Product information

The benefit(s) payable under eligible policy is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact TMIM or PIDM (visit www.pidm.gov.my).

Why Home Partner
Insurance

Benefits at a glance.

Cover for household contents

Indemnifies you against loss or damage to your property.

Personal Accident insurance

24-hour worldwide cover for bodily injury resulting in death or permanent disability.

Personal liability

Covers your legal liability to third party for bodily injury or damage to property.

Key Coverage

Here is an overview of your coverage

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.

Personal Liability

Covers your legal liability to third party for bodily injury or damage to property.

How much is my premium?

Your premium may vary, depending on

The declared value of your household contents
The following additional perils you wish to extend to your basic cover:
Subsidence and landslip
Bush fire
Damage by falling trees
Full theft including theft by domestic servant
Full theft excluding theft by domestic servant

More product
information

Home Partner Disclosure Sheet (English)

PDF, 181.72 KB

Home Partner Disclosure Sheet (BM)

PDF, 159.84 KB

Home Partner Proposal Form

PDF, 215.79 KB

What we
don't cover

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

Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy

Important information

This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 30 June 2012.

Note: You should satisfy yourself that this policy will best serve your needs. You should read and understand the insurance policy, at all times, feel free to contact us for more information.