Zurich Fire Insurance

To make your claims with Zurich Insurance 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 Zurich send you a 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 Zurich branch for processing. 

What is the Zurich Fire Insurance about?

Fire is one of the most dangerous elements known to mankind. As much as it is used to further enhance us. When uncontrolled it can be volatile. It is also a common occurrence for homes to be damaged by fire, either by a combusting gas tank, too much heat or by someone accidentally setting a fire in their backyard, by just playing with fireworks.

So protect your home against this peril and ensure that if you do suffer a loss of damage due to fire, you have something to fall back on.

What is covered under the Zurich Fire Insurance?

This covers building and contents under Zurich Fire Insurance against fire, lightning, or explosion of domestic boilers and gas used for domestic purposes, during your period of insurance. For the full terms, refer to the policy wordings.

Can I add on any coverage?

Yes of course! Since this protection plan is specific to Fire damage, you can always extend the plan beyond that threshold. For an additional premium you can choose to extend you coverage to cover all the following sections;

• Aircraft damage
• Earthquake and volcanic eruption
• Storm, tempest
• Flood
• Explosion
• Impact damage
• Bursting or overflowing of water tanks, apparatus, or pipes
• Bush / lalang fire
• Electrical installations for manufacturing risks and workshops (to cover electrical machinery, plant, or installations)
• Subsidence and landslip
• Spontaneous combustion
• Riot, strike, and malicious damage
• Damage by falling trees or branches and objects
• Cold storage / incubator
• Smoke damage
• Goods and stocks undergoing any heating or drying process
• Sprinkler leakage

Simply state your desire to have them and how much you want to insure your property for, and there you have it. More coverage.

How long am insured for?

This insurance policy is typically a yearlong plan. Which means that you need to renew the plan every year. If it at the renewal of your plan that you can make changes to your policy, and maybe add on some more coverage if you wanted.

How much premium do I have to pay?

Your premium depends on which sum insured tier your home falls under.

Most homeowners fall under RM10 million in sum insured, where Zurich charges premium rates based on the Revised Fire Tariff, in place since 1 July 2000.

Between RM10 million and RM100 million, Zurich computes your premium using a self-rating structure set by Persatuan Insurans Am Malaysia (PIAM), the general insurance association.

Sum insured above RM100 million moves into special rating territory, where PIAM's Technical Rating Committee determines your premium.

On top of your premium, you'll also pay your insurance agent's commission and a flat RM10 stamp duty.