For your Home (if you are the owner)
Loss of or damage to the Residence & Outbuildings against the following Perils:
Fire, explosion, lightning, earthquake, tidal waves, volcanic eruption, tsunami, cyclone, storm, flood or inundation, subsidence or landslip, bursting or overflowing of water tanks, riots, strikes and malicious persons' acts, burglary and theft, impact by vehicles, aircraft
Residence means the private dwelling and the domestic quarters, garages and outbuildings on the same premises and used therewith. They are covered against the perils mentioned above
Free extra benefits
- Indemnity on a « new for old » basis
- Breakage of fixed glass and sanitary fixtures
- Loss of rent
- Rebuilding costs
- Replacement of locks to external doors and alarms up to Rs 5,000
- Contracting Purchaser
For your Contents
Contents mean the household goods and personal effects, belonging to you or any member of your family permanently residing with you.
They are covered against the perils mentioned in Home Section above, whilst contained in the buildings and when temporarily removed
Free extra benefits
- Indemnity on a « new for old » basis (except clothing and personal effects)
- Loss of cash by Burglary up to Rs 2,500
- Breakage of glass mittors and sanitary fixtures
- Loss of rent and cost of alternative accomodation
- Fatal injury to Insured and Insured’s spouse (Death Benefit up to Rs 100,000)
- Accidental Damage to home entertainment equipment
Additional Benefits
Additional Benefits cover the following :
- Modification Costs of your house(necessary expenses up to a limit of Rs 100,000 incurred in respect of costs of modification of the residence should you and/or your wife/husband/children permanently residing with you become permanently disabled as a result of an accident during the period of insurance)
- Boarding Up Costs (cost of boarding up or otherwise securing of the Residence damaged as a result of Cyclone/Flood or Burglary Insured Peril until such time as permanent repairs are effected up to a limit of Rs 10,000 for the period of insurance)
- Food Spoilage (This cover applies to spoilage of food which occurs at your Residence while contained in a refrigerator or freezer up to a limit of Rs 5,000 for the Period of Insurance)
- Trace and Access ( payment of reasonable costs and expenses incurred in locating actual source of damage and repairs directly arising therefrom caused by escape of water from any tank, apparatus or pipe, provided such damage is insured under your Policy up to a limit of Rs 15,000 for the Period of Insurance)
Tenant Cover (if you are not the owner)
If you are a tenant of the Residence you occupy, this insurance will cover your legal liability towards your landlord for damage by Fire and Explosion to his property
Personal Liability
Will indemnify you or a related insured for any sum, which you or the related insured shall be legally liable to pay as a result of an event in respect of bodily injury, damage to material property and any legal costs incurred with the written consent of the Company in the defence of a claim, within the territorial limits of Mauritius up to the limit provided under the Policy, subject to the terms applicable.
Domestic Servants
You are covered for your legal liability to any household employee under a contract of service for bodily injury or disease arising out of and in the course of his employment by you whether he may be an indoor servant or outdoor servant.
