Covers you against attack to your house by burglars/thieves.
Pay back cost of items stolen from your house by burglars/thieves such as:- Electronics, furniture, fittings, clothing, jewelry and others specified
Pay for your belongings stolen by burglar/thieves when you temporarily reside in hotel, other private residence and club within Nigeria provided you don’t reside there in excess of 90 day in 1 year period of insurance.
Pay when property/belonging of your visitor is stolen by burglars/thieves.
Pay to fix doors damaged by burglars/thieves either to gain entry or exist from premises
Whereas the Insured described in the schedule by a proposal and declaration which shall be the basis of this Contract and is deemed to be incorporated herein has applied to the NICON INSURANCE PLC (hereinafter called “the Company”) for the insurance hereinafter contained and has paid or agreed to pay the premium mentioned in the schedule as consideration for such insurance.
Now this Policy Witnesseth that if during the period of Insurance or during any subsequent period in respect of which the Insured shall pay and the corporation shall agreed to accept a renewal premium.
(1). Any of the Property described in the Schedule and belonging to the Insured
or to such of the Insured’s family and domestic servants as permanently reside in the premises described in the Schedule (which premises shall not include any garden verandah yard outbuilding or other building not communicating with the main building) shall be lost or damaged by theft consequent upon actual forcible and violent entry of the premises containing the Insured property, while the said property is:
(a) In the private dwelling house mentioned in the Schedule hereto while actually inhabited by the Insured or the Insured’s family or by any servant of the Insured.
(b) In the private dwelling house while temporarily uninhabited for periods not exceeding in the aggregate ninety days in the period of Insurance.
(c) In any other dwelling house or in any inn hotel boarding house lodging house or residential club of massive construction within the Geographical area mentioned in the Schedule where the Insured may be temporarily residing provided that such temporary residence shall not exceed ninety days in the Period of Insurance.
(d) In any Safe Deposit or Bank within the Geographical Area where the Insured may remove for safe custody the property or any part thereof.
(2) Any damage for which the Insured shall be liable shall be caused to the premises mentioned in the Schedule hereto as the result of theft consequent upon actual forcible and violent entry or any attempt thereat.
The Company shall (subject to the Terms Exceptions and Conditions herein or endorsed hereon) pay to the Insured the amount of such loss or damage up to the sum Insured but not exceeding in the aggregate the Total Sum Insured in any period of Insurance or the Company may at its option reinstate such property or damage.
The Policy and the schedule shall be read together and any word or expression to which a specific meaning has been attached in any of this Policy or of the schedule shall bear such meaning wherever it may appear.