(Applicable for SECTION 1 – HOUSEOWNER AND/OR SECTION 2 – HOUSEHOLDER)

This refers to additional benefits provided to You without any additional premium, but which are subject to the terms and conditions of the Policy.

Applicable for SECTION 2 - HOUSEHOLDER

Applicable if Your Policy insures Your Contents only

(A) Contents Temporarily Removed

(C) Compensation for Death

Applicable for SECTION 1 – HOUSEOWNER AND/OR SECTION 2 - HOUSEHOLDER

Applicable if Your Policy insures either Your Building and/or Contents:

(E) Rent Insurance

   (G)Water Bill Reimbursement

INSURING CLAUSE

Applicable for SECTION 3.1 – OPTIONAL ADD-ON COVERS – LANDLORD INSURANCE PACK

We shall pay You up to the sum insured as stated in the Policy Schedule for Your loss of rent in the event:

           i. Loss of rental income due to tenant runaway

Your tenant permanently departs from Your Premises during the Period of Insurance without providing written or verbal notice of departure, as required under the current lease, or rental agreement or without any intention of returning.

This benefit can only claim up to twice for every 12 months.

           ii. Loss or Damage due to malicious act

We will reimburse You for the amount incurred for losses or damages to your contents of

Your Premises caused by Your tenant due to malicious acts.

This benefit excludes losses or damages resulting from:

1. 1. 1. The cost of cleaning and painting unless: -
         1. A physical structural damage was caused to Your building.
         2. The building was vandalised by graffiti, which we agree necessitates such cleaning and painting.
      2. Vandalism to the contents of Your building which are in residential common areas;
      3. Wear and tear of Your Building.
      4. Any occurrence mentioned in General Exclusion (a).

This benefit is limited to the sum as stated in the Policy Schedule during the Period of Insurance.

            iii. Legal Fees for Letter of Demand

We will also reimburse the reasonable legal fees incurred for issuance of a letter of demand by a lawyer in relation to non-payment of rent for overstaying or due to default rental or Your tenant run away.

This benefit is limited to the sum as stated in the Policy Schedule during the Period of Insurance

            iv. Unoccupancy of 90 days

1. Loss or damage of theft or burglary happening whilst Your Premises have been left unoccupied for a continuous period not exceeding ninety (90) consecutive days and nights in excess of ninety (90) days of Section 2 - Householder (Content).

or

1. 1. 2. Loss or damage of theft or burglary happening whilst Your Premises have been left unoccupied for a continuous period not exceeding ninety (90) consecutive days and nights.

Special conditions applying to this Section:-

1. We will not pay any claim under this cover unless You have a written lease or rental agreement in place from the time Your tenant takes up residence.
2. Under tenancy agreement, Your tenant has the duty to make payment promptly as per the tenancy agreement. You may attempt demand from Your tenant in the event Your tenant failed to make payment and runaway. Upon failure to demand from Your tenant, You then shall proceed to file a claim.
3. You have to show proof of rental losses or the letter of demand to proof if the outstanding amount is stated therein.
4. We only cover Parties named in the schedule unless otherwise stated in the relevant

Policy Schedule as being a person entitled to cover.

5. A claim must be supported with a police report.
6. We will pay your rent default equal or less than the actual monthly rent at the date of payment of the claim less any month rental deposit.
7. Section 3.1 (ii) is conditional upon Section 3.1 (i) taking place.

We shall not pay You in respect of: -

1. consequential loss or damage of any kind except Section 3.1(i) of this Section.
2. any of Your liability which attaches by virtue of an agreement, but which would not have attached in the absence of such agreement; and
3. judgements which are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia.
4. loss or damage arising from Wear and Tear, depreciation, gradual deterioration, mildew, moth, vermin or in connection with any process of cleaning, dyeing, repairing restoring or renovating any of Your Premises.
5. the scratching or denting of any article or cracking and/or breakage of glass, or lenses, china, earthenware, marble, gramophone records, tape recorder, compact disc, laser disc, clocks and/or other articles of brittle nature.
6. loss of or damage to deeds, bonds, bills or exchange, promissory notes, cheques, money, medals, coins, stamps or other documents of value.
7. any legal liability of whatsoever nature.

