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 : home-owner-content-insuranceHouse Owner / Householder Scope of Cover
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 :
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 buy 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 Tariff, the 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.
Asas Ganti RugiJika 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). 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?
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 :
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 sufferMy 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：
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 ComparisonMortgage Comparison Benefits of Saving EarlyBenefits of Saving Early Lightning & ThunderstormStorm Damagejohor malaysia 100 yrs largest flood |
For the purpose of this specific risk underwriting, kind upload specification of the subject to be insured as below:-
SPA & Associates
SPA & Associates
