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HOUSEHOLD POLICY :house_with_garden: (Main Perils (fire, lightning,…
HOUSEHOLD POLICY :house_with_garden:
household
they combine, within single document a range of different covers such as damage to the insured own property together.
type of cover
REPLACEMENT VALUE > cover only the value of possessions and value of each depreciates each year
NEW FOR ALL > covered for the full cost of replacing lost with new possession
scope of covers
household goods and personal effect of every description
belonging to you or any member of you family normally residing with you.
movable possession > furniture
financial cost repairing or replacing
Main Perils
fire, lightning, thunderbolt, subterranean fire
explosion
aircraft & other aerial devices
impact with any building > private dwelling and block of flats or apartment
bursting or overflowing of domestic water tanks
theft only if by actual forcible and violent
hurricane, cyclone, typhoon and windstorm
earthquake, volcanic eruption
flood
robbery and hold up in the premisses
contents of policy
loss/ damage of contents
property temporarily
damage to mirrors
compensation for death of the insured
servants property
general exception
General exception 1 > war, invasion, mutiny and act of terrorism
general exception 2 > caused by cessation work or by confiscation
General exception 3 > not cover consequential loss or damage of any kind except Rent Insurance
clause
Temporary removal clause (content of private dwelling)
settlement of claim
make claim