Household

Benefits

House Owners

This policy provides cover against damage caused by:

  • Fire, lightning, thunderbolt, explosion
  • Earthquake
  • Storm, tempest, hail, wind, water, flood
  • Impact by vehicles, animals, falling trees, Aircraft or articles dropped therefrom.
  • Non-political riot, strike and malicious damage
  • Theft or attempted theft
  • Bursting or escape of water from tanks, pipes, or domestic appliances

Rate is 0.12% of the sum insured.

Householders

This policy provides cover against damage caused by:

  • Fire, lightning, thunderbolt, explosion
  • Earthquake
  • Storm, tempest, hail, wind, water, flood
  • Impact by vehicles, animals, falling trees, Aircraft or articles dropped therefrom.
  • Non-political riot, strike and malicious damage
  • Theft or attempted theft
  • Bursting or escape of water from tanks, pipes, or domes

Personal All Risks

This policy is designed to cover personal effects that can be worn or carried on a person on or away from the residential property against accidental loss or damage Specified Items: Items such as cell phones, spectacles, laptops, pads, jewellery, golf clubs etc. should be specified if cover is required Unspecified Items (General Items):

  • Clothing and personal effects normally worn or designed to be carried on or by the person
  • Personal equipment normally worn or used by the person but excluding damage occurring whilst playing sport.

Different rates apply for specific item listed

Features

  • House Owners: This policy provides cover for private residential structures of your home, outbuildings, Perimeter walls, gate, swimming pools, sauna baths, and landlord’s fixtures and fittings against damage.
  • Householders: This policy provides cover for loss or damage to domestic contents and personal effects belonging to the Insured whilst in private dwelling houses against damage.
  • Personal All Risks: This policy is designed to cover personal effects that can be worn or carried on a person on or away from the residential property against accidental loss or damage.

Details

Claims

  • Immediate notification of claims quoting the policy number, brief circumstances of the loss estimated cost of the claim and any supporting documents.
  • Any possible claim against the insurer should be notified as soon as possible or at the latest within 30 days of occurrence/ discovery.
  • Clients must be advised of turnaround period
  • Claims settlement will be based on replacement value.

Policy Cancellations

  • The customer may cancel the policy at any given time and premium will be refunded on a pro-rata basis for the remaining period provided there is still more than 30 days to expiry.

Eligibility

  • Minimum 18 years

Terms & Conditions

For Home Plan

This insurance policy is underwritten by Old Mutual. The insurance coverage that this policy provides shall be at all times subject to the terms and conditions of the policy contract issued by Old Mutual. Crown Bank shall not be responsible for Old Mutual's actions or decisions under the policy contract nor shall Crown Bank be liable regarding payment of claims or services under the policy contract issued by Old Mutual