Kurnia Householder Plus 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 Householder Plus Insurance?

There are a few types of insurance coverage plans out there, each with different angles of protection for your property. 

Kurnia’s Householder Plus is a protection plan specifically for the contents of your home. Whatever assets that you deem are precious and valuable can be insured against perils, theft and whatnot according to your wishes.

How much coverage do I get?

Since this is a house content insurance, all personal assets such as appliances, furniture, electronics, etc. will be covered against the following perils:

• Fire, lightning, and explosion
• Earthquakes, typhoons, windstorms, and floods
• Riot, strike, and malicious damage
• Bursting or overflowing of water tanks, apparatus and pipes
• Impact from vehicles and air-crafts
• Theft
• Subsidence and landslips
• Any accidental external cause not excluded under the policy.

Is that the only kind of coverage?

Not entirely, there is an option for you to get better coverage for your valuables such as cash, jewellery, paintings, and antiques. There is a coverage sub-limit for personal effects of up to RM5,000 and a sub-limit of RM1,000 for cash.

What are the benefits of this policy?

There are a few perks that you get for free with this policy, among them is a personal liability cover of up to RM75,000. In the case, you are hit by a typhoon or some other peril and need alternative accommodations, then for 30 days after the disaster has struck, you will get a reimbursement of up to RM7,500 for your hotel expenses.

Another perk is that with this policy, up to 5 members of your immediate family will get to have complimentary Personal Accident coverage of RM10,000 per person.

How much are my premiums?

Well, your monthly commitments are usually calculated based on how much you have injured your assets for. That amount will be tabulated with GST implemented to make up your premium amount.

What are the plan exclusions?

With this protection plan being for home contents, one of the exclusions is any loss or damage to the building. Following that, loss or damages to the property due to theft will not be covered if the property is left vacant for 90 days or more.

You will also not be covered against, war, terrorism, civil war and damages caused by radioactive contamination. Check out the Policy Wording for more details.

Can I cancel my policy?

If you decide that you no longer want the policy, you can opt to cancel it by providing Kurnia Insurance with a written notice before cancellation. 

If no claims have been made throughout your policy contract before cancellation, then you will get back a percentage of your premiums paid.

Your refunded amount is based on the current policy contract at cancellation, and it will be that the longer you had the policy the smaller the refunded amount.