Benefits

House Owners

This policy provides cover against damage caused by:

  • Fire, lightning, thunderbolt, explosion
  • Earthquake
  • Storm, tempest, hail, wind, water, flood
  • Impact by vehicles, animals, falling trees, Aircraft or articles dropped therefrom.
  • Non-political riot, strike and malicious damage
  • Theft or attempted theft
  • Bursting or escape of water from tanks, pipes, or domestic appliances

Rate is 0.12% of the sum insured.

Householders

This policy provides cover against damage caused by:

  • Fire, lightning, thunderbolt, explosion
  • Earthquake
  • Storm, tempest, hail, wind, water, flood
  • Impact by vehicles, animals, falling trees, Aircraft or articles dropped therefrom.
  • Non-political riot, strike and malicious damage
  • Theft or attempted theft
  • Bursting or escape of water from tanks, pipes, or domes

Personal All Risks

This policy is designed to cover personal effects that can be worn or carried on a person on or away from the residential property against accidental loss or damage
Specified Items:
Items such as cell phones, spectacles, laptops, pads, jewellery, golf clubs etc. should be specified if cover is required.
Unspecified Items (General Items):

  • Clothing and personal effects normally worn or designed to be carried on or by the person
  • Personal equipment normally worn or used by the person but excluding damage occurring whilst playing sport.

Different rates apply for specific item listed

  • House Owners

    This policy provides cover for private residential structures of your home, outbuildings, Perimeter walls, gate, swimming pools, sauna baths, and landlord’s fixtures and fittings against damage.

  • Householders

    This policy provides cover for loss or damage to domestic contents and personal effects belonging to the Insured whilst in private dwelling houses against damage.

  • Personal All Risks

    This policy is designed to cover personal effects that can be worn or carried on a person on or away from the residential property against accidental loss or damage.

Details

Claims a) Immediate notification of claims quoting the policy number, brief circumstances of the loss estimated cost of the claim and any supporting documents.
b) Any possible claim against the insurer should be notified as soon as possible or at the latest within 30 days of occurrence/ discovery.
c) Clients must be advised of turnaround period
d) Claims settlement will be based on replacement value.
Policy Cancellations The customer may cancel the policy at any given time and premium will be refunded on a pro-rata basis for the remaining period provided there is still more than 30 days to expiry.

Eligibility

Policy Cancellations Minimum 18 years

Terms & Conditions

For Home Plan

This insurance policy is underwritten by RM Insurance Limited (A member of the Old Mutual Group). The insurance coverage that this policy provides shall be at all times subject to the terms and conditions of the policy contract issued by RM Insurance Limited. Standard Chartered Bank shall not be responsible for RMI's actions or decisions under the policy contract nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy contract issued by RM Insurance. Premium holidays are not permitted.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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