Fire Insurance (Home Guard)

Coverage

• Loss of or damage caused by Fire, Lightning, Explosion, Water Damage (Exclude Flooding), Vehicle Impact, Aircraft
• To cover Loss of or damage caused by natural perils

(Windstorm, Flood, Earthquake or Volcanic Eruption or Tidal Wave or Tsunami and Hail)

• Perils

-  Loss of or damage caused by Electrical Injury

-  Loss of or damage caused by Strike Riot or Malicious Act Endorsement (Excluding any action for political religious or ideological purpose)

-  Loss of or damage caused by Theft (BG.2)

-  Loss of Money

-  Damage caused by Breakage of fixed glass

-  Public Liability

-  Personal Accident within the premises (ORBOR 2)

-  Cover of Legal liability as an employer to the employee

-  Rent, loss of rent and accommodation expenses (per maximum 30 days)

-  Loss of or damage to land title deeds and legal documents

-  Loss of or damage to personal effects of Insured

-  Loss of or damage to personal effects of employees

-  Removal or Temporary Removal Clause

-  Alterations and Repairs Clause

-  Growing Trees Clause

-  Debris Removal Clause

-  Fire Extinguishing Expenses Clause

-  Fire Brigade Charges Clause

-  Professional Fees Clause

Remarks

1) The maximum sum insured is up to 50 million Baht.

2) One Policy per one Location only

3) The insured building must be a first-class structure (concrete)

4) Dwelling House only

5) The company reserves the right not to accept following risks;

Property located in dangerous zone as declared by Office of Insurance Commission,

e.g. Yaowarat, Sampeng, Jakrawat and Klongtoey community area

6)  No cover loss or damages that occur before Policy Effective Date

7)  No Deductible

8)  Property details;

Building (excluding foundation) mean

a)  Single house, townhouse, twin house, block-house for dwelling, parking lot and small buildings such as houses for servants, canteens, including walls, fences, gates, improvements but excluding foundation.

b)  Residential units in flats, apartment buildings, condominiums

Its Contents mean furniture, fixtures, fittings, tools, household utensils, electrical appliances and equipment, musical instruments, audio equipment, kitchenware, clothing and other property in the dwelling of the Insured or normal dependants (which are not specifically excluded in the Exclusion)"

9) Under Insurance If the sum insured is equal to or of greater value than 70% of the insurable actual value, at the time of occurrence of any damage as covered by the insured perils under this Policy, then the Company shall indemnify the Insured the actual value of damage (not exceeding the sum insured). The Under-Insurance Clause shall not be applied in this case. However, if the sum insured is less than 70% of the actual value at the time of occurrence of any damage as covered by the insured perils under this Policy, then the Insured shall be considered as being his own insurer for the difference, and shall bear a rate able proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.

10) Term and Premium will be valid within 30 days. The Company reserves the rights to change Term and Premium after the valid date. This quotation is subject to no major changes in loss history reported to the company prior to the issuing date.

Insurer: Indara Insurance Public Company Limited

Insurance Broker: Bank of China (Thai) Public Company Limited, License no. vor. 00022/2565

Remark:

1. Customer (Insured) should study with understandably on details of coverage, terms and conditions before purchasing insurance

2. In the event of any discrepancy or inconsistency in the interpretation of any the clauses, between the different language version, the Thai version shall prevail