MyHome Protect Policy Wording - POSB
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myHome Protect
myHome Protect
Policy Wording
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
1 and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018.myHome Protect
myHome Protect Important Customer
Information
insurance, including if You do not
meet Your obligations, We may be
able to cancel the insurance or
About Our Policy Wording reduce Our liability in respect of
This document (which is Our a claim to the extent permitted by
policy wording) contains important law;
information to help You understand
• Section 8 Claims - what You need to
Your myHome Protect policy. Before
do when a claim arises; and
You decide whether to purchase it, You
need to read this document carefully • any other document(s) We provide
to understand its features, benefits and to You about the insurance which
risks. may change the standard cover.
The Insurer Applying for cover
The insurer is Chubb Insurance When You apply for this insurance, You
Singapore Limited (Chubb). Their will need to complete an application
contact details are on the back page of form. We will use the information
this Policy Wording. supplied on that form to decide the
terms of cover We will provide. We
What You need to read
provide cover to You on the terms
To determine if this insurance is contained in this document, the
appropriate for You, it is important that application form and any other
You read: document, including the most recent
• this Important Customer Schedule that We issued to You.
Information Section - it contains All of these make up Your Policy with
information on important matters Us. You need to keep these documents
You need to be aware of before in a safe place together with receipts
applying for this insurance; and other evidence of ownership and
• the Definitions Section - it sets out value of items You insure.
what We mean by certain defined Summary of cover and other
terms in this insurance; significant matters
• the Defined Events Section – it By way of summary, the principal
sets out the specific perils We will covers available are:
provide cover for under Section 1;
• cover for loss of or damage to
• Sections 1,2 and 3 - set out the Your insured Contents including
cover available for Contents, Renovations, Fixtures and Fittings,
Personal Liability and Accidental caused by one of the Defined
Death Protection; Events occurring during the Period
of Insurance,
• Section 4 Chubb 24-Hour Home
Assist – it sets out the scope of • cover for legal liability for You and
services available under the Chubb any member Your Household for
24-Hour Home Assist; Accidental damage to any other
person’s property, and
• Section 5 No Claim Bonus
Provision – it sets out the • cover for Accidental Death for You,
provisions for no claim bonus Your Partner, or your Child(ren).
• Section 6 General Exclusions - it Refer to each Section for details of
sets out what We do not cover the basis on which We settle any
under any of the Cover Sections; claim.
• Section 7 General Conditions - it We only provide cover up to the
contains details of Your and Our amount(s) and limit(s) and Sum(s)
rights and obligations under this Insured specified in Your Policy
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
2 and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018.myHome Protect
and subject to its other term(s), You will be advised of the total amount require evidence as to the extent of loss
condition(s) and exclusion(s). All payable. You can choose to pay Your or damage. Please ensure that, where
Sum(s) Insured include GST. premium on a monthly basis or on an possible, You keep any photograph(s)
annual basis. The amounts due will be or other documentation in respect of
• An Excess may apply when You
clearly set out in Your Schedule. loss or damage to make the process as
make a claim. An Excess is the
part of a claim You must bear and Duty of Disclosure easy as possible.
is payable for each occurrence Before You enter into Your Policy Any claim settlements, up to the total
covered by this insurance where with Us, You must disclose fully and of all amounts insured, will include
applicable. An occurrence is faithfully all the facts which You know
one (1) or a series of occurrences GST.
or ought to know, otherwise the Policy
arising out of one (1) cause. When issued may be void. For any claims submission or inquiry,
an Excess applies, We will reduce kindly contact Us at our Claim
the amount We pay by the amount The insurance cover under this Policy
Assistance (+65 6398 8028 - Monday
of the Excess or We will ask You to is based on the information submitted
by You to Us, in the application form. If to Sunday, 8.30am to 10.00pm) or via our
pay it.
You provided us with any information online portal www.chubbclaims-dbs.com.sg
• The type and amount of Excess is that is incorrect, please notify Us Our contact details
shown in Your Policy (usually in immediately, otherwise You may
this document and the Schedule). If You need to contact Us, have any
receive no benefit in the event of a valid
If You do not adequately insure questions or would like any further
claim.
Yourself for Your potential loss, You information regarding this insurance,
may have to bear the uninsured If the information, which You contact Us using the contact details
proportion of any loss Yourself. subsequently provide Us, differs provided in this document.
materially from the information set out
We only cover Your interest in the Chubb Insurance Singapore Limited
in the application form, We may offer
insured property. We may refuse Co Regn. No.: 199702449H
cover on different terms or decline it
to pay or reduce the amount 138 Market Street
altogether.
We pay under a claim in certain #11-01 CapitaGreen
circumstances. In particular: If We do not hear from You within Singapore 048946
fourteen (14) days from the date of issue O +65 6398 8797
• where an exclusion applies; or
of this Policy, We will take it that the F +65 6298 1055
• if You do not comply with the information is complete and correct. www.chubb.com/sg
term(s) and condition(s) of
Please be reminded that You must fully The Agreement Between You And Us
Your Policy; or
and faithfully declare to Us the facts as (Your Policy)
• if You do not comply with Your You know or ought to know, otherwise In return for Your payment of the
Duty of Disclosure or make a You may receive no benefit from the premium or Your agreement to pay it
misrepresentation; or Policy. to Us within the time We require, We
• if You make a fraudulent claim. Free Look Period agree to indemnify You against loss,
damage or liability caused by a covered
We also may cancel Your Policy Even after You make a decision to
claimable event occurring during the
due to failure to comply with purchase this insurance, You still
Period of Insurance, subject to the
a condition, a breach in Your have free look rights. You can return
terms, conditions and exclusions of
Duty of Disclosure or in certain Your insurance by notifying Us in
Your Policy.
circumstances permitted by writing within thirty (30) days of cover
law. commencing and We will refund the
premium paid unless something has General Definitions
Cost of the insurance
occurred for which a claim may be In Your Policy some words have a
The insurance provided is subject to payable. Even after this Free Look special meaning (whether expressed
You paying the premium We require by period ends You still have cancellation in the singular or the plural) and We
the agreed time. rights (See Section 6 General define them below. They begin with a
Your premium also includes amounts Conditions). capital letter (e.g. You, We).
payable in respect of compulsory How to make a claim Accident or Accidental means a
government charges (GST).
