Personal

Domestic Package
Insurance

Covers loss of or damage to insured property caused by unexpected events, including fire and related perils, lightning, explosions, natural disasters, impacts, riots, strikes, malicious damage, theft involving forced entry, and water damage.

Get Covered

At a glance

The terms behind your cover.

A family arriving home at sunset, insured under a domestic package policy

Basis of indemnity

Replacement value.

Policy sections

Section 1 covers buildings; Section 2 covers contents.

Standard excess

Fire and perils: 10% of claim or UGX 100,000. Earthquake: 2.5% of sum insured. All Risks: 10% or UGX 200,000.

Before acceptance

This quotation is valid for 30 days from the date of issue.

Scope of cover

What this policy
can protect against.

Fire and allied perils

Loss or damage caused by fire and related perils.

Lightning

Loss or damage caused by lightning strike.

Explosion

Loss or damage caused by explosion.

Natural disasters

Earthquake and other natural disasters under policy terms.

Impact damage

Damage caused by impact to the insured property.

Riot and malicious damage

Riots, strikes, and malicious damage to insured property.

Theft after forced entry

Theft involving forced entry into the insured premises.

Water damage

Leaks, burst pipes, tanks, and fire protection systems.

Section 1 — Buildings

Extensions on the
building itself.

These clauses set how the policy responds for the insured structure, from reinstatement and debris removal through to subsidence, tenancy, and adjoining buildings.

Automatic Reinstatement of Sum Insured

Restores the sum insured after a loss, at additional premium.

Bush Fire

Covers loss or damage caused by bush fire.

Capital Additions Clause

Automatic cover for approved additions to the building.

Fire Brigade Clause

Covers approved fire brigade charges after an insured event.

Malicious Damage

Covers malicious damage to the insured building.

Riots, Strike and Civil Commotion

Covers riot, strike, and civil commotion damage.

Subrogation Waiver Clause

Waives recovery rights against specified parties.

Temporary Removal Clause

Covers insured property temporarily removed from the premises.

85% Average Clause

Average applies only where cover falls below 85% of value.

Cross Liability

Treats each insured party as separately insured.

Claims Preparation Costs

Approved claim-preparation costs up to UGX 3,000,000.

Warranty for Lighting and Protection Devices

Requires lightning and protection devices to be maintained.

Breach of Conditions and Warranties

A breach of conditions and warranties extension.

All Other Contents Clause

Covers other contents up to UGX 20,000,000.

Debris Removal Clause

Approved debris-removal costs up to UGX 50,000,000.

72 Hour Clause

Groups related catastrophe losses into a single claim period.

Petrol and Mineral Warranty III

Sets conditions for storing petrol and mineral products.

Electrical Clause III

Sets the policy treatment of electrical installations.

Public Utilities

Extends cover to approved public utility connections.

Appraisement Clause

Provides for independent appraisal of a disputed loss.

Subsidence and Landslip

Covers subsidence and landslip under policy terms.

Security Firms Clause

Recognises approved security firm arrangements.

Un-occupancy Clause

Cover continues for up to 30 days of un-occupancy.

Single Article Limit

Any single article is limited to 10% of the sum insured.

Jewellery Protection Clause

Sets the terms for insured jewellery.

Tenants Clause

Covers a tenant’s interest in the insured building.

Adjoining Buildings

An adjoining buildings extension, as shown in the final schedule.

Designation of Property

Confirms how insured property is described.

Definition of Buildings

Sets what counts as the insured building.

Section 2 — Contents

Extensions on the
contents inside.

These clauses extend cover to belongings, equipment, and liabilities connected with the contents of the insured premises.

Billboards and Sign Posts

Covers insured billboards and sign posts.

Cancellation

A 30-day cancellation notice applies.

Car Park Clause

Covers approved risks within the insured car park.

Defective Sanitary Installations

Covers damage from defective sanitary installations.

Deliveries by Hand or Pedal Cycle

Covers deliveries made by hand, handcart, or pedal cycle.

Earthquake, Subsidence and Collapse

Covers earthquake, subsidence, and collapse.

Exhibitions and Signboards

Covers insured property at exhibitions and on signboards.

Fire and Explosion

Covers loss or damage from fire and explosion.

First Aid

Covers approved first-aid costs after an insured event.

Leased Premises

Extends cover to insured leased premises.

Legal Defence Costs

Approved legal defence costs up to UGX 10,000,000.

Lifts, Elevators and Hoists

Covers insured lifts, elevators, and hoists.

Loading and Unloading of Vehicles

Covers loss or damage while loading or unloading.

Motor Contingent

Contingent cover for vehicles used on insured business.

Pedal Cycle

Covers an insured pedal cycle.

Private Dwellings

Extends cover to insured private dwellings.

Security Guards Clause

Recognises approved security guard arrangements.

Tools of Trade

Covers insured tools of trade.

Unattached Trailers

Covers insured unattached trailers.

Unlicensed Vehicles

Covers insured unlicensed vehicles on the premises.

Waiver of Subrogation Against Employees

Waives recovery rights against employees.

Exclusions

The insurer will not pay
in respect of loss or damage:

War and allied perils

War and allied perils are not covered.

Bodily injury

Bodily injury to any person is excluded.

Consequential loss

Consequential loss or damage of any kind is excluded.

Employee theft or dishonesty

Theft by, or dishonesty of, your own employees is excluded.

Radioactive contamination

Radioactive contamination is not covered.

Property in the open

Storm, wind, and water damage to property in the open is excluded.

Claims process

How a claim works.

01
Report the incident

Tell us what happened, where, and when — as early as you can.
02
Share the documents

Send your policy details, photos, estimates and records.
03
Assessment confirms cover

An assessor reviews the buildings or contents damage.
04
Repair or settlement

Repair, replacement or settlement follows approval.

Domestic Package Key Features Statement

PDF · KEY FEATURES STATEMENT

Download PDF

Ready to protect
what matters?