PERSONAL INSURANCE

PRIVATE HOME – SILVER & GOLD

The insurance packages Silver and Gold apply to private dwellings that are occupied solely for residential purposes, by the insured and his family. Both packages provide cover for loss or damage to the building and/or its contents, caused by an insured peril or relating to other covers and benefits, as stated in Section A and Section B, below. To those who choose the Gold package, the additional covers and benefits stated in Section C, apply as well.

Section A – Insured Perils
(Applicable for both packages)

  • Fire, Lightning or Thunderbolt
  • Bush Fire
  • Fire caused by Short Circuit
  • Smoke from Fire
  • Explosion
  • Earthquake or Volcanic Eruption
  • Storm or Tempest and Flood
  • Theft by actual, forcible and violent entry to or exit from the Building
  • Impact on the Buildings
  • Aircraft Fall
  • Accidental Leakage of Water or Domestic Oil

Section B – Other Covers and Benefits
(Applicable to both packages)

  • Cost for locating the cause of water leakage
  • Cost of lost Water or Domestic Oil
  • Public Liability
  • Alternative Accommodation
  • Architects’ and Surveyors’ Fees
  • Debris Removal
  • Accidental Breakage of Mirrors
  • Personal Accident (For the Insured and husband/wife)
  • Foodstuffs, Drinks and other Supplies
  • Money

Section C – Additional Covers and Benefits
(Applicable to Gold only)

  • Contents in the Open
  • Accidental Damage to External Aerials and Security Systems
  • Accidental Fall of:
    (a) Trees, excluding loss or damage caused by lopping
    (b) Electric or telecommunication poles
  • Malicious Damage
  • Riots, Labour or Civil Commotion, Strikes or Lock-Out
  • New for Old Contents
Further to the above, you could also insure your Private Dwelling through the selection of certain insurance covers and benefits which best suits your own requirements.