HOME INSURANCE FREQUENTLY - ASKED QUESTIONS

Size: px
Start display at page:

Download "HOME INSURANCE FREQUENTLY - ASKED QUESTIONS"

Transcription

1 HOME INSURANCE FREQUENTLY - ASKED QUESTIONS 1. I already have an insurance policy for my house building. Why do I need additional insurance for my home content? These are two different sections integrated into our Home Insurance and you can choose to apply for either one or both. Home content Insurance protects the contents of the house, such as furniture, electrical appliances, improved fixtures and fittings, etc. Home Building Insurance covers the physical structure of the building, such as walls, windows, ceilings, floors, pipes and the property's original fixtures and fittings. Therefore, the two covers are complementary. For comprehensive protection, we highly recommend that you should consider buying both insurance policies. 2. As a tenant, may I apply for Home Building cover? Absolutely - you can purchase Home Building cover if it is specified under the tenancy agreement that you are responsible for it. Moreover, you can also apply for Home content cover for items inside your home which belong to you or under your custody. 3. As an owner of a house for rent, may I apply for both House Building and Home content covers? Absolutely you can purchase Home Building cover and also the Home content cover if the contents of the house are your assets. 4. Does the insurance cover the interior decoration of the house? Scenario 1: If the interior decor is part of the construction cost of the building: If you are the home owner, loss of and damage to interior decorations would be covered under House Building cover. If you are the tenant, loss of and damage to interior decorations would be covered under the Home content section if it is specified under the tenancy agreement that you are responsible for them. Scenario 2: If the interior decorations have been improved by you as the home owner or a tenant, loss of and damage to them would definitely be covered under Home content as they are your own improvement. Issued by HSBC Bank (Vietnam) Ltd. 1

2 Scenario 3: If the interior decorations are additional costs to the construction value of the house: If you are the home owner, losses and damages to interior decorations will be covered under the Home content section as they are your own improvements. If you are the tenant, loss of and damage to interior decorations would be covered under the Home content section if it is specified under the tenancy agreement that you are responsible for them. Please note, you must be able provide evidence to prove that such interior decoration was bought at additional cost to the construction value of the house. 5. Most of my home appliances (fan, refrigerator, washing machine, iron, etc.) are fairly old. Will they be covered? The Home content section of BaoViet s Home insurance policy provides cover for accidental loss of or damage to household contents regardless of whether the insured items are new or old. Regarding the indemnity of the loss, they are covered on a New replacement basis, without any deduction for depreciation. If the appliances are stolen or beyond repair, they will be replaced by a new article of the same kind which is of similar but not better quality. 6. If my home content has a value of VND 750 million, which insurance plan should I apply for? Plan A with limited liability of VND 500 million for each and every loss, or Plan B with limit of liability of VND 1 billion for each and every loss? If the total Sum Insured of your Home content cover lies between two plans, we advise you to select the plan with the higher limit of liability in order to receive financial compensation in full for the whole value of your contents in case of an incident (which in this case would be Plan B). Similarly, if the Sum Insured of the Home content cover is less than the limit of liability for each and every loss under Plan A, you are still recommended to select Plan A to be paid for the whole value of your contents. We will design a special plan as required in case the Sum Insured is higher than limit of liability under Plan C in order to provide you with a comprehensive insurance service package. 7. What isn't covered under this policy? Are there any excesses for claims? The policy does NOT cover for damages: occasioned by riot, civil commotion, strikers or locked-out workers; to any property whatsoever or any loss or expenses whatsoever resulting or arising therefrom or any consequential loss directly or indirectly caused by, contributed to or arising from any nuclear weapons material, voluntary or involuntary use of missiles and/or any kind of warlike weapons, ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear Issued by HSBC Bank (Vietnam) Ltd. 2

3 waste from the combustion of nuclear fuel. Solely for the purpose or this exclusion, combustion shall include any self-sustaining process of nuclear fission; to any electrical machine, apparatus, or any portion of the electrical installation arising from or occasioned by or over-running, excessive pressure, short circuiting, self heating, arcing or leakage of electricity arising from whatever cause (lightning included); caused by pollution or contamination; losses and damages to data or software or computer programs; arising from acts of war and terrorism. These properties are not covered under the Home Building cover: any property not belonging to the insured or for which he is not legally responsible, any property, the value of which is included in the Total Sum Insured listed in your Home content cover. These properties are not covered under the Home content section: property more specifically insured under another policy; property removed for sale or exhibition or to a furniture depository; bullion or unset precious stones, any curiosity or work of art, manuscripts, plans, drawings or designs, patterns, models or moulds, medals, coins or rare books, securities, obligations or documents of any kind, stamps, coins or cash, currency notes, cheques, travellers' cheques, money orders, postal orders, bills of exchange, promissory notes, books of account or other business books, motor vehicles or accessories, pedal cycles and livestock unless specifically mentioned herein; any part of the structure or ceilings of the buildings, wallpapers and the like or external television and radio antennae, aerials, fittings, masts and towers; any property, the value of which is included in the Total Sum Insured listed under Home Buildings cover. Deductibles are applied as follows: o Section I Home Building: VND 5,000,000 per claim o Section II Home content: VND 2,000,000 per claim. 8. How do we gauge the quantity of the damaged home content if they are of the same type and have similar functions? Loss of and damage to home content which are of the same type or have similar functions shall be separately defined as a loss unit. Issued by HSBC Bank (Vietnam) Ltd. 3

4 For example, the insured home content destroyed by a fire include: two fans, three air conditions, four televisions and two beds. Each item above shall be defined as a separate loss unit and the total loss units are calculated as follows: = How do you determine the value of my home content when I submit the claim? The claim payment for loss of and damage to home content follows the "New replacement basis under which any property which is stolen or damaged beyond repair will be replaced with a new article of the same kind which is of similar but not better quality. The cost of repairing any damaged property is also covered. It will be easier to determine the value if you can provide us with purchase invoices, receipts or repair quotations of the possessions. If an article which is part of a pair or set is lost or damaged, the measure of loss shall be a reasonable and fair proportion of the total value of the pair or set, giving consideration to the importance of the article. 10. Must I keep invoices of the insured contents? We strongly recommend you store all purchase invoices and maintenance bills of the insured contents because they could be important evidence to prove your proprietary right in case of damage or loss. If you are unable to provide this proof, your proprietary rights shall be considered based on the report of our loss adjusters. Please bear in mind that those invoices and bills can only show your possession to the lost or damaged contents, and the values of contents written on those bills might not be used in calculating the claim amount (the payment must be based on New replacement value please refer to question 5, 9, 11). 11. What is the difference between basis of covers of Section I (Home Building cover) and Section II (Home content cover)? Section I. Home Building cover is based on a underinsurance basis, i.e. if the Building shall at the time of any loss or damage for which indemnity is provided under Section I be of greater value than the Sum Insured, then the Insured shall be considered as being his own insurer for the difference and shall bear a ratable proportion of the amount of such loss or damage accordingly. Every item of the building shall be separately subject to this condition. For example: The Sum Insured: VND 2,000,000,000 Construction value of the building at the time of loss: VND 3,000,000,000 Estimated loss: VND 100,000,000 Issued by HSBC Bank (Vietnam) Ltd. 4

5 2,000,000,000 Claim amount = 100,000,000 x = VND 66,667,000 3,000,000,000 Section II. Home content cover is based on a New replacement basis, i.e. the under value condition would not be considered if the Sum Insured of the home content is less than the real value at the time of loss and damage. (Please refer to question 5, 9) 12. My family and I are leaving Vietnam for a few months. Will the contents of our home be covered during that period? If your house is unoccupied for 30 consecutive days, no compensation will be paid for loss of or damage to household contents due to theft, burglary, malicious act or vandalism. However, other loss of or damage to household contents caused by perils such as fire, typhoon, explosion, etc. can still be covered. Issued by HSBC Bank (Vietnam) Ltd. 5

PROPOSAL FORM FOR HOME INSURANCE POLICY

PROPOSAL FORM FOR HOME INSURANCE POLICY PROPOSAL FORM FOR HOME INSURANCE POLICY Name: Address: P. O. Box: Tel. No. Office: Res: Occupation Address of Dwelling at which the insurance is required: House/Office No. Bldg. No Road No. Block No Area

More information

1) Any consequential loss or losses, destruction, damage or bodily injury due to:

1) Any consequential loss or losses, destruction, damage or bodily injury due to: General Exclusions 1) Any consequential loss or losses, destruction, damage or bodily injury due to: a. War, invasion, act of foreign enemy, hostilities (weather war be declared or not), civil war rebellion,

More information

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS

INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS INDIA MOTOR TARIFF w.e.f 01.07.2002 - Policy wording STANDARD POLICY FORM FOR MOTOR TRADE INTERNAL RISKS Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be

More information

HOME CONTENTS INSURANCE

HOME CONTENTS INSURANCE HOME CONTENTS INSURANCE Low cost peace of mind Easy payment weekly or monthly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and

More information

Home. summary of benefits

Home. summary of benefits Risk Covered Fire, explosion and smoke Lightning and thunderbolt Earthquake Theft or attempted theft Riot, civil commotion, labour and political disturbances, vandalism and acts of malicious persons Water

More information

MOTOR TRADE INSURANCE POLICY

MOTOR TRADE INSURANCE POLICY MOTOR TRADE INSURANCE POLICY WHEREAS the Insured by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to the Company for the insurance

