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FAQ

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Claims

My TV was struck by lightning. Can I claim under my policy?

Yes, you may submit a claim provided that your policy extends to cover contents.

Is the loss of cash at home covered in the event of fire?

The policy does not cover loss of cash in the event of fire.

How is the loss of my contents determined in the event of total loss?

In the event of a total loss, a Loss Adjuster will be appointed to assist in assessing the amount of loss.

How are claims for damaged items paid?

Damaged items are paid in accordance with the current market value at the time of the loss less betterment, if applicable.

Am I able to purchase the Houseowner Insurance if I am renting out the premises?

Yes, you can.

If the house I rented out is deemed to be uninhabitable as a result of a fire or flood event, am I able to claim for the loss of rent?

Yes, you are able to do so if the house is rendered uninhabitable. The limit of compensation is not to exceed in the aggregate 10% or up to the limit as endorsed on the total sum insured on building and/or contents.

What about the damage to my vehicles parked in my driveway?

The policy does not cover vehicles. Please refer to your Motor Insurance Policy.
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