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Our Home Insurance policy provides cover for both Buildings and Contents in respect of damages caused by :-
- Fire
- Lightning
- Explosion
- Smoke
- Storm or Flood
- Riot, Strikes, Labour or Political Disturbance
- Malicious Acts or Vandalism
- Water escaping from washing machines, dishwashers and fixed plumbing
- Oil or fuel oil escaping from a fixed heater installation
- Theft without forcible and violent entry
- Attempted theft
- Falling trees or branches
- Impact by Aircraft
- Impact by road vehicle or animals (not belonging to you)
- Earthquake
- Breakage / collapse of TV aerial / satellite
- Air conditioning equipment (provided annual maintenance is carried out)
- Accidental damage to
- TV, Radios, Hi-Fi, DVD/Video player and computer – Max €2,329.37 any one item
- mirrors, fixed glass to furniture & glass table tops
- sanitary fittings
- drains, drains inspection covers, pipes, cables, underground tanks
- Garden furniture – Max € 465.87
- Loss of metered water – up to € 116.46
- Replacement of locks – up to € 174.70
- Freezer food – up to € 582.34
- Loss of money and credit cards within the Maltese Islands – up to € 349.41
- Pedal cycles and your sports equipment – up to € 698.81
- Legal Expenses – up to € 1164.69
- Personal Accident – up to € 11,646.87
- Presents and Gifts – up to € 11,646.87
- Third Party Liability – up to € 582,343.35
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Optional Additional Covers
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- Upgrade of building and contents cover to accidental damage
- Personal Belongings such as jewellery insured anywhere within:
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- Maltese Islands
- Europe
- Worldwide
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How may I arrive at the value to be insured ?
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Buildings – For insurance purposes building consists of the construction and all finishings fixed to the buildings including plumbing, electricity, doors, windows, tiles, bathroom and fitted kitchen. The value to be insured should be the rebuilding value together with all items mentioned above.
Contents (New for Old) – The value of contents should represent the total cost to replace all items in your house with new ones today.
Items such as jewellery, works of art, painting and electronic equipment for which one item exceeds €2,300 must be declared and accompanied with a valuation.
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Do I have to have a safe installed ?
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If you have more than € 34940.60 jewellery, then yes. You must have a safe which should cater for the value at risk.
| What about an intruder alarm system ? |
Sometimes we may request installation of a system, however normally we just offer a discount.
If your car is insured with us you may benefit from an additional 10% discount.
Further discounts apply for shareholders of Middlesea Insurance p.l.c.
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Excesses (The amount not paid following losses listed hereunder)
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Buildings
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Contents
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Storm or Flood
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0.2% of Sum Insured
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0.2% of Sum Insured
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Riots, Strikes and Malicious Acts
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€ 34.94
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€ 34.94
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Escape of Water/Oil
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€ 34.94
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€ 34.94
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Earthquake
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1% of Total Sum Insured
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Accidental Damage (Enhanced Cover)
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€ 116.47
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€ 116.47
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Accidental Damage to any one item
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€ 34.94
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N/A
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Property in the Open
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N/A
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€ 58.23
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Temporary Removal
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N/A
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€ 58.23
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This policy is underwritten by England Insurance Agency Limited trough Middlesea Insurance plc.
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