HOME CONTENTS INSURANCE
GET 10% DISCOUNT ON HOME CONTENTS INSURANCE
Protect your home contents whether you're at home or stepped out
WHY EVERYBODY NEEDS HOME CONTENTS INSURANCE
Home Contents Insurance protects the value of all the things in your home that you love, and it provides coverage for the people living there
Home Contents Insurance is for everybody living in a home, whether it is a rented or an owned property
Majority of residents in Qatar live in rented apartments or homes, which are typically insured by the landlord
What most of us are not aware of is that the contents of our home are not insured by the landlord’s insurance, nor is your maid and her liabilities
We’ve got you protected
IF YOU DAMAGE YOUR POSSESSION
We’ll cover it if you, a family member, or a guest accidentally damages or destroys your valuables and possessions
IF YOU DAMAGE OR LOSE VALUABLES OUTSIDE YOUR HOME
If your watch or jewellery is damaged or stolen outside your home, then we will cover that, too! While traveling, your home insurance will also cover specific valuables which are not covered by standard travel insurance
IF YOU NEED TO LIVE SOMEWHERE ELSE
If you’re unable to live in your home due to the damage caused by accidental fire, flood or any causes not excluded in the policy, we will cover the additional expenses for an alternative accommodation during the repairing period
Ease your mind be worry-free with QIC’s Home Contents Insurance
Our Home Contents Insurance has been designed to provide you with a feeling of security and peace of mind and covers you for damage or loss of your belongings, all at a very affordable price
We offer both building and contents insurance policies. In addition to our standard cover, we provide optional policy features, which you can add to your standard policy for a small fee. This way you can tailor the cover to suit your budget and needs
1
Basic Insurance Cover
The Basic Insurance cover starts at QR 325/- and provides cover for all your personal contents except the building value
Majority of residents in Qatar live in rented apartments or homes, which are typically insured by the landlord
This policy covers for damage due to accidental fire (caused due to smoking/short circuit)* or any other causes not excluded in the policy, water leakage (from air condition ducts/fridge/bursting of taps/water tanks), explosion of gas cylinder (full/total damage), or loss of contents due to attempted burglary/theft, provided your doors were locked during the attempt
Please refer to policy wordings for correct and detailed descriptions of covers and limits
2
INCLUSIVE COVERS
Our Basic Insurance includes an extensive range of built-in free covers to provide you with a feeling of security
Even if you purchase insurance to cover your building, you could still enjoy the benefits of the built-in additional covers. These covers apply for your building and/or personal contents.
- Home Owner’s cover
- Loss of or damage to personal contents
- Additional expense for alternate accommodation. If your home becomes uninhabitable due to accidental fire/flood/ explosion, we will compensate a certain amount to pay for another place to stay during the repairs
- Loss of or damage to domestic servant’s/driver’s property
- Visitor’s personal effects, which includes cover up to QR 2,500 when a visitor accidentally breaks your personal contents
- Cover for third party (including the landlord’s) liabilities due to property damage, bodily injury or death. We will compensate up to QR 350,000, subject to the limits of liability. This policy does not cover medical expenses
3
Buying or renewing your Home Contents Insurance
At QIC, our customers’ convenience and the quality of services we provide at the best price are of utmost importance
We understand the hassle one goes through when visiting a branch to manage insurances or make calls for subscriptions etc.
We are, therefore, proud to offer you www.qic-insured.com, where you can purchase your home insurance at the click of a button
To make it even simpler, you can download our QIC App to manage your insurances easily from your smartphone
COVERS THAT PROTECTS YOU AND YOUR BELONGINGS
Damage caused to visitor’s belongings
Loss of or damage to the belongings of your maid as well as injuries caused while working
Your liability against the landlord (e.g. if your villa has caught fire and it’s your fault, or if accidentally damage your landlord’s furniture)
Visitors accidentally damaging your possessions
Valuables damaged while with you outside your home
Personal accident benefit cover in case of serious accident
Without Home Contents Insurance, you would not be compensated for the loss or damage of your valuables if there is an attempt of theft or an accident in your home
Without the Home Contents Insurance, you would have to pay for accidental damages caused to your landlord’s furniture
Without the Home Contents Insurance, you would have to compensate your maid / her family if she dies or gets full or partial disabled while working for you
Optional cover
Every individual has different priorities, which is why we offer a wide range of covers to include options so that you can get the right cover to suit your need
Compensation for death/permanent disability (Personal Accident Benefit)
We will give you or your spouse QR 100,000 for death/ permanent total disablement and/or permanent partial disablement
Domestic servant / driver
With this cover you’re protected from paying for servants / drivers accidents in your home and any disability / death that might arise from this
All Risk Worldwide Cover
This additional personal belongings cover insures your listed personal effects whether you are inside or outside your home. Moreover, this cover is applicable while you’re in Qatar and anywhere around the world. We will cover loss of or damage to your valuables
Accidental damage to your contents
If you damage your LED TV while relocating, we will cover the cost of repairing or replacing your damaged TV at your address
Compensation for death/permanent disability (Personal Accident Benefit)
We will give you or your spouse QR 100,000 for death/ permanent total disablement and/or permanent partial disablement
Domestic servant / driver
With this cover you’re protected from paying for servants / drivers accidents in your home and any disability / death that might arise from this
All Risk Worldwide Cover
This additional personal belongings cover insures your listed personal effects whether you are inside or outside your home. Moreover, this cover is applicable while you’re in Qatar and anywhere around the world. We will cover loss of or damage to your valuables
Accidental damage to your contents
If you damage your LED TV while relocating, we will cover the cost of repairing or replacing your damaged TV at your address
Compensation for death/permanent disability (Personal Accident Benefit)
We will give you or your spouse QR 100,000 for death/ permanent total disablement and/or permanent partial disablement
Domestic servant / driver
With this cover you’re protected from paying for servants / drivers accidents in your home and any disability / death that might arise from this