Household Contents

Indemnifies you against loss or damage to your property caused by

• Fire & lightning
• Flood, windstorm, typhoon, earthquake, volcanic eruption
• Impact damage by vehicle or animals not under your control or any of your family members
• Domestic explosion
• Aircraft and other aerial devices and/or articles dropped therefrom
• Theft/burglary accompanied by actual forcible and violent entry
• Hold-up and armed robbery
• Water damage caused by bursting or overflowing of water tanks, apparatus or pipes
• Riot, strike and malicious damage

The policy offers a basic sum insured of RM10,000 for minimum premium of RM70.

Personal Accident Insurance

24-hour worldwide cover for bodily injury resulting in death or permanent disablement caused by accidental means for you and up to 4 of your immediate family members The sum insured per person is RM10,000.

Household Contents

Loss or damage to

✖Any part of structure or ceiling, wallpaper or the likes. Deeds, bonds, bills of exchange, promissory notes, cheques and stamps

✖Documents of any kind

✖Manuscripts

✖Medals

✖Motor vehicles and accessories

✖Livestock

✖Theft by, any member of your  family and household  

Personal Accident Insurance

✖Insanity, suicide (whether sane or insane), intentionally inflicted injuries or any attempt to do so

✖Any disease, infection, parasite and AIDS

✖Childbirth, miscarriage, pregnancy, or any complications thereof unless caused directly or indirectly by accident

✖Whilst committing or attempting to commit any criminal act

✖Pre-existing physical or mental defect or infirmity

Personal Liability

✖Liability assumed under contract and/or agreement

✖Claims made by your employees for accidents arising in the course of employment

✖Claims against you by your family members

✖Liability arising from the ownership, possession or use of any animal (other than pet dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms

✖Liability arising out of your employment, trade, profession or business

✖Seepage pollution or contamination

✖Fines, penalties, punitive or exemplary damages of any kind