Expatriates Home Insurances Terms

Buildings insurance

If you selected Buildings insurance, and chose the ‘Standard cover’ option the following coverage will apply: For a full list of exclusions please refer to the Policy Wording.

Significant features and benefits

Your home is covered against damage caused by the following perils:

Fire, smoke, lightning, explosion or earthquake, storm, flood, freezing of water in any part of the plumbing installation, fixed water or fixed heating systems, subsidence, escape of water/oil (including the costs you incur in locating the source of the damage up to €5000 and replacing damaged waterpipes up to €1000), theft, impact, malicious damage, vandalism and other similar causes. In addition we will cover your home and garden for the cost of emergency entry.

Significant exclusions or limitations

Loss or damage by any gradual deterioration is excluded .
Loss or damage caused to the plumbing installation, fixed water or water heating systems by freezing which are directly exposed to the outside or located in an outbuilding is excluded.
Loss, damage or theft that is not reported to the police within seven days of discovering the loss, damage or theft is excluded.
Loss or damage caused by sulphate reacting with any materials from which your home is built is excluded.
Loss or damage caused by any employee, guest or tenant, or by you or any member of your family is excluded.
Loss or damage caused to boundary and garden walls, gates, hedges, fences, footpaths, patios, terraces, drives, carports, tennis courts, swimming pools, hot tubs, greenhouses, garden ponds, statues and fountains which are permanently fixed into the ground is not covered unless your home is damaged by the same cause and at the same time, is excluded.
Damage that is caused by animals belonging to you or any member of your family is excluded.

Standard Accidental Damage

Covers the accidental damage of windows, ceramic hobs and sanitary ware that are fixed and form part of your home and any cables, underground pipes and drains which provide services to and from your home for which you and your family are legally responsible.

Significant exclusions or limitations

Loss or damage by felling or lopping trees is excluded.
Loss or damage caused by scratching or wear and tear is excluded.
Loss or damage caused by de-lamination (separation of layers) of pitch fibre pipes is excluded.
Loss or damage caused to pitch fibre pipes as a result of pressure applied to them by the weight of soil or covering materials is excluded.
Loss or damage caused by or from demolition, structural alterations or structural repairs to your home, or any groundwork, excavation, faulty workmanship or the use of faulty materials is excluded.
The cost of replacing any undamaged items that form part of a pair or set is excluded.
The replacement cost of any part of the item other than the broken glass is excluded.

Liability as the property owner

Up to €400,000 plus defence costs previously agreed in writing for any one event in respect of third party property damage or personal injury.

Significant exclusions or limitations

Any injury, death, disease or illness to you or your family is excluded.
Any business, profession or trade involving you or your family is excluded.
Any deliberate act by you or your family is excluded.

Under the buildings insurance, you may also add “Accidental Damage Cover” for an additional premium, and the following coverage will apply.

Accidental damage

In addition to standard cover shown above, this option provides extra protection against damage caused suddenly, which is both unexpected and not deliberate in nature.

Significant exclusions or limitations

Loss or damage caused by water entering your home, other than by storm or flood is excluded.
Loss or damage caused by insects, parasites, vermin, fungus or mildew is excluded.
Loss or damage caused by or from demolition, structural alterations or structural repairs to your home, or any groundwork, excavation, faulty workmanship or the use of faulty materials is excluded.
Loss or damage caused by animals or pets owned by you or owned by any member of your family is excluded.
Loss or damage caused by scratching or denting is excluded.
Loss or damage caused by any process of alteration, repair, maintenance, cleaning, restoration, dismantling, renovation, redecoration or breakdown is excluded.
Loss or damage caused by any deliberate act by you or any member of your family is excluded.

Contents Insurance

If you selected Contents insurance, and chose the “standard Cover” option the following option will apply:

For a full list of exclusions please refer to the Policy Wording.

Significant features and benefits

Your contents are covered new for old in your home against loss or damage caused by any one of the following perils: fire, smoke, lightning, explosion or earthquake, storm, flood, theft, escape of water/oil, impact, malicious damage, vandalism and other similar causes.

In addition rent and alternative accommodation if your home is made uninhabitable is covered for up to 10% of the contents sum insured for any causes insured under contents cover.

Significant exclusions or limitations

The most we will pay is €3,000 for contents in any garage or outbuildings in any period of insurance.
Loss or damage caused to the plumbing installation, fixed water or fixed heating systems or to any domestic appliance which the water, oil or liquid petroleum gas escapes from is excluded.
Loss, damage or theft that is not reported to the police within seven days of discovery is excluded.
Loss or damage caused by any employee, guest or tenant or by you or any member of your family is excluded.
For items of clothing and household linen a deduction may be made for wear and tear.

