HOUSEHOLD insurance


​Householder Insurance Policy

 

Home is an environment offering affection and security. To ensure complete security & protection against various damages, Householder Policy provides cover both to building and its contents.

 

What does the Householder Insurance Policy cover?

 

Sections Sections What is Covered What is not Covered​​​​​
 1. Fire Building Loss to money, securities, livestock, motor vehicle, documents​
2. Fire, Allied Perils & Burglary & House-breaking risks​ Contents​ Loss to money, securities, livestock, motor vehicle, documents, jewellery/ ornaments & other valuables​​
 3.a All Risk​ Jewellery & Valuables kept in the locked Safe at premises – 30% allowed outside
    Safe for daily use​​
Please refer policy
 3.b All Risk​ Loss or damage to Jewellery, Valuables etc. due to accident or misfortune​​ Theft from car (saloon) except when stolen while properly locked. Loss caused by moth, mildew etc​​​
4. Plate Glass (Fixed only)​​ Accidental breakage of fixed plate glass​​​ Scratches on the Glass​​​​
 5.a Personal Computer & Laptops (premises only) Personal Computer & Laptops​​​​ Loss due to wear & tear faults defects existing at commencement of the policy, for which the manufacturer is responsible​​​​​
 5.b Laptops (worldwide)​​​​ Laptops​​​​​ Loss due to wear & tear faults defects existing at commencement of the policy, for which the manufacturer is responsible​​​​​​
 6 Baggage​​​​​ Loss to accompanied baggage by accident or misfortune​ Loss of cash, jewellery loss
 7 Personal Accident​​​​​​ Death or bodily injury by accidental, external violent, visible means including Medical Expenses resulting from accident & weekly compensation during hospitalization in Hospital only.
Self / Spouse (upto 65 years ) – Sum Insured  Dhs. 100,000/- each / Children (from 10 years and above)  - Sum Insured Dhs. 50,000/- each  / Domestic Help (upto 65 years ) – Sum Insured Dhs. 25,000/- each
Suicide or attempted suicide, self -injury, death or injury resulting from the Insured committing any breach of law with criminal intent​​​​​​​​
 8 Public Liability​​​​​​ Public Liability including legal liability to
Landlord (rented premises) and neighbours
Upto an Indemnity limit of Dhs. 250,000/-
Inclusive of cost of litigation with the  consent of the Company
Liability to family members & employees​​​​​​​​

 

This is an information Brochure only. For detailed terms and conditions of Home Insurance Policy, please  contact our office.

 

How to purchase?

 

For detailed information,

Call toll free : 800(628873) - Ext 123

email: property@oicgulf.ae