This compulsory insurance (Section 65 of Insurance Act 2003) covers third-party liability and property damage in public and private buildings caused by various hazards.

PRODUCT FEATURES: It provides cover against

Loss or Damage to any of the buildings specified in the schedule resulting in death, injury or property damage to any user, licensee, third party or member of the public within and around the premises arising from

1. Collapse
2. Fire explosion lightning thunderbolt, earthquake.
3. Storm, tempest, flood excluding destruction or damage by frost.
4. Riot, civil commotion, strikes, labour disturbances or malicious persons acting on behalf of or in connection with any political organization.
5. Bursting or overflowing of water tanks apparatus or pipes (excluding damage caused thereto)
6. Robbery, Burglary, housebreaking or any attempt thereat
7. Impact with any of the buildings by any road vehicle horses or cattle not belonging to or under the Control of the Insured or any member of the insured’s family or business.
8. Leakage of oil from any fixed oil-fired heating installation.
9. Breakage or collapse of any fitting, fixture or mast.

All sums for which the insured, spouse, relatives of either and any person under 21years in the care of the Insured and resident with him is liable to pay for injury and medical expenses for each accidental injury while on the insured’s premises with permission of any of the Insured if the bodily injury

1. arises out of a condition of the insured’s premises or the ways immediately adjoining it,
2. is caused by activities of an Insured or by a residence employee in the course of employment
3. is caused by animals or watercraft owned by or in care of the insured or in the care of persons or organizations legally responsible for animals or watercraft owned by the insured.
4. is sustained by any residence employee and arises out of and in the course of employment by the insured.

REQUIREMENTS FOR QUOTATION

• Duly completed Proposal form
• Know Your Customer (KYC) form

STEPS TO MAKE A CLAIM/ CLAIM PROCESSING

1. Immediate notification via phone call, app, letter or email
2. Duly completed Claim form
3. Other claims substantiating documents as may be required

Terms and conditions apply.