Household Contents Shield Takaful
Shielding your home from uncertainties.
The Household Contents Shield Takaful provides coverage for your contents of private dwelling houses and flats and residents’ property in hotels, residential clubs and boarding houses solely for residential purposes.
Extension to Loss of or Damage to the Contents
a. Property Temporarily Removed
b. Compensation for Death of the Participant : RM10,000 or one half of the total sum covered on Contents whichever is the less
c. Servants’ Property
d. Liability to the Public: RM50,000 any one accident or series of accidents constituting one occurrence
e. Damage to External Home Locks and Keys
This certificate covers loss or damage to your contents caused by any of the under mentioned perils :-
- fire, lightning, thunderbolt, subterranean fire
- explosion
- aircraft and other aerial devices and/or articles dropped therefrom
- impact with any of the buildings by any road vehicles or animals not belonging to or under the control of the participant or any members of his family
- bursting or overflowing of domestic water tanks, apparatus or pipes
- theft but only if accompanied by actual forcible and violent breaking into or out of a building or attempt thereat
- hurricane, cyclone, typhoon, windstorm
- earthquake, volcanic eruption
- flood
- riot strike and malicious damage (RSMD)
Subject to exclusions and excesses mentioned in the certificate.
You may opt to make for an additional contribution to extend the cover on the followings :-(a) Subsidence and landslip
(b) Accidental breakage of mirrors, plate glass and fixed glass
Duration of cover is for one year. You need to renew your Takaful cover annually.
| Sum Covered (RM) | Standard Cover (Inclusive of RSMD & Damage to External Home Locks) | Standard Cover + Subsidence & Landslip + Glass Breakage |
| Annual Contribution (RM) | ||
| 20,000 | 89.04 | 114.48 |
| 25,000 | 111.30 | 143.10 |
| 30,000 | 133.56 | 171.72 |
| 35,000 | 155.82 | 200.34 |
| 40,000 | 178.08 | 228.96 |
| 45,000 | 200.34 | 257.58 |
| 50,000 | 222.60 | 286.20 |
| 55,000 | 244.86 | 314.82 |
| 60,000 | 267.12 | 343.44 |
| 65,000 | 289.38 | 372.06 |
For sum covered of RM70,000 and up to RM150,000 above, the calculation of the contribution in multiples of RM5,000 is shown below :-
| Sum Covered (RM) | Standard Cover (Inclusive of RSMD & Damage to External Home Locks) | Standard Cover + Subsidence & Landslip + Glass Breakage |
| Contribution (RM) | ||
| 5,000 | 22.26 | 28.62 |
- Formula of Calculation : Sum Covered x (contribution per RM5,000) / 5,000
- Sample of Calculation (Standard Cover) : 75,000 x 22.26 / 5,000 = RM333.90
Snippet
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