The period of this Home content insurance policy will be from the Effective date to the end of calendar month only during the first month, and then the cover will be provided for the respective full calendar months if the premium has been renewed/ paid by the policyholder from 2nd month onwards.
The Policyholder should be an active Etisalat customer and the address of the premise insured should be the registered address with Etisalat, as provided on the Monthly eLife Bill. This should be presented during claim settlement process.
Home Protection is a contract between the Policyholder and Union Insurance. Etisalat shall not be responsible and liable for any actions or decisions of Union Insurance Company.
Claims settlement shall be on First Loss basis, no Average clause will apply.
Items above AED 5,000/- has to be supported by proof of value at the time of claim.
The Policyholder should be the owner or should have an active tenancy contract in his/her name or an immediate family member’s name or should be the owner in respect of the Premises insured.
The Policyholder should inform the Union Insurance Company (UIC) in case the Premises insured is unoccupied for more than 60 days.
In case the Policyholder is having another insurance covering the same loss, UIC shall contribute a rate- able proportion of not more than 50% of the amount which is otherwise payable under this policy.
UIC has the right to investigate the loss/damage, in case of a claim.
All required clarifications, operational requirements, claims, settlement process and disputes should be handled directly between the policyholder and the insurance company where Etisalat will in no way participate.
For complete terms, conditions and exclusions, please refer to the terms and conditions document provided on UIC’s website (www.unioninsurance.ae)