More information

How To Insure Your Property With A Property Insurance Policy

How To Insure Your Property With A Property Insurance Policy DWELLING PROPERTY 1BASICFORM AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS Throughout

More information

Section 2 Appendix 21 Competition Law Compliance:

Section 2 Appendix 21 Competition Law Compliance: Competition Law Compliance: This document has been produced by the ABI to assist members in their handling of a particular matter. Adoption by members of any terms, standards, guidance, recommendations

More information

MATERIAL DAMAGE AND BUSINESS INTERRUPTION INSURANCE SUGGESTED WORDINGS

MATERIAL DAMAGE AND BUSINESS INTERRUPTION INSURANCE SUGGESTED WORDINGS MATERIAL DAMAGE AND BUSINESS INTERRUPTION INSURANCE SUGGESTED WORDINGS Competition Law Compliance: This document has been produced by the ABI to assist members in their handling of a particular matter.

More information

COMMERCIAL PROPERTY INSURANCE

COMMERCIAL PROPERTY INSURANCE COMMERCIAL PROPERTY INSURANCE CONTENTS POLICY SCHEDULE PAGE Attached OPERATIVE CLAUSE 2 PERILS 3-5 GENERAL EXCLUSIONS TO THE PERILS 5-7 GENERAL PROVISIONS 7-8 GENERAL CONDITIONS 8-9 CLAIMS CONDITIONS 9-11

More information

PROPOSAL FORM FOR HOME INSURANCE

PROPOSAL FORM FOR HOME INSURANCE United Insurance Company PSC PROPOSAL FORM FOR HOME INSURANCE IMPORTANT NOTES Filling and signing this application form does not automatically result in a contract. Insurance becomes in force once United

More information

Landlord s Household Insurance Policy Summary

Landlord s Household Insurance Policy Summary Landlord s Household Insurance Policy Summary This document is a guide to the cover provided under Your Landlords Household policy. It is only a summary and does not contain the full terms and conditions

More information

Policy Number: Period of Insurance: To:

Policy Number: Period of Insurance: To: COMPANY LOGO TO P.O BOX BURGLARY INSURANCE POLICY Policy Number: Period of Insurance: From: To: (Both dates inclusive) and any subsequent period for which the Insured shall pay and the Company shall accept

More information

Countrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co.

Countrywide Insurance Services. Home protection plan. Exclusive to Countrywide. Proud to be associated with. www.countrywideinsurance.co. Countrywide Insurance Services Home protection plan Exclusive to Countrywide Proud to be associated with www.countrywideinsurance.co.uk Information booklet Home protection plan information booklet Rebuilding

More information

MONEYSENSE CONSUMER EDUCATION TOPIC: MAKING SENSE OF HOME INSURANCE How does Insurance work for me? Are all losses payable? SPEAKER: MR RUDI SPAAN (PRESIDENT OF AMERICAN HOME ASSURANCE COMPANY, SINGAPORE)

More information

C. AIRCRAFT Aircraft and other aerial devices and/or articles dropped therefrom. Mortgage Commercial Property Insurance Policy

C. AIRCRAFT Aircraft and other aerial devices and/or articles dropped therefrom. Mortgage Commercial Property Insurance Policy Mortgage Commercial Property Insurance Policy We welcome you as a Mashreq Bank Mortgage Commercial Loan borrower to enjoy the benefits offered under this Property Insurance. We request you to go through

More information

BUILDING AND PERSONAL PROPERTY COVERAGE PART

BUILDING AND PERSONAL PROPERTY COVERAGE PART BUILDING AND PERSONAL PROPERTY COVERAGE PART We cover direct physical loss to covered property at the premises described on the declarations caused by a covered peril. PROPERTY COVERED We cover the following

More information

Property Owner s Summary of Cover

Property Owner s Summary of Cover Property Owner s Summary of Cover The following is a summary of the policy and does not contain the full terms and conditions, which can be found in the policy. It is important that you read the policy

More information

Holiday Home Insurance PROPOSAL FORM

Holiday Home Insurance PROPOSAL FORM Holiday Home Insurance PROPOSAL FORM Holiday Home Insurance Summary of Cover available There are conditions, limitations, exclusions and excesses within the wording a copy of which will be provided on

More information

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY

QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION

More information

Unoccupied Property Insurance Proposal Form

Unoccupied Property Insurance Proposal Form Unoccupied Property Insurance Proposal Form This proposal form is NOT for use by Consumer Customers It is essential you provide us with ALL MATERIAL FACTS. Failure to disclose any material facts may invalidate

More information

BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE BROXTOWE BOROUGH COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the council or by making your own private arrangements. Many

More information

Affordable Home Contents Insurance

Affordable Home Contents Insurance Affordable Home Contents Insurance We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private

