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| Home Insurance |
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Safety of home is a big challenge in the present circumstances and if things go wrong, like burglary or fire - it is important to have right insurance. With EFU’S HOME INSURANCE PLUS you can be sure that your most important insurance needs are automatically covered without any hidden notes. |
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WHAT IS MY PROPERTY INSURED AGAINST? |
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Home Insurance Plus protects you against loss/damage caused by:
- Fire, explosion (including explosion of domestic appliances like geyser and stoves) lightning, thunderbolt, earthquake
- Burglary, house breaking or any attempt of threat
- Riot, strike, labor disturbance and malicious act
- Aircraft and other aerial devices or articles dropped there from as well as falling trees
- Bursting or overflowing of underground water or sewerage pipes (excluding damage caused thereto)
- Flood, typhoon but excluding rain damage except when occurring during or immediately after typhoon
- Impact by road vehicle
- Personal accident cover
- Loss of rent and
- Terrorism
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AND WHAT ABOUT MY VALUABLES |
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Your valuables like Jewelry are held covered when they are:
- at residence or
- in a specified locker or
- in transit between residence and the locker and vice versa (maximum limit Rs. 100,000/-) or
- worn and robbed anywhere in Pakistan (limited to 30% of the insured value of the jewelry. Maximum limit Rs. 100,000/-)
- Cash on body also covered maximum up to Rs. 10,000/- during transit.
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HOW DO I CHOOSE THE RIGHT AMOUNT? |
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The contents sum insured you choose should represent the full cost of replacing your contents as NEW with items of similar quality at today’s prices. |
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WHAT HAPPENS IF I AM UNDER-INSURED? |
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If your sum insured is insufficient any claim you make would be reduced in the same proportion as the amount of under-insurance. |
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SPECIAL OFFER, ABSOULUTELY FREE |
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- Personal Accident Cover to the insured and family up to Rs. 100,000/-
- Coverage for insured’s legal liability to domestic employees and to public is also there to help you through legal difficulties
- You can cover both your buildings and contents or just building or just contents, however loss of rent feature will only attach if you insure both the building and contents with us.
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JUST FOR YOUR COMPLETE PROTECTION FOLLOWING RIDERS ARE AVAILABLE ON DISCOUNTED ADDITIONAL PREMIUM |
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- Enhancement of cash and jewelry sum insured for not more than four weeks provided the period has been disclosed and commitment granted by the Company.
- Enhancement of Personal Accident Limits of standard cover.
To acquire this unique offer simply fill out the following proposal and leave the rest to us.
Click here to submit this policy |
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| shop Insurance |
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 EFU, being INNOVATORS of world class quality insurance products; introduce SHOP INSURANCE cover. Under this policy your shop (both building and contents or just building or contents), neon sign & plate glass are protected against the following perils: |
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SECTION I |
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 Fire, lightning, thunderbolt and short circuit. - Burglary including dacoity and armed holdup.
- Riot & strike damage.
- Malicious damage.
- Explosion.
- Terrorism.
- Aircraft and other aerial devices or articles dropped therefrom.
- Impact by any road vehicle.
- Atmospheric disturbance (flood, cyclone and typhoon).
- Earthquake.
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SECTION II |
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In addition to the above traditional risks, following are special features of our policy: |
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SEASONAL INCREASES
This section includes an increase of 25% in the sum insured on stock during the months of Ramzan or Christmas each year or during any other agreed period of 30 days.
CASH-IN-SAFE / COUNTER / DRAWER
The Company shall indemnify the insured for loss of cash up to 5% of sum insured of contents (maximum Rs. 25,000/-), or any other limits specifically noted on the schedule of the policy, whilst contained (in drawer, safe or counter) in the premises described in the schedule, due to burglary, dacoity and armed holdup.
PERSONAL ACCIDENT COVER
The Company undertakes to pay the compensation on the scale provided below for bodily injury as hereinafter defined sustained by the owner(s)/partner(s) whilst in the shop mentioned in the schedule occasioned by any of the perils stated in section 1, provided death or disablement mentioned below ensues within three calendar months of such injury.
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Death |
Rs. 100,000/- |
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Total loss of both eyes |
100,000 |
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Total loss by physical severance of both hands above the wrist or both feet above the ankle or one hand together with one foot. |
100,000/- |
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Total loss by physical severance of one hand above the wrist or one foot above the ankle together with the total and irrecoverable loss of one eye. |
100,000/- |
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Total and irrecoverable loss of one eye. |
50,000 |
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Total loss by physical severance above the wrist or one foot above the ankle. |
50,000/- |
(The total liability of the Company shall not in the aggregate exceed the sum of Rs100,000/-
for insured (owner(s)/partner(s). Age limit of person(s) is 18-65 years.)
MEDICAL REIMBURSEMENT
In case of injuries to the owner(s)/partner(s), employees or customers due to the perils stated in section 1 while they are in the insured shop, the Company will pay actual medical expenses incurred on treatment but up to Rs. 10,000/- (maximum), depending on the injuries.
LOSS OF RENT
The Company shall indemnify the insured for the actual loss of rent directly resulting from loss or damage to the building and/or contents due to perils covered under section 1 but not exceeding 10% of the sum insured in respect of building or contents whichever is the greater.
Click here to submit this policy |
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