All Risk Personal Insurance

All Risk Personal Insurance


The Insurer shall pay compensation for accidental physical loss or damage to the Property insured (means personal effects or money and other valuable documents) within the Situation stated in the Insurance Certificate.


The Company shall not be liable for:

  • The excess stated in the Insurance Certificate,
  • Loss or damage arising from wear and tear, depreciation, the wilful act of the Insured,
  • Loss or damage to property used for professional or trade purposes.