Listed under this line of insurance number of policies designed to provide the maximum insurance protection for the insured's properties in the event of unforeseen accidental loss and/or material damage resulted from an insured peril.
This policy covers Insured's property (buildings& Contents) against loss or damage directly caused by:
This policy tailored to provide extended insurance coverage to the Insured residential (Owned or rented, a Villa or an apartment) against wide range of perils as listed:
Home Emergency Assistance Cover- Service 24/7.
The Company undertake to provide an Emergency Repair Service to secure the dwelling and prevent further damage or loss occurring. It does not undertake to carry out full repairs, all repair works are subject to the limitations of cover and to the following definitions, conditions and exclusions as described herein. This policy is not a replacement for a Home Insurance Policy and is not a maintenance contract for the domestic dwelling.
Emergency Repair: An Emergency Repair is defined as the repair necessary to render the dwelling safe and/or secure the dwelling against further loss or damage as a result of an unforeseen or sudden occurrence which results in damage to your domestic dwelling demanding immediate action.
Plumbing means: Damages of house fixed plumbing /fitting, producing damages to the property of the Insurance Holder or third persons / parties. The community property or third parties plumbing, will not be considered relevant to housing, although they could be located in the insurance holder’s area.
Electricity means: Lack of electric supply in some of the dwelling installation phases, whenever the origin of the damage is located within the domestic dwelling.
Locksmith means: Any risk impeding the insurance holder’s access to the building, being necessary the intervention of a Locksmith or emergency services, by no other alternative route.
Glass work: Breaking of windows or any other vertical crystal surface belonging to the window structure, as long as the breakage determines a lack of protection from environmental accidents or any third party hostile action
The company will send a technician who will carry out the Emergency Repair necessary to render dwelling safe and /or secure the dwelling against further loss or damage, the cost of the call-out, labor and materials which are necessary for the Emergency Repair (Plumbing, Electrical, Locksmith, Glazing) will be borne by the Company, up to a maximum of KWD 50/= for each emergency, with a maximum of three emergencies in any one year (KWD 150/= per year).