With O-locker subscription you get, for the first ever time:
  • One year protect for your precious jewellery through insurance coverage
  • Access to secured digital repository allowing you to digitise and manage your jewellery
  • Other benefits which O-locker will make available to its subscriber from time to time.
  • Jewellery is protected against common place occurrence like snatching, theft, housebreaking, terrorism, loss during transit and variety of natural calamities.
  • For more details please visit documents section on our website www.olocker.in
  • Losses incurred due to any negligence in usage for an example-leaving jewellery unattended in a vehicle, handling over the jewellery to unknown persons, forgetting jewellery in an auto, etc.
  • Losses resulting from the defects due to manufacturer or retailer or for an example-falling of diamond from a jewellery.
  • Losses from mysterious or unexpected situations for an example-having no idea about jewellery’s whereabouts or disappeared jewellery.
  • Losses when jewellery is not in possession of you or your family members. For an example- losses while jewellery is kept in a bank locker or with a pawn broker.
  • Family members include all your blood relatives.
  • Losses due to some Government action such as confiscation by income tax department.
  • Losses due to act of enemy nation, war or war like situation.
  • Normal wear-tear & depreciation
  • For more details kindly visit document section of ourwebsite www.olocker.in
  • You will need to contact our helpdesk at 9920888308or write to us at our email id-assist@olocker.ininform us about your loss. Our executive will guide you further.
  • You must lodge a FIR within 48hours of event and inform us within 7 days of event. Idealy you should lodge a FIR and inform us without delay.
  • You must have original invoice of your jewellery purchase for lodging a claim.
  • You will be entitled to receive the lower of replacement value. To calculate replacement value for precious metals, market value will be used.
  • Making charges-can be maximum 10% of the above value.
  • The amount of claim will be above amounts adjusted for excess of 5%.