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This is designed to provide fairly broad coverage for individuals in respect of their personal property. The cover is against all loss or damage except as may be excluded based on the "Exceptions" in the policy. |
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The covers are in three sections as follows : |
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| Section A : | Personal
Clothing and Personal Effects other than in Section B and C. |
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| Section B : | Furniture
and Household Effects, Sewing Machines, Musical Instruments, Tape
Recorders, Record Players, Records, Radio, Compact/ Laser Disc and
Player, Television Sets, Typewriters and the like as may be declared
for insurance. |
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| Section C : | Gold, Platinum
and Silver Articles, Watches, Jewelry, Furs, Medals, Cameras and Photographic
Equipment etc as may be declared for insurance. |
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These "Exception" are as follows : |
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| • War
and kindred risks, civil war, mutiny, civil commotion assuming the
proportion of or amounting to popular rising, military rising, insurrection,
rebellion, revolution, conspiracy, military or usurped power, martial
law etc and acts of terrorism. • Ionizing radiations or contamination by radioactivity from nuclear fuel or nuclear waste from the combustion of nuclear fuel. • Nuclear weapons material. • Consequence of strike or riot. • Theft of property left in unoccupied touring or convertible cars or other unoccupied vehicles unless all windows doors luggage compartments or boot roof and windscreen are completely closed and securely locked. • Wear and tear, gradual deterioration, depreciation, mechanical or its own ignition, or electrical breakdown or burnout or derangement. • Moth, vermin, any process of cleaning, dyeing, repairing or restoring or action of light, atmospheric or climatic conditions (other than lightning). • Breakage or scratching of glass or other substance of a brittle or fragile nature (other than camera lenses which is subject to an excess of US$25) not due to thieves or fire. • Property used for professional or trade purposes, photographing or hunting of big game, or expeditions of discovery or research. • Money, securities, deeds, bonds, bills of exchange, promissory notes, stocks of shares certificates, coins, manuscripts, stamps, documents or travel tickets, contact lenses or micro-corneal lenses, vehicles, watercraft, aircraft or accessories of any of them or livestock. • Detention, confiscation, destruction or requisition by Customs and other authorities. • Loss or damage to property covered under Section B unless by fire, lighting, theft, sea water or accident to conveying vehicle, vessel or aircraft. |
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Most exclusions are mandatory except perhaps strike and riots which may be covered with additional premiums. Certain endorsements which may be put in by Underwriters such as : |
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| • Protection. • Excluding valuables during unoccupancy. • Additional Protection. • Inventory and Valuation. • Jewelry Overhaul. • Safe Custody. • Property in Bank or Safe Deposit. • Safe warranty. • Burglary Alarm Protection. |
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Note: This information is for briefing purpose only. Full detail and conditions of policy cover are contained in VIA's official policy wording. |
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