With Al Dar policy, you can rest assured that you have the insurance coverage that best suits your needs. Al Dar offers you flexibility to arrange your home insurance coverage as you require.
Coverage is provided for Buildings, Contents inside the Home, Personal Accident to Domestic employees, the costs of renting an alternative home if your residence becomes suddenly uninhabitable, as well as coverage for your liabilities towards any domestic employees and the general public.
Buildings include domestic garages, outbuildings, swimming pools, terraces, patios, drives, footpaths, walls, gates, fences and hedges as long as they are used for private residential purposes.
Contents includes all household goods and appliances, personal effects, furniture, fixtures and fittings, decorations and other property of members of your family permanent residing with you. Items such as jewellery, watches, pictures, other work of art, rugs or carpets, articles of gold, silver or other precious metals, binoculars, musical, video and photographic equipment, portable computers and mobile phones may also be insured subject to specification.
v Main Covers
1. Fire, lighting explosions, earthquake and volcanic eruption
2. Strom, tempest and flood
3. Collision by aircraft, vehicles or animals
4. Escape or leakage of water from pipes, tanks and other water apparatus
5. Forcible theft or attempted theft
6. Accidental breakage of fixed glass and sanitary fixtures
7. Accidental breakage of mirrors, glasstops and fixed glass forming part of the contents.
v Additional covers - free of charge
1. Architects and Surveyors fees and debris removal BD.10,000
2. Accidental damage to underground electricity and telephone cables, water supply pipes and as pipes
3. Contents temporarily removed BD.500
4. Movable contents in your garden / drive BD.250
5. Replacement of locks following theft of keys BD.100
6. Spoilage of food in deep freezer (s) BD.250
v Optional Covers
1. Falling trees or radio and television receiving aerials including satellite dishes
2. Cost of alternative accommodation
3. Liability to public BD.100,000
4. Domestic Servants personal accident cover BD.2,500
5. Liability to the domestic servants BD.25,000
6. Tenant’s liability BD.15,000
7. Riots and strikes, malicious damage or terrorism