Standard Accidental Damage

Covers accidental damage to audio, computer, television and video Equipment, DVD players, digital boxes, games consoles and personal computers along with any aerials, satellite dishes fixed to your building in your home, and also glass in furniture, mirrors and ceramic tops to cookers that are not built in.

Significant exclusions or limitations

Loss or damage caused while your home is lent, let, sub-let or shared with anyone other than your family is excluded.
Loss or damage caused by animals or pets is excluded.
Loss or damage to video cameras, digital cameras, digital imaging or recording equipment designed to be hand-held or portable is excluded.
Loss or damage to musical instruments, records, tapes, discs, CDs, DVDs, computer games, software, laptops, hand-held games consoles, portable audio equipment or mobile phones is excluded.
Loss or damage caused by computer viruses is excluded.
Loss or damage caused by scratching or denting is excluded.
Loss or damage caused by light, climatic conditions, atmospheric conditions or by any process of cleaning, maintaining, adjusting, repairing or taking apart is excluded.
Loss or damage to glass in pictures and clocks is excluded.
The replacement cost of any part of the furniture, mirrors and ceramic tops to cookers other than broken glass is excluded.
Loss or damage caused by mechanical, electrical or electronic fault, failure or breakdown is excluded.

Business equipment

Covers items of business equipment i.e. personal computers, printers, monitors, fax machines and other office equipment.

Significant exclusions or limitations

Any loss or damage in any period of insurance exceeding €5,000 for business equipment is excluded.
Loss or damage to business stock is excluded.
Loss or damage to business money or credit cards is excluded.

Locks and keys

Covers the cost of repairing, replacing or installing new locks in your home where keys have been lost or stolen up to €500.

Significant exclusions or limitations

Loss or theft of keys not reported to the police within seven days of discovering the loss or theft is excluded.
Loss or damage caused while your home is lent, let, sub-let or shared with anyone other than your family is excluded.
Loss or damage caused by mechanical, electrical or electronic fault, failure or breakdown is excluded.
If you insure both your buildings and contents under this policy and make a claim for locks and keys, we will only make one payment under either your buildings or contents section of cover.
It is not possible to make a claim under both buildings and contents cover for the same incident .

High risk items

E.g. jewellery, art, collections, etc. See Policy wording for full definition.

Significant exclusions or limitations

Cover is limited to €3,000 for any high risk items not specified on the Policy Schedule.
The most we will pay for high risk items is one third (1/3rd) of the total contents sum insured in any period of insurance.

Freezer food

Covers contents of the freezer up to a limit of €500.

Significant exclusions or limitations

Loss or damage caused by the deliberate act of any electricity supplier or gas supplier is excluded.

Personal oney and Credit Cards

Cover is limited to €500 for money and €1,000 for credit cards in any period of insurance.

Significant exclusions or limitations

Loss due to a mistake, neglect or loss of value is excluded.
Losses you or your family do not report to the police within seven days after the discovery of loss or theft is excluded.
Loss of credit cards which you or your family do not report to the company who issued them immediately on discovery or as soon as their office hours allow is excluded.

Liability as the occupier of the property

Covers up to €400,000 for any one event in respect of third part property damage or personal injury.

Significant exclusions or limitations

Any injury, death, disease or illness to you or your family is excluded.
Any contagious disease or virus passed on by you or any member of your family is excluded.
Any business, profession or trade involving you or your family is excluded.
Any deliberate act by you or your family is excluded.

Liability as a tenant

Covers up to 10% of the contents sum insured in any period of insurance against perils 1 – 9 of the policy (Refer to Policy wording).

Significant exclusions or limitations

Loss or damage while your home is unoccupied or unfurnished is excluded.
Loss or damage to any property which you own is excluded.

Liability to domestic employees

According to the provisions of the law 1989 as modified.

Significant exclusions or limitations

Death of or injuring a domestic employee whilst passenger in a motor vehicle is excluded.

Various other covers such as:

Contents in the open, moving house, Christmas and weddings gifts, fatal injury benefit.

Significant exclusions or limitations

Please refer to your policy wording

Under the Contents insurance, you may also add “Accidental Damage Cover” for an additional premium, which covers:

Accidental Damage

In addition to standard cover shown above, this option provides extra protection against damage caused suddenly, which is both unexpected and not deliberate in nature.

Significant exclusions or limitations

Loss or damage specifically excluded under “Section 2 – Contents Insurance” or elsewhere in the policy is excluded.
Loss or damage caused by mechanical, electrical or electronic fault, failure or breakdown is excluded.
Loss or damage caused by contents being confiscated or held legally by officials or the authorities is excluded.
Loss or damage caused by animals or pets owned by you or your family is excluded.
Loss or damage caused by scratching or denting is excluded.
Loss or damage caused by any process of dyeing, washing, cleaning, restoring, reproofing, adjusting, maintaining or repairing is excluded.
Loss or damage to clothing, including furs is excluded.
Loss or damage caused by the deterioration of food is excluded.
Loss or damage caused by any deliberate act by you or any member of your family is excluded.

