An insurance package developed by Chartered Brokers Ltd.
Household Insurance
Household Insurance
Our homes are at the center of our lives. It is where everything and everyone that is important gathers. That is why it is paramount to have good protection against the unpredictable whims that life might throw at you.
A comprehensive household insurance is a multi-risk insurance that provides a broad protection ranging from your possessions to the liability of household members.
The Household Insurance offered by Swan General Ltd branded “Protect Home Insurance” is the most comprehensive available on the market. The policy can be tailored to provide the cover that will best suit your requirements and lifestyle.
Protect Home Insurance covers your house, its contents, the people who live there and those who work there. If you’re hurt, disabled, or die in an accident – whether at home or while you’re out you are covered. The protection this policy offers goes beyond your home. It covers the financial loss if you are robbed at a cashpoint or if your credit card has been stolen or used fraudulently. If you wish, you may also opt for a cover that protects your jewellery, sports and technical equipment, and other valuable belongings. The policy can even cover your furry friends with a domestic animals’ cover, if you need it. Swan General Ltd will replace your damaged items on a New for Old basis and automatically cover items you purchase throughout the year.
| Interest | Scope of Cover | Main Exclusions |
|---|---|---|
| Buildings contents, Jewellery and Personal effects | Fire; Lightning; Explosion; Volcanic eruption; Earthquake; Riots; Strikes; Civil commotion; Vandalism; Malicious damage; Bursting and overflowing of water tanks; Impact; Subsidence; Ground heave; Cyclone; Storm; Tidal wave; Tsunami; Flood; Burglary; Theft; Larceny; Aircraft; Breakage of glass and sanitary fixtures; Accidental damage; Guests and visitors property; Clothing and personal effects of domestic employees. |
1. Cyclone and Flood Exterior paintwork, waterproofing treatment unless the house is so damaged as to require repair or replacement; Property in the open or in open premises; Rainwater infiltration unless the house is so damaged to admit rainwater; Canopies, pergolas, conservatories, greenhouses, glasshouses, paths and driveways. 2. Burglary Contents in outbuildings; Loss or damage while the house has been lent, let or sublet. |
| Computer equipment | Unforeseen, sudden physical loss or damage | Property used for business |
| Cycles, bikes, carts | Loss or damage | Scratching; derangement; built-in defects; mechanical or electrical breakdown |
| Sports equipment | Loss or damage; Legal liability towards third parties | Scratching; derangement; built-in defects; mechanical or electrical breakdown |
| Money and credit cards | Burglary and theft | Business credit cards |
| Domestic animals | Veterinary fees; Death as a result of bodily injury; Advertising and reward costs for the recovery of a stolen animal | Animals other than cats and dogs; Preventive treatment; Chronic conditions; Animalsmore than 8 years or less than 8weeks; Poisoning |
| Personal liability | Bodily Injury caused to third parties; Damage to property of third parties | Deliberate acts or omissions |
| Employers liability | Damages payable followingbodily injury sustained at work; Legal costs and expenses | Medical expenses in excess of RS 4,000 |
| Personal accident | Death; Permanent disablement and Medical expenses following accidents | While under the influence of alcohol; Professional sports; Parachuting; Hand gliding; Scuba diving; Mountaineering with ropes; Kidnap or Ransom |
| Hole-in-one | Costs of drinks paid following a Hole-in-one | Subject to written confirmation from Golf Captain or Caddy Master |
TERMS AND CONDITIONS:
1. Receipts and/or valuation certificate to be provided for paintings and items of high value such as jewelleries and watches and items above Rs 15,000
2. For items insured under All Risks section detailed list to be provided
