• Forcible and violent entry or exit to the premises
• Theft or any attempt by a person hiding in the Insured premises
• Hold-up or armed robbery

You can either insure your property on full value or first loss basis :

• Full value basis

This basis is adopted when there exists a possibility of your entire property insured being stolen at any one time. You must ensure the adequacy of the sum insured since the insurance will be subject to the average clause and you will not be fully indemnified at the time of loss if the property is underinsured. The correct sum insured should be what you consider to be the highest value at risk at any one time.

• First loss basis

This basis is adopted when it is not possible for your entire property insured to be stolen at the same time. The sum insured shall be based on your assessment.