Frequently Asked Questions about All Risk Insurance

Every time a claim is made, the policy holder agrees to pay an amount as a voluntary excess in addition to the compulsory excess. By agreeing to a voluntary excess, the policy holder can gain discounts on their insurance premiums

The policy is extended to cover all risks, including theft and terrorism. However, theft & terrorism can be excluded from the scope of cover to avail discount:

• Terrorism: 10%
• Theft: 20%
• Home (Building + Contents) Cover

Sum insured refers to the maximum amount paid to an insured in the event of a claim

• Instant Claim Notifications
• Quick Claim Approval
• Easy Claims Procedure
• Fast Claim Settlement
• 24*7 Customer Support

Unless specifically stated, the insurer's liability in respect of each article or pair of articles shall not exceed 5% of the Total Sum Insured under this policy