This plan can protect your home contents irrespective of you owning or renting the property / house. It is only mandated that your home address should be as per e& bill and there should be valid ownership or rental documents proving that the place is under your name or under the name of your immediate relative. More importantly, these are required not for purchase, but to be submitted to UIC during claim process, if asked.

Scenario – Total Loss due to Fire.

In the unfortunate event of a total loss by Fire, the insurance company will request for a declaration of contents in your Home.  The maximum limit for the settlement of claims shall be AED 2Mn/-

At the time of claim, the company will ask for a declaration of items along with a proof of value for contents above AED 5,000/- .

This privilege is available only for those subscribers who opt for the AED 1 Mn or AED 2 Mn coverage values with a monthly rental of AED 200 or AED 300 respectively. It refers to the amount that the insurer is covered against the cost of damage incurred as the tenant of the property to the owner.

• Claims should be intimated immediately but not later than 30 days from the date of event.
• Claims shall be intimated through any of the designated channels provided in the terms and conditions.
• The insurance company will investigate the loss upon notification.
• Claims will be settled based on receipt of replacement invoice value for similar items.
• In the event of Total Loss of Contents, the Company shall pay up to the Sum Insured, as per plan chosen.
• All burglary claims shall be supported by a police investigation report.
• Items above AED 5,000/- must be supported by proof of value at the time of claim.
• Proof of residence (ownership/tenancy contract) is required at the time of claim.

The coverage is for contents within the residential unit and not for content in transit or outside the premise.

From time to time, e& will come out with several flavors of this plan with free or paid options. Currently there are special pricing for certain sub segment of home customers (Like Ana Emirati) etc. You will be reached directly by e& or you may call our customer care for more information.

The above information has been simplified for general comprehension. The coverage and claims will be as per the detailed product terms and conditions.