Home Direct FAQs

Owners of all housing types, whether property is owned or on rent. Bungalows and apartments both can be insured.

Your policy will be effective on the day of receipt of your completed and signed Proposal Form along with the full payment.

The policy covers Fire, Explosion, Earthquake, Rain, Cyclone, Storm, Tempest, Riot & Strike Damage, falling Aircraft and other Aerial Devices, Water Damage due to burst pipelines Malicious Act, Impact of Motor Vehicles , Burglary & Housebreaking.

No.

Mobile Phones, Latops, Note Books, Palm tops, i-pods, i-pads, and gadgets/equipment of similar nature . Motor Vehicles, Caravans ,Trailers, Watercraft, Aircraft and accessories attached thereof, Livestock, Deeds , Bonds , Bills of Exchange , Promissory Notes, Cheques, Securities, Manuscripts, Medals , Coins , Stamps, Computer systems records , Business Books , Books of accounts, Explosives, Works of Art, Drawings, Designs, Moulds, Models, Patterns, documents or obligations of any kind.

Simply inform us in writing and we shall amend the policy schedule and send you the document.

You may contact our Call Centre on 111-000-301.

Simply inform us in writing and we shall amend the policy schedule and send you the document.

You may contact our Call Centre on 111-000-301.

No , you may only have the Household contents , Cash and Jewelry covered under the policy. However, along with contents if you would like to have the Home Structure insured , the same can be covered by charging a net premium rate of 0.2% of the total value of the building.

Yes you can have only the building or Home Structure insured @ net premium rate of 0.2% of the total value of the building.

No, the building can only be used for residential purpose.

The policy will be valid for one year and will be renewed at expiry. The premium , other terms and conditions will decided at the time of renewal keeping your claims experience in consideration.

Buildings or home structure mean the home, built of bricks, stone, or concrete, the external surface of the roof constructed of slates, tiles, concrete and asphalt etc.

Home contents mean household goods and personal effects belonging to you or your family members residing within your home. They also include furniture, fixtures, furnishings , home appliances etc.

Before departure you can even cancel your policy by paying a minimal charge. So, there is no harm in buying your policy. Don’t wait till the last minute to buy your travel insurance as sometimes, server issues or payment issues might also be there due to which you may have to buy a plan different from the one you have selected.

Contents exclude :

• Portable equipment ( e.g. mobile phones, laptops etc )
• Any living creatures
• Permanent fixtures and fittings
• Electrically or mechanically propelled or assisted vehicles of all types

This is based on a loss survey which takes place after the claim is filed with the insurance company. The surveyor goes to the claimant and investigates the claim and issues survey report detailing the exact circumstances of the incident. In case of damages resulting from events other than events other than burglary, photographs are taken by the surveyor.

In case of fire loss to home contents, burglary or house breaking

• Claim form duly completed and signed
• Purchase Receipt
• List of items damaged
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured Building & Home Structure
• Claim Form duly completed and signed
• Building Approval Plan
• Police Report
• Fire Brigade Report ( if fire extinguished by Fire Brigade )
• Copy of CNIC of Insured

Cash Memos, Receipts, Guarantee Cards etc must be kept carefully as they may be required in case of lost or stolen items at the time of settlement of the claim.

No, loss or damage to contents while in transit from one house to another are not covered under the policy.

Only your home contents are covered (Your land lord must purchase a separate policy to insure the home structure)

No, the landlord’s property is not covered by the tenant’s insurance policy.

The original policy documents will be sent to you directly by TPL Insurance (Formerly TPL Direct Insurance) within five working days of receiving the duly completed and signed Proposal Form, receipt of pre insurance risk inspection report from the surveyor in case the home structure is insured and the premium payment of the policy.

The claim shall not be payable in the event of the premises being left unoccupied by day or night for a continuous period exceeding 72 hours in respect of Jewelry or seven days for other contents and 15 days in the course of any one year of insurance.

The expenses borne due to loss or theft of the following personal Identification Documents from the home belonging to you or your other family members :

• Computerized National Identity Card
• Passport
• Driving License

If your home contents are underinsured and you suffer a loss of insured contents, your claim amount will be reduced by the same proportion as that of underinsurance.

The insurance policy can be canceled any time on your request in which case the company will retain premium at the short period rate for the time the policy has been in force. The insurance company may also at any time terminate the policy by sending a seven days notice period to you at your last known address in which case the company shall be liable to refund the premium on pro rata basis for the unexpired term from the date of cancellation provided no claim has been taken on the policy.

TPL Insurance (Formerly TPL Direct Insurance) will settled the claim within seven working days subject to submission of required documents.

If any mishap occurs outside the house your Jewelry/Cash are not covered.

There is no restriction on the number of claims that can be lodged on the policy.

No your policy will not be cancelled if you take a claim.

Both options are available, you can either have the limits enhanced depending on the amounts by which the limit is increased or switch to another package if the increase in amounts is more or less equal to the limit of liability given in the other packages.

You may have the limit of jewelry increased by paying extra premium at a gross premium rate of 0.75%. However, this increase shall be considered on a case to case basis and shall be subject to approval by the insurance company.