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Protection
For
Your Home Assets |
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| Household guard is all about reducing your worries.
With household guard you will not have to worry about
loss or damage to your home contents which had taken you
years to accumulate. |
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Scope of Coverage
Household Guard’s wide range of coverage includes
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Fire & Lightning |
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Explosion |
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Natural disasters i.e. windstorm, typhoon,
earthquake, volcanic eruption |
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Impact damage by aerial and/or ground devices |
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Theft/burglary following forcible entry |
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Hold up & armed robbery |
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Bursting/overflowing of domestic pipes/water
tanks pipes/water tanks |
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Riot. Strike & malicious damage |
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Extensive contents coverage
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Furniture including wall mirrors |
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Electrical appliances including cam-corders,
camera and the like |
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Personal computers including its software |
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Silverware, gold, platinum, pewter, jewellery,
watches furs up to 30% of sum insured |
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Cash, currency notes, bank notes, coins
collections up to RM1,500.00 |
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Personal effects situated within the compound
e.g. bicycles, gardening tools up to RM1,000.00 |
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Antiques, valuable paintings and other valuable
up to 30% of sum insured |
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Servant property up to RM1,000.00 |
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Damage to refrigerator contents and the
like caused by insured perils up to RM200.00 |
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Damage to lock and keys consequent of insured
perils up to RM2,000.00 |
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Fire department charges up to RM5,000.00 |
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Property temporarily removed |
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Personal Accident coverage up to 5 members
of the household up to RM10,000.00 per person. |
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Cash reimbursement up to 10% of Sum insured. |
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Public Liability cover which will protect
you against legal liabilities in the event
you inadvertently cause injury or property
damage to other up to RM250,000.00 |
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Exclusion
The insurance shall not apply to: -
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War, invasion, act or foreign
enemy, hostilities (whether war be declared
or not), Civil war, rebellion, revolution,
insurrection, mutiny or usurped power, military
or Usurped power, military or popular uprising; |
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Insanity, suicide (whether sane or insane)
or any attempt threat, intentional self-inflicted
injuries; |
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Any form of disease, infection or parasites
including malaria, dengue fever and Acquired
Immune deficiency Syndrome (AIDS) or AIDS
Related Complex (ARC), Japanese Encephalitis;
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Childbirth, miscarriage, pregnancy or any
complications thereof; |
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Provoked murder or assault; |
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While traveling in an aircraft or ship as
a member of the crew, except only as a fare-paying
passenger in an aircraft or ship licensed
for passenger service; |
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While committing or attempting to commit
any unlawful act; |
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While participating in any professional
sports; |
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Martial arts or boxing, aerial activities
including parachuting and hang-gliding, underwater
activities exceeding 50 meters in depth, professional
mountaineering involving the use of ropes
or mechanical guides; |
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Racing (other than on foot), pace-making,
speed or reliability trails; |
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Lonization, radiation or contamination by
radioactivity, nuclear weapons material; |
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Riding a motorcycle without a valid driving
license. |
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While participating in a brawl/strike/ riot/civil
commotion or demonstration. |
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Asbestos, or |
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any actual or alleged asbestos related
injury or damage involving the use,
presence, existence, detection, removal,
elimination or avoidance of asbestos
or exposure or potential exposure to
asbestos. |
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Untitled Document
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Contact us at 603 - 2178 8000. |
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