Optional extensions

Personal Possessions:

Unspecified Personal Possessions

Covers your possessions against damage, theft or loss while away from the home in Cyprus and worldwide for up to 60 days, and to a limit of €3,000 per item. Specified Personal Possessions Covers items specified on the Policy Schedule against damage, theft or loss while away from the home in Cyprus and worldwide for up to 60 days.(Any personal possessions worth more than €3,000 must be specified on the Policy Schedule.)

Significant exclusions or limitations

Loss or theft you do not report to the police within seven days of discovering the loss or theft is excluded.
Loss, theft or damage caused while your home is lent, let, sub-let or shared with anyone other than your family, unless there is evidence of forcible and violent entry to or exit from your home is excluded.
Loss, theft or damage caused while your home is used to receive visitors or paying guests in connection with your trade, profession or business is excluded.
Any loss, theft or damage for individual specified personal possessions that are over the value noted on your schedule is excluded.
Any loss, theft or damage for any event that is over the value shown on your schedule for unspecified personal possessions is excluded.
Loss, theft or damage to goods or property you or any member of your family own or use at any time for trade, professional or business purposes is excluded.
Loss by deception unless the only deception is used to gain entry to your home is excluded.
Loss or damage caused by water entering your home, other than by storm or flood is excluded.
Loss or damage caused by mechanical, electrical or electronic fault, failure, breakdown, or wear and tear is excluded.
Loss or damage caused by animals or pets owned by you or owned by any member of your family is excluded.
Loss or damage caused by scratching, denting or chipping is excluded.
Loss or damage caused by moth, vermin, parasite, woodworm, insect, wet or dry rot, fungus, frost, light, climatic and atmospheric conditions, rusting, corrosion and shrinkage is excluded.
Loss or damage caused by any process of dyeing, washing, cleaning, restoring reproofing, adjusting, maintaining or repairing is excluded.
Loss, theft or damage to reeds, strings or skins of musical instruments is excluded.
Loss, theft or damage to musical instruments while in use is excluded.
Loss, theft or damage to guns where the damage is caused by bursting or rusting is excluded.
Loss, theft or damage to sports equipment when it is being used is excluded
Loss, theft or damage to pedal cycles is excluded under the specified and unspecified personal possession sections of the cover.
Loss, theft or damage caused by theft from an unattended motor vehicle is excluded unless at the time of the loss: (i) Someone age 16 or over was in charge of the motor vehicle; or (ii) The motor vehicle was securely locked; and (iii) There is evidence that force and violence were used to get into the motor vehicle; and (iv)
The personal possessions stolen were securely locked and out of sight in a glove compartment, luggage boot or concealed luggage compartment.
Any amount over €1,000 for theft or attempted theft from any unattended vehicle is excluded.
Loss or theft you do not report to the police within seven days of discovering the loss or theft is excluded.

Personal legal liability

Covers up to €400,000 for any one event in respect of third party property damage or personal injury.

Significant exclusions or limitations

Any injury, death, disease or illness to you or your family is excluded.
Any business, profession or trade involving you or your family is excluded.
Any deliberate act by you or your family is excluded.
Any physical property which is owned by your family, or which is the legal responsibility of your family is excluded.
Any liability from hunting or racing of any kind except on foot is excluded.
Any liability arising from playing or practicing golf is excluded.
Any liability arising from owning, possessing or using animals other than horses or domestic pets is excluded.

Pedal cycles

Covers loss, theft or damage to Pedal Cycles in Cyprus, or up to 60 days worldwide, that are owned by you or a member of your family up to a limit of €200 for each unspecified pedal cycle and a maximum of €400 in any one period of insurance. (Any pedal cycles worth over €200 should be specified on your schedule).

Significant exclusions or limitations

Loss, theft or damage to any unattended pedal cycle not secured with a suitable locking device to a permanent fixture, or locked in a building at the time of the loss is excluded.
Loss, theft or damage when any pedal cycle has been outside of the
Cyprus for a total of more than 60 days in any period of insurance is excluded.
Loss, theft or damage to pedal cycles while being used for racing, pace making or trials is excluded.
Loss, theft or damage to wheels, saddles and accessories unless the pedal cycle is lost, stolen or damaged at the same time is excluded.
Loss or damage caused to pedal tires by cuts, bursts or punctures is excluded.
Loss or damage caused by:
scratching, denting or chipping
mechanical failure
any process of washing, cleaning, restoring, adjusting, repairing or misuse is excluded

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