Prospectus and Proposal form for DOMESTIC PACKAGE INSURANCE

NOTE 1
The insurance will be subject to the terms and conditions of the Company’s usual form of policy, a specimen copy of which will be sent on request. The insurance
on both buildings and contents is based upon the fact that the buildings are occupied as private dwelling only, and subject to no abnormal hazard.
NOTE 2
Please ensure that you consult your Insurance Company prior to leaving that house for longer than 8 days in order that you may obtain advice on restrictions
and cover.
SECTION A – BUILDINGS
LOSS OR DAMAGE CAUSED BY:
1) Fire, Lightning, Thunderbolt, Earthquake or Volcanic Eruption (Including Floods or overflow of the sea occasioned thereby) or Subterranean Fire.
2) Explosion.
3) Riot and Strike
4) Aircraft or other Aerial Device or any article dropped therefrom.
5) Bursting or Overflowing of Water Tank Apparatus or Pipe excluding,
a) the first Kshs.______________ in respect of each and every loss
b) loss or damage whilst the Buildings are left unfurnished.
6) Theft accompanied by actual forcible and violent breaking into or out of the Building or any attempt thereat excluding loss or damage occurring whilst the
Buildings are left unfurnished. Provided that during any period when the private dwelling house is left without an inhabitant cover against theft is
suspended from the beginning of the 31st consecutive day of such Unoccupancy.
7) Impact with the Building by any road vehicle or animal not belonging to the Insured or any member of his family normally residing with him.
8) Storm or Tempest (including Flood or Overflow of the sea occasioned thereby) but EXCLUDING:
a) the first Kshs. ___________ of each and every loss
b) damage caused by Subsidence or Landslip, and,
c) damage caused by Storm or Tempest as regard any Buildings in course of construction, reconstruction or repair (unless all outside doors
windows and other openings thereto are complete and protected against such perils) awnings, blinds, signs, external television and radio
antennae, aerials, aerial fittings, masts and towers or other outdoor fixtures and fittings including gates and fences.
AND IN ADDITION
9) Additional expense or alternative accommodation and loss of rent (not exceeding 10 per cent of the sum insured) in the event of the Buildings being so
damaged by any of the above perils as to be rendered uninhabitable.
SECTION B – CONTENTS
LOSS OR DAMAGE CAUSED BY:
1) Fire, Lightning, Thunderbolt, Earthquake or Volcanic Eruption or Subterranean Fire.
2) Explosion.
3) Riot and Strike
4) Aircraft or other Aerial Device or any article dropped therefrom
5) Bursting or Overflowing of a Water Tank Apparatus or Pipe (excluding damage caused thereto).
6) Impact with the Building
7) Storm, Tempest, Flood excluding the first Kshs _________ of each and every loss.
8) (a) Theft accompanied by actual forcible and violent breaking into or out of the Buildings or any attempt thereat.
(b) Theft in any other circumstances but excluding:
i) Theft whilst the Buildings or any part thereof are lent let or sub-let.
ii) Theft from any outbuildings not directly communicating with the private dwelling house or private flat mentioned in the Schedule or from any
veranda thereto.
iii) The first Kshs ________ or each and every loss
Provided that during any period when the Insured ‘s private flat is left without an inhabitant cover against Theft is entirely suspended from the beginning of
the eighth consecutive day of such occupancy.
AND IN ADDITION
9) Additional expense or alternative accommodation and loss of rent (not exceeding 10 percent of the sum insured) in the event of the private dwelling being
so damaged by any of the above perils as to be rendered uninhabitable.
10) Damage to the buildings mentioned in the Schedule and/or Landlord’s Fixtures and Fittings therein for which the Insured is legally responsible as tenant and
not as owner (but only if the private dwelling house or private flat mentioned in the Schedule be furnished and occupied) directly caused by Storm or
Tempest (but excluding destruction or damage by Subsidence or Landslip), Bursting or Overflowing of a Water Tank Apparatus or pipe, Theft accompanied
by actual forcible and violent breaking into or out of the Building or any attempt thereat provided however that this indemnity excludes the first Kshs
__________ of each and every loss and shall not exceed in the aggregate 10 per cent of the Total Sum Insured as stated in the Schedule.
SECTION C – ALL RISKS INSURANCE
Cover, loss or damage to Jewellery, Gold and Silver Plate and other specified valuables caused by Burglary, Fire, Theft from Person, Loss in Transit or while
travelling, accidental damage, etc.
Principal exclusions are: – War, Civil Commotions, Wear and Tear, Depreciation and Damage due to Moth or by process or repairing, Restoring or Renovating.
SECTION D – WORKMEN’S COMPENSATION
Covers your liability under Workmen’s Compensation legislation in force in Kenya, Tanzania and Uganda or at common Law in respect of domestic servants
employed at your private residence.
SECTION E and F – LIABILITY
Provides an indemnity to you and members of your family, permanently residing with you, for Legal Liabilities arising from bodily injury or damage to property,
occurring during the period of Insurance as a result of an accident up a limit of Kshs ___________ for any one accident or series of accidents arising out of one
event.
The Company will also pay all costs and expenses recovered from the insured by any claimant and/or incurred with the written consent of the Company in
resisting any claim.

downloadDownload the Domestic package form here