Product Disclosure: All RiskBurglary

Malay: Policy DocumentProduct Disclosure

Details
This Insurance is a tariff class of business with rates, commissions, policy wordings and extension endorsements controlled by PIAM. Effective Date of Revised Fire Tariff: July 2000
Scope of Cover
The basis policy provides cover to the insured in the event of loss or damage to the insured property caused by:

1) Fire
2) Lightning
3) Explosion of gas used for domestic purposes

Standard Settlement
Losses are settled on the basis of market value i.e. making deductions for depreciations, wear and tear etc,

Basis of Rating
The premium calculation is based on the following factors: –

1) Construction of Building (Class 1A, 1B, 2 & 3)
2) Occupation
3) Sum Insured

Standard Fire Policy
Losses are settled on the basis of market value i.e. making deductions for depreciations, wear and tear etc,

Product Disclosure: FireHouseowner / Householder

Malay: Policy DocumentProduct Disclosure

Perils/Extensions available (subject to additional premium)
1) Riot Strike and Malicious Damage
-Residential Properties
-Other than residential properties

2) Earthquake and Volcanic Eruption
3) Storm Tempest
4) Flood

5) Explosions
-Industrial without boilers
-Industrial with boilers
-Non-Industrial without boilers
-Non-Industrial with boilers

6) Aircraft Damage

7) Impact Damage
-Excluding insured’s own vehicles
-Including insured’s own vehicles

8) Bursting or Overflowing of Water Tanks Apparatus or Pipes :
-Building exceeding 5 storey (including Mezzanine)
-Others

9) Bush/Lalang Fire

10) Spontaneous Combustion
-by fire only
-full cover

11) Electrical Installations Clause (B)
12) Subsidence & Landslip
13) Damage by falling trees or branches and objects therefrom. And objects therefrom