1. What are the major exclusions under this policy?
This policy does not cover losses which are specifically excluded under the policy, for example loss or damage:

• to cash, bank notes, cheques, securities for money, deeds, bonds, bills of exchange, promissory notes, stamp collections and etc;
• due to theft of any Contents left inside a vehicle or left in the Open;
• occasioned by or happening through mechanical or electrical breakdown or derangement;
• war, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not); and
• any act of terrorism.

2. What documents need to be submitted in the event of a claim?
Apart from completing a claim form , a police report is required only when the claim involves a criminal act.

3. Is there any excess applicable?
There is an excess of RM 100 which the Insured must bear in the event of loss or damage due to accidents.

4. What if the available limits are insufficient?
If the Insured requires a higher limit coverage, he/she may refer to other products available from Berjaya Sompo Insurance Berhad such as Home Care insurance and/or Houseowners/Householders insurance.

5. Where can I get further information?
If you have any enquiries, please do not hesitate to contact us during our operating hours from 8:30 am to 5:00 pm (Monday-Friday) at the address stated below.