QBE HOME Plus Package Insurance Fixed Insurance Plans

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1 QBE HOME Plus Package Insurance Fixed Insurance Plans Protect Your HOME, Protect Your ASSETS

2 QBE HOME Plus Package Insurance Fixed Insurance Plans Is your home sufficiently protected from loss from fire, theft or any other causes that will destroy your household contents, your assets? Have you ever thought of what if... A fire breaks out, your home and all personal valuable possessions, home contents and furniture get completely wiped out overnight? A burglar breaks into your home and all your valuables and monies are stolen? Do not leave anything to chance! Home is where your assets are. Protect your HOME - Protect Your Assets Expect the Unexpected. The cost to rebuild your assets/home can be a huge burden. With QBE HOME Plus Package - Fixed Insurance Plan, you can help protect your assets and cover your liabilities quickly and easily with a single, easy to understand policy. With as little as 26 cents a day, you can set your heart at peace! OUR SOLUTIONS FOR YOU Quick & Easy Protection QBE HOME Plus Package Insurance consists of different sections that will help protect you from loss of or damage to your : building, fixtures & fittings; renovation costs; and household contents. Optional covers are also available on your personal effects, worn or carried worldwide, FREE Personal & Family Liability cover, FREE Personal Accident Cover, and the option to insure your domestic helper, chauffeur and gardener as well. Our Plans There are three pre-packaged Fixed Insurance Plans to meet the basic needs of most homeowners/occupiers: Basic Plan Standard Plan Super Plan If these plans do not meet your requirements, you may consider our QBE HOME Plus Flexi Insurance Plan that allows you to mix and match to your desired needs.

3 QBE HOME Plus Package Insurance Fixed Insurance Plans What You Need To Do Just 3 simple steps and you can start to enjoy the comfort and security of your home: Step 1: Apply Approach an authorised QBE agent/broker and discuss your needs, then select the plan that best meets your needs. Fill out the proposal form and decide on the mode of payment most convenient to you: credit card or cheque. Step 2: Understand Your Coverages In Your Policy Upon receiving your Policy, read through the policy wording, and ensure that your needs are correctly and sufficiently met. Call your agent/broker immediately for clarifications should you be unclear of any wording. Step 3: Check Policy Ensure that all details and information are in order. What should you do in the event of a claim? All claims must be made to QBE Insurance (International) Limited immediately upon the occurrence of the claim Doctor s reports or certificates and hospital bills are required to support the claim Retain all bills, invoices and receipts To report a claim or to obtain a claim form, please contact your insurance advisor or the QBE Singapore Claims Department at or visit our website

4 SUMMARY OF BENEFITS The table below provides a summary of covers and maximum sums insured under the QBE HOME Plus Package plan options. If these Plans do not meet your requirements, please opt for our flexible solution to mix and match your desired needs. Types of Cover Basic Plan Standard Plan Super Plan Fixtures, Fittings & Renovation (All Risks Cover) S$50,000 S$75,000 S$100,000 - Alternative Accommodation and/or loss of Rent S$12,500 S$18,750 S$25,000 - Property Owner s Liability - Fire Extinguishment Expenses S$7,500 S$10,000 - Excess - S$100 for each and every claim Household Contents on First Loss Basis (All Risks Cover) S$20,000 S$40,000 S$60,000 - Replacement of locks & keys following a break-in S$1,000 S$1,000 S$1,000 - Cost of reasonable temporary accommodation - Occupier s Liability - Accidental death or theft of pedigree pets - Damage or loss to home contents in the course of removal by professional movers/ pakcers S$10,000 S$15,000 - Damage or loss of refrigerated food & drinks resulting from breakdown or explosion of refrigeration unit or the failure of electricity supply (Subject to an excess of S$50/-) - Excess - S$100 for each and every claim unless specifically stated - The following limits will apply in respect of loss or damage to valuables, musical instruments and photographic equipment: For any one article - up to 5% of the total contents sum insured unless specified in the policy schedule. For any one claim - up to one third of the total contents sum insured unless specified in the policy schedule. Worldwide Personal & Family Liability Any One Occurrence & In The Aggregate Personal Accident - covers death & permanent disablement from accidental means within the insured premise S$25,000 S$25,000 S$25,000 Annual Premium (before GST) S$95 S$168 S$240 Annual Premium (with 7% GST) S$ S$ S$ Note: The information contained stated is subject to the terms, conditions and exclusions of the policy wordings, a copy of which can be obtained from your local QBE office, your agent or broker. Ezra/HomeFixed/Sept14

5 IMPORTANT NOTICE Effective 1 January 2012 POLICY OWNERS PROTECTION SCHEME This policy is protected under the Policy Owners Protection scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your QBE servicing agent / broker or visit the GIA / LIA of SDIC websites ( or or Ezra/HomeFixed/Sept14

6 QBE INSURANCE (INTERNATIONAL) LIMITED A member of the world QBE Insurance Group Unique Entity No. S16FC0047K 60 Anson Road #11-01 Mapletree Anson Singapore Tel: Fax: Ezra/HomeFixed/Sept14