Property Insurance Dubai

Policy Overview

Specialist overseas property insurance.

Cover includes:

• Fire/smoke

• Aircraft/impact

• Storms/floods

• Earthquake excluding Italy and Greece

• Malicious damage excluding tenants

• Glass and sanitary fittings

• Burst pipes/oil leaks

• Theft and attempted theft

• Riot/civil commotion

• Falling trees

• Trace and access

• Cash in meters

• Loss of hiring charges

• Loss/theft of keys

• Freezer contents

• Pedal cycles

• Garden furniture

• Subsidence in Spain

Benefits

• Accidental damage whilst property is occupied by the insured or family is available at extra cost.

• Wide unoccupancy wording including cover for theft and malicious damage when the property is unoccupied.

• 24 Hour Helpline and Legal Advice.

• Low policy excess from £50.

• Emergency travel costs automatically included free of charge. This extension provides cover for the additional costs incurred for the insured plus companion, to visit the property in the event of a major claim.

Also provided:

• All policies are issued in English and all claims are handled by Intasure overseas property specialists in the UK.

• 24 hour, 365 days a year emergency claims Helpline - we can appoint bilingual loss adjusters quickly. It even operates on Christmas Day!

• Overseas taxes paid.

The above cover relates to the Intasure policy. Full details of policy cover, limits, exclusions and standard excesses you will be required to pay in the event of a claim can be found in the policy wording. A copy can be sent to you on request.

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Frequently Asked Questions

We have listed below a number of the questions that are often raised when a property is being insured by Intasure.

Q Can we arrange immediate cover?

A Yes! We are happy to hold cover over the phone for a period of 21 days during which time the fully completed proposal and payment of premium will be required. Remember if you have any queries in relation to the completion of the proposal then the Sales Team will be happy to assist.

Q Does the policy provide public liability?

A Yes! Our policy automatically provides public liability cover up to £5 million.

Q How much should I insure my property for?

A For your Buildings you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls in addition to solicitor’s and surveyor’s fees and demolition costs. With your Contents you need to consider all household goods and personal property within your property and how much you would have to pay to replace them as new. We do make a deduction for wear and tear for clothing and linen.

Q What does “New for old” mean?

A This means that the item referred to will be replaced for its current value without a deduction for wear, tear or betterment.

Q Do I need to specify any valuables?

A We would recommend that you check your main household policy to see if it covers items outside of your permanent residence. This cover is often referred to as all risks. If you keep any items permanently in the property and they exceed the single article limit then we will need to specify them on the policy schedule.

Q Do I have cover away from my home?

A Our policy provides cover for your contents whilst within the confines of your property, as above we would recommend that you speak to the insurers of your main residence for cover away from the property in respect of valuables and personal effects.

Q Do I have accidental damage cover?

A This cover is available at an extra premium. Cover then applies whilst the property is occupied by the insured and family members. Accidental damage cover is given to both Buildings and Contents.

Q Is full cover provided whilst my property is unoccupied?

A Full cover is provided subject to the security requirements being complied with and the property being furnished and the water being turned off at the mains and all equipment drained to its fullest extent if your property is to be unoccupied for more than 30 days or from the 1st November to the 31st March inclusive.

Q How much do I have to pay in the event of a claim?

A For properties in Greece and Italy you will be required to pay the first £100 of any claim. For all other locations you will be required to pay the first £50 of any claim. Subsidence Excess £1,000. An increased Policy Excess of 2.5% of the Buildings Sum Insured applies in respect of Portugal earthquake damage.

Q What should I do in the event that I need to make a claim?

A We understand that in the event of an incident occurring then making a claim can be stressful and we aim to make the process of settling a claim as quick and painless as possible. You should contact our Claims Team as soon as you think that you may need to make a claim, they are available from Monday to Friday 8:30am - 5.00pm on 0845 111 0672 who will be happy to help you and explain the process that you need to follow - don’t forget that our Helpline is available outside of normal office hours and the call to them is free! In the event of a theft, malicious damage, vandalism or loss of property occurring then you must notify the local police station and obtain a crime reference number immediately or within 24 hours of the loss occurring or being discovered.

Q Can I pay by monthly Direct Debit?

A Yes! We are happy to accept payment subject to a completed Direct Debit Mandate, we don’t charge any interest just a small administration fee of £1.00 per month which is included within the monthly amount.

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