Personal Insurance

Golf is a dangerous game, injuring players and passers-by. Golfing equipment is expensive and highly desirable to thieves. That’s why golfer insurance is such a good idea, protecting your finances.

What’s covered?

Golfer insurance protects you against the most common risks golf players face. Depending on the type and level of cover you need, your policy can cover all this:

• Loss, damage or theft of your own golf equipment and hired golf equipment
• Dental treatment
• Accidental damage to other people’s property
• Hospitalisation
• Reimbursement of your golf club subscription
• Public liability cover
• Local or worldwide cover
• Hole in one cover
• Personal accident cover
• Theft, loss or damage to personal possessions
• Loss of golfing trophies

The building you live in is protected by home buildings insurance, also called home owner cover. It protects your finances from large repair bills and other expenses you can’t predict, and can even pay for your home to be completely re-built.

What’s covered?

If your home is damaged by an everyday risk, your home owners insurance pays compensation to get your house, apartment or other kind of home repaired or rebuilt. Depending on the type of policy you buy for your home buildings, you will be covered for loss or damage because of:

• Fire, smoke, explosion, lightning, storm, flood and earthquake
• Subsidence, heave and landslip
• Malicious acts and vandalism
• Theft and attempted theft
• The escape of water and leaking oil
• Falling trees
• Accidental damage to underground pipes and cables
• Accidental breakage of fixed glass and sanitary ware
• The cost of tracing leaks of water or oil inside the home
• Legal liability for injury or damage to others and their property
• Accommodation costs if you have to temporarily move out

If there’s a fire, a flood, an explosion or another unpredictable disaster, your home contents could be destroyed or badly damaged. Home contents insurance protects your finances against the cost of loss and damage in all sorts of circumstances.

What’s covered?

If the contents of your home are damaged or destroyed , and it’s covered, the policy will pay to replace your possessions, usually on a ‘new for old’ basis. A good quality home contents policy protects your belongings against loss and damage from:

• Fire
• Smoke
• Explosion
• Lightning
• Earthquakes
• Storms and floods
• Malicious acts or vandalism
• Theft and attempted theft
• The escape of water
• Oil leaks
• Falling trees
• Accidental damage to computers, TVs and stereos
• Accidental damage to business equipment like computers and photocopiers
• Accidental breaking of mirrors and the glass in furniture
• Your legal liability in the home for injury to others or damage to their property
• Your legal liabilities as an individual anywhere in the world
• Your legal liability as an employer of domestic staff at home
• High risk belongings like jewellery
• Alternative accommodation costs if you have to move out temporarily
• The contents of your garden
• Replacement locks and keys to external doors if yours are stolen
• Personal money in your home
• Credit card fraud
• The contents of your freezer
• The loss of metered water
• For an additional premium, you can usually also add accidental damage to your policy, covering you for accidents that damage your belongings in the home
• For an extra premium you can usually add cover for personal possessions like watches, cameras and jewellery when outside the home

Motor insurance is a legal requirement in most places, something you can’t legally drive without. It’s essential for everyone who drives on the roads, whether on a motorbike, in a car or a larger vehicle. If something goes wrong and it’s covered, your policy will pay out to compensate you for the loss.

What’s covered?

Comprehensive car insurance gives you the best protection. Third-party only and third-party fire and theft policies only cover damage to others because of an accident that was your own fault. This is what you get with a comprehensive vehicle insurance policy:

• Cover for accidents that are your fault
• Cover when the person responsible, the one at fault, can’t be proved
• Accidental damage
• Damage caused by fire or theft
• Glass repair or replacement
• In-car equipment cover for equipment permanently fitted or supplied with the vehicle as standard
• Accessories or tools that come with the vehicle
• Replacement locks when your keys have been stolen
• Travel to and from your usual workplace
• Optional breakdown cover, courtesy car and personal accident cover

If you are injured in an accident, and it isn’t your fault, how do you get the compensation you deserve? Losing your job, being off sick for a long time, it can cost a lot of money. Personal accident insurance compensates you, covering all sorts of costs.

What’s covered?

Most personal accident policies pay out lump sums when you either die or have an injury as a result of an accident or unforeseen event. A good quality personal accident policy will pay out in these circumstances:

• Accidental death
• Permanent total disablement
• Loss of, or loss of use of, various specified body parts, for example arms or legs
• Some policies also cover permanent partial, temporary total and temporary partial disablement

Travel insurance protects your finances when you’re abroad for business or pleasure. If you’re ill or injured in another country your policy will pay for treatment, hospitalisation, and repatriation to your home country, something that will otherwise cost a fortune. Many policies include cover for covid.

What’s covered?

Travel insurance also pays out if you lose your luggage or your belongings are stolen, plus a broad range of things that sometimes go wrong while you’re travelling:

• Medical expenses
• Repatriation for medical reasons
• Covers your baggage if it is lost or stolen, damaged or destroyed
• Missed departures, covering extra accommodation and travel expenses if you miss your flight, boat or train because of a situation beyond your control
• Cancellation or curtailment – If you have to cancel or shorten your trip your extra travel and accommodation costs are covered
• Delays to your travel plans
• Abandonment – if you have to completely abandon your journey
• Personal liability
• Optional dental emergency cover
• Optional cover for your money, tickets and travellers cheques
• Lost passports
• Terrorism
• Optional cover for winter sports
• Optional cover for a range of extreme sports
• The best policies also include a 24/7 medical helpline to call if you need help or advice

We’re proud to offer you MM2H – Malaysia My Second Home. It’s an exciting migration support programme for people who want to make a great new life in Malaysia for themselves and their families.

What’s covered?

MMH2 has been created by the Malaysian Ministry of Tourism and Culture. It lets people who fit certain criteria move to Malaysia along with their loved ones. The scheme is available to people from every country recognised officially by Malaysia and applies whatever your race or religion, gender or age. If you’re accepted for the programme you can automatically bring your spouse and any unmarried children under 21 with you.

MM2H gives you everything you need to start a new life in Malaysia easily and smoothly. You’ll be given a renewable multiple-entry social visit pass for 10 years, medical cards for you and your family, plus affordable, comprehensive medical insurance:

• Guaranteed acceptance up to your 65th birthday
• No waiting period for specific illnesses and all disabilities
• A fast certificate of insurance and medical card
• No co-payment necessary
• No complicated proposal forms
• No medical tests or examinations
• Cashless admission

Plus generous benefits for:

• Hospital room and board
• Intensive care
• Surgeon, operating theatre and anaesthetist fees
• Day care surgery and daily inpatient visits
• Hospital services and supplies
• Diagnostic services and specialist fees pre-hospitalisation
• Post-hospital treatment
• Emergency accidental dental and outpatient treatment
• Ambulance charges
• Hospital administration fees
• Goods and services tax
• Emergency sickness treatment
• Medical report fee
• Lodger fees

You and your pet have a strong bond. Veterinary treatment can cost a lot of money. Pet insurance lets you give your pets the treatment they deserve for a long and happy life, covering the costs of injuries and illnesses.

What’s covered?

Some pet insurance policies offer very limited cover. Our excellent product gives you more than an ordinary pet insurance policy, perfect for micro-chipped cats and dogs, for pet owners aged 18 and over.

• Medical benefits, covering veterinary bills for illnesses and injuries
• A death benefit, which pays back the purchase price or adoption fee you paid if your pet dies through an accidental injury or illness
• Burial or cremation costs
• Advertising and marketing costs to help you recover a missing pet, plus a reward to offer
• Cattery or boarding kennel fees for your pet if you have to go into hospital for 4 days or more
• Third party liability cover in case your pet accidentally injures someone or damages their property