HOME POLICY : HOUSEHOLD POLICY (BODY PART) (MAIN PERILS COVER (INSURED )…
HOME POLICY : HOUSEHOLD POLICY (BODY PART)
DIVISION OF HOME POLICY
THIS 2 INSURANCE COMBINE WITHIN ONE POLICY :!:
TYPES OF PAYMENT
overs only the value of your possessions and the value of most items depreciates each yea
NEW FOR OLD
covers full cost of replacing lost or damaged possessions with new possessions
SCOPE OF COVER
:no_entry: household goods and personal effects of every description
Belonging to YOU or any member of YOUR family normally residing with you.
relate to MOVABLE possessions such as furniture and electrical appliances.
covers the financial cost of repairing or replacing your household personal possession, including furnishings from accidental loss or damage
MAIN PERILS COVER (INSURED )
BURST OR OVERFLOWING OF DOMESTIC WATER TANKS,APPARATUS OR PIPES
but only if accompanied by actual forcible and violent breaking into or out of a building or any such attemppt
IMPACT WITH ANY OF THE BUILDING
by any road vehicle or animals not belonging to or under the control
HURRICANE, CYCLONE, TYPHOON, WINDSTORM
AIRCRAFT&OTHER AERIAL DEVICES
EARTHQUAKE, VOLCANIC ERUPTION
FIRE, LIGHTING, THUNDERBOLT, SUBTERRANEAN FIRE
ROBBERY AND HOLD UP IN THE PREMISES OF PROPERTY
CONTENTS OF POLICY
PROPERTY TEMPORARILY REMOVED
COVER : remain within the geographical area provided such content are not cover under another policy.
Limit of liability only 15%
NOT COVER : remove for sale /exhibit,placed at storage area
DAMAGE TO MIRRORS
WHAT IS COVER : breakage of mirrors whilst in the Private Dwelling. The limit of liability is RM500.00 per piece any one accident
NOT COVER : hand mirror
LOSS/DAMAGE OF CONTENT
COVER : not one article shall be of greater value than 5%of the total sum insured on contents, unless it specially declare as separate item
total value of platinum, gold ETC shall not exceed 1/3 of the total sum insured.
NOT COVER : part of the structure/ ceiling, wallpaper
COMPENSATION FOR DEATH OF THE INSURED
COVER :against fatal injury occur in the PRIVATE DWELLING HOUSE
due to external/visible violence caused by thieves
if more than one named insured, prorate proportion of the compensation
limit of liability of this benefit is the sum specified on the SCHEDULE/ ONE HALF of the total sum insured
COVER : loss/damage caused by an insured to clothing and personal effects of your domestic servant who stay in the same house
NOT COVER : cash, currency, bank notes & stamps
not cover consequential loo or damage of any kind except RENT HOUSE
SETTLEMENT OF CLAIM
NO RIGHT OF CLAIM FROM ANY OTHER PERSON
LIMIT TO PAYING 3 GUEST ONLY
RIGHT OF ACCESS AND CONTROL
MAKE A CLAIM
NOTICE & PROOF OF CLAIM
inform to the insurer within 30 days after the incident . event from theft, must immediately make police report as evidence.
the insurer will see in term of furnish plans,specification and quantities that they may require.
after receive notice from other parties, immediately inform to the insurer to settle the claim.