# Parcel Guard Insurance

The Parcel Guard Insurance plan is a single transit cover for goods or parcels. It is designed to protect owners of goods or parcels against loss or damage to their goods/parcels by reinstating, replacing or repairing the goods in event of a loss or damage in a single transit.

### Who should purchase this plan?

1. Individuals
2. Corporate organizations
3. Courier companies
4. Dispatch riders 
5. Transport operators.

### Scope of Cover - Goods/Parcels

* Domestic appliances & utensils
*  General merchandise
*  Tools and equipment
*  Home & Office Furniture
*  Clothing, Fashion & Textiles materials/accessories
*  Canned/packaged/bagged foods
*  Computer & electronic appliances
*  Building materials excluding tiles and ceramic ware

### Out of Scope - Goods/Parcels

* Gas cylinders
*  Chemicals
*  Explosive materials
*  Ceramic tiles
*  Glass ware
*  Letters, cheques, bank drafts, stamps
*  Jewelry
*  Art work
*  Perishable goods

### Scope of Cover - Risks

* Accident to the vehicle
* Collision and overturning of the vehicle
* Fire
* Explosion
* Burglary and theft
* Windstorm 
* Flood

### Out of Scope - Risks

* War, riot, strike, civil commotion, insurgency
* Pilferage
* Deliberate/malicious/mischievous acts of the driver or the insured their staff
* Shortages
* Credit cards, debit cards, ATM cards, ID cards
* Seizure or forfeiture by government agency