Household contents

This protects against losses to your household contents caused by fire, lightning, explosion, theft, storm, flood, wind, rain, hail, snow, earthquake, bursting, leaking or overflowing of water apparatus, pipes or fixed oil-fired heating apparatus and damages caused by impact to the home.

Buildings

This provides cover for various circumstances including properties that are bonded to a financial institution. Both private residence and outbuildings may be covered against fire, lightning, explosion, storm or flood, earthquake, bursting, leaking or overflowing of water apparatus, pipes or fixed oil-fired heating apparatus (geysers) and theft or attempted theft. Additional cover such as glass, sanitary ware, rent, water-pumping machinery, public supply or mains connections, public authorities’ requirements, fire brigade charges, demolition, professional fees, security guards, loss of water by leakage, removal of fallen trees and property owner’s liability may be automatically included.

All risks

This provides cover for accidental loss or damage of property insured. The ‘General’ category covers clothing, personal effects and equipment. (Cover is limited to 25 percent of the sum insured in respect of any one article.)

The ‘Specified’ category covers valuable items such as jewellery, stamp and coin collections, as well as bicycles, cellular phones, car radios and tools. You can also obtain cover for money and/or negotiable financial instruments.

Vehicles

This provides cover to protect against damage to your vehicle, fire and theft as well as damage to third parties where you become legally liable for damage to other vehicles, bodily injury or death of any person.

This cover may also extend to protection and repair, delivery after repair, medical expenses, window glass, credit shortfall, emergency hotel expenses, mechanical or electrical breakdown, bereavement expenses, vehicle sharing, trauma, keys, locks, tracking devices as well as car hire. Cover can also be obtained for motor cycles, trailers and caravans.

Personal computers

This provides cover for your personal computer or laptop and accessories (if noted) against various occurrences such as physical loss or damage including material damage, recompilation of data and/or reinstatement of programmes and incompatibility cover.

Personal liability

This is automatically included by selecting the ‘Household Goods’ section, and protects you and your family from legal liability arising from accidental death, bodily injury and/or accidental loss of or damage to property away from the private residence.

Personal accident

This provides compensation, including covering medical expenses, for bodily injury or death in the event of an accident occurring anywhere in the world. This extends to disappearance, exposure, part payments, life support, repatriation, bereavement expenses and trauma.

Additional cover options

Legal costs, extended personal liability, bereavement expenses, hospital cash plan and various other value added services are also obtainable.