GARDJOLA HOME INSURANCE POLICY
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For most of us, our home is the most valued possession and we cannot afford to leave it unprotected. Insurance does not stop accidents from happening, but when they do occur, compensation paid for the loss enables us to to restore the damage. The Gardjola Home Policy is designed to help you choose the best cover.
|Fire, Lightning and Explosion||Burglary|
|Storm and Flood||Escape of Water|
|Vandalism and Malicious Damage||Riots, Strikes, Labour & Political Disturbances|
|Impact by vehicles, aircraft or animals||Falling tree and branches|
|Breakage and collapse of aerials||Rent|
|Damage to public services||Sale of home|
|Breakage of fixed glass and sanitary fixtures||Cost of replacing locks and keys|
|Property owner's liability||Property in the open|
|Accidental damage audio visual equipment and computers|
|Contents temporarily removed||Liability as tenants|
|Fatal injury||Liability to the public|
|Conmmon areas for apartments||Accidents to servants and damage to their goods|
|"All risks"||Family Public Liability|
|Pedal cycles||Sports equipment|
|Personal accident||Food in freezers|
|Legal expenses||Accident damage|
|New for old (for contents)||Presents and Gifts|
|Full thefts cover||Earthquake Cover|
|Buildings should be insured for the full reinstatement cost
(that is, the full cost of when new, including outbuildings) and not the
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|The best way to assess the value of your possessions is to
have a checklist. Cordina Insurance Agency Ltd., has out a checklist
online for your convenience in order to assess your contents in the best
New for Old cover
SOVAG will pay the full cost of an equivalent new article when the original object is lost or totally destroyed. In this case, the sum insured should be calculated on this basis
Indemnity will place you in the financial position after a loss as you were immediately before. Therefore you need to insured your goods on the basis of buying new replacements, less a deduction for wear & tear depending on the age and condition of the particular goods.
DOWNLOAD the Checklist for Contents Valuation Now.