from a good range of premium provided by L & T Insurance Company. Under the primary home insurance plan, there are various things covered such as loss and damage by fire, lightning or the national climates under various sections.

Exclusion from insurance policy

• Fire or explosion caused by own careless use and negligence.

• Designs which are faulty from the beginning that is since from the time they were constructed cannot be included in the insurance policy.

• The plan does not cover a loss of any family income of the insured person in the family

• The property which is damaged due to the radioactive explosion or any other chemical reaction

• Damage as a result of any war, an act of some foreign enemy is not covered in the policy.

L & T Home Insurance - FAQs

1
How can I pay my L & T home insurance policy premium?

The L & T General Insurance Company limited provide 2 different modes of policy premium payment, either one can pay the mode of cheque or by cash at the branch.

2
How can I file my claim for policy?

You have to initiate for claims at the toll-free number of the company as soon as you require it. Surveyors are deputed to investigate the claim within 24 hours. Some documents are also needed to proceed the claim, that depends on the nature of loss. After the complete process, within 30 days your claim will be settled.

3
How can I check my policy status?

If you are a registered user that means you are Policy holder at L & T Home Insurance, you can check your policy status online after logging in with your valid details like date of birth, policy number etc.

4
What is the cancellation process for the home insurance policy?

You can cancel only your home insurance policy till the date when your insurance policy is not expired. All you need is to visit any nearest branch near you with all the necessary documents.

5
Can I Insure my hand bag under any policy by L & T insurance LTD?

Yes, under Primary home insurance plan you can insure your handbags and wallets. You have to bear 1% of each claim and that is within Rs. 500. Important papers like driving license, pan card, credit card and actual money from the wallet are reimbursed under this policy.

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