National Home Protector
Provides you cover for your building and/or contents of your home
This policy provides the following :
- Covers your building and/or contents of your home
- Covers your personal effects
- Provides personal and family liability up to $500,000
- Domestic workersʼ (as per Workmenʼs Compensation Act)
- Free fatal accident cover for insured or spouse
NOTE: The information shown here is for reference only. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan.
More About National Insurance Home Protector Product
Coverage/Benefits
Definition
Insured Events
Additional Benefits
Basis of Settlement
SECTION 1 - Building
Includes outbuildings, fixtures and fittings attached to the building, in-ground swimming pool, underground services, walls, gates and fences and all improvements of a structural nature. Building to be built of brick and concrete and roofed with concrete, metal and other non-combustible materials.
Includes outbuildings, fixtures and fittings attached to the building, in-ground swimming pool, underground services, walls, gates and fences and all improvements of a structural nature. Building to be built of brick and concrete and roofed with concrete, metal and other non-combustible materials.
- Fire, explosion, lightning, thunderbolt, subterranean fire
- Burglary, housebreaking, theft
- Riots, civil commotion or strikes
- Malicious damage
- Bursting, leaking or overflow of water tanks, pipes or apparatus
- Impact damage caused by aircraft, road vehicles or animals, failing trees, TV aerials or masts
- Windstorm, hurricane, cyclone and typhoon
- Accidental breakage of fixed glass
- Flood, including overflow of the sea
- Architects' surveyors and legal fees
- Removal of debris
- Loss of rent
- Legal Liability as the owner of the building up to BND 500,000
- Replacement Basis for buildings built in and after 1960
- Indemnity Basis for buildings built prior to 1960
SECTION 2 - Contents
All contents of every description and tenant’s fixtures and fittings belonging to you or for which you are legally responsible or to members of your family permanently residing with you.
All contents of every description and tenant’s fixtures and fittings belonging to you or for which you are legally responsible or to members of your family permanently residing with you.
- Fire, explosion, lightning, thunderbolt, subterranean fire
- Burglary, housebreaking, theft
- Riots, civil commotion or strikes
- Malicious damage
- Bursting, leaking or overflow of water tanks, pipes or apparatus
- Impact damage caused by aircraft, road vehicles or animals, failing trees, TV aerials or masts
- Windstorm, hurricane, cyclone and typhoon
- Accidental breakage of fixed glass
- Flood, including overflow of the sea
- Architects' surveyors and legal fees
- Removal of debris
- Cost of temporary accommodation
- Includes domestic workers' property
- Legal Liability as the occupiers of the premises up to BND 500,000
Indemnity basis
SECTION 3 - Multi Risks
(available with Section 2 only)
Covers personal property worn or carried by you against accidental loss or damage anywhere in the world, e.g. watch, camera, jewellery
(available with Section 2 only)
Covers personal property worn or carried by you against accidental loss or damage anywhere in the world, e.g. watch, camera, jewellery
Accidental loss or damage not otherwise excluded. Excluding money, contact lenses, dentures, mobile phones, pagers, sports equipments whilst in use, records, tapes, computer, laser discs.
Nil
Indemnity basis
SECTION 4 - Personal and Family Liability
Nil
Nil
Covers you and your family members residing with you for legal liability in respect of bodily injury or death to persons or loss or damage to property worldwide of up to BND 500,000. (excluding USA and Canada)
Nil
Nil
SECTION 5 - Free Benefits
Nil
Nil
Fatal Accident to Insured or Spouse occuring in the private dwelling caused by thieves or by fire, if death occurs within three calendar months of the accident.
Nil
Nil
SECTION 5 - Domestic Workers' Compensation
Provides cover against claims made by your domestic employees under the Workmen's Compensation Law in Brunei or at Common Law.
Provides cover against claims made by your domestic employees under the Workmen's Compensation Law in Brunei or at Common Law.
Nil
Nil
Nil
Download