Section 8 Claims tells You what You sudden, unforeseen, fortuitous and
When You apply for this insurance, need to do before We pay any claim, We unintended event.
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 3myHome Protect
Accidental Death means death Chubb including any Defence Costs. on that date.
occurring as a result of an Accidental
Compensation does not include: Household means all members of Your
Injury during the Policy Year.
family including Your Partner, Children
(a) aggravated, punitive or exemplary
Accidental Injury means a bodily and any other persons permanently
damages; or
injury resulting from an Accident and living with You in Your Premises,
which is not an illness and which: (b) fines or penalties imposed by law excluding tenants, boarders, lodgers or
(including civil penalties); or paying guests.
(a) is caused by violent external and
visible means; and (c) any matters which are deemed Landlord means the Insured who
uninsurable under the law. leases the Premises to the Tenant and is
(b) occurs during the Period of
expressly named as the landlord in the
Insurance; and Contents means Your:
Tenancy Agreement.
(c) results solely and independently of (a) movable furniture, furnishings,
Malicious Damage or Vandalism
any causes other than: kitchen utensils, domestic
means a wrongful act motivated by
appliances, personal computers,
(d) the Accident; and/or malice, vindictiveness or spite with the
audio and video equipment
intention of damaging the property.
(e) sickness directly resulting from (other than those mentioned in
This does not include:
medical or surgical treatment (b)), clothing and other movable
rendered necessary by the personal belongings; (a) tenant neglect, carelessness, poor
Accident; and housekeeping or unhygienic living
(b) films, tapes, cassettes, cartridges,
habits;
(f ) may include a bodily injury discs and diskettes up to their
caused by You being directly value as unused material or where (b) damage occurring during
and unavoidably exposed to the purchased pre- recorded at maker’s maintenance operations carried out
elements as a result of an Accident. latest list price, by the tenant or anyone acting on
their behalf;
Building means: all of which You or members of
Your Household own or are legally (c) damage as a result of repairs, or
(a) the physical structure of the house,
responsible for. attempted repairs, carried out by
apartment or flat; and
the tenant or anyone acting on their
Contents are not:
(b) any wall, gates, fence, footpath, behalf;
swimming pool; and (a) Motor Vehicles, caravans, trailers,
(d) damage caused by the failure
aircraft, watercraft or spare parts
(c) all other permanent fixtures and of Your tenant to control their
and accessories while attached to
fittings; children;
or in any part of them;
which were originally part of the (e) damage caused by pets belonging to
(b) items belonging to the Landlord (if
Premises when it was transferred by the Your tenant;
any) in Your Premises
developer or builder to the first owner
(f ) Accidental damage or Accidental
of the Premises. (c) any part of the Building;
loss; or
Child, Children means any of Your (d) animals;
(g) scratching, denting, chipping,
children who is:
(e) securities, certificates and rubbing or chaffing.
(a) living at the Premises with You; documents;
Motor Vehicles means any electrically
(b) under 18 years of age; and (f ) Money and Credit Cards; or or mechanically powered vehicle
including models and toys (excluding
(c) unmarried. (g) property held or used for business
gardening implements and pedestrian
purposes.
Commencement Date means the controlled models and toys).
original inception date of cover under Credit Card means any credit card,
Money means cash, bank and currency
this Policy as shown in the Schedule. debit card, charge card, cash card or
notes, cheques, bills of exchange,
ATM card.
Compensation means monies paid or promissory notes, deeds, bonds,
payable by You for Accidental Death or Disappearance means when your postal orders, money orders, crossed
Accidental Injury pursuant to: body has not been found within twelve bankers’ drafts, current postage
(12) months from the date of the stamps, securities and travel tickets all
(a) court judgment; or
disappearance, sinking or wrecking of a belonging to You or for which You have
(b) settlement with the consent of conveyance in which you were traveling accepted responsibility, and all held for
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4 and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018.myHome Protect
personal purposes. but does not include any part of the that renders the Premises to be not
Building. safely inhabited and will require a
Nominated Account means the credit
card account or bank account (DBS/ Rent means the monthly rental amount period of time
POSB only) designated by You, which payable by the Tenant to the Landlord necessary, minimally exceeding twenty-
is not a Medisave account, to which as specified in the Tenancy Agreement. four (24) hours, for the reinstatement of
premiums are to be charged. the Premises to be inhabitable.
Schedule means the Schedule
Partner means Your husband or wife, containing details of the Insured, Unoccupied means when Your
de-facto or life Partner with whom You type of cover selected and Period of
Premises is not being lived in by
have been living permanently for at Insurance. The Schedule forms part of
anyone.
least three (3) months or more at the the Policy.
time of occurrence of an event leading Valuables means jewellery, watches,
Sum Insured means the amount for
to a claim. furs, curios, works of art, antiques,
which You are insured as shown in Your
stamp or coin collections and other
Period of Insurance means: current Schedule or any subsequent
endorsements. collectable property, manuscripts,
(a) If You are paying a monthly medals, items of gold, silver or other
premium, one (1) month from the Tenancy Agreement means the precious metals or precious stones.
Commencement Date or the latest written, signed, stamped and legally
renewal date whichever is later; or enforceable contract between the We, Us, Our, Chubb means Chubb
Landlord and the Tenant. Provided Insurance Singapore Limited
(b) If You are paying an annual
always that this contract relates to the
premium, one (1) year from the You, Your, Insured means the
Premises.
Commencement Date or the latest person(s) named as Insured in the
renewal date whichever is later. Tenant(s) means the person named as Schedule.
the Tenant as specified in the Tenancy
Policy Year means a period of 12
Agreement. Section 1: Contents and
consecutive months starting from the
Commencement Date of this Policy and Terrorism means an act, including Renovations
each consecutive period of 12 months but not limited to, the use of or threat
Benefit
for which this Policy remains in force. of, force or violence by any person
or group(s) of persons, whether We will cover You or members of Your
Pre-Existing Medical Condition Household for loss of or damage to Your
acting alone or on behalf of or in
means:
connection with any organisation(s) or Contents or Renovations which You or
(a) any condition for which a government(s) which from its nature members of Your Household own or
doctor was consulted or for or context is committed for, or in are legally responsible for, which are
which treatment or medication connection with, political, religious, in the Premises and where the loss or
was prescribed prior to the deological, ethnic or similar purposes damage is caused by any of the Defined
Commencement Date; or or reasons, including the intention to Events occurring during the Period
coerce, influence or intimidate any of Insurance. Cover is provided up
(b) a condition, the manifestation or
government and/or the public or any to the Sum Insured specified in Your
symptoms of which a reasonable
section of the public. Schedule.
person in the circumstances would
be expected to be aware of at the Theft means the unlawful and
Defined Events:
Commencement Date. unauthorised taking of property with
the intention to permanently deprive The following are the Defined Events
Premises means the area described for which cover is provided under
the owner of it.
in the title deeds situated at the Section 1:
address(es) shown in Your Schedule, Total Loss means the condition of the
which is Your private residence used Contents in the Insured property after it 1. Fire, explosion, lightning or
solely for domestic purposes. is damaged or destroyed being to such thunderbolt
an extent that it cannot be repaired to Excluding loss or damage caused by
Renovations means improvements
equal its condition prior to the loss and arcing, sparking, scorching or heat
and additions within Your Premises
for which We decide to pay You the full damage where there is no flame; or
made by You as owner or by any former
Sum Insured for the relevant insured irregularities in the power supply
owner of Your Premises in the form of
property.
fixtures and fittings (including flooring, unless there is visible evidence of a
built-in wardrobes and air-conditioners), Uninhabitable means loss occurring lightning strike
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 5myHome Protect
2. Storm, hurricane, typhoon, the damage to the television 1. more than thirty percent (30%)
cyclone, flood or radio masts or aerials or of the Sum Insured on Contents
We will not pay the first one antennae. in the aggregate in respect of
hundred (100) Singapore dollars of Valuables.
6. Riot or civil commotion
each and every loss. 2. more than five percent (5%) of the
We will pay for loss or damage
3. Bursting, leaking, discharging caused by acts of riot or civil Sum Insured on Contents for
or overflowing commotion including any lawfully any one article (except furniture,
constituted authority in connection personal computers, audio and
We will pay for loss or damage
with these events where the video equipment, pianos or
caused by the bursting, leaking,
resulting loss or damage is directly organs).
discharging or overflowing of fixed
guttering, fixed tanks, fixed pipes, caused thereby notwithstanding the 3. loss or damage while Your
waterbeds or other fixed apparatus provisions of General Exclusions. Premises is Unoccupied for more
used to hold or carry liquid of any than 60 consecutive days.
7. Acts of Malicious Damage or
kind.
Vandalism 4. consequential loss or damage of
We will not pay for: Excluding Malicious Damage or any kind.
(a) loss or damage to the fixed Vandalism caused by:
guttering, fixed tanks, fixed Additional Benefits
(a) an explosion; or
pipes, waterbeds or other fixed
(b) Theft or attempted Theft, other Limits specified are limits for each
apparatus.
than that already covered Policy Year.
(b) the first one hundred (100)
under Defined Event 8; or 1. Alternative Accommodation or
Singapore dollars of each and
every loss. (c) You or any person who is living Loss of Rent
with You at the Premises; or If Your Premises becomes
4. Earthquake
uninhabitable as a result of a
You are covered for loss or damage (d) tenants, roomers, boarders or
Defined Event claim covered under
caused by earthquake. This loss or paying guests and their visitors;
Section 1, We will pay you:
damage must occur to Your Building or
and/or Contents within seventy-two (a) the additional cost of
(e) any person who entered the
(72) hours of the earthquake to be reasonable temporary
Premises with Your consent
considered the one (1) occurrence. alternative accommodation;
or the consent of any person
5. Impact who is living with You at the (b) for the loss of Rent You
Premises. sustain as the Landlord of the
We will pay for loss or damage
Premises. All claims payments
caused by the impact of: 8. Theft, attempted Theft or for loss of Rent will be reduced
(a) aircraft or space debris or burglary by deducting the security
debris from an aircraft, rocket Excluding Theft, attempted Theft or deposit paid to you. The
or satellite; or burglary: security deposit in this instance
(b) any road vehicle or watercraft (a) by You or any person who is will be as stated in the Tenancy
not operated by You, member living with You at the Premises; Agreement;
of Your family or Your or (c) The cost of temporarily storing
employee, except impact on Your furniture;
(b) which is not a result of actual
paving, paths, driveways or any
forcible or violent break in. (d) The cost of Rent payable by You
services, whether underground
or not; or to Your Landlord.
(Please also refer to the other
exclusions of Your Policy as they Cover is provided up to the Sum
(c) a falling tree or branch but not
when caused by the lopping or affect the definitions of the above Insured specified in Your Schedule.
felling of trees at the Premises; Defined Events).