Applicable for SECTION 3.2 – OPTIONAL ADD-ON COVERS – MORTGAGE LOAN PROTECTION PACK

We will indemnify You the monthly loan installment of the insured Building in the event of:

1. Loss or damage to Your Building by the covered Insured Events as specified in Section 1 (where the loss exceeds 15% of the Sum Insured of Your Building as ascertained by Our appointed adjuster) or
2. You being evacuated by the local Authority from Your Building, due to the happening of an Insured Event that affects You, in excess of 72 hours

We will indemnify You, to cover the monthly loan installment amount due and payable under your Mortgage Loan Agreement only for the duration of repair work for the loss or damage to Your Building as determined by Our appointed adjuster or for the duration of Your evacuation exceeding 72 hours until clearance from the local Authority to end the evacuation, with a minimum one (1) monthly installment up to a maximum of six (6) monthly installments or the maximum indemnity limit based on the Plan selected, whichever lower.

and

3. Death or Permanent Disablement

We will indemnify You to cover the monthly loan installment amount due and payable under your Mortgage Loan Agreement as a consequence of Accidental Death or Total Permanent Disablement up to a maximum of six (6) monthly installments or the remaining loan balance or the maximum indemnity limit based on the Plan selected, whichever the lowest.

Any payment made under this section shall reduce the Sum Insured by that amount from the date of Accident until the expiry of the Period of Insurance. In the event of a total of one hundred per cent (100%) of the Sum Insured having been paid during the Period of Insurance, all coverage hereunder shall immediately cease to be in force.

Benefits above are subject to the following:

1. Where the Building which is the subject matter of the Mortgage Loan Agreement is purchased under joint names with more than one (1) Person, each of the Persons shall be entitled to an equal proportion of the Sum Insured. In the event of Death or Total Permanent Disablement of one (1) of the Person, the claim payout shall be on a proportionate basis. (Applicable for benefit (ii) only)
2. The coverage shall immediately cease to be in force once the Mortgage Loan is fully paid.
3. This coverage will cease to apply in the event You dispose the Building which is the subject matter of the Mortgage Loan Agreement.
4. The coverage (ii) is not applicable for company registered owner.

Exception Applicable for SECTION 3.2 – OPTIONAL ADD-ON COVERS – MORTGAGE LOAN PROTECTION PACK

This insurance does not cover death or any injury/disablement directly or indirectly caused by or in connection with any of the following:

1. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power;
2. Insanity, suicide (whether sane or insane), intentional self-inflicted injuries or any attempt thereat;
3. Any form of disease, infection or parasites and Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Virus Infection (HIV).

4. Childbirth, miscarriage, pregnancy or any complications thereof;
5. Provoked murder or assault;
6. While travelling in an aircraft as a member of the crew, except only as a fare-paying passenger in an aircraft licensed for passenger service;
7. While committing or attempting to commit any unlawful act;
8. While participating in any professional sports;
9. Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty (50) metres in depth, mountaineering involving the use of ropes or mechanical guides;
10. Racing (other than on foot), pace-making, speed or reliability trials;
11. Ionisation, radiation or contamination by radioactivity, nuclear weapons material;
12. Riding/driving without a valid driving licence (Provided Always That this will not apply if the Insured/Driver has an expired licence but is not disqualified from holding or obtaining such driving licence under the regulations of Malaysian Road Transport Department or any other relevant laws);

Applicable for SECTION 3.3 – HOME CARE PACK

We shall compensate You the cost incurred for the events below occurring during the Period of Insurance:

i)     Repair of Burst Pipe

We shall indemnify You in respect of the cost incurred in repairing or replacing the damaged or broken pipe(s), including wall hacking and/or patching as a result of an unexpected burst pipe(s) at Your Building up to the limit stated in the Schedule.

   ii)     Termite

We shall indemnify You in respect of the cost incurred in repairing or replacing the damaged fixtures or fittings caused by termites up to the limit stated in the Schedule provided:

1. 1. the building has been treated with termite control treatment within the past 3 years and
   2. inspected by professional pest control at least once annually to ensure that the building is not invaded by termites.

   iii)      Repair or Replacement of Doors, Locks and Windows

We shall indemnify You in respect of the cost incurred for repairing, changing or replacing the external doors, locks and windows or temporary repair caused by violence and forcible break-in or attempted break-in to Your Building up to the limit stated in the Schedule.

   iv)      Domestic Help Allowance

We shall indemnify You up to the limit stated in the Schedule for the expenses for engaging domestic help/cleaning services that was incurred within fourteen (14) days after the completion of the repair works as a result of Insured Events as per Section 1 and/or Section 2.