More information

Unoccupied Property Insurance Proposal Form

Unoccupied Property Insurance Proposal Form Unoccupied Property Insurance Proposal Form This proposal form is not for use by Consumer Customers It is essential you provide us with ALL MATERIAL FACTS. Failure to disclose any material facts may invalidate

More information

Home Insurance Cover

Home Insurance Cover Important. Please read and keep it safe. Supplement Privileged Rate Home Insurance Cover AVIREGP0018 Home Insurance Policy R3.indd 1 Supplement Privileged Rate Home Insurance Cover Contents Page Summary

More information

AGREEMENT DEFINITIONS COVERAGES

AGREEMENT DEFINITIONS COVERAGES Dwelling Property 1 Basic Form Ed. 7-88 AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS

More information

Contractors Plant and Equipment Insurance Policy

Contractors Plant and Equipment Insurance Policy Contractors Plant and Equipment Insurance Policy Please read this Policy carefully to ensure that it meets your requirements This policy the Schedule (including any Schedule issued in substitution) and

More information

"Contents" means unscheduled personal property you or a family member owns or possesses.

Contents means unscheduled personal property you or a family member owns or possesses. What Is Covered This part of your Masterpiece Policy provides you with coverage against all risks of physical loss to your contents anywhere in the world unless stated otherwise or an exclusion applies.

More information

MOTORCYCLE INSURANCE POLICY (SAMPLE)

MOTORCYCLE INSURANCE POLICY (SAMPLE) MOTORCYCLE INSURANCE POLICY (SAMPLE) SAMPLE COLONIAL MOTORCYCLE POLICY 1 COLONIAL MOTOR CYCLE COVER The Colonial Insurance Company Ltd. (hereinafter referred to as Colonial ) agrees to provide insurance

More information

Home Insurance Policy. In association with

Home Insurance Policy. In association with Home Insurance Policy In association with Home Insurance Policy The following summary does not contain the full terms and conditions of the contract which can be found in the insuring document, a copy

More information

PRIVATE CAR PACKAGE POLICY

PRIVATE CAR PACKAGE POLICY PRIVATE CAR PACKAGE POLICY Whereas the insured by a proposal and declaration dated as stated in the Schedule which shall be the basis of this contract and is deemed to be incorporated herein has applied

More information

Garden Protect Policy Document

Garden Protect Policy Document Garden Protect Policy Document www.greeninsurancecompany.co.uk Contents What is Garden Protect 2 Contract of Insurance 2 Summary of Cover (Limits and Excesses) 2 Definitions 3 Governing Law 3 Cancellation

More information

Property Owners Insurance Proposal Form

Property Owners Insurance Proposal Form Property Owners Insurance Proposal Form This proposal form is NOT for use by Consumer Customers It is essential you provide us with ALL MATERIAL FACTS. Failure to disclose any material facts may invalidate

More information

Home Insurance. Your policy summary AXA ABC

Home Insurance. Your policy summary AXA ABC Home Insurance Your policy summary AXA ABC February 2014 Policy summary This policy summary does not contain full details and conditions of your insurance these are located in your policy booklet. This

More information

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY Appendix 7b 1 WHEREAS the Insured by a proposal which shall be the basis of this Contract and be held as incorporated herein has applied

More information

Household Contents Insurance Application Form

Household Contents Insurance Application Form Housing Services Household Contents Insurance Application Form Immediate cover. The opportunity to pay fortnightly with rent. Realistic minimum sums insured. New for Old Insurance. in association with

More information

Tenants Contents Insurance Policy Summary

Tenants Contents Insurance Policy Summary Tenants Contents Insurance Policy Summary This document is a guide to the cover provided under Your Tenants Contents policy. It is only a summary and does not contain the full terms and conditions of the

More information

Residential Landlords Insurance. Policy Summary

Residential Landlords Insurance. Policy Summary Residential Landlords Insurance Policy Summary Amlin Residential Landlords Insurance policy summary This insurance is designed to provide you with a wide range of standard cover in connection with the

More information

Tenants Contents Insurance Policy Summary

Tenants Contents Insurance Policy Summary Tenants Insurance Policy Summary This is a summary and does not contain the full terms and conditions of the cover, which can be found in the Tenants Policy Wording version 0709. It is important that you

More information

Tenants Home Contents Insurance Application Form

Tenants Home Contents Insurance Application Form Tenants Home Contents Insurance Application Form PLEASE RETURN YOUR COMPLETED APPLICATION FORM TO: Viewpoint Housing Association, 4 South Oswald Road, Edinburgh, Lothian, EH9 2HG Viewpoint Housing Association

More information

Let Home Insurance. Introduction. Buildings. Significant features and benefits

Let Home Insurance. Introduction. Buildings. Significant features and benefits Let Home Insurance Introduction Our Let Home insurance policy is designed for owners or leaseholders who let out private houses and flats to tenants and wish to insure the buildings and/or contents. You

