Homeowner & Content Insurance (屋主和家居財物保險)


WHAT IS THE BASIS OF INSURANCE FOR BUILDINGS ( HOUSE OWNERS ) AND CONTENTS (HOUSEHOLDERS INSURANCE) ?

There are basically three ways to arrange your insurance, 
  
WHAT IS THE SCOPE OF COVER UNDER THE HOUSE OWNERS AND HOUSEHOLDERS  POLICY? 

The Houseowners and Householders policy is a specially designed policy to cover your home as follows : 
The way you insure is a crucial factor in determining how much you will be paid in the event of a claim.
Agreed Value     
This basis is only permissible in Malaysia for insurance on antiques, works of art. Since the valuation of such items is subjective, it has to be agreed upon at the time of proposal.
In the event of a total loss, the "agreed" sum insured will be paid without further reference to the prevailing market value.
The basis of insurance that you choose will influence the 
Valuation for Buildings and Valuation for Contents for insurance purposes.

Indemnity Basis
If you are insured on this basis, you will be paid the cost of repairing the damages property or the cost of replacing or 
rebuilding the stolen or destroyed property - less an amount for wear, tear and depreciation (i.e. old for old basis).

Reinstatement Value
If you are insured on this basis, you will be paid the full cost mentioned above but without any deductions being made for wear, tear or depreciation (i.e. new for old basis). This basis, however, is more of the exception rather than the rule in Malaysia.
When am I considered to have breached certain policy conditions of the Houseowner or Householders Insurance.
You are considered to have breached certain policy conditions if :
  • You did not notify your Insurers of a loss immediately
  • You did not communicate in writing with your Insurer
  • Your home was used for manufactu-ring and/or storage of merchandise
  • You did not take reasonable steps to keep your premises in a proper state of repair
  • You did not make good any defects in the premises as soon as it is discovered.
  • You did not take steps to mitigate the loss.
  • You did not allow your insurers to enter your premises and take loss mitigation steps.
  • You did not notify and cooperate with the Police
  • You proceeded with repairs without your Insurer's consent
  • You submitted a fraudulent claim to the Insurers
  • You admitted liability or made an offer of settlement to the third party without consulting your insurers 
  • Any of the above could give your Insurer the right not to pay your claims.
I'VE BOUGHT A HOUSE AND IS ARRANGING A NEW COVER FOR THE FIRST TIME, WHAT SHOULD I DO ?

If you are buying insurance from an Insurer for the first time, you will be required to complete a Proposal Form.

You'll have the choice to choose to by House owner's Insurance for the building and/or Householders Insurance for the contents of your home either.Alternate terms Homeowner or Home Contents Cover.

You can purchase directly from any of the General / Composite Insurance Companies licensed to operate in Malaysia or  through their Authorized Agents or Simon Poon Agency                                               
                                                      
Through a licensed Insurance Broker
There are basically three ways to arrange your insurance, depending on the type of property you wish to insure.   Please refer to Basis of Insurance. Since the Houseowner or Householders cover is a class of insurance that falls within the General Insurance Association Malaysia, PIAM.

Fire Tariffthe Scope of Cover offered to the public and the minimum premium rates have been basically standardized for all general insurance companies in Malaysia. Therefore, you should choose an Insurer based on the quality of service  that they can provide. Quality to us means service standards such as underwriting experience, system friendly, conciseness on information, interpretation of terms & conditions, claims response time and products designs.

The Fire tariff is like rolls of clothing fabric material waiting to be customize and tailor fit to individual customers and policyholders need rather than just marketing strategies at SPA.

Bkt. Antarabangsa Landslide ‎‎‎‎‎‎‎‎(6/12/2008)‎‎‎‎‎‎‎‎



APAKAH ASAS INSURANS UNTUK POLISI EMPUNYA RUMAH / ISI RUMAH ?

Pada asasnya, disini ada tiga cara-cara 
mengatur insuran anda, iaitu:

Asas perlindungan insuran yang anda pilih akan mempengaruhi Pernilaian atas Bangunan dan penilaian atas Isi Kandungan bagi  urusan insuran.


1.Agreed Value Basis (antiques & works of art)

Asas Nilai Dipersetujui (barangan antik & hasil kesenian)

商定的价值基础(古董及艺术品)
2.Indemnity Basis (building
& content
Asas Ganti Rugi (Bangunan & Isi kandungannya)弥偿基准 (建设及内容)
3.

Reinstatement Value

Basis (building & contents

Asas Nilai Perlantikan Semula

Bangunan & Isi kandungannnya) 
恢复价值基础 (建设及内容)

Asas Ganti Rugi

Jika anda memohon insuran berasaskan ini, anda akan dibayar kos membaiki ganti rugi harta atau kos penggantian atau kos pembinaan semula kehilangan atau kemusnahan harta - dengan potongan kos pemakaian, kemorosatan dan susut nilai (lama untuk dasar lama).

Nilai Perlantikan Semula
Jika anda memohon insuran berasaskan ini, anda akan dibayar kos penuh tersebut diatas tetapi tanpa potongan pemakaian, keuzuran atau susut nilai (misaalah. baru untuk dasar lama). Asas ini, bagaimanapun, adalah lebih-lebih satu pengecualian daripada satu undang-undang di Malaysia.

