Family Protection Insurance

Our Family Protection policy is carefully planned to provide you with various options to suit your particular circumstances.

• House and Contents Insurance

This type of insurance policy provides a sensible level of protection for all your most prized possessions. This includes insurance cover for your House, furniture, furnishings, home appliances and your personal belongings. They are all covered for their "Indemnity Value", which means their value at the time of loss. "Value" is calculated as their replacement cost, less depreciation.

This policy covers you for:

Protection Against Fire & Explosion
We'll cover your House and Contents for damage or loss caused by fire, lightning, explosion or thunderbolt.

Protection Against Storm, Cyclone & Flood
We'll cover your House and Contents for damage or loss caused by storms, cyclones, rain and floods.

Protection Against Falling Trees & Branches
This policy also gives you cover against damage caused by falling trees and branches.

Protection Against Burglary & Theft
We'll pay for damage and loss caused by burglary or theft, and malicious damage to your property.

Accidental Breakage of Glass & Plumbing Fixtures
We'll pay for breakage of things liked fixed glass, mirrors, hand basins, sinks, toilet pans, shower basins and baths.

Water & Oil Leakage Protection
We'll pay for damage or loss caused by water or oil leaking from any water or heating system.

Protection Against Damage by Impact
We'll pay for damage and loss caused by vehicles, or animals which are not under your control or owned by you.

Strike & Riot Protection
We'll pay for damage and loss caused to your House and Contents during a strike, riot or civil commotion.

Special features of this policy

Rental income Protection
We'll pay for loss of rent caused by damage to your House, up to 10% of the House sum insured.

Temporary Accommodation Expenses
In the event that your home is made uninhabitable, we'll provide temporary accommodation expenses of up to 10% of the Contents sum insured.

Identification Protection
If necessary, we'll pay for the cost of locating and identifying the cause of the destruction or damage to your House and Contents.

Removal of Debris Protection
We'll pay the costs to demolish and remove the debris, following any loss.

Architects' Fees
We'll pay for architect's engineer's and surveyor's fees in respect of the rebuilding or repairs to your House.

Optional special features

Replacement Value
This option provides you with the maximum amount of insurance protection for your House. It means that your house is insured for Replacement Value, and we will replace it to the same condition as it was when brand new, up to the sum insured. We will use building material and construction methods commonly in use at the time of loss.

Electrical Burnout
This option means that we'll cover the cost of food spoilt up to K300, if your refrigeration equipment burns out. You are also covered against loss or damage to household appliances caused by electrical burnout.

Earthquake, Volcanic Eruption & Tsunami Protection
This option means your property is insured against loss or damage caused by earthquake, volcanic eruption, geothermal or hydrothermal activity, tsunami, tidal waves or sea surge.

No Excess
This option means that you will not be charged with the Excess normally applicable for Burglary claims.

• Personal Effects Cover

This option means your personal effects are covered outside your home for Indemnity Value anywhere in Papua New Guinea, Solomon Islands, Australia or New Zealand, and in transit between these countries.

• Family Liability Protection

This option provides you and your family with Legal Liability cover for loss or damage to property, including bodily injury, death or illness of others arising from accidents anywhere in Papua New Guinea, Solomon Islands, Australia or New Zealand. We''ll also pay all costs incurred by you in defending claims made against you.

• Domestic Workers Compensation

This option provides you with insurance cover for your Legal Liability to domestic employees in accordance with the Papua New Guinea Workers' Compensation Act and its amendments, and Common Law.