Householder Policy | Prestige Assurance PLC

Policy Overview

All-In-One Home Protection

The Householder Policy brings together multiple essential covers under one roof — with premium discounts increasing as you add more sections. A minimum of three sections (including Section IB) must be selected.

Fire & Allied Perils

Covers the building and contents of your dwelling against fire and allied perils for you and your family members permanently residing with you.

Perils covered:
Fire • Lightning • Explosion • Burst pipes • Aircraft damage • Riot & Strike • Earthquake • Flood • Storm • Impact damage

Burglary & House Breaking

Covers contents of your dwelling against loss due to burglary, house breaking, larceny, or theft.

Including larceny and theft • Full contents protection • Compensation at market value

III

All Risks — Jewellery & Valuables

Covers loss or damage to your jewellery and valuables by accident or misfortune whilst kept, worn or carried anywhere, subject to the declared value.

Accidental loss • Misfortune • Theft • Whilst being worn or carried

Plate Glass

Covers loss or damage to fixed plate glass in the insured premises by accidental breakage, subject to the limit of sum insured.

Accidental breakage • Fixed glass in premises • Market value replacement

Breakdown of Domestic Appliances

Covers domestic appliances against unforeseen and sudden physical damage due to mechanical or electrical breakdown. Insured on replacement value basis.

Mechanical breakdown • Electrical breakdown • Replacement value basis

TV Set & Home Entertainment (All Risks)

Covers your TV set against fire, burglary, accidental breakage, and mechanical or electrical breakdown, including third-party liability from use of the TV set.

Fire • Burglary • Accidental breakage • Mechanical & electrical breakdown • Third-party liability

VII

Pedal Cycles (All Risks)

Comprehensive cover for pedal cycles against fire, theft, accidental damage, and third-party personal injury or property damage.

Fire & allied perils • Burglary & theft • Accidental damage • Third-party liability

VIII

Baggage Insurance

Covers loss or damage to your accompanied baggage by accident or misfortune whilst travelling on tour or holiday.

Accompanied baggage • Tour and holiday travel • Accidental loss or damage

Personal Accident

Covers death or bodily injury caused by accidental, violent, external, and visible means to the named insured. Sum insured must not exceed 72 months’ salary.

Accidental death • Permanent total disability • Temporary disablement • Medical expenses

Public Liability

Covers your legal liability for bodily injury or property damage to third parties, plus workmen’s compensation for domestic servants at your premises.

Third-party bodily injury • Third-party property damage • Domestic servants’ compensation

Practical Guidance

Everything You Need to Know

From selecting the right sum insured to making a claim — a complete guide to your Householder Policy.

The Householder Policy is a package policy specially designed to meet the insurance requirements of a householder by combining under a single policy a number of standard policies usually taken by householders.

A discount in premium is offered depending upon the number of sections opted for by the proposer. It is compulsory to opt for Section IB (building contents under Fire & Allied Perils). A minimum of three sections including Section IB must be taken for issuance of this policy.

For household items, group them into broad categories (furniture, clothing, linen, utensils, crockery, etc.) and assign a value equivalent to the current market value.

Sections IA & B, II, III, IV, VI, VII & VIII — insure on market value basis.
Section V (Domestic Appliances) — insure on current replacement value of a similar new item.
Section IX (Personal Accident) — sum insured must not exceed 72 months’ salary from gainful employment.

Take necessary steps to minimise the loss or damage immediately.
In case of fire, inform the fire brigade immediately.
In case of theft or burglary, inform the police immediately with a list of items stolen and their approximate value.
Notify Prestige Assurance by phone or in writing as soon as possible.
Cooperate fully with the appointed surveyor and submit the claim form with all supporting documents.
If rights of recovery exist against a third party, those rights must be subrogated to Prestige Assurance upon settlement.

Policy details given are indicative and not exhaustive. Terms, conditions, and exclusions apply to all sections.

Please contact your nearest Prestige Assurance office for full policy wording, specific exclusions, and premium quotations tailored to your requirements.

Section IB is compulsory. A minimum of three sections must be selected for the policy to be issued.

Protect Your Home & Contents Today

Get comprehensive cover for your home, valuables, appliances, and personal liability with a single Householder Policy — at a discounted combined premium.

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