APAKAH SKOP LIPUTAN DI BAWAH INSURAN PEMILIK RUMAH DAN KANDUNGAN RUMAH?

Skop Perlindungan
 Policy Section
 Pemilik rumah
Pemilik kandungan 


 melindungi Bangunan
 melindungi Isi kandungan
 Bangunan
 ya tidak
 Isi Kandungan Rumah IIA tidak  ya
 Permindahan Semasa
 IIB tidak ya
 Kerosakan atas Cermin
 IIC tidak ya
 Kematian Pencadang
 IIDtidak
 ya
 Kehilangan Sewa
 IIIAya ya
 Liabiliti Awam
 IIIBya 
 ya


Polisi Pemilik Rumah dan Isi kandung-an adalah direka khusus bagi melin-dungi rumah anda seperti diatas.

Sila ingat perlindungan diatas tertakluk kepada beberapa larangan, sekatan dan had tertentu.


Jika lindungan diatas tidak menpati liputan yang anda memerlukan, anda mungkin mahu menimbang penam-bahan risiko opsyenal yang sedia didapati, ianya disebut peluasan (extension).



Kamu dianggap telah melanggar syarat-syarat dasar polisi insuran jika :
  • Anda gagal melaporkan tentang kehilangan serta merta kepada pihak insuran anda
  • Anda gagal berkomunikasi secara surat-menyurat dengan pihak insuran anda
  • Kediaman diinsurankan anda tersebut telah digunakan untuk proses per-kilangan / simpanan stok perniagaan
  • Anda gagal mengambil langkah-langkah munasabah untuk memastikan premis-premis anda dalam satu keadaan wajar dibaiki.
  • Anda gagal memperbaiki mana-mana kecacatan dalam premis seelok-eloknya ditemui.
  • Anda gagal mengambil langkah-langkah bagi mengurangkan kehilangan     
  • Anda melarangkan pihak insuran anda masuk ke premis untuk membuat cadangan pengurangan kehilangan
  • Anda gagal melapurkan dan berkejasama dengan Pihak Polis
  • Anda membuat pembaikan kerosakan tuntutan tanpa keizinan dari pihak insuran anda
  • Anda membuat tuntutan berciri palsu kepada pihak insuran anda
  • Anda mangaku liabiliti atau membuat tawaran penyelesaian kepada pihak ketiga tanpa nasihat pihak insuran anda
Sebarang tindakan anda diatas boleh menjejaskan hak atas tuntutan anda dan tidak akan dilayani Pihak Insuran .       

SAYA TELAH MEMBELI SEBUAH RUMAH DAN SEDANG MENYEDIAKAN SATU CADANGAN INSURAN, APAKAH YANG SAYA HARUS BUAT?

Jika buat pertama kali anda membuat cadangan insuran dengan pihak insuran, anda perlu melengkapi satu surat permohonan insuran (proposal form)

Kamu ada hak pilihan untuk membeli Insuran Pemilik Rumah atas bangunan dan/atau Insuran Isi Kandungan Rumah atas nilai kandungan rumah dari pihak berikut:

Secara terus dengan sebarang syarikat insuran am atau komposite berlesen di seluruh Malaysia atau  Melalui Ejen Syarikat yang disahkan atau Simon Poon Agency Melalui Broker insuran yang disahkan 

Adanya tiga cara penyediaan insuran anda, tertakluk kepada jenis bangunan yang anda perlu diinsurankan. Sila merujuk  kepada Asas diinsurankan. Sejak Insuran Pemilik Rumah atau Insuran Kandungan Rumah adalah jenis insuran diiktirafkan dalam Tarif Kebakaran PIAM, skop lindungan ditawarkan kepada orangramai dan kadar premium minima telah ditentu-kan untuk semua syarikat-syarikat insuran didalam Malaysia. Oleh itu, kamu harus pilih sebuah Syarikat/Agent insuran berdasarkan kualiti perkhidmatan yang mereka menawarkan.

How we Malaysia suffer

My Home Insurance ‎(我的住斋保险)‎

ACE Jerneh-SPA-Household Plus

Building My Dream House

根 据 保 险 的 建 筑 什 么 是 (房屋主)和 内 容(户险)?
即有基本上三种方式安排您的保险.

盖房子的业主和户主保单下的范围是什么?
房子的业主和住户的保单是一个特别设计的保单, 包括您的家庭如下:

1.Agreed Value Basis (antiques & works of art)

Asas Nilai Dipersetujui (barangan antik & hasil kesenian)

商定的价值基础(古董及艺术品)
2.Indemnity Basis (building
& content
Asas Ganti Rugi (Bangunan & Isi kandungannya)弥偿基准(建设及内容)
3.

Reinstatement Value

Basis (building & contents

Asas Nilai Perlantikan Semula

Bangunan & Isi kandungannnya) 
恢复价值基础 (建设及内容)

你投保的方式确定有多少你将支付的索赔的事件是一个关键素。

Mortgage Comparison

Benefits of Saving Early

Lightning & Thunderstorm

Storm Damage

johor malaysia 100 yrs largest flood


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