Home Insurance (eHome Lite)

This policy covers:

No	Benefits	Sum Insured/ Limit (RM)
1	Home Care Loss of household contents due to Fire/Lightning, Flood or Burglary	5,000
2	Cyber Protection (Electronic Fund Transfer Fraud) Theft or Robbery and as a result of that suffers financial losses due to an unauthorised Electronic Fund Transfer using the stolen phone	1,500
3	Inconvenience Allowances Due to Fire or Flood (RM200 x 3 months)	600
4	Repair of Burst Pipe Cost incurred in repairing or replacing an unexpected burst pipe(s) at Your Building, including wall hacking and/or patching.	500
5	Loss or Damage to Fixtures and Fittings Caused by Termite Cost incurred in repairing or replacing the damaged fixtures or fittings caused by termites	500

The total premium amount you will have to pay is RM 38.88 (inclusive of SST). Premium Payment can be made via Credit Card and Internet Banking.

a) Personal Data and Privacy

You should read the Tune Protect Privacy Policy (https://www.tuneprotect.com/privacy-policy/) and You shall agree that all personal data provided to the Company by You and/or the Insured and/or acquired by the Company from the public domain, as well as personal data that arises as a result of the provision of cover to You and/or the Insured is subject to said Privacy Policy as may be varied from time to time.

b) Duty of Assured

You shall take all reasonable precautions to prevent claim incidents.

c) Premium Warranty

You must pay the premium and the premium must be received by the insurer within sixty (60) days from the policy/ endorsement/renewal certificate inception date.

d) Submission of Claim

In the event of a claim, you are required to notify us within 30 days from the date of accident and submit the relevant documents.

e) Policy Expiry

Unless renewed, the coverage will cease an expiry date. (Note: Please refer to the full terms and conditions of this policy.)

This policy shall not be liable for any loss resulting from: -

• a. Action of light atmospheric or climatic conditions
• b. Any process of cleaning dyeing repairing or restoring.
• c. Depreciation, wear and tear, rust and corrosion, mechanical or electrical breakdown failure or derangement or misuse.
• d. Delay confiscation or detention by Public Authorities.
• e. The breakage of electrical valve bulbs or tubes.
• f. Loss due to the dishonest acts of the Insured or any person acting on his behalf.
• g. Cheating or Criminal Breach of Trust as defined in the Penal Code.
• h. Faulty or defective design, materials or workmanship.
• i. Consequential Loss of any kind.
• j. Manuscripts, plans, drawings or designs, patterns, models or moulds, deeds, bills of Exchange, promissory notes, securities, stamps, cheques and money.
• k. War and Nuclear Risks.
• l. Landslide, landslip, subsidence or sinking of the soil/earth, earthquake, volcanic eruption, subterranean fire, typhoon, hurricane or other convulsion of nature unless specifically covered.

You may cancel your policy at any time by giving 30 days written notice to Us. No refund of premium shall be allowed.

It is important that you inform the provider of any changes in your contact details to ensure all correspondence reach you in a timely manner. You may email the changes to hello.my@tuneprotect.com