FlexiHome

Product Literature & Proposal Form

Tokio Marine-Flexi Home Brochure_200723 v2 Single Page

Key Coverages of Standard Cover

There are four key sections:

Section One: Building cover*

Depending on your choice of coverage, provides cover for loss or damage to Your Building caused by an Accident or a Named Peril during the Policy Period

Section Two: Contents cover**

Provides cover for loss or damage to Contents caused by an Accident whilst contained in the Building during the Policy Period

Section Three: Worldwide Family Liability (Excluding USA/Canada)

Covers against claim from Third Party for property damage or bodily injury caused to them which You and Your Family is/are legally liable.

Section Four: Personal Accident

Covers You and Your Family against death or permanent disability as a result of an accidental injury.

Note:

*/** You must purchase cover at least for either Building cover or Contents cover. Covers for Worldwide Family Liability (Excluding USA/Canada) and Family Personal Accident will automatically apply as the case may be.

** If the Building is lent let or sublet by You, Section Two is covered on a Named Peril basis and certain automatic extensions will not be applicable. Please contact our insurance agents for further details.

What TM Flexi-Home Enhance does not cover

The following list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

Key Exclusions applicable to Section One

✖︎ Loss or damage caused by the use of unsuitable materials, or faulty workmanship or design

✖︎ Loss or damage caused by cleaning, repair, renovation, or any similar process

✖︎ Anything which happens gradually, such as wear and tear or gradual deterioration.

✖︎ Lawful seizure, detention, confiscation or nationalisation or requisition of destruction of property by or under the order of any government or public or local authority.

Key Exclusions applicable to Section Two

✖︎ Your failure to take due care and precaution to safeguard and protect Your Contents

✖︎ Damage to equipment, musical instruments or the like whilst in use

Key Exclusions applicable to Section Three

✖︎ Liability for injury to You, members of Your Family, Your domestic helper for damages to any of their property

✖︎ Any contractual liability except for landlord and tenant contract, but only if You are legally liable if the contract had not existed

✖︎ Liability arising out of any goods or products designed, manufactured, altered, repaired, serviced, sold, or distributed by You

Key Exclusions applicable to Section Four

✖︎ Pregnancy, miscarriage or any complications thereof and/or pre-existing defects or infirmity

! General Exclusions applicable to all Sections:

✖︎ War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power

✖︎ Use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel

✖︎ Acts of terrorism

✖︎ Asbestos in whatever form or quantity

✖︎ The failure or inability of any computer, electronic equipment, data processing or media, embedded chip, integrated circuit or similar device or firmware or any computer software occurring at any time to:

Correctly recognise any date as its true calendar date
Capture, save or retain, and/or correctly to manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
Capture, save, retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or inability to capture, save, retain or correctly process such data or the inability on or after any date

! Except as specifically provided otherwise, this policy does not cover:

Consequential loss of any kind
Legal liability to pay compensation
Fines, penalties or exemplary damages whatsoever.

How much is my premium?

Your premium may vary, depending on:

Important Information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

For policies distributed in Singapore: 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 the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).