Householder's Comprehensive Insurance Proposal Form
(Private Dwellings)
Here is a brief summary of the covered provided by our Comprehensive Insurance (Private Dwellings) policy. We will be pleased to discuss details of the cover that is best suited to your needs, and will supply a specimen policy which sets out he full terms and conditions in details which alone will govern any contact of insurance.

The Cover

FAMILY PERSONAL LIABILITY

Protection can be provided against liability at law for claims against the proposer and members of his household in respect of accidents causing bodily injury or damage to property and arising out of the ordinary activities of private life such as walking ,cycling or the playing of games. Liability in respect of any trade or business or the ownership or use of land, buildings, boats, vehicles (other than pedal cycles), aircraft or animals (other than dogs, cats and horses whilst being used for hacking) and use of firearms (other than sporting guns) is executed.

ALL