all risks in course of transmission by Post for valuable contents.
A Branch Post Office,
if authorised, can insure an article upto Rs.600/-. All other
Post Offices can insure an article upto Rs. 20,000/-.
What must be
Gold or silver,
coin or bullion, platinum, precious stone, jewellery,
Government currency note, bank note, article of gold or
silver, revolver and pistol,
article of value exceeding Rs.250/-, except for railway
invoice, document of no intrinsic value, and
book-packet containing printed book(s) or paper(s).
Insurance should not
exceed the actual value of contents.
note, bank note, gold as coin, bullion or ornament, any
article of gold or any combination of these, should be insured for the actual value.
Insured value should
be written in words and figures on the face of the article
without any correction.
The sender should
declare the value when the contents are gold as coin bullion
any article of gold, Government currency note,
bank note or any combination of these.
Name and address of
the sender should be given on the bottom left corner of the
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. No lable of any kind should be affixed by the
sender tosuch a cover but cut out labels the maximum size of
which is 1-2" X 3" (3.8 cm. X 7.60 cm.) with frank
impressions as postage stamps on the cover of an insured
articles may be accepted. An envelope with black or coloured
border or a transparent panel must not be used. The seals must
be 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
end where they are tied. As an additional precaution (if the
contents admit of it) a thread should be passed through the
cover and its contents and tied the knot being placed under
the Central seal. The seals on (i) an ordinary envelope, and
(ii) and embossed registration envelops should be placed as
tendered for insurance must be packed carefully and
substantially, with due regard to the nature of the contents
and the length of the journey and must be sealed with wax or
lead bearing a private mark, in such a way that it cannot be
opened without either breaking the seal or leaving obvious
traces of violation. Seals must be placed over each joint or
loose flap of the covering of a parcel and if string be used
in packing a seal must be placed on the ends of the strings
when they are tied. If a parcel contains gold or silver
bullion or coins it must be packed in a strong case of wood or
metal with an outer covering 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 private device.
The device must not be that of a current coin or merely a
series of straight curved, or crossed lines.
: It is recommended that registration
envelops (Sold at all post offices) be used for
The article with
postage, registration fee, insurance fee and filled
Acknowledgement Card, should be presented at the counter of
the Post Office. Receipt in the prescribed form is granted to
Intimation of loss of
article or contents, or damage to contents should be given to
the Post Office within three months from the date of booking
together with the original Post Office receipt. Compensation
for the actual loss of , or damage to, the contents, limited
to the insured value, is payable to the sender.
No compensation is
payable in the following cases :
has been mis-delivery arising out of incorrectness or
of the address written by the sender;
has been fraud on the part of the sender or addressee;
insured article has been delivered to the addressee, and
he has signed
and returned the receipt therefore;
sender has not given intimation of the loss within three
months from the
date of posting;
loss or damage was due to improper or insecure packing;
is no visible damage to the cover or seals it being
understood that the
sender must so pack the letter or
parcel that its contents cannot be touched without visible
damage as aforesaid being caused;
insured article contains Government currency notes, bank
notes, gold coin or bullion or any combination of these,
and has not been insured for the actual value of the
in the case
of the loss of halves of currency notes.
If any contents are
recovered after settlement of claim, it will be restored to
the sender, where the value of the recovered contents plus the
amount of compensation paid is not more than the actual loss.
It it is more, the entire recovered contents will be restored, on the sender
paying the excess amount, or else only
contents to the due extent, in
case that is possible,
will be restored.