CIMB

Underwritten by Sun Life Malaysia Takaful Berhad

CIMB Houseowners and Householders Takaful

Ensure the protection of both house and home with this dual coverage Takaful protection plan. Cover your house and all its contents, including all your cherished personal belongings from all kinds of unknown dangers and perils.

    Get covered now with CIMB Houseowners and Householders Takaful

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    View product disclosure sheet.

    Coverage

    How much you can claim for CIMB Houseowners and Householders Takaful

    • Home Property
      The claims on your medical card cannot exceed this amount in a single policy year.
      Flexi
    • Home Contents
      Value claimable for house contents if damaged is caused by any of the events covered.
      Flexi
    • House Repairs
      For repairs to house property that are caused by events covered under this plan.
      Not Covered
    • Rent Insurance
      Landlord insurance if you cannot collect rent because the house is uninhabitable.
      Not Covered
      View more coverage details +

      Coverage Type

      Events covered under your home insurance policy

      Fire
      Lightning
      Thunderbolt
      Flood
      Subsidence & Land Slip
      Water Tanks Or Pipes
      Explosion
      Impact Cover
      Aircraft & Aerial
      Subterranean Fire
      Hurricane, Cyclone, Typhoon & Windstorm
      Earthquake or Volcano
      Theft
      Riot Strike
      BushFire
      Falling Trees & Branches

      How to Claim

      To make your claims with CIMB you will need to first notify them off the incident that caused the loss or damage you are reporting. Then you will need to compile an extensive list of documents to submit before your claims can be processed.

      You will need to make a written notice and a description of the incident for processing. Request that CIMB send you their insurance Claims Form and attach both the notice and description to the claim form. On top of that you will need the following list of documents, especially for fire related claims;

      • Police report
      • Fire brigade report
      • Chemist report (if necessary)
      • Purchase and sales invoices, for necessary items you required.
      • Quotations for repairs and replacements

      Compile all these documents along with your claim form, written notice, and a copy of your NRIC, for identification. Then either, mail, fax or deliver them to the nearest branch for processing.

      Home Insurance Claim Hotline
       +60362047788

      Requirements

      Am I eligible to apply for this insurance?

      Frequently Asked Questions about CIMB Houseowners and Householders Takaful

      Things you might want to know

      Rain or shine, your house and personal belongings deserve adequate protection against untoward incidences that could be detrimental to your money and savings!

      What is CIMB Houseowners and Householders Takaful about?

      CIMB Houseowners and Householders Takaful is a Shariah compliant home insurance plan based on the Wakalah contract, underwritten by Sun Life Malaysia Takaful Berhad, for your home protection needs.

      Divided into 3 Sections: Home, Contents and Other Contingencies, this Islamic home insurance provides a complete coverage for your buildings and the contents within.

      What are the key covers of CIMB Houseowners and Householders Takaful?

      You will be indemnified for loss and damage occurred to your house and its contents due to named perils, ranging from natural disasters to freak accidents and theft. You can find out more on the product disclosure sheet.

      The duration for this home Takaful policy is 1 year and it is renewable.

      How much premium do I have to pay?

      Your total home Takaful contribution will depend on the sum insured, construction class of the property and additional covers.

      The total home Takaful contribution is also subject to a Wakalah Fee of 70% of annual contribution, which is inclusive of the 15% commission paid to the Takaful agent.

      In addition, you will also need to pay for a Stamp Duty of RM10 and a 6% GST, where applicable. The premium charged follows the standard minimum rate in accordance with the Malaysia Fire Insurance Tariff.

      How much should I insure my home and valuable contents?

      The rules of thumb to purchasing the right home Takaful plan is knowing the appropriate amount to insure your house and personal belongings. It is worth noting that you should always cover your house based on the market value of your property at the time of loss and damage.

      In other words, your total sum insured should correspond to the cost of rebuilding of your house and replacing its contents. You may also select to insure your property based on the Market Value (equivalent to the depreciated value of lost / damaged items) or Reinstatement Value basis.

      Always check with your Takaful agent regarding this matter to avoid being underinsured or paying too much.

      Can I cancel my home Takaful policy?

      Yes, you may cancel your home Takaful policy. However, prior to cancellation, you should notify Sun Life Malaysia Takaful Berhad by way of a written notice. Upon cancellation, you will receive a partial refund of the premium provided of which you have not made any claim during the coverage period.

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