Insurance

Articles which can be insured:

Registered letters, value-payable registered letters, registered parcels and value-payable registered parcels may be insured up to the value of Rs. 600 at branch post offices, and up to the value of Rs. 10,000 at other post offices, as are authorised, to accept articles for insurance and for post offices as are authorised to deliver insured articles. In no case the value should exceed the real value of the contents of the article insured. Also articles containing gold, coin or bullion Government currency notes or bank notes or any combination of these shall be insured for the actual value of the contents. For the purpose of this rule, papers such as securities, legal documents, etc., may be regarded as having a real value.

Prepayment compulsory:

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.

Packing:

Every letter tendered for insurance must be enclosed in a strong cover which must be securely fastened and sealed by means of identical seals in fine wax reproducing a private mark and affixed in sufficient number so that it cannot be opened without either breaking the seal or leaving obvious traces of violation.

Manner of insuring :

An article intended for insurance must be presented at the window of the post office at which the sender wishes it to be insured. The amount for which the article is to be insured should be clearly written in words and figures, without erasure or correction, on the top of the address side of the cover. The name and address of the sender must also be written on the cover in the lower left-hand corner.

A receipt will be given to the person who presents an article for insurance at the post office window during the hours prescribed for posting insured articles. Any error or mistakes should be pointed out at once by the sender otherwise the Post Office will not be liable for any damages or compensations.

Special Acknowledgement :

The sender of the insured article is entitled to obtain, free of charge, an acknowledgement of its delivery signed by the addressee or his authorised agent.

Responsibility of the Post Office :

A compensation not exceeding the amount for which the article has been insured will be payable to the sender of an insured postal article, for the loss of the postal article, or any of its contents, or for any damage caused to it in course of transmission by post; 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 should furnish full particulars of the contents of the postal article and their values.

Compensation :

Compensation will be payable one month after the date on which intimation of loss is given by the sender to the Post Office, except in cases in which the Head of the Circle may consider that the circumstances demand the withholding of payment pending enquiry.

Cases in which Insurance is compulsory:

Coin, bullion, platinum, precious stones, Jewellery, government currency notes or bank notes and articles of gold or silver may be sent by post only in insured letters, insured parcels. If a letter or parcel presented at the post office window is found to contain any such object of value, it will not be accepted for transmission by post, unless the sender insures it. If an uninsured article manifestly containing any such object of value is found in course of transmission by post, it will be either intercepted and returned to the sender, or forwarded to destination and delivered to the addressee subject to the payment of a fee of two rupees. The payment of this fee will not impose any liability on the Central Government.

Declaration of value of gold coin or bullion or gold ornaments or articles of gold:

In the case of articles containing gold coin or bullion or gold ornaments or articles of gold, Government currency notes or bank notes or any combination of these, sender should declare on the article the value of the contents at the time of despatch.



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