More information

Your policy summary Buy to Let

Your policy summary Buy to Let Buildings and contents insurance for landlords Your policy summary Buy to Let February 2014 edition Contents How much cover do I need? 3 Features and benefits 4 Policy summary 6 Features and benefits 7

More information

HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE

HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE HARINGEY COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme arranged by the Council or by making your own private arrangements. Many tenants

More information

JUST FOR YOU HOME CONTENTS INSURANCE

JUST FOR YOU HOME CONTENTS INSURANCE HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly, fortnightly, monthly or annually No excess payment required if you claim Cover for most household items including TV, video,

More information

EXISTING BUILDINGS INSURANCE. Extension

EXISTING BUILDINGS INSURANCE. Extension EXISTING BUILDINGS INSURANCE Extension Existing Buildings Insurance Extension 3 Additional Definitions to Existing Buildings Insurance THIS SECTION APPLIES ONLY WHERE SHOWN AS OPERATIVE IN THE SCHEDULE

More information

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY

SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY SPECIMEN COPY OF KEY CLAUSES/CONDITIONS OF PUBLIC LIABILITY POLICY WHEREAS the Insured by a proposal which shall be the basis of this insurance policy and be held as incorporated herein, has applied to

More information

Supplement Privileged Rate. Home Insurance Cover. Important. Please read and keep it safe.

Supplement Privileged Rate. Home Insurance Cover. Important. Please read and keep it safe. Supplement Privileged Rate Home Insurance Cover Important. Please read and keep it safe. Summary of Cover Definitions Section 1 Contents Section 2 Renovations Section 3 Personal legal liability Section

More information

SmartHome Prestige. The Ultimate Security for your Home

SmartHome Prestige. The Ultimate Security for your Home SmartHome Prestige The Ultimate Security for your Home SmartHome Prestige, an All Risks insurance, offers maximum protection for the discerning home owners buildings, fixtures, fittings, renovation, contents,

More information

Carriers Cargo Liability Insurance. Policy Wording

Carriers Cargo Liability Insurance. Policy Wording Carriers Cargo Liability Insurance Policy Wording Effective date: 1 December 2011 Page 2 of 6 Schedule Contents About our Carriers Cargo Liability Insurance About Zurich... 2 How to apply for this insurance...

More information

me Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE

me Insurance Proposal for Home Insurance Home Insurance Proposal for Proposal for COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE Proposal for Proposal for Proposal for Home Insurance Home Insurance me Insurance COSMOS INSURANCE COMPANY PUBLIC LTD HEAD OFFICE 46, Griva Digeni Avenue, 1080 Nicosia, P.O.Box 21770, 1513 Nicosia Tel:

More information

Property Owners Insurance Proposal Form

Property Owners Insurance Proposal Form Property Owners Insurance Proposal Form This proposal form is not for use by businesses or Commercial Entities If you do not answer any questions honestly, accurately or withhold information we may refuse

More information

INDUSTRIAL AND COMMERCIAL PROPERTY INSURANCE POLICY

INDUSTRIAL AND COMMERCIAL PROPERTY INSURANCE POLICY INDUSTRIAL AND COMMERCIAL PROPERTY INSURANCE POLICY In consideration of the Insured named in the Schedule hereto paying to the Company named therein the first premium mentioned in the said Schedule The

More information

Standard Contents Cover. your. contents policy

Standard Contents Cover. your. contents policy Standard Contents Cover your contents policy This page is a summary of the policy, intended to help you understand its terms. It does not form part of the policy itself. what you need to know about your

More information

Contents. General terms and conditions 02. Vehicle comprehensive 06. Vehicle third party, fire and theft 09. Vehicle third party only 12

Contents. General terms and conditions 02. Vehicle comprehensive 06. Vehicle third party, fire and theft 09. Vehicle third party only 12 Contents General terms and conditions 02 Vehicle comprehensive 06 Vehicle third party, fire and theft 09 Vehicle third party only 12 Off-road vehicle comprehensive 14 Motorcycle comprehensive 17 Caravan

More information

AGREEMENT DEFINITIONS COVERAGES

AGREEMENT DEFINITIONS COVERAGES Dwelling Property 1 Basic Form Ed. 7-88 AGREEMENT We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. DEFINITIONS

More information

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE

A CONSUMER'S GUIDE TO RENTER S INSURANCE. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A CONSUMER'S GUIDE TO RENTER S INSURANCE from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, The North Carolina Department of Insurance

More information

RENTERS PROTECTION POLICY - BROAD PERSONAL PROPERTY -

RENTERS PROTECTION POLICY - BROAD PERSONAL PROPERTY - RENTERS PROTECTION POLICY - BROAD PERSONAL PROPERTY - PERSONAL PROPERTY describes the coverage you have in case of loss to your household goods and other personal property. PERSONAL PROPERTY is not complete

