House Insurance Dubai Policy Wording

House Insurance Dubai policy wording

YOUR POLICY Here is your new Policy containing details of the cover you have arranged. We have made every effort to make our intentions clear. Please read your Policy carefully and if you have any queries we will be pleased to help you. We aim to provide a high level of service and to pay claims fairly and promptly within the terms set out in the Policy.

WHAT COVER IS INCLUDED? The Policy is divided into a number of different Sections. To find which Sections are in force you should check your Schedule, the document enclosed with the Policy. The Schedule also tells you how much you are insured for under each Section.

HOW MUCH TO INSURE FOR It is up to you to make sure that the amounts you insure for represent the full re-building cost of the building(s) and the full replacement costs as new (less an amount for wear and tear on clothing and household linen) of the contents concerned. Remember, if you underinsure, claim payments may be reduced. You can change your Sums Insured at any time - you do not have to wait for renewal.

IF YOU HAVE A PROBLEM If you have a problem regarding this Policy you should contact us using telephone numbers at the beginning of this policy wording.

CANCELLATION INFORMATION A 14 day cancellation period is applicable to this policy from the day after receipt of documentation.

CHANGES IN YOUR CIRCUMSTANCES Your Policy has been based on the information which you have given us about yourself and your Home. You must tell us immediately of any changes to this information including of course any change of address. You must also notify us if you or anyone living with you are declared bankrupt or are convicted of arson, fraud, forgery, theft, robbery or handling of stolen goods.

USING THE HELPLINES The telephone numbers of the Help lines are shown on the inside front cover of this document.

HOW TO MAKE A CLAIM To make a claim, first read the Policy and Schedule to check that you are covered. To register a claim and obtain a claim form please contact Intasure on 0845 111 0672. Or you may write to: Intasure, FREEPOST NAT14889, ROMFORD RM7 9BR. You should complete a claim form and let us have as much information as possible to help us deal with your claim quickly and fairly. You should also refer to the section on page 22, Notification and Conduct of Claims. Finally, do not hesitate to ask for advice, we will be pleased to help you.

YOUR RESPONSIBILITIES In order to protect your property to it's fullest extent we will expect you to comply with all terms and conditions.

Certain words in your Policy have special meanings. These meanings are given below.

Bodily Injury Death, injury, illness or disease.

Buildings The Home named in the Schedule, the domestic out-buildings and garages, swimming pools, fixed fuel oil tanks, walls, gates and fences, the interior decorations and the fixtures and fittings within the buildings, all owned by you or for which you are legally responsible and within the premises named in the Schedule.

Contents Household goods and personal property. Money and Valuables all belonging to or the responsibility of You or Your Family contained in the Home or in the open within the boundaries of the Land belonging to the Home. The term Contents does not include:-

1. any living creature, any mechanically propelled vehicle (other than domestic gardening machines), aircraft, hovercraft, watercraft and accessories attached thereto, outboard engines, motorcycles, caravans, trailers, trailer tents and their parts and accessories, credit cards, deeds, bonds, bills of exchange, promissory notes, securities for money, documents, manuscripts, firearms, shotguns
2. goods used for business or professional purposes
3. any part of the Buildings including fixtures and fittings unless otherwise agreed
4. any property specifically insured against the perils covered hereby under any other insurance
5. damage by vermin or insects.

Endorsements Any variation or addition to the terms of the Policy.

Excess The sum shown in your Schedule which is the amount to be deducted from your claim for loss or damage resulting from the same incident and insured under any or all Sections of the Policy.

Garden The open ground within the boundaries of the land belonging to the Insured property.

Home The private dwelling of permanent construction comprising house, bungalow, cottage, chalet or flat named in the schedule.

Insured (a) The first named party in the Policy Schedule. (b) Any member of the Insured's family permanently residing with him/her.

Money Cash, bank or currency notes, cheques, travellers cheques, postal or money orders, saving stamps and certificates, travel tickets, luncheon vouchers, current stamps (face value only) and gift tokens.

Policyholder/You/Your The person(s) named as the Policyholder in the Schedule.

Property Material property.

Schedule The current Schedule issued by us as part of your Policy shows details of the Policyholder, the property insured, the period of insurance and which sections of the Policy apply.

Please view Policy wording for full details.