Applicable for SECTION 3.4 – SMARTHOME DEVICES PROTECTION PACK

Destruction of or Damage to the Home Devices

We will reimburse You the cost of the Insured Items within the situated risk due to destruction of or damage caused by any accident or misfortune not specifically excluded under this section.

“Insured Items”

Smart devices which are generally connected to other devices or networks via different wireless protocols that can operate to some extent interactively and autonomously.

We shall not provide coverage for:

1. games consoles, audio/visual equipment, laptops, tablets or computer equipment which are designed to be portable;
   1. digital/video cameras, satellite navigation systems, radio transmitters, mobile phones and hearing aids;
   2. any loss or damage that is not the direct result of the insured incident itself;
   3. loss or damage that happens after the home has been left unoccupied for more 60 days;
   4. loss or damage caused by:
      • fitting a battery incorrectly
      • the process of cleaning, washing, repairing or restoring any item

• • • electrical or mechanical breakdown
    • weather conditions, moth, vermin, insects, fungus, damp, rust, wet or dry rot
    • chewing, scratching, tearing or fouling by domestic animals
    • paying guests or happening while the home or any part of it is lent, let or sublet

This section shall be limited to the sum as stated in the Policy Schedule during the Period of Insurance subject to a limit of RM2,000 per article.

We shall not pay You in respect of: -

1. any accident, loss, damage, expense, liability or bodily injury occasioned by or through or in consequence directly or indirectly of confiscation, commandeering, requisition or destruction of or damage to the Premises insured by order of the Government de jure or de facto or any public, municipal or local authority of the area in which the Premises is situated;
2. any accident, loss, damage, expense, liability or bodily injury directly or indirectly caused by or arising from or in consequence of or contributed to by:
   1. nuclear weapons material;
   2. ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and, solely for the purposes of this General Exclusion (c) (ii), combustion shall include any self-sustaining process of nuclear fission;
3. consequential loss or damage of any kind of this Section.
4. any of Your liability which attaches by virtue of an agreement, but which would not have attached in the absence of such agreement; and
5. judgements which are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia.
6. loss or damage arising from Wear and Tear, depreciation, gradual deterioration, mildew, moth, vermin or in connection with any process of cleaning, dyeing, repairing restoring or renovating any of the Premises.
7. the scratching or denting of any article or cracking and/or breakage of glass, or lenses, china, earthenware, marble, gramophone records, tape recorder, compact disc, laser disc, clocks and/or other articles of brittle nature.
8. loss of or damage to deeds, bonds, bills or exchange, promissory notes, cheques, money, medals, coins, stamps or other documents of value.

1. any legal liability of whatsoever nature.

Special conditions applying to this Section:-

a)   Proof of purchase is required for claim.

Applicable for SECTION 4.0 – PERSONAL LIABILITY

We will indemnify You against all sums which You shall become legally liable to pay in respect of:

1. legal liability for accidental death or bodily injury caused to any person not in the service of Yours and not being a member of Your family or household;
2. legal liability for accidental loss of or damage to property not owned by You or by any member of Your family or household, or any servant or agent of Yours, or held in trust by You or in Your care, custody or control; or
3. legal liability as occupier of the Home stated in the Schedule:

caused by the negligence of You or members of Your family or domestic servants normally residing with him for whom he is responsible, occurring within the Geograpical Limits defined hereunder during the Period of Insurance PROVIDED THAT the liability of Ours under this Section for all compensation payable in respect of or arising out of one occurrence or in respect of or arising out of all occurrences of a series consequent on or attributable to one source or original cause shall not exceed the amount specified hereunder as the Limit of Liability.

In addition, in respect of a claim to which the indemnity expressed in this Section applies,

We will pay all costs and expenses incurred by You with the written consent from Us.

In the event of Your death, We will in respect of the liability incurred by You, indemnify Your personal representative provided that such personal representative shall, as though he were You, observe, fulfil and be subject to the Terms, Exclusions and Conditions of this Policy so far as they can apply.

