QBE Home Plus Package Insurance. Fixed insurance plans

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1 QBE Home Plus Package Insurance Fixed insurance plans

2 QBE Home Plus Package Insurance Is your home sufficiently protected from loss from fire, theft or any other causes that could potentially damage or destroy your possessions? Have you ever worried about a fire breaking out? Or a burglar breaking into your home and taking valuables? With QBE Home Plus Package Insurance Fixed Insurance Plan, you can help protect your home and your possessions and assets as well as cover your liabilities in one, single, easy-to-understand policy. For as little as 26 cents a day, you can set your mind at ease. Quick and easy protection QBE Home Plus Package Insurance consists of different sections that will help protect you from loss of or damage to your: building fixtures and fittings household contents Optional covers are also available for: your personal effects, worn or carried worldwide; free Personal and Family Liability cover; free Personal Accident cover; and also the option to insure your domestic helper, driver and gardener. Your choice of plans We offer three pre-packaged fixed insurance plans that typically meet the basic needs of most homeowners/renters: Basic plan Standard plan Super plan If these plans do not meet your requirements, you may consider our QBE Home Plus Flexi Insurance plan that allows you to mix and match to your desired needs.

3 Summary of benefits The table below provides a summary of the covers and maximum sums insured under the QBE Home Plus Package Insurance plan options. If these plans do not meet your requirements, please opt for our flexible solution to mix and match your desired needs. TYPES OF COVER BASIC PLAN STANDARD PLAN SUPER PLAN Fixtures, Fittings & Renovation (All Risks Cover) Alternative Accommodation and/or loss of Rent Property Owner s Liability Fire Extinguishment Expenses Excess S$100 for each and every claim Household Contents on First Loss Basis (All Risks Cover) Replacement of locks & keys following a break-in Cost of reasonable temporary accommodation Occupier s Liability Accidental death or theft of pedigree pets Damage or loss to home contents in the course of removal by professional movers/ pakcers Damage or loss of refrigerated food & drinks resulting from breakdown or explosion of refrigeration unit or the failure of electricity supply (Subject to an excess of S$50) S$50,000 S$12,500 S$20,000 S$75,000 S$18,750 S$7,500 S$40,000 S$10,000 S$100,000 S$25,000 S$10,000 S$60,000 S$15,000 Excess S$100 for each and every claim unless specifically stated The following limits will apply in respect of loss or damage to valuables, musical instruments and photographic equipment: For any one article up to 5% of the total contents sum insured unless specified in the policy schedule. For any one claim up to one third of the total contents sum insured unless specified in the policy schedule. Worldwide Personal & Family Liability Any One Occurrence & In The Aggregate Personal Accident S$25,000 S$25,000 S$25,000 covers death & permanent disablement from accidental means within the insured premise Annual Premium (before GST) S$95 S$168 S$240 Annual Premium (with 7% GST) S$ S$ S$ Important notice: The information contained herein is subject to the terms, conditions and exclusions of the policy wording, a copy of which can be obtained from your local QBE office, your agent or broker.

4 What you need to do Just three simple steps and you can have peace of mind about the security of your home: Step 1: Apply Approach an authorised QBE agent/ broker and discuss your requirements, then select the plan that best meets your needs. Fill out the proposal form and decide on the mode of payment most convenient to you: credit card or cheque. Step 2: Understand the coverages in your Policy Upon receiving your Policy, read through the policy wording, and ensure that your needs are correctly and sufficiently met. Call your agent/broker immediately for clarifications should you be unclear of any wording. What should you do in the event of a claim? All claims must be made to QBE Insurance (Singapore) Pte Ltd immediately upon the occurrence of the claim Doctor s reports or certificates and hospital bills are required to support the claim Retain all bills, invoices and receipts. To report a claim or to obtain a claim form, please contact your insurance advisor or the QBE Singapore Claims Department at or visit our website at Step 3: Check your Policy Ensure that all details and information are in order. Policy owners protection scheme (effective 01 January 2012) This Policy is protected under the Policy Owners Protection scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your QBE servicing agent/broker or visit the GIA/ LIA of SDIC websites. ( or or

5 QBE Insurance (Singapore) Pte Ltd A member of the worldwide QBE Insurance Group Unique Entity No C 1 Raffles Quay #29-10 South Tower Singapore Tel : (65) Fax : (65) DISCLAIMER. QBE Insurance (Singapore) Pte Ltd This document is for information purpose only. While QBE has taken reasonable care in the production of this document, it does not warrant the accuracy or completeness of the information. Not all products are available to all markets and policy wording should be requested for full details on a particular product. QBE reserves the right to amend any information contained in this document at any point in time. HFixed/DEC17