More information

Landlord Underwriting Guide

Landlord Underwriting Guide Landlord Underwriting Guide Definitions/Excesses The Allianz Landlord Insurance Policy is designed for people who own individual properties or for those who own multiple properties. The Policy provides

More information

COMMUNITY RESIDENTIAL POLICY SCHEDULE

COMMUNITY RESIDENTIAL POLICY SCHEDULE COMMUNITY RESIDENTIAL POLICY SCHEDULE LEASEHOLD AND MORTGAGED BUILDINGS INSURANCE Policy Number N0A4N0V15A0T Agents Name Gallagher Heath Policyholder s Name Guildford Borough Council Millmead House, Millmead,

More information

The Cover. Additional Increase in Cost of Working. BIGRNP(SI)_7 Ace Package Policy 2013 ix.12

The Cover. Additional Increase in Cost of Working. BIGRNP(SI)_7 Ace Package Policy 2013 ix.12 Section 2 - Business Interruption Fire and Specified Perils If any building or other property used by the Insured at the Premises for the purpose of the Business is lost, destroyed or damaged by any Specified

More information

GENERAL TERMS & CONDITIONS

GENERAL TERMS & CONDITIONS GENERAL TERMS & CONDITIONS 1. IMPORTANT INFORMATION ABOUT YOUR iwyze POLICY 1.1 iwyze is underwritten by Mutual & Federal Insurance Company Ltd (Reg. No. 1970/006619/06) which provides your insurance cover

More information

OIM Underwriting Ltd Policy Summary LANDLORDS INSURANCE FOR LET PROPERTY

OIM Underwriting Ltd Policy Summary LANDLORDS INSURANCE FOR LET PROPERTY LANDLORDS INSURANCE FOR LET PROPERTY This is a summary of the cover available under the OIM Underwriting Ltd Policy. It does not include all the policy benefits, limits and exclusions. Full terms and conditions

More information

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly with your rent. No excess payment required if you claim

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly with your rent. No excess payment required if you claim HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly with your rent No excess payment required if you claim Cover for most household items including TV, video, DVD players and

More information

BASIC DWELLING PROPERTY FORM EXCLUDING THEFT

BASIC DWELLING PROPERTY FORM EXCLUDING THEFT -- READ THIS ENTIRE POLICY CAREFULLY -- FMH-1002 Ed 2.0 THIS IS A LEGAL CONTRACT Page 1 of 7 BASIC DWELLING PROPERTY FORM EXCLUDING THEFT The following Table of Contents shows how the policy is organized.

More information

Commercial Property Insurance

Commercial Property Insurance Commercial Property Insurance Insurance Companies: Alberta School Boards Insurance Exchange Subscribing Insurers Insuring Agreement The Insurer agrees to pay the Insured named on the Coverage Summary for

More information

Mortgage Shield Property Insurance Terms and Conditions 10/12. www.standardchartered.ae

Mortgage Shield Property Insurance Terms and Conditions 10/12. www.standardchartered.ae Mortgage Shield Property Insurance Terms and Conditions 10/12 www.standardchartered.ae We welcome you as Standard Chartered Bank Mortgage Loan Borrower to enjoy the benefits offered under this Mortgage

More information

obf UNOCCUPIED HOME INSURANCE INSURANCE GRO UP Arranged exclusively by OBF Insurance Group Ltd. with certain underwriters at Lloyd s

obf UNOCCUPIED HOME INSURANCE INSURANCE GRO UP Arranged exclusively by OBF Insurance Group Ltd. with certain underwriters at Lloyd s obf INSURANCE GRO UP UNOCCUPIED HOME INSURANCE Arranged exclusively by OBF Insurance Group Ltd. with certain underwriters at Lloyd s EFFECTED THROUGH OBF Insurance Group Ltd. Bridge House Baggot Street

More information

Highhouse Home Cover: Summary of Cover Available

Highhouse Home Cover: Summary of Cover Available Highhouse Home Cover: Summary of Cover Available About this Summary of Cover This summary provides key information only about insurers and the insurance cover available within Highhouse Insurance Services

More information

NLA Property Insurance

NLA Property Insurance NLA Property Insurance Standard cover Your policy at a glance This Policy Summary is designed to help you understand your insurance policy by setting out the significant features, benefits, limitations

More information

Burglary Insurance Policy Wordings

Burglary Insurance Policy Wordings Burglary Insurance Policy Wordings 1 of 7 Burglary Insurance Policy In consideration of Your having paid the premium for the policy period stated in the Schedule or for any further period of insurance

More information

WAREHOUSE OPERATORS LEGAL LIABILITY COVERAGE FORM

WAREHOUSE OPERATORS LEGAL LIABILITY COVERAGE FORM COMMERCIAL INLAND MARINE IH 00 81 09 09 WAREHOUSE OPERATORS LEGAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties

More information

CONDOMINIUM INSURANCE

CONDOMINIUM INSURANCE CONDOMINIUM INSURANCE Abaco Insurance Agency Ltd. www.abacoinsurance.com INDEX AND POLICY GUIDE The Schedule shows the Sections which are included in your Policy and the particulars of your insurance.

