Category Archives: H – Kerugian

High risk items

Items containing precious metals or precious stones, jewellery, watches, furs, curios, works of art, stamp or coin collections and musical instruments


The total area of the plot described in the title deeds, including the private residence and outbuildings used for domestic purposes at the address shown on the schedule. If the insured lives in a black of flats or maisonetles, home includes the shared parts for which, under the terms of their lease, they are responsible and must replace or repair


The ‘Home’ would be defined as the house together with its garages and outbuildings all used for business purposes


All members of the insured’s family and any other people (but not boarders, lodgers, paying guests or tenants) who permanently live with them in their home

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