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Summary

The policy provides cover for:

• accidental loss or damage to the buildings and contents of your home;
• accidental loss or damage to personal belongings and valuables whilst anywhere in Malta;
• your liability to others; and
• home assistance and emergency services.

The standard cover also includes:

• temporary alternative accommodation following a loss;
• mechanical or electrical breakdown to air-conditioning and energy saving equipment;
• loss or damage to Christmas, wedding and graduation gifts;
• loss or damage to locks and keys;
• freezer contents;
• personal money including credit and debit cards;
• pedal cycles and sports equipment; and
• legal expenses.

Home Assistance & Emergency Services

The most innovative part of our Home policy provides you with a 24/7 Emergency Repair Service to secure your home and prevent further loss or damage occurring following an emergency as a result of one of the following occurrences:

• sudden or unexpected breakdown or damage to piping, leaks from sanitary fixtures and fittings and fixed water installations within your home;
• complete failure of the electrical supply within your home as a result of a fault or damage to the internal electrical installation;
• your home being made insecure or if entry is impeded due to loss or theft of keys or damage to locks as a result of theft or any other accidental cause or in the event that a member of your household may have locked himself/herself in a room; or
• breakage of glazing to external windows or doors which render your home insecure.

The policy will cover the cost of the callout and labour that is necessary for the emergency repair up to a maximum of 2 hours labour and the amount of €200 for each incident and a maximum of 3 during any one period of insurance.

In the event of any of the above occurrences, policyholders may reach our 24/7 Call Centre on 2248 0200.

 Cancellation

When the insured cancels an annual policy Mid-Term for unjustifiable reasons the following cancellation rates apply: