Description

Standard Cover

• Material Damage Insured
  • Fire, explosion and lightning.
  • Reconstruction of Garden.
  • Smoke damage.
  • Electrical damage.
  • Vehicle Impact or Fall of Aircraft.
  • Sonic bangs.
  • Acts of vandalism.
  • Rain, wind, hail or snow.
  • Flood.
  • Water damage.
  • Breakage of panes, mirrors, fixed sheets of glass and methacrylate.
  • Breakage of ceramic hobs.
  • Breakage of marble, granite, stone and sanitary ware.
  • Theft, hold-up or larceny inside the dwelling.
  • Theft and hold-up in store room or garage.
  • Theft and hold-up in hotel or apartment whilst on holiday.
  • Hold-up outside the dwelling.
  • Jewellery.
  • Fraudulent use of credit cards.
  • Falling of trees, posts and antennae.
  • Deterioration of food in refrigerators.
• Insured expenses
  • Salvage, demolition and debris removal.
  • Obligatory evacuation or unfitness for habitation.
  • Loss of rental income.
  • Change of locks.
  • Theft, hold-up or loss of personal documentation.
  • Aesthetic repairs.
  • Replacement of files and documents.
• Public Liability
  • Legal liability, legal defence costs and bail bonds.
• Other basic cover
  • Claims for recovery of damages.
  • 24 hr Assistance.
  • Legal Assistance.
  • Multiservice Assistance
  • Replacement value as new.
  • Indexation of sums insured.
  • Extraordinary risks.

Optional Cover

• Vehicles in garage.
• Loss of jewellery deposited in a bank as a result of a theft or hold-up.
• Accidental damage (all risks).
• Legal liability as owner/user of radio ham antenna.
• Personal accidents.
• Domestic staff.
  • Employer’s liability.
  • Personal accidents.
  • Dishonesty of employees.
• Waiver of “average” (the proportional reduction in the indemnity because of underinsurance).