Limit of Liability

The limit of liability for any one occurrence or series of occurrences attributable to one source or original cause shall subject to a maximum of RM250,000.

Geographical

Geographical Limits under Section 4.0 shall mean Malaysia and Singapore only.

Jurisdiction

This policy shall be subject to the jurisdiction of Malaysia and construed in accordance with the laws of Malaysia.

Exclusions (applicable to Section 4.0)

We shall not indemnify You in respect of :

1. liabilities arising from ownership, occupation or use of any land or non-domestic building other than Your Home specified in the Schedule;
2. judgements which are not in the first instance delivered by or obtained from a court of competent jurisdiction within Malaysia.
3. any liability of Yours which attaches by virtue of an agreement but which would not have attached in the absence of such agreement;
4. advice, design, specification given or provided by You in a professional capacity or any breach of duty owed by You in a professional capacity;
5. consequential loss or damage of any kind of this Section.
6. the ownership, possession, driving or use (other than use as a passenger having no right of control) of lifts, mechanically propelled vehicles, or aircraft or watercraft;
7. hunting, racing or the use of any horse; and
8. liabilities arising from wilful acts of You or members of Your family or domestic servants.

GENERAL EXCEPTIONS

(Applicable for ALL SECTIONS)

You will not be covered under the following circumstances:

General Exception 1

We will not cover loss or damage or other contingency caused directly or indirectly by:

1. War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), civil war;
2. Mutiny, riot, military or popular uprising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege;
3. Any act of terrorism.

For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisations or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.

Any loss or damage or other contingency happening during the existence of abnormal conditions (whether physical or otherwise) which are caused directly or indirectly, of any of the said occurrences shall be deemed to be loss, damage or a contingency which is not covered by this insurance. You have to prove that such loss, damage or other contingency happened independently of the existence of such abnormal conditions.

In any action, suit or other proceedings, where We allege that by reason of the provisions of this Condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon You.

General Exception 2

We will not cover loss or damage:

1. caused by cessation of work, or by confiscation, commandeering, requisition or destruction of or damage to the property by order of the Government de jure or de facto or any Public Municipal or Local Authority of the country or area in which the property is situated;

2. to property by its own fermentation, natural heating or spontaneous combustion or by its undergoing any heating or drying process;
3. arising from or in consequence of or contributed to by nuclear weapons material;
4. arising from or in consequence of or contributed to by ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. Solely for this purpose, combustion shall include any self sustaining process of nuclear fission.

General Exception 3

We will not cover Consequential loss or damage of any kind except Rent Insurance.

HOW WE WILL SETTLE YOUR CLAIM

(Applicable for ALL SECTIONS)

Insurance Interest

Only You have rights to claim from Us, except upon Your death, or by operation of law, the passing of interest of this insurance to another person shall only take effect after We have endorsed the Policy.

No Right of Claim from Any Other Person

Whilst the Policy insures property of Your Family or domestic servant, only You can make a claim on their behalf.

Limit to Three (3) Paying Guests only

This Policy is valid if the number of paying guests, boarders and lodgers does not exceed three (3) persons.

For the purposes of Additional Benefit – F) Liability to the Public under Section 1 and/or Section 2 only, these persons are deemed to be members of Your Household.

Market Value

We will indemnify You the insured value or the market value of the insured property whichever is lower subject to the deduction of any Excess.

Market value means the value of the property insured at the time of loss or damage less allowance for wear and tear and/or depreciation.

The market value shall be determined by a valuation obtained by Us from the:

• • manufacturer, or
  • authorised sole agent or agent, or
  • authorised broker, authorised distributor, or
  • building contractor , or
  • licensed loss adjuster, under the Financial Services Act 2013
  • Registered Valuer under the Valuers and Appraisers Act 1981 to be mutually appointed by both You and Us.

The valuation so obtained shall be conclusive in any legal proceedings against Us.

Our Maximum Liability

Our total liability to You in respect of loss or damage during any one Period of Insurance will not exceed the amount stated against each item or in the aggregate, the Total Sum Insured specified on the Schedule or such other sum or sums endorsed in this Policy.

