​​​​​​​​​​​​​​​​​​​​​​​​​ Insurance image

​​​Insurance​

Articles ​may be insured at all postal service offices. Insurance covers all risks in course of transmission by post. The prepayment of all charges on insured articles namely postage, registration and insurance fee is compulsory. Postage stamps affixed to an insured article must be placed apart from ​one another so that they may not serve to conceal injuries to the cover of the letter or parcel.

Article Insurance
What article can be insured? ​​Limit up to which Yous can Insure
  • Registered messages
  • Value Payable Registe​red Letters
  • Registered Parcels
  • Value-Payable Registered Parcels
  • up to the value of ₹ 600 ​for manufactures booked at co-operative po​st offices
  • up to the value of ₹ 1,00,000 for manufactures booked at​ other mail offices
  • Insured value shall non exceed the real value of the contents of the article insured
  • The articles containing gold, coin or bullion government currency notes or bank notes or whatever combination of these shall be insured for the actual value of the contents

​​

​Cases in which Insurance is compulsory

Insurance is also compulsory for at least the corporeality specified for recovery from the leaseholder in the case of all value payable articles on which the amount specified for recovery exceeds ₹ ​100. (Other than value payable letters containing Railway receipt, bills invoices, documents etc.​ of no intrinsic value and value payable packets containing printed papers, books etc. sent under book packet rates.)

Money, bullion, platinum, precious stones, Jewellery, government currency notes or bank notes and manufactures of gold or silvery may exist sent past post only in insured letters, insured parcels.

Packing Size and other conditions

  • Every letter of the alphabet tendered for insurance yard​ust be enclosed in a strong cover which must be securely attached and sealed by means of identical seals in fine wax reproducing a private marker and affixed in sufficient number and so that it cannot exist opened without either breaking the seal or leaving obvious traces of violation.
  • No characterization of whatever kind should exist affixed by the sender to such a cover merely cutting out labels the maximum size of which is i-1/2-2x3" (3.8 cb. x vii.6cb.) with frank impressions as postage stamps on the comprehend of an insured articles may be accepted.
  • An envelope with black or colour edge or a transparent panel must non be used.
  • The seals must exist placed over each flap or seam of the cover and if the cover is tied round with string or tape a seal must be placed on the ends where they are tied.
  • As an boosted precaution (if the contents admit of it) a thread should be passed through the embrace and its contents and tied the knot being placed under the Primal seal.
  • If a bundle contains gilded or silver bullion or coins it must exist packed in a strong case of wood or metal with an outer roofing of cloth or stout paper.
  • All the seals affixed to an insured article must be of the same kind of wax and must bear distinct impressions of the same individual device. The device must non be that of a current coin or merely a ser​ies of straight curved, or crossed lines.
    Notation: It is recommended that registration envelopes (sold at all post offices) be used for insured letters.
  • It should not be so small or and then covered with writing or sealing wax on the address side, or otherwise made up in such a manner, every bit to render it impracticable to affix to the commodity the prescribed official labels of the Post Office.

Insurance Procedure

  • An article intended for insurance must be presented at the window of the Post Function.
  • Write conspicuously in words and figures, the insurance value without erasure or correction, on the top of the address side of the embrace.
  • The name and address of the sender must also be written on the cover in the lower left-paw corner, or on a dissever slip of newspaper, to be presented with the article should at that place exist no room for his name and accost on the cover.
  • A receipt will exist given to the person who presents an article for insurance at the mail office window during the hours prescribed for posting insured articles.
  • Any mistake or mistakes should be pointed out at once by the sender otherwise the Postal service Part will non be liable for any damages or compensation.
  • The sender of the insured commodity is entitled to obtain complimentary of accuse an acknowledgement of its delivery signed by the addressee or his authorized agent. The sender may himself fill up the form of acknowledgement to be signed by the addressee and is recommended to do so.

Responsibility of the Mail service Office

  • Compensation will be payable one calendar month after the engagement on which intimation of loss is given by the sender to the Postal service Office, except in cases in which the Head of the Circle may consider that the circumstances need the withholding of payment pending inquiry.
  • In the event of the loss of the postal commodity, or any of its contents, or for any damage caused to it in course of transmission past post the compensation will be paid to the sender and the compensation in no case exceeds the value of the article or any of its contents lost or the amount of the damage caused.
  • In the case of loss, the sender furnishes full particulars of the contents of the postal commodity and their values.
  • No bounty will be payable:
    • Where at that place has been mis-delivery arising out of incorrectness or incompleteness of the address written by the sender.
    • Where there has been fraud on the part of the sender or addressee.
    • Where the insured article has been delivered to the addressee, and he has signed and returned the receipt therefor.
    • Where the sender has non given intimation of the loss within three months from the engagement of posting, Where the loss or damage was due to improper or insecure packing.
    • Where there is no visible damage to the cover or seals it existence understood that the sender must so pack the letter or parcel that its contents cannot be touched without visible damage as aforesaid being caused.
    • Where the insured article contains Authorities currency notes, depository financial institution notes, gold coin or bullion or any combination of these, and has non been insured for the actual value of the contents.
    • In the case of the loss of halves of currency notes.
    • In the case of impairment arising from the nature of the article insured, OR
    • Where the insured article contained anything the transmission of which by mail is prohibited.
  • If after compensation has been paid for the loss of a postal commodity or any portion of its contents, the contents or any portion thereof are afterward recovered, the recovered contents will exist dealt with as follows namely
  • If the value of the recovered contents added to the amount of compensation paid is not in backlog of the amount of loss, the recovered contents will exist restored to the sender.
  • If the value of the recovered contents added to the amount of compensation paid is in backlog of the amount of the loss, the Mail service Office will be entitled either to restore the recovered contents to the sender on his repaying the amount of such excess or to retain and dispose of and so much of the recovered contents as may be held by the Head of the Circle to represent such backlog and restore the residuum of the recovered contents, if whatsoever, to the sender.​​​