More information

YOUR GOLF INSURANCE POLICY

YOUR GOLF INSURANCE POLICY GOLF YOUR GOLF INSURANCE POLICY Everything you need to know. Whereas the Insured by a Proposal and Declaration which shall be the basis of this Contract and is deemed to be incorporated herein has applied

More information

Scottish Federation of Housing Associations. Contents Insurance Policy Wording. Scottish Federation of

Scottish Federation of Housing Associations. Contents Insurance Policy Wording. Scottish Federation of Scottish Federation of Housing Associations Contents Insurance Policy Wording Scottish Federation of Housing Associations SCOTTISH FEDERATION OF HOUSING ASSOCIATIONS REMINDS ALL TENANTS AND OWNER OCCUPIERS

More information

Building and Tenant Insurance Policy Wording

Building and Tenant Insurance Policy Wording American Home Assurance Company 5 th Floor, JW Marriott Office Block A, P O Box 40569, Dubai UAE Tel: +971 4 214 3000 Fax: +971 4 214 2018 URL: www.aig.ae Building and Tenant Insurance Policy Wording Claims

More information

HOME CHOICE INSURANCE POLICY SUMMARY

HOME CHOICE INSURANCE POLICY SUMMARY HOME CHOICE INSURANCE POLICY SUMMARY μ Home Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions

More information

Application Form. Household Contents Insurance

Application Form. Household Contents Insurance JUST FOR YOU HOME CONTENTS INSURANCE Household Contents Insurance Application Form FALKIRK COUNCIL REMINDS ALL CUSTOMERS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this scheme

More information

Depot/Shop Insurance. Supporting the work of POLICY SUMMARY

Depot/Shop Insurance. Supporting the work of POLICY SUMMARY Depot/Shop Insurance Supporting the work of POLICY SUMMARY Depot and Shop Insurance made simple Unity Insurance Services has created a no nonsense answer to insuring shops and depot operations in the United

More information

INSURANCE DETAILS. Summary of insurance cover along with premium charges wherever applicable:

INSURANCE DETAILS. Summary of insurance cover along with premium charges wherever applicable: INSURANCE DETAILS Summary of insurance cover along with premium charges wherever applicable: Card Type Cover for Sum Insured* 1. Cover for outstanding dues in case of death of credit card holder (Credit

More information

COMPREHENSIVE HOME INSURANCE

COMPREHENSIVE HOME INSURANCE COMPREHENSIVE HOME INSURANCE Protect Everything Youre Worked So Hard To Get Rest Assured With Flexible, Affordable Home Insurance Premium Fully Refundable Within 30 Days of Inception The Home Insurance

More information

Premier Contents Insurance Policy

Premier Contents Insurance Policy Welcome! We welcome you as a valued customer. You have entrusted us with the insurance of your contents. We value that trust. Our Guarantee If you are not completely happy with your policy, please tell

More information

國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介

國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介 A7 附 件 國 泰 產 物 Public Liability Insurance Policy(Occurrence Form) 保 險 商 品 簡 介 備 查 文 號 :103.12.25(103) 企 字 第 200-939 號 免 費 申 訴 電 話 :0800-036-599 查 閱 本 公 司 資 訊 公 開 說 明 文 件 網 址 :www.cathayholdings.com/insurance

More information

Home Contents Insurance Scheme

Home Contents Insurance Scheme Home Contents Insurance Scheme Many tenants wrongly believe that Plymouth Community Homes insure their home contents for them this is not the case. We do not insure your furniture, belongings or decorations

More information

HOME INSURANCE TERMS AND CONDITIONS

HOME INSURANCE TERMS AND CONDITIONS HOME INSURANCE TERMS AND CONDITIONS 1 Head Office BKIC Tower 2775 Road 2835 Seef District 428 P.O. Box 10166 Manama Kingdom of Bahrain TEL: (973) 1711 9999 FAX: (973) 1792 1111 Diplomatic Area: (973) 1754

More information

ACCIDENTAL DAMAGE (PROPERTY) INSURANCE

ACCIDENTAL DAMAGE (PROPERTY) INSURANCE ACCIDENTAL DAMAGE (PROPERTY) INSURANCE This Policy should be read carefully and its terms noted. The Insurer agrees (subject to the terms, conditions and exclusions contained herein or endorsed or otherwise

More information

Guide to Home Buildings and Contents Insurance. April 2012

Guide to Home Buildings and Contents Insurance. April 2012 Guide to Home Buildings and Contents Insurance April 2012 ABI GUIDE TO HOME BUILDINGS REPORT AND ON CONTENTS BOARD EFFECTIVENESS INSURANCE 3 What this guide is for and how it works We, the Association

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Buildings insurance What is buildings insurance Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor

More information

HOME INSURANCE ESSENTIALS POLICY SUMMARY.

