1. What is Home insurance?
Home insurance is an insurance policy that provides protection for your home. It offers protection against various risk e.g. lightning, explosion, earthquake, riot, strike, civil commotion, malicious damage, storm, flood, bursting or overflowing of water tanks, impact or collision involving vehicles or animals etc.to the owner or tenant of the house. There are several additional coverages, within the policy and it depends on the package that customer is purchasing.
2. Who is insured under this policy?
Home Insurance has various coverages, and any loss to the building or contents due to insured risks will be covered during the policy period. Customers have the choice to purchase either:a. Contents onlyb. Building & ContentsThere are three packages under each one of the above options, differing in the limits of insurance applicable to each package.
3. Is ‘Theft’ covered under the policy?
Yes, thefts accompanied by forcible and violent breaking into or out of the buildings are covered. There are exceptions such as thefts occurring when the buildings have been unoccupied for more than 60 consecutive days.
4. Is there any additional coverages that are offered at no charge with my home insurance?
Yes, your home insurance policy offers various additional coverages, at no charge. However, it depends on the package that you’ve selected as all additional coverage are not available for all packages. Additional coverages include the following:
• Rent/Other Accom
• Glassware• Public Liability
• Employee Liability
• Frozen Food
5. What is the definition of "Buildings" in the policy?
Buildings include the private residence, domestic outbuildings, garages, domestic fixed fuel tanks, swimming pools, walls, gates, interior decorations, fixtures, and fittings owned by the insured and forming part of the property on the same site.
6. What are "Contents" as per the policy?
Contents refer to household goods and personal property, tenant's fixtures and fittings within the buildings, excluding items like cash, cheques, negotiable documents, antiques, and jewelry.
7. Which is the best option for me: ‘Contents only’ or ‘Building & Contents’?
Customers who own the house may consider buying ‘Building & Contents’ as it provides comprehensive coverage for various risks threatening the structure of the home or the contents inside. However, those living in a rented properties like flats or villas may opt to buy ‘Contents only.’ In some cases, tenants might have the contractualobligation to buy building insurance as well. It is always recommended that customers purchase ‘Building & Contents’ coverage for their owned or rented house. They can choose an appropriate limit of insurance depending on their actual estimated value of their home.
8. How would I receive my policy documents?
After completing the payment for the home insurance policy, you’ll receive an SMS message from Tawuniya to download the Tawuniya mobile app. After logging in, you’ll be able to view all of your insurance policies with Tawuniya, including Home Insurance.
9. How are claims settled under the policy?
The Tawuniya mobile app provides various services, including the option to make a claim. Please log in and go to the claims section within the app to start the claims process. After initiating a claim through the app, Tawuniya claims professionals will review your policy details and be in touch to settle the claims. Typically, Tawuniya settles the claim within 3 to 5 business days, if all the information is shared upfront and the claims team doesn’t need to do any further due diligence or claims investigation. Therefore, please ensure to provide full information along with pictures, etc., when launching a claim.
10.How can I get more information or assistance with my Home Insurance policy?
For more information or assistance with your Home Insurance policy, you can visit Tawuniya’s official website, contact their customer service, or visit one of their branches. Additionally, the Tawuniya mobile app provides access to policy details and other services that may assist you.
11.What is Home Assistance services and is it included in my home insurance cover?
Yes, Home Assistance services is included and part of your home insurance. This service is designed to provide you with immediate assistance during emergencies at no additional cost. It covers a range of services, including plumbing, electrical repairs, locksmith services, and glazing servicing. This service is available to you for up to three visits per year which you can avail through Tawuniya’s App