2. Removal of Debris
or
We will cover the reasonable
Exclusions Applicable to this
(d) television or radio masts or expenses to remove debris
section
aerials or antennae that have following loss or damage as a result
broken or collapsed but not We will not pay for: of a Defined Event covered under
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6 and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018.myHome Protect
Section 1 up to the Sum Insured damage to Your Contents as a 9. Loss of Money
specified in Your Schedule. result of a Defined Event covered In the event of Theft of Your Money
under Section 1 for up fourteen (14) with visible evidence of actual
3. Cost of Temporary Protection
days whilst temporarily removed violent and forcible entry to Your
We will pay You for the costs of
from Your Premises to any other Premises, during the Period of
temporarily boarding up and/
residential building or storage Insurance, when the Premises is
or other protection reasonably
facility within Singapore due owned or tenanted by You as Your
and necessarily incurred f o r
to cleaning, renovation, repair, principal residence, We will pay
safeguarding Your Premises and/or
modification, or dyeing. The for loss of Money up to the limit
Contents if there has been damage
maximum amount We will pay for specified in Your Schedule.
as a result of a Defined Event
any one item is five hundred (500)
covered under Section 1. We will not pay for:
Singapore dollars and in total the
4. Emergency Cash Allowance Sum Insured specified in Your (a) losses which are not reported
If the Premises is owned and Schedule. to the police; or
occupied by You as Your principal (b) Money losses other than in
We will not pay for loss of or
place of residence and it becomes circumstances involving actual
damage to Your Contents:
Uninhabitable for more than five (5) violent and forcible entry to
days following loss or damage as a (a) whilst in transit;
Your Premises; or
result of a Defined Event covered
(b) when being loaded or
under Section 1, We will pay up to (c) Money belonging to Your
unloaded;
the limit specified in Your Schedule. employer, any member of the
(c) which has been removed for Your Household’s employer
5. Emergency Replacement of
sale or exhibition; or relating to any business or
Personal Computer
commercial venture.
Following a loss of a personal left in any vehicle; or
computer as a result of a Defined 10. Accidental Breakage of Mirrors
(d) due to Theft. Except from a
Event covered under Section 1 and Glass
residential building or storage
and upon Your request, advance facility where the offender has We will pay for the Accidental
payment of up to the Sum Insured breakage of Your fixed mirrors,
gained entry by forcible and
in Your Schedule will be made to fixed glass and glass when forming
violent means.
You. In order to receive this payment, part of an item of furniture
You must produce a statement 8. Accidental Death of Domestic including fixed and unfixed glass
of claim certified by the assessor Pet table tops . We will only pay up to
appointed by Us. The amount of We will pay You up to the Sum the limit specified in Your Schedule.
advance payment will be deducted Insured in the Schedule for the We will not pay for:
from the final claim settlement Accidental Death of a cat or dog
amount. that the You keep as a domestic (a) glassware, crystal, ornaments,
pet in Your Premises. In the event vases, lamps, crockery or
6. Replacement of Locks and Keys
of a claim You must provide china; or
If the keys to external doors or
proof of ownership and any other (b) a picture tube or screen in a
window locks are stolen or locks
documentation We may request. television or electronic visual
are damaged due to an attempted
or actual violent and forcible entry We will not pay for death of the display unit; or
or break in at the Premises, during domestic pet due to: (c) a ceramic or glass cooking top;
the Period of Insurance, when the or
(a) anything other than an
Premises is owned or tenanted by
Accident (d) glass in a picture frame, hand
You as Your principal residence,
We will pay the reasonable and held mirror, painting, radio set
(b) an intentional act by or under
necessary costs of replacing the or clock; or
the order of any government or
external locks, keys or cylinders public authority, (e) any item of travertine whether
with similar items up to the limit fixed or unfixed, tiles, bench
specified in Your Schedule. (c) an intentional act of You,
tops, spas or hot tubs; or
anyone living with You
7. Contents Temporarily Removed or anyone acting on Your (f ) glass in any glasshouse,
We will pay You for the loss or direction. conservatory or greenhouse; or
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 7myHome Protect
(g) mobile cellular telephones; or How we settle any valid claim in the world during a Policy
Year.
(h) any items which were wholly or We will pay the cost of repairing each
partly in a defective condition item that is partially damaged, or ii. Accidental damage to
at the time of the breakage; or replacing each item that is totally lost property belonging to third
or destroyed, provided that the repairs parties occurring anywhere
(i) any porcelain or marble or or replacement are done within a in the world during a Policy
granite or fibreglass whilst in a reasonable time. I f the Sum Insured Year.
fixed shower base, basin, sink, on Contents and Renovations do not
bath, lavatory pan or cistern. represent their full value as new at the (b) We will also pay the costs and
time of the loss or damage, payment expenses of:
11. Deterioration of Frozen Food will only be made after deduction for
any wear and tear or depreciation. i. litigation recovered by a
We will pay for the cost of
third party from You or any
replacing deteriorated frozen food If a damaged item was not repaired member of the Household;
at Your Premises, provided that when it could have been, We will pay
and
the deterioration resulted from the difference between the estimated
a mechanical breakdown of the cost of the repair and the reduced value ii. legal defence incurred by
freezer and Your refrigerating unit of the item as a result of the loss or You or any member of the
is not more than 5 years old. We damage. Household
will only pay up to the Sum Insured If a replacement was not carried out for provided always that You must
stated in Your Schedule. an item that is totally lost, destroyed or obtain Our written consent for each
We will not pay for loss or damage cannot be satisfactorily repaired , We of (a) and (b) above.
will pay the value of the item at the time
caused: (c) Limit of Liability
of the loss or damage.
