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Be covered for your lifetime.

Covers	Premium	Any property in the UAE	Includes rental properties?
Contents, personal belongings	From just AED 350 a year	Yes	Yes

Here's what you get:

• Cover for contents and personal belongings - against fire, accidental damage, unexpected events and natural calamities
• Content cover when you're on holiday - for up to 45 days
• Worldwide cover for personal belongings - for up to 90 days

More great benefits:

• Contents and personal belongings covered if you move - provided professional removal contractors are used
• No proof of purchase required - if you're claiming single items less than AED 5,000

Find out which home insurance plan will suit you best

* Under insurance: When choosing the plan/coverage you may need to consider the under-insurance clause that is usually built in on Home Insurance products

Here's what you get, for a little extra:

• Domestic employee cover - for AED 150 per year
• Important documents cover - including passport, labour card, driving license, for AED 100 per year

You can get Home Insurance if:

• You're a UAE resident
• You own or rent your home

Home Comfort Insurance Exceptions

1. Loss or damage to goods whilst the home is unoccupied for more than 45 days

2. Damage arising from wear and tear

3. Loss or damage due to deliberate/wilful action

4. War and Terrorism

5. Theft without any forcible entry/exit

Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy terms & conditions

What does the Home Comfort plan cover?

It covers protection of household contents and personal belongings against accidental damage, fire and theft, accidental damage, unexpected events and natural calamities. It covers as well your contents are also covered when you are on holiday for up to 45 consecutive days. Personal belongings are covered worldwide for up to 90 consecutive days during the policy period. Contents and personal belongings are covered while moving if professional removal contractors are used

What is meant by 'Contents'?

Household goods and personal effects belonging to you, including furniture and fittings which do not belong to the landlord.

What is meant by 'Accidental Damage'?

Damage to contents and personal belongings which happens accidentally without any deliberate action, e.g. a flower vase slipped of your hand.

What is meant by 'Personal Belongings'?

Articles for personal use, normally worn, used or carried about the person, e.g. watch, jewellery, mobile phone, laptop.

Do I need to give you a list of all my personal belongings?

No, you don't have to list the personal belongings. In the event of a claim, a proof of purchase receipt is only required for individual items over AED 5,000.

What is the difference between Contents and Personal Belongings?

Contents are only items within the house, while personal belongings are items that can be carried outside the house.

Are my items covered if I move house?

Yes, loss or damage to contents while in transit from one home to another with in UAE is covered, as long as you use professional removal contractors.

I am a tenant, are my belongings covered?

Yes, your contents and personal belongings are covered.

I am a tenant. If I damage the landlord's property, will it be covered?

Under the Home Comfort plan this is not covered. However, this benefit is available under the standard Home Policy. Please contact HSBC for further details.

Would my maid and her belongings be covered?

If the maid is on your sponsorship you can cover her. This is an optional coverage. She will be covered for:
- Death or Permanent Total Disablement
- Medical Expenses
- Repatriation Expenses

Her belongings would not be covered.

Which plan should I choose?

Which plan you need depends on the value of your contents and personal belongings and the level of cover that you feel is appropriate.

Can I get more cover than you are offering?

If you want additional cover or increased limits, you can contact us on 04-3244282 to arrange cover according to your requirements.

Can I also get building insurance?

Please contact us on 04-3244282 and a separate policy may be designed to suit your requirements.

Can I start my insurance today?

Yes, the insurance can start with immediate effect after the premium payment.

How do I pay?

At HSBC branches you can choose to pay your premium via credit card.

When will I receive my policy documents?

The insurance provider AXA will arrange to send the original policy schedule along with the terms & conditions booklet within 7 working days directly to you.

Is there anything else I should know?

All the information you require is given in the brochure and if you require further details we can provide you with a copy of the policy terms & conditions.