HomEasy Insurance

SICOM HomEasy Insurance offers a range of options and is specially designed to protect your home, your assets and your family. With SICOM HomEasy Insurance, you will get comprehensive coverage for your home and contents against a wide range of risks.

Features

 

Under the policy, you will be covered for the following:

 

Building

  • Residential building Including fixtures and fittings, surrounding walls, gates and fences and externally-fixed structures such as aerials, solar water heaters, water tanks
  • Outbuildings such as garage and shed, and other outdoor property such as swimming pool to be specifically declared if forming part of insured property etc

 

Content

  • Furniture
  • Household goods and equipment including domestic electrical appliances
  • Personal effects
  • Other household items

 

Specific Items (optional)

  • Covers specified items on ‘All Risks’ basis
  • Excludes mobile phones
  • Detailed list of items required

 

Personal liability/Tenant’s liability (optional)

  • Personal liability of household members and liability as tenant
  • Limit any one occurrence and for the period: Rs 1 million

 

Employer’s liability (optional)

  • Legal liability in respect of domestic staff
  • Limit any one occurrence and for the period: Rs 1 million

 

Personal Accident (optional)

  • Benefits to members of household following bodily injury by accident: Death, Permanent Total Disablement(PTD), Permanent Partial Disablement(PPD), Medical Expenses

 

Sum Insured

Death

Rs 250,000 for persons aged 18 and above
Rs 125,000 for persons aged below 18 years

Permanent Total Disablement (PTD) Rs 250,000/Rs 125,000
Permanent Partial Disablement (PPD) % of Rs 250,000/Rs 125,000 as per our scale of disabilities
Medical Expenses Rs 10,000 per claim subject to excess of Rs 250
   
(Terms and conditions apply)

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This product is offered by
SICOM General Insurance Ltd (BRN: C10094766)

Useful info

  • Benefits

  •  Cover for accidental damage  to contents

 

  • Third party Liability and Personal liability of household members up to Rs1million, anywhere in Mauritius

 

  • Benefits to members of household following bodily injury anywhere in Mauritius on 24/7 basis

 

  • The policyholder [Provided he/she is employed and is aged not more than 60 years] benefits from a free life assurance cover for a sum Assured of Rs100,000 if the HomEasy premium is at least Rs 5,000

 

  • Alternative accommodation and rent expenses if house cannot be lived in as a result of loss or damage

 

  • Discount on premium if house is equipped with burglar alarm

 

  • All Risks cover on high-value items

 

  • Cover extensions at no additional premium 

 

  • Liability towards domestic staff 

 

 

  • Eligibility

All householders, either owners or tenants

  • Required documents

  • Completed, signed and dated Proposal Form
  • National Identity Card
  • Recent Utility Bill (not more than 3 months old)
  • Tips - Protecting your home

Preventive measures against Fire

  • Always disconnect power plug from the socket when electronic equipment is not being used. This protects against surges particularly from lightning and over-voltage

 

  • Never leave equipment on standby mode for a long period of time if unused. This protects the power supply form overheating and damage

 

  • The use of multi-plugs must be avoided and permanently installed sockets must be used instead. This protects against surges and overheating of conductors due to loose contact

 

  • Always remain in the kitchen when you are frying, grilling or cooking food. Always remember to turn off the stove, even if you leave the room temporarily

 

  • Keep anything that can catch fire away from your stove, e.g potholders, oven mitts, wooden utensils, paper or plastic bags, food packaging, towels and curtains etc

 

  • Always wear close-fitting clothing and well rolled sleeves when cooking. Loose clothing can sway onto the stove and easily catch fire

 

  • Always try to plug microwave ovens and other cooking appliances directly into a socket. Never use an extension cord for a cooking appliance; it can overload the circuit and cause a fire

 

  • If a fire starts in your microwave, turn the appliance off immediately and keep the door closed. Never open the door until the fire is completely out. Unplug the appliance if you can safely reach the outlet

 

  • If a fire occurs, make sure no one else is inside the house and get out. When you leave, close the door behind you to help contain the fire. Immediately, call the Fire Services on 115

Preventive measures against break-ins

  • Always double-check that the doors and windows are locked at night

 

  • Valuables and electronics like laptops, electronic appliances, cameras and mobile phones should be kept out of clear sight when you are at work and at night

 

  • If you will be away for a long period of time, make your house look like someone's in it by setting your lights, television and radio on a timer and make sure that your neighbours are aware that you will away 

Need more help?

Call Us on:

203 8451

Mail Us at:

sicomgin@sicom.intnet.mu