(a) by a deliberate act of You In one Policy Year, the
We will not pay for any costs relating
or any member of Your maximum amount We will
to undamaged or remaining items
Household. pay arising from any one
which formed part of a set, suite, group
occurrence or series of
(b) by a deliberate act of any or collection of articles of a similar
occurrences attributable to
electricity authority / supplier nature, colour, pattern or design.
one source or cause, regardless
or by the exercise of such
For insured items that come in a pair of the number of claimants
authority / supplier of its power
or set, We will only pay the value of or number of members of the
to withhold or restrict supply. any particular part or parts which are Household involved is the
(c) while Your Premises remains lost or damaged, without reference to Sum Insured stated in Your
unoccupied for more than 60 any special value which the pair or set Schedule.
consecutive days. of items may have and only up to the
proportionate part of the Sum Insured 2.2 Liability as Tenant
(d) consequential loss of any kind. of the pair or set. (a) Chubb agrees to indemnify
12. Automatic Reinstatement of Sum You against all sums but up
Insured Section 2: Legal Liability to a maximum amount stated
in Your Schedule which You
When We pay a claim under Your Benefit become legally liable to pay as
Policy for partial loss or damage
2.1 Personal Liability for the Whole compensation as a Tenant of
to the Contents, the Sum Insured
Household Your Premises in respect of:
will be reduced by the loss amount
for each and every claim and shall (a) Chubb agrees to indemnify i. the Premises
not exceed the maximum Sum You against all sums but up to
ii. any item while contained in
Insured as stated in Your Schedule. a maximum amount stated in
the Premises which belongs
We may at Our option reinstate Your Schedule which You or
to the Landlord and is in
the Sum Insured from the date of any member of Your Household
Your responsibility during
loss. However, We reserve the right has become legally liable to pay
the Policy Year.
as compensation in respect of:
to charge an additional premium
(b) We will also pay the costs and
which will be pro-rated from the i. Accidental Death or
expenses of:
date of the loss to the expiry date as Accidental Injury to third
shown in Your Schedule. parties occurring anywhere i. litigation recovered by
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a third party from You firearms. with 365 days of the Accidental Injury.
or any member of Your
• arising out of You or Your
Household; and Exclusions applicable to this
Household’s own employment,
ii. legal defence incurred by business or profession. Section
You or or any member of We will not pay any claims arising
• suffered by anyone under a
Your Household directly or indirectly out of
contract of service or employed
provided always that You must with You or Your Household. (a) deliberate self-inflicted injury,
obtain Our written consent for suicide or, criminal or illegal act;
• arising from a contract or
each of a and b above.
agreement which would not
(b) You being under the influence of
(c) Limit of Liability have arisen in the absence of
intoxicating liquor, including having
such contract or agreement.
In one Policy Year the maximum a blood alcohol content over the
amount We will pay arising from any • arising from the use of any prescribed legal limit whilst driving,
one occurrence or series of occurrences horse for the purpose of racing or being under the influence
attributable to one source or cause, or polo. of any other drug unless it was
regardless of the number of claimants prescribed by a doctor and taken
• arising solely from Your
or number of members of the in accordance with the doctor’s
ownership of the Premises
Household involved is the Sum Insured advice;
stated in Your Schedule. • arising from the ownership
(c) illness, disease, bacterial or viral
or possession of any land
We will not pay for the first one hundred or Building by You or Your infection, even if contracted by
(100) Singapore dollars of each and Household. Accident, other than bacterial
every claim. infection that is the direct result
3. fines, penalties, exemplary or of an Accidental cut or wound or
Conduct of Defence of Claim punitive damages. Accidental food poisoning;
Chubb has the right to negotiate, 4. any claim or loss arising out of (d) any condition which is, results from
defend or settle in Your name and on any activities and/or business or is a complication of infection
Your behalf any claim brought against conducted via the internet, with a venereal disease;
You and will have full discretion in the intranet, extranet and/or a n y
conduct of any proceedings or in the website, internet site, web address (e) any condition which is, results from
settlement of any claim. owned by You or Your Household or is a complication of congenital
and/or via the transmission of conditions or deformities;
Exclusions applicable to this documents or electronic mail by (f ) any condition which is, results from
Section electronic means. or is a complication of geriatric
We will not pay for: 5. claims and losses that in any way or psycho-geriatric or psychiatric
involve asbestos, including any condition, stress, anxiety and
1. liability in respect of loss or damage
actual or alleged injury or damage depression;
to property belonging to or in the
involving the use, presence, (g) any condition which is, results from
charge of You or any member of
detection, removal, or avoidance of
Your Household (with the exception or is a complication of pregnancy,
asbestos or exposure or potential
of the cover provided under Section childbirth, miscarriage or abortion;
exposure to asbestos.
2.2 – Liability As A Tenant). or
2. liability for death, injury, illness Section 3: Family Accidental (h) Pre-Existing Medical Conditions;
or disease or loss of or damage to Death Protection (i) any consequences of, or You taking
property:
Benefit part in, any war (whether declared
• arising from any deliberate or or not), invasion, civil war, riot or
In the event that You, Your Partner or
malicious act. civil commotion;
Your Child dies as a result of Accidental
• arising from the ownership, Injury from an event occurring (j) You engaging in any motor sports as
possession or use of lifts, anywhere in the world, We will pay a rider, driver and/or a passenger;
Motor Vehicles and any You or your estate the Sum Insured or air travel except as a fare-paying
trailers or caravans attached, specified in Your Schedule. Provided passenger in a fully licensed
aircrafts, marine crafts or always that the Accidental Death occurs passenger carrying aircraft;
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 9myHome Protect
(k) any trade, technical or sporting well as their costs. Chubb 24-Hour A claim is considered to have been
activity or as crew, all in connection Home Assist will also assist You made in the preceding twelve (12)
with an aircraft; in arranging for a house call, if months if any Event falls within this
necessary. period, regardless of the date of
(l) any kind of race (other than on foot
submission of the claim.
or swimming) or trial of speed or (d) Air Conditioner Engineer
reliability; Referral You must pay back to Us the No Claim
In the event that You require repair Bonus:
(m) You engaging in any professional
sport meaning Your livelihood is in relation to air conditioners, (a) should a claim for the preceding
substantially dependent on income Chubb 24-Hour Home Assist twelve (12) months be reported
received as a result of Your playing will provide You with referral after We paid the refund; or
sport; or information regarding air
(b) if the Nominated Account is in
conditioner engineers and if
(n) the deceased being over 70 years of arrears with regards to payment of
possible, their costs. Chubb 24-
age. premium for the preceding twelve
Hour Home Assist will assist You
(12) months or any month thereof.
in arranging for a house call, if
Section 4: Emergency Home necessary.
