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    Customer Services Contacts: Product Name

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    This document provides details on home contents insurance offered by NICOZ Diamond Insurance in Zimbabwe. It summarizes the key coverage included in the policy such as protection for household goods and personal effects in the home against fire, theft, and water damage. The policy also covers theft of laundry and garden furniture left outdoors. Specific exclusions are listed such as loss or damage outside of Zimbabwe and theft from an unattended vehicle.

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    © All Rights Reserved
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    Customer Services Contacts: Product Name

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    zivainyaude
    29 views4 pages
    This document provides details on home contents insurance offered by NICOZ Diamond Insurance in Zimbabwe. It summarizes the key coverage included in the policy such as protection for household goods and personal effects in the home against fire, theft, and water damage. The policy also covers theft of laundry and garden furniture left outdoors. Specific exclusions are listed such as loss or damage outside of Zimbabwe and theft from an unattended vehicle.

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    This document provides details on home contents insurance offered by NICOZ Diamond Insurance in Zimbabwe. It summarizes the key coverage included in the policy such as protection for household goods and personal effects in the home against fire, theft, and water damage. The policy also covers theft of laundry and garden furniture left outdoors. Specific exclusions are listed such as loss or damage outside of Zimbabwe and theft from an unattended vehicle.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    29 views4 pages

    Customer Services Contacts: Product Name

    Uploaded by

    zivainyaude
    This document provides details on home contents insurance offered by NICOZ Diamond Insurance in Zimbabwe. It summarizes the key coverage included in the policy such as protection for household goods and personal effects in the home against fire, theft, and water damage. The policy also covers theft of laundry and garden furniture left outdoors. Specific exclusions are listed such as loss or damage outside of Zimbabwe and theft from an unattended vehicle.

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    IPEC  Registered  Multiple  Insurance  Agent  


      NICOZ Diamond Insurance - Head Office
    Insurance  Centre    
    30  Samora  Machel  Avenue  
    Harare  
    Zimbabwe  
     

     
    Customer  Services    Contacts   Tel  :  Call  Center  :  +263-­‐4-­‐704911-­‐4,  251008,  700146,  701133  
    Toll free 0800 4244  
    Email:  [email protected]  
    PRODUCT  NAME   HOUSE  HOLDERS/HOME  CONTENTS  INSURANCE  
     
       

    Summary of Cover
    This cover can be taken together with or separate from the house owners ‘policy stated above and is
    designed to cover moveable contents of the home whilst in the home or temporarily away at a place of repair,
    against the perils of theft, fire, lighting, explosion of domestic gas, strikes, accidental damage to television
    sets, theft of laundry from washing line, theft of goods belonging to domestic workers and deterioration of
    foodstuff in a fridge.

    Full product description: Household goods (Contents) from the Dwelling.

    Definitions

    For this section

    1.1 Dwelling means any building (other than a hotel) in which you are permanently residing.

    1.2 Household goods (contents) mean household goods and personal effects of every
    description belonging to you or to any member of your immediate family normally resident
    with you or for which you are legally responsible.

    Insured events
    i. Fire lighting explosion

    ii. Riot civil commotion strike lock-outs labour disturbances or malicious acts excluding
    loss or damage caused by a person lawfully in the dwelling
    iii. Storm wind water hail or snow excluding loss or damage
    1. to property in the open
    2. arising out of any process necessarily involving the use or application of
    water
    3. in any structure not completely roofed
    iv. Earthquake excluding loss or damage (other than by fire) arising directly or indirectly
    from mining
    v. Bursting leaking or overflowing of water apparatus or pipes
    vi. Sudden and violent damage to any building as a result of impact by vehicle or animal
    Theft from
     
    IPEC  Registered  Multiple  Insurance  Agent  
    vii. the dwelling but excluding theft whilst the building or any part of it is being let
    or sublet unless accompanied by violent entry or exit

    viii. its outbuildings if there is forcible and violent entry or exit

    1. any building in which you are temporarily residing provided we have been
    notified

    ix. Theft

    1. of laundry from washing lines, garden and veranda furniture/implements


    from the grounds of your dwelling, subject to a limit of 4% of total sum
    insured.

    2. whilst in transit during a permanent change in the policyholder’s residence


    to or from a bank, safe deposit or furniture store

    Specific exclusions

    We will not be liable for

    i. loss or damage caused, sustained or incurred outside the territorial limits of the
    Republic of Zimbabwe, Botswana, Lesotho, Malawi, Namibia, South Africa, Swaziland
    and Zambia

    ii. theft of money unless stolen from a building mentioned and there is forcible and
    violent entry or exit The limit in this respect shall not exceed 2% of the sum
    insured under this section or $ 500

    iii. theft from the dwelling or its outbuildings whilst lent, let sub-let unless there is
    forcible and violent entry or exit

    iv. theft or malicious acts if the dwelling has not been lived on for more than 30
    consecutive days

    v. any amount in excess of one third of the total sum insured on contents for any one
    claim for jewellery, precious metals, furs and works of art

    vi. loss, damage or injury to animals securities certificates and documents of any kind,
    stamp and coin collections motor vehicles, caravans and trailers including their fitted
    accessories, water-borne vessel or craft and their equipment

    vii. property held or used in connection with any business, profession or employment

    viii. property more specifically insured.

    ix. consequential or indirect loss or damage of any kind or description whatsoever,


    except loss of rent as expressly provided.
     
    IPEC  Registered  Multiple  Insurance  Agent  

    1. Loss or damage for which provision is made in any guarantee or service


    contract or in any hire or hire purchase or financing agreement or any
    other agreement of whatever nature regarding the insured property or
    any part thereof.

    PERSONAL ALL RISKS

    For this section the insured means person whose name this policy is issued and members of his family
    normally resident with him

    Property insured

    Clothing, baggage and person effects normally worn or designed to be


    1.1 Unspecified: carried on or
    by the person.

    Any property listed in the schedule


    1.2 Specified:

    2. Indemnity to policyholder

    If the property insured is accidentally lost or damaged we will pay for or may choose to repair or
    replace it. The amount payable will be based on the current replacement value less an allowance for
    depreciation. The maximum amount payable in respect of any items shall not exceed the sum
    insured shown in the schedule for such items.

    Specific exclusions

    We will not pay for:

    i. in respect of unspecified property

    1. more than 20% of the sum insured for any one article excluding clothing
    2. spectacles, prescriptions sunglasses, contact lenses, and cellphones
    3. stamp and coin collection, money, documents or property more specifically
    insured

    ii. wear, tear depreciation or deterioration

    iii. electrical or mechanical breakdown not accompanied by other insured damage

    iv. any article lost from an unattended vehicle unless concealed in a locked boot of a
    locked vehicle
     
    IPEC  Registered  Multiple  Insurance  Agent  

    v. the special value which any article may have as part of a set

    vi. the value of any sounds or images recorded on tapes, records or film

    vii. loss or damage caused

    1. by vermin, moths or gradually operating causes


    2. during any process of cleaning, dyeing renovating restoring or repairing
    3. by confiscation or detention by any process of law
    4. by any inherent defect

    viii. loss or damage to precious and semi precious stones

    1. due to faulty settings and /or the malfunctioning of claws and or other
    mountings
    2. caused by the gradual deterioration and normal wear and tear of claws or
    other mountings

    Property which is not insured

    i. Any property, which was obtained or is being obtained with the sole purpose of
    being disposed in a business transaction

    ii. Vehicles of any kind including vessels or watercraft and any part of such
    vehicles, vessels and watercraft whilst in or on or attached to such vehicle,
    vessels or water
    iii. craft.

    iv. Animals

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