Automobiles & Motorcycles Special Terms :
Personal vehicles : are insured under the used household Goods category subject to the deductible and subject to the following terms:
With respect to insurance for all vehicles the following liabilities are not covered:
Scratches, marks, dents, marring, rust, oxidation, or discoloration, also permanently installed accessories in the vehicle including but not limited to radios, cassette recorders, CD players, speakers, VCR’s, and any other personnel effects shipped inside the vehicle and or its trunk area even if locked. Insurer will not be liable for any damages resulting from the loading or stacking of goods on the vehicle. No coverage shall be granted hereunder while any vehicle is being operated under its own power.
Household Goods/ Personal Effects Special terms
Valued Inventory list: All transit of household goods and/or personal effects must be accompanied by an itemized inventory list showing value per item. This valued inventory list will be required in the event of a claim.
High Valued Items: No one article (furniture, piano, households appliances, radio, tv set, video recorder, Hi-Fi equipment not included) shall be greater than five (5) percent of the total sum covered, unless specifically declared as separate item.
Percentage of Glass: It is warranted by the insured that the maximum percentage of glass, china, marble, earthenware and the like shall not exceed fifteen (15) percent of the total sum covered. Accordingly, insurer liability in this regard will be the actual repair or replacement cost but in no event more than 15 percent of the total sum insured of the transit whichever is less.
Goods must be professionally and sufficiently packed.
Warranted that itemized valued inventory to accompany transit/journey. If goods not professionally packed, coverage is changed to Total Loss following the total loss of conveyance only.
Warranted that item with more than RM 5,000.00 to be provided with Policy of Value or Purchase Invoice.
Pair and Sets Clause
Household Goods and Personal Effect Clause