Assist Section 6: General Exclusions
(e) Pest Control Referral
Chubb 24-Hour Home Assistance These General Exclusions apply to the
In the event that You require
Services (6836 2922) whole of Your Policy unless otherwise
assistance with pest control, Chubb
stated. Your Policy does not cover:
The services provided under Parts (a) to 24-Hour Home Assist will provide
(f ) of this Section are by way of referral You with referral information 6.1 loss or damage to Your property
and arrangement only, and all expenses regarding pest control, pest which is caused by, arising from or
actually incurred are to be borne by prevention, soil treatment and/or in anyway connected with:
You. We may, at our option, change mosquito control services. Chubb
(a) wear and tear, rust, corrosion,
the scope of services provided under 24-Hour Home Assist will assist
gradual deterioration and
Parts (a) to (f ) of this Section and/or You in arranging for a house call, if
depreciation,
the provider of such services by giving necessary.
(b) mechanical, electrical or
You at least one month’s prior notice in (f ) General Repair Assistance
electronic breakdown including
writing to Your address on file.
In the event that You require when caused by any power
(a) Emergency Nurse Assistance information to the nearest available supply irregularity including
In the event of an emergency and repair services, Chubb 24-Hour power surge except when
when requested by You, Chubb Home Assist will provide You with caused by a Defined Event,
24-Hour Home Assist will assist You such information where possible.
(c) mildew and atmospheric or
by arranging for a registered nurse climatic conditions other than
to be at the Premises. Section 5: No Claim Bonus by rain sleet and hail,
(b) Locksmith Referral At the end of every twelve (12) (d) domestic animals,
In the event that You are locked out consecutive months, a No Claim Bonus
of twenty-five percent (25%) of the (e) vermin, insects or by the
of Your Premises, Chubb 24-Hour
preceding twelve (12) months’ premium pecking, clawing, chewing,
Home Assist will provide You with
will be refunded (without interest and eating or nesting by birds and
referral information regarding
any statutory tax) to You if: other wildlife,
locksmiths and if possible, their
costs. Chubb 24-Hour Home Assist (a) no claim for an Event that occurred (f ) any process of cleaning,
will also assist You in arranging for repairing, restoring or
in the preceding twelve (12) months
a house call, if necessary. retouching of any item,
has been paid under Your Policy in
(c) Plumber Referral the preceding twelve (12) months; (g) any process involving the
and application of heat or the use of
In the event that the plumbing at
chemicals,
Your Premises is clogged or a leak (b) no claim for an Event that occurred
has sprung, Chubb 24-Hour Home in the preceding twelve (12) months (h) Tenants, roomers, boarders or
Assist will provide You with referral has been submitted under Your paying guests and their visitors
information regarding plumbers as Policy and is pending adjustment, arising from or due to larceny,
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Theft, Malicious Damage or data and embedded chips to commencement of the Policy
Vandalism or deliberate or recognise correctly, to interpret must be notified by You to Chubb
intentional acts, correctly or to process correctly in writing immediately after such
any date or to function correctly change in risk comes to Your
(i) settlement, shrinkage,
beyond any time when that item, notice. Alterations that You must
vibration or expansion in
equipment or computer software notify Chubb of include:
buildings, foundations, walls or
has not recognised, interpreted or
pavements, • alteration of Your Premises;
processed correctly any date.
(j) faulty workmanship, inherent • the Premises being left
6.8 loss or damage to Your property
defect, errors or omissions in unoccupied for a period
when Your Building is undergoing
design, structural defects and of more than sixty (60)
any process of construction,
faulty design, consecutive days;
demolition, alteration or repair.
(k) water seeping or otherwise • Your interest in any Premises
6.9 loss or damage or liability resulting
percolating through a wall, ceasing;
from or in connection with any
floor or roof, error in computer programming or • where the nature of the
(l) the roots of trees, shrubs, instructions to the computer. occupation of or other
plants and grass, 6.10loss or damage or liability when circumstances affecting the
intentionally caused by You or a Premises are changed in such
(m) erosion, or
person acting with Your consent, a way to increase any risk
(n) mould, mildew, fungi, fungus, insured under this Policy; or
including losses resulting from the
wet or dry rot or bacteria. taking or other misappropriation of • You being placed into
6.2 consequential loss of any kind. the Contents or Valuables. bankruptcy, receivership,
6.11 loss or damage to property when administration or liquidation.
6.3 loss or damage or liability arising
from the consequences of war, sent by courier or by post. If Chubb accepts the altered risk,
undeclared war, rebellion, civil war, 6.12 asbestos or asbestos products or You must pay Chubb any additional
insurrection, revolution, invasion, any materials containing asbestos premium it requires.
war like acts of military forces or in whatever form or quantity. 7.2 Applicable Law
personnel, or the destruction or
seizure of property for military 6.13 loss or damage or liability caused • Notwithstanding anything
purposes. by or in connection with Your contained herein to the contrary
failure to use all reasonable means it is agreed that the indemnity
6.4 loss or damage or liability caused to protect and maintain the insured provided by this PolicyPolicy shall
by the confiscation, destruction property before, at, or after the not apply in respect of judgements
or seizure of property by any time of any loss or damage. which are not in the first instance
government or public authority delivered by or obtained from a
or other authority except when in 6.14 loss, damage, cost or expense of
court of competent jurisdiction
connection with any riot or civil any nature directly or indirectly
within Singapore.
commotion. caused by, resulting from, or in
connection with: • This Policy shall be governed by
6.5 loss or damage or liability caused and interpreted in accordance with
(a) any act of Terrorism; or
by or arising from nuclear or Singapore law.
radioactive contamination. (b) any action taken in controlling,
preventing, suppressing, 7.3 Arbitration
6.6 loss or damage or liability
retaliating against or in any way If any dispute or disagreement
caused by or in connection with
responding to or relating to an arises regarding any matter
contamination and pollution
act of Terrorism regardless of pertaining to or concerning this
and the removal of any resultant
any other contributing cause or Policy, the dispute or disagreement
pollutants and contaminants.