Average

If the market value of the property insured at the time of any loss is collectively of higher value than the Sum Insured stated in the Schedule, then You will be responsible for the difference and bear a proportional share of the loss. The sharing of proportional loss will apply separately to each item insured.

Excess

For loss or damage (except by fire) to the buildings of the Private Dwelling House by any Insured event where Excess applies, Excess shall separately apply to:

1. each building. All insured buildings at the same Premises stated in the Schedule are considered as one building.
2. each incident. If the same Insured event occurs within seven (7) consecutive days, it is considered the same incident.

Other Insurance

If there are any other policies covering the same or part of the same loss, damage or liability,

We will only pay a share of the total loss, damage or liability proportionally.

Subrogation

We are entitled to undertake in Your name and on Your behalf:

• the full conduct, control and settlement of any proceedings;
• recover compensation or secure indemnity from any third party in respect of anything covered by this Policy.

at Our own expense and benefit.

Fraud

We will not pay if Your claim is in any way fraudulent by You or persons acting on Your behalf.

Right of Access and Control

On the happening of any loss or damage We are entitled to:

• • enter any building where the loss or damage has happened;
  • take and keep possession of the insured property;
  • deal with the salvage of the damaged insured property.

However, You shall not abandon the damaged insured property to us.

Arbitration

Any difference on the amount of any loss of damage between You and us shall be referred to an arbitrator who shall be appointed in writing by You and us. In case You and us are unable to agree on a single Arbitrator, within two months of being required in writing to do so by either party, then You and Us shall be entitled to appoint an Arbitrator each who shall appoint an Umpire to preside over their meetings. However, one party is at liberty to appoint a sole Arbitrator, should the other party within two months of the written notice fail to appoint the other Arbitrator.

The costs of arbitration and awards shall be decided by the Arbitrator, Arbitrators or Umpire.

You and Us clearly agree that the awards by the Arbitrator, Arbitrators or Umpire shall be obtained first before You can commence legal proceedings on Us.

HOW TO MAKE A CLAIM

(Applicable for ALL SECTIONS)

Notice and Proof of Claim

You must immediately notify in writing to Us of any loss or damage and:

• • at Your own expense and within 30 days after the incident, deliver to Us a claim in writing with detailed particulars and proofs as We may reasonably require;
  • for loss or damage by theft or attempted theft and Runaway Tenant, You must immediately make a Police report.

Building Plans

If We elect to reinstate any building, You must furnish Us plans, specifications and quantities as We may reasonably require.

Liability Claims

You shall upon receiving any notice of any accident or claim from other parties, give Us immediate notice in writing and as soon as possible supply us full particulars in writing.

You shall send to Us immediately any writ, summons or other legal process issued or commenced against You and provide all necessary information and assistance to enable Us to settle or resist any claim or institute proceedings.

You shall not without Our written consent:

• • admit or repudiate any claim or liability;
  • offer or negotiate to pay a claim.

YOUR RESPONSIBILITY

(Applicable for ALL SECTIONS)

Duty of care

You shall use all reasonable diligence and care to keep the premises in proper state of repair. As owner of the Private Dwelling, You shall made good as soon as possible any defect discovered and shall, in the mean time, take additional precautions to prevent injury, loss or damage.

We will not be liable for any injury, loss or damage caused by You failing to remedy such defect after receiving notice from us or from any person or public body.

Reinstatement of Sum Insured

After a loss, the full sum insured of this insurance shall be maintained.

You are required to pay an additional pro rata premium based on the amount of loss calculated from the date of loss to the expiry date of insurance.

Unvalued Policy Clause

This is an unvalued policy. You must prove to the satisfaction of Us the value of the property at the time of the happening of its destruction or the amount of such damage.

  HOW YOUR POLICY MAY BE CANCELLED

(Applicable for ALL SECTIONS)

Your Policy cancellation is subject to the following conditions:

1. Short-period refund or minimum Premium payable for cancellation of the Policy by You.
2. Pro-rata premium will be refunded if We cancel the Policy at anytime by giving You seven (7) days’ notice in writing

3. No refund of premium for any deletion of Section 3 and Section 4

GLOSSARY

Some words and expressions in this Policy have a specific meaning which is given below. Each word is printed in bold where it appears.