HOME INSURANCE ESSENTIALS POLICY SUMMARY. HOME INSURANCE ESSENTIALS POLICY SUMMARY. Our Home Insurance Essentials policy provides you with home and contents cover. You can also purchase additional sections of cover to tailor the policy to your

More information

S p e c i m e n PRIVATE CAR/MOTORCYCLE INSURANCE POLICY (FOR PRIVATE COLLECTORS)

S p e c i m e n PRIVATE CAR/MOTORCYCLE INSURANCE POLICY (FOR PRIVATE COLLECTORS) PRIVATE CAR/MOTORCYCLE INSURANCE POLICY (FOR PRIVATE COLLECTORS) This policy is a contract of Indemnity between GasanMamo Insurance Ltd., and you, our Policyholder. Subject to the policy terms and endorsements,

More information

You are insured for accidental loss to insured property occurring during transit caused by an external and physical event.

You are insured for accidental loss to insured property occurring during transit caused by an external and physical event. Marine household goods & personal effects transit INSURANCE POLICY INSURANCE AGREEMENT OUR AGREEMENT You agree to pay us the premium. In exchange, we agree to insure you as set out in this policy document.

More information

HHI-2 THE NEW INDIA ASSURANCE COMPANY LIMITED

HHI-2 THE NEW INDIA ASSURANCE COMPANY LIMITED Form No. HHI-2 THE NEW INDIA ASSURANCE COMPANY LIMITED Registered & Head Office- 87, M.G. Road, Fort, Mumbai-400001. HOUSEHOLDER'S INSURANCE POLICY CLAUSE WHEREAS the Insured named in the Schedule hereto

More information

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover

Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc. Summary of Cover Paragon Advance Landlords Buildings & Contents Policy Underwritten by Zurich Insurance plc Summary of Cover Summary of Cover Important you should read this This leaflet provides a summary of the significant

More information

How To Get A Condominium Unit Owners Insurance

How To Get A Condominium Unit Owners Insurance PERSONAL INSURANCE Condominium Unit Owners Insurance You need homeowners insurance, too. Who Pays for the Damage to Your Possessions? Answer: You do. As an owner of a condominium unit, you are also a member

More information

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly, monthly or annually. No excess payment required if you claim

JUST FOR YOU HOME CONTENTS INSURANCE. Low cost peace of mind. Easy payment weekly, monthly or annually. No excess payment required if you claim HOME CONTENTS INSURANCE JUST FOR YOU Low cost peace of mind Easy payment weekly, monthly or annually No excess payment required if you claim Cover for most household items including TV, video, DV D players

More information

PUBLIC LIABILITY INSURANCE POLICY

PUBLIC LIABILITY INSURANCE POLICY PUBLIC LIABILITY INSURANCE POLICY IT IS AGREED THAT subject to the Terms Exceptions and Conditions contained herein or endorsed hereon the Company will during the Period of Insurance stated in the said

More information

Application Form. Household Contents Insurance

Application Form. Household Contents Insurance JUST FOR YOU HOME CONTENTS INSURANCE Household Contents Insurance Application Form ABERDEENSHIRE COUNCIL REMINDS ALL TENANTS TO TAKE OUT HOUSEHOLD CONTENTS INSURANCE You can do this either through this

More information

Coverage that fits your lifestyle

Coverage that fits your lifestyle CONDOMINIUM UNITOWNERS Coverage that fits your lifestyle Your condominium (condo) association may include insurance for the building s structure, but covering your unit and personal possessions is up to

More information

HOME ADVANTAGE INSURANCE

HOME ADVANTAGE INSURANCE HOME ADVANTAGE INSURANCE Introduction Our Home Advantage insurance is designed to provide you with a wide range of cover when insuring the buildings and contents of your Home, personal possessions, valuables,

More information

Self-Insured Coverage Document Auto Physical Damage

Self-Insured Coverage Document Auto Physical Damage Self-Insured Coverage Document Auto Physical Damage 2014 WCIA Auto Physical Damage Coverage Document Page 2 Washington Cities Insurance Authority Self-Insured Coverage Document Auto Physical Damage APDCov2014

More information

TENANTS CONTENTS INSURANCE MADE SIMPLE

TENANTS CONTENTS INSURANCE MADE SIMPLE TENANTS CONTENTS INSURANCE MADE SIMPLE working with Eastlands Homes has negotiated a Home Contents Insurance Scheme designed specifically for our tenants. At these prices, can you afford not to be insured?

More information