Kurnia Fire Insurance

There are several things you need to take note of in order to successfully make a claim with Kurnia Insurance. 

Firstly, remember to notify the insurance company at the earliest possible moment of an incident that warrants a claim. Download or have Kurnia email you a claim form to fill in. Print this form and attach it to any necessary identification documents and reports that you may or may not collect in the process of putting your home back in order.

Some of the general documents that you need are:

• Your NRIC copies for identification
• Copy of your Home Grant
• Copy of your Insurance Agreement
• Photo evidence of the damage caused
• Witness Statements to corroborate the incident
• and a Written description of the incident that occurred. 

Once you have all of these together, simply pack it up and send it on to Kurnia Insurance to activate your claims and funds to begin rebuilding your life.

What is the Kurnia Fire Insurance?

Fire is one of the more destructive and more volatile elements discovered by human beings, but it is also one of the most necessary in every life cycle. However, it is better to be safe than sorry. 

Therefore, protecting your home and loved ones against the perils of fire, even with just a financial barrier, is always a good idea.

With Kurnia Fire Insurance, you get to cover your premises against not only fire but its related perils as well.

What coverage do I get with this plan?

This insurance plan will cover to varying extents your premises, furniture and personal effects depending on your preferred coverage amounts. 

Whatever they are, you will have coverage for damage by fire and lightning. Damages by domestic boilers or gas cylinders, as long as it is in a domestic capacity and smoke damage caused by fire.

You will also get coverage for damages made by water or other extinguishing agents used to put out the fire. Read the Product Disclosure Sheet for more details.

What about optional coverage?

Yes, of course, you get to extend your protection somewhat with a little extra premium contribution. On the list of extended coverage is a cover for riots, strikes and malicious damage, which would be a useful cover, if you live in an area prone to demonstrations and civil commotions.

You can also pick up coverage for impact damage, aircraft damage, explosions and spontaneous combustion. This will come in handy if you live in an apartment building, or have a home near military training camps, large electrical plans and such. With increased chances of falling victim to some of this damage, you should always take extra precautions.

Lastly, since this protection plan is limited to fire, and fire-related damage as its primary priority, you can pick up additional coverage for floods, storms, tempests, earthquakes, volcanic eruptions, and damages by falling trees, branches and debris.

Are there any fees and charges?

There are in fact a few notable fees and charges that you might want to take note of. The first is that a general GST will be charged on all your premiums.

Next, there is a 15% Agents Commission that is paid to the insurance agent that handles your policy wordings, it will be included in the first payments so you won’t have to worry about forking out additional funds. Other than that, there's also an RM10 Stamp Duty.

Can I cancel my policy?

It would be up to you if you wanted to cancel your policy and when. Simply present a written notice to Kurnia Insurance before your cancellation. 

If you have made no claims and have kept up with the policy for at least 3 years, then you will be refunded a portion of your premiums paid.