event. must be referred to arbitration in
6.7 loss or damage or liability arising accordance with the provisions
out of the failure or inability of Section 7: General Conditions of the Arbitration Act (Cap. 10)
any item, equipment, computer and any statutory modification or
or computer software including 7.1 Alteration to Risk re-enactment thereof then in force,
but not limited to firmware, Any alteration to the risk after such arbitration to be commenced
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 11myHome Protect
within three (3) months from the Your Policy. 7.8 Duty of Disclosure
day such parties are unable to Before You enter into Your Policy
(f ) failed to tell Us about any
settle the dispute or difference. If with Us, You must disclose fully and
changes in the circumstances
You fail to commence arbitration faithfully all the facts which You
of the risk during the Period of
in accordance with this clause, it is know or ought to know, otherwise
agreed that any cause of action and Insurance.
the policy issued may be void.
any right to make a claim that You After cancellation and subject to
have or may have against Us shall 7.9 Excess
Your Free Look period rights (See
be extinguished completely. Where Important Customer Information You must pay the amount of any
there is a dispute or disagreement, section), We will keep the premium applicable excess shown in the
the issuance of a valid arbitration for the period that Your Policy was Schedule or in this Policy in respect
award shall also be a condition of each claim You make under the
in force and refund any unused
precedent to our liability under this Policy. The Excess is payable by You
premium paid provided no claims
Policy. In no case shall You seek to at such time required by Chubb.
have been made. There is no refund
recover on this Policy before the
if You have been paying Your If any event leads to a claim under
expiration of sixty (60) days after
premium on a monthly basis or more than one Section of the
written proof of claim has been
when there is a Total Loss. Policy, You must pay the highest
submitted to Us in accordance with
applicable Excess.
the provisions of this Policy. 7.6 Conditions Precedent To The
Company’s Liability 7.10 Inspection and Salvage
7.4 Assignment
The liability of the Company for If You make a claim, Chubb may
You must not assign this Policy or
any benefit under this Policy is inspect the property or item.
any of Your rights under this Policy,
conditional upon: While Chubb has no obligation to
without the prior written consent of
take possession of any damaged
Chubb. (a) the truth of the statements and property or item, Chubb reserves
7.5 Cancellation information as provided to the right to do so.
You may cancel this Policy at the Chubb by You; and
Chubb is entitled to obtain and
end of any Period of Insurance by (b) the due observance and retain any property or items that
giving Us at least thirty (30) days fulfillment of the terms and are salvaged or recovered after it
prior written notice. conditions of this Policy insofar pays a claim by replacing or paying
We may cancel the Policy at the end as they relate to anything to be to replace such property or items.
of any Period of Insurance by giving done or complied with by You. Chubb may sell the property or
You at least thirty (30) days prior items and keep the proceeds.
7.7 Changes in Policy
notice in writing to Your address on 7.11 Interpretation
file, and in accordance with the law, No change in this Policy will be
valid unless agreed to in writing by This Policy and the Schedule
including where You have:
Chubb. The requirements of any with attaching Sections and any
(a) made a misrepresentation to Us Section of the Policy may not be amendments or endorsements shall
before the Policy was entered be read together as one contract
deemed to be waived unless Chubb
into and any word or expression to
agrees to waive them in writing.
(b) failed to comply with Your Duty which a specific meaning has been
Any changes, amendments or attached in any part of this Policy
of Disclosure
variations to Your Policy, and any or the Schedule shall bear such
(c) failed to comply with a changes to the applicable premium specific meaning wherever it may
provision of Your Policy will be notified by Us to You at least appear.
including failure to pay the thirty (30) days in advance of them
premium, 7.12 Modification
taking effect.
We reserve the right to modify the
(d) made a fraudulent claim under If you are not agreeable to the terms and conditions of Your Policy
Your Policy or any other Policy changes, amendments or variations within the Period of Insurance
during the time Your Policy has proposed to Your Policy, You may by giving You prior notice of at
been in effect,
exercise Your right to cancel the least thirty (30) days, and such
(e) failed to notify Us of a specific Policy in accordance with Clause modification shall be applicable
act or omission as required by 7.5. from the effective date as stated in
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Our written notice to Your address issued. All policies not recognised Scheme which is administered by
on file. by Us shall be cancelled. the Singapore Deposit Insurance
Corporation (SDIC). Coverage for
No modification of Your Policy Except as specifically stated in Your
Your Policy is automatic and no
shall be valid unless approved Policy, benefit amounts are payable
further action is required from You.
in writing by Our authorised in addition to any other insurance
For more information on the types
representative, and such approval benefits to which You may be
of benefits that are covered under
shall be evidenced by way of an entitled.
endorsement to Your Policy issued the scheme as well as the limits of
7.15 Payment of Benefits Upon Death coverage, where applicable, please
by Us. No broker or agent has the
authority to modify or to waive any Upon death of the Insured, all contact Us or visit the GIA / LIA or
of the terms and conditions of Your benefits which are payable to the SDIC websites (www.gia.org.sg or
Policy. Insured under this Policy shall be www.lia.org.sg or www.sdic.org.sg).
made to the estate of such person. 7.17 Renewal of Your Policy
7.13 Notice Of Trust Or Assignment
And Third Party Rights 7.15 Personal Data Protection In the case of a Monthly Policy:
Chubb shall not be bound or be You are deemed to give Your (a) If either party wishes not to
affected by any notice of any trust, consent and authorisation to renew the Policy at the end of
charge, lien, assignment or other Chubb to collect, use, disclose,
any Period of Insurance, notice
dealing with or in relation to this and/or process Your personal data
of cancellation must be given in
Policy. or information supplied to Chubb
accordance with Clause 6.5. If
without further notification to You
A person who is not a party to this no such notice has been given
confidentially with its affiliated
Policy contract shall have no right by either party, Your Policy
companies, third party service
under the Contracts (Rights of will be renewed automatically
providers, business partners
Third Parties) Act 2001 to enforce for one (1) month from the
and/or other parties, which may
any of its terms. Renewal Date upon Your
be sited outside Singapore, for
payment of the premium due
7.14 Other Insurance administering policies taken out
on each Renewal Date.
To the extent permitted by law, with Chubb, customer services and
when other insurance applies to marketing and related activities, In the case of a Yearly Policy:
a covered loss, We will pay only until Chubb receives Your written (b) If either party wishes not to
in excess of the other insurance, instruction to the contrary. Upon renew the Policy at the end of
limited to the indemnity being Your written request, Chubb shall, any Period of Insurance, notice
provided under Your Policy, without charge, cease to use Your
of cancellation must be given in
unless that other insurance was personal information for purposes
accordance with Clause 6.5. If
specifically written to be excess other than those directly related
no such notice has been given
over the indemnity provided in to Your Policy. A copy of Chubb’s
by either party, Your Policy will
Your Policy. Personal Data Protection Policy can
be renewed automatically for
be found at www.acegroup.com/sg/
Should You make a claim under one (1) year from the Renewal
privacy-policy and You are deemed
Your Policy, You must advise Chubb Date upon Your payment of the
to have read the same.
of any other insurance which premium due on each Renewal
may cover the loss or damage or You may write to Chubb’s Data Date.
Accident. Protection Officer at 138 Market
7.18 Payment before Cover Warranty
Street #11-01 CapitaGreen,
7.15 Payment of Benefits (a) The total premium due
Singapore 048946 for any request
You cannot be covered under for access to and/or correction of must be paid to and actually
more than one (1) myHome Protect any information supplied to Chubb received in full by Chubb or the
Policy. If You are covered under and Chubb may reserve the right to intermediary through whom
more than one (1) such Policy, We charge a reasonable fee to offset the the Policy was effected (‘the
will consider You to be covered administrative costs in complying intermediary’) on or before
under the Policy which provides with access requests. the Commencement Date of
the highest benefits. Where the coverage under the Policy,
benefits under any additional Policy 7.16 Policy Owners’ Protection Scheme Renewal Certificate, Cover
are identical, We will consider You This Policy is protected under Note and/or Endorsement (the
to be insured under the Policy first the Policy Owners’ Protection Commencement Date’).
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and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018. 13myHome Protect
(b) If the total premium is not compensation, cost or expense agreement for this Policy to
paid and received in full by covered by this Policy; and continue beyond that period.
Chubb or the intermediary on
• comply with all obligations and
or before the Commencement Section 8: Claims
regulations imposed by any
Date, the Policy, Renewal
authority. We will act in good faith in all our
Certificate, Cover Note and/or
Endorsement shall be deemed 7.21 Sanctions dealings with You. Equally, the payment
to be cancelled immediately, of claims is dependent on:
This insurance does not apply
and no benefits shall be payable to the extent that trade or Claims Conditions Applicable To All
by Chubb. Any payment economic sanctions or other laws Sections
received thereafter shall have or regulations prohibit us from
no effect whatsoever on the What You must do:
providing insurance, including,
deemed cancellation. but not limited to, the payment On the happening of any event which
of claims. All other terms and could lead to a claim, You must, at Your
(c) This Payment Before Cover
conditions of the policy remain own expense:
Warranty provision shall
prevail over any inconsistent unchanged. • take all reasonable precautions to
terms (if any) in the Policy. 7.22 Subrogation prevent further loss or damage or
injury;
(d) In respect of insurance If Chubb makes a payment under
coverage with Free Look this Policy, Chubb is subrogated • immediately inform Chubb at the
provision, You may return the to all Your rights of contribution, address and contact details listed at
original policy document to indemnity or recovery. You must the beginning of this Policy;
Chubb or the intermediary not surrender any right to or
• immediately inform the police
within the Free Look period if settle any claim for contribution,
if any property insured under
You decide to cancel the cover indemnity or recovery without
this Policy is lost, stolen or of the
during the Free Look period. In Chubb’s prior written consent. You occurrence of Malicious Damage or
such an event, You will receive must do all things and execute all Vandalism;
a full refund of the premium documents to enable Chubb to sue
paid to Chubb provided that no in Your name for such contribution, • take all reasonable precautions to
claim has been made under the indemnity or recovery. recover lost or stolen property and
insurance. minimise the claim;
Where You have agreed with
7.19 Policy Reinstatement after another person or company (who • not dispose of any damaged
Partial Loss would otherwise be liable to property without Chubb’s consent;
When We pay a claim under Your compensate You for any loss or • not arrange for the repair or
Policy for partial loss or damage to damage which is covered by the replacement of any property
the Contents, the Sum Insured will contract of insurance) that You will insured under this Policy, in
be reduced by the loss amount for not seek to recover such loss or connection with any claim, without
damage from that person, Chubb Chubb’s consent;
each and every claim and shall not
will not cover You, to the extent
exceed the aggregate Sum Insured. • complete and lodge a claim
permitted by law, for such loss or
We may at Our option reinstate the form as reasonably possible
damage.
Sum Insured and reserve the right with all necessary supporting
to charge an additional premium. 7.23 Total loss documentation that Chubb
7.20Reasonable Care If We pay Your claim for a Total may reasonably require for the
Loss then the cover provided under investigation and verification of the
You must:
this Policy will end. claim including but not limited to:
• take all reasonable measures to
7.24 Unoccupied Property • full written details of the loss or
maintain all property insured
The covers provided by this Policy damage or Accidental Injury;
under this Policy in sound
shall cease if Your Premises is left
condition; • any relevant receipts, certificates
unoccupied for a period exceeding
and other proofs of ownership;
• take all reasonable precautions sixty (60) consecutive days, unless
to prevent or minimise loss, You have informed Chubb of this • all valuations relating to lost or
damage, destruction, liability, fact and obtained Chubb’s written damaged property;
© 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos,
14 and Chubb. Insured.TM are protected trademarks of Chubb. Published 02/2018.You can also read