“Accident” means any sudden or unexpected and violent event, resulting directly and independently from the action of an external cause, other than any intentionally self-inflicted injury.

“Building(s)” (see Insuring Clause Section 1)

“Death” means in the event of Injury resulting in death within three hundred sixty five (365) days from the Date of Accident.

“Consequential loss” means financial loss.

“Consumer Insurance Contracts” means insurance wholly for purposes unrelated to the Insured’s trade, business or profession.

“Contents” (see Insuring Clause Section 2)

“Customary short-period rates” means the following:

“Depreciation” means the reduction in the value of the item or property due to wear and tear.

“Endorsement” means a written alteration to the terms, conditions and limitations of this policy which is shown on the Schedule.

“Erosion” means being worn or washed away by water or wind.

“Excess” means the amount You must pay towards a claim before We pay. The amount will be stated on the Schedule or in any selected Optional Benefits.

“Family” and “Household” means any person(s) who normally reside with You.

“Fixtures” and “Fittings” means items that are permanently attached to Your building.

“Flood” means the overflowing or deviation from their normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building.

“Geographical Area” is referring to Malaysia only.

“Indemnity” means putting You back to Your same financial position immediately before the loss.

“Insured event” means one of the perils listed under this Policy.

“Non-Consumer Insurance Contracts” means insurance for purposes related to the Insured’s trade, business or profession.

“Occurrence” means the exact period when the incident took place.

“Open” means anywhere at the premises not fully enclosed by walls and a roof and which is not able to be secured, also any outbuildings on the premises if such buildings are not able to be secured.

“Period of Insurance” means the period for which You are insured. It commences at the time We agree to give You insurance and finishes at midnight on the day of expiry. The expiry date is shown on the Schedule.

“Permanent Disablement” means when injury does not result in death to You within (365) days from the Date of Accident but result in 100% absolute disablement from engaging in or giving attention to a profession or occupation of any kind.

100% absolute disablement in this context shall mean as below:

• Loss of both hands or both feet
• Loss of sight of both eyes
• Loss of one eye and one hand
• Loss of one eye and one foot
• Total paralysis (from the neck down)
• Permanent quadriplegia (loss or permanent total loss of use of four limbs)
• Loss of one foot or one hand
• Loss of sight of one eye
• Insanity
• Loss of hearing of both ears
• Loss of speech.

“Personal Effects” means personal items regularly worn or carried on the person for his/her personal use, for example clothing, watch, wallet.

“Physical Structural" means a structure with a roof and walls standing in one place.

“Plate glass” means glass fitted to the structure of the building.

“Premises” means the land at the address shown on the Schedule on which the Building is built, including the yard or garden used only for domestic purposes.

“Premium” means any amount We require You to pay under this Policy and Government charges.

“Private Dwelling House” (see Insuring Clause Section 1)

"Residential Common Areas" mean property owned by the body corporate forming part of the strata title development

“Robbery and Hold Up” means that the items insured are either taken away or surrendered; in both instances due to force, menaces or threat of physical violence made against You, or persons living with You in a common household, or other persons authorized to be on Your Premises.

“Runaway Tenant” under SECTION 3.1 - LANDLORD INSURANCE of this Policy, means the tenant runs away or abandons the tenant’s obligations under a tenancy of Your Building without any notice (written/oral) in default of the tenancy or without any intention of returning or honoring the said tenancy.

“Schedule” means the Policy Schedule where both the insured items and Sum Insured are specified.

“Secured” means locked so as to prevent entry other than by using force.

“Sum Insured” means the amount You have insured on either Your Building, Your Contents (including specified contents) as shown on the Schedule. This shall include the Additional Benefits and any of the Optional Benefits selected by You.

“Warranties” means either restriction or obligation that the Policy imposes on You. A breach of a warranty will entitle Us to reject the claim for loss or damage or liability.

“Wear and tear” means damage or a reduction in value through age, ordinary use or lack of maintenance.

“We, Our, Ours and Us” means Tune Insurance Malaysia Berhad (30686-K).

“You, Your and Yours” means the person(s) named on the Schedule as the insured.

“Vandalism” – shall mean the action involving deliberate destruction of or damage to public or private property. The term includes property damage, such as graffiti and defacement directed towards any property without permission of the owner.