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Burglary Policy Document

TABLE OF CONTENTS<br />

NOTICE

For Non - Consumer Insurance Contracts (Insurance for purposes related to the Insured’s trade, business or profession) 

This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in the Insured’s Proposal Form (or when the Insured applied for this insurance) and any other disclosures made by the Insured between the time of submission of the Insured’s Proposal Form (or when the Insured applied for this insurance) and the time this contract is entered into. The answers and any other disclosures given by the Insured shall form part of this contract of insurance between the Insured and Pacific & Orient Insurance Co. Berhad (hereinafter called “the Company”). In the event of any pre-contractual misrepresentation made in relation to the Insured’s answers or in any disclosures made by the Insured, it may result in avoidance of the Insured’s contract of insurance, refusal or reduction of the Insured’s claim(s), change of terms or termination of the Insured’s contract of insurance. This Policy reflects the terms and conditions of the contract of insurance as agreed between the Insured and the Company.

WHEREAS the Insured named in the Schedule hereto has made to PACIFIC & ORIENT INSURANCE CO. BERHAD (hereinafter called “the Company” a Proposal and Declaration which shall be the basis of this Contract and which is deemed to be incorporated herein and has paid or agreed to pay the Premium stated in the aforesaid Schedule as consideration for the Indemnity hereinafter contained.)

NOW THIS POLICY WITNESSETH that if at any time during the Period of Insurance stated in the Schedule hereto or during any further Period for which the Company may accept payment for the renewal or of the Policy:

a) The Property Insured or any part thereof described and included in the Schedule hereto whilst contained in the Premises described in the said Schedule shall be lost:-

  • By Theft consequent upon actual forcible and violent entry upon the said Premises or committed by any person or persons (other than employees) feloniously concealed thereon, or
  • In the case of Private Residences and/or Residential Flats only, by being wrongfully taken or carried away from the Premises with felonious intent.

b) There shall arise any damage to the said Property Insured or to the Premises, failing to be borne by the Insured, due to any such theft as aforesaid or any attempt thereat:

THE COMPANY WILL PAY OR MAKE GOOD TO THE INSURED:-

a) Such loss to the extent of the market value at time of the loss (not including profit of any kind) and/or b) The net cost of repairing such damage.

But not exceeding in respect of any one item specified in the Schedule the Sum Insured thereon nor in respect of damage to the Premises five per cent of the Total Sum Insured nor in the whole during any one Period of Insurance such Total Sum Insured.

PROVIDED ALWAYS that the Premises mentioned in the Schedule shall not include any yard, garden, outbuildings, or other appurtenances unless specifically included in the Schedule hereto.

EXCEPTIONS

The Company shall not be liable in respect of:-

1. Loss or damage due to any such theft as aforesaid or to any attempt thereat by any of Insured’s family, business staff or domestic servants, or any person lawfully on the Premises except as provided for in Section A (2) above.

2. Loss or damage directly or indirectly occasioned by happening through or in consequence of war, invasion, act foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, strike, riot, civil commotion, military or usurped power, or confiscation or destruction by order of any Government of Public Authority or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences of any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim.

3. Loss of or damage to medals, coins, curiosities, sculptures, manuscripts, rare books, plans, patterns, models, moulds, designs, deeds bond, bills of exchange, promissory notes, money, securities for money, stamps, documents of title or business books unless specifically included in the Schedule.

4. Loss or damage arising whilst the Premises are unoccupied for a period exceeding 30 consecutive days or are occupied otherwise than as stated in the Schedule, unless the written consent of the Company shall have previously been obtained and any additional premium required by the Company has been paid.