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INSURANCE LAW - Property Insurance
Related Topics : Auto Insurance . Business Insurance . Disability Insurance . Health Insurance . Insurer's Bad Faith . Life Insurance Law . Property Insurance


Full-Theft Cover

Optional Cover For Contents Only
This optional cover called full-theft, is available to certain qualified clients on payment of additional premium. Unlike the standard Theft cover, this extension would cover theft even if there are no signs of breaking in or out pane or tile to claim for theft if you have this extension.

Even the use of duplicate or master key or even that you are tricked into opening the door for thieves would be covered. The risk covered by this extension is obviously higher, hence the need to charge additional premium. It is also for this reason that this cover is not given to just anyone.

Although there need not be any sign of forcible entry, this does not mean the policy will also cover if your property is missing for no apparent reason. A theft must occur. That means you realize a theft has occurred. The only thing is that you do not know how the thief entered your home.

Note also that there is an excess of RM250 under this extension. This means that you will have to bear the first RM250 for every claim involving theft where there is no sign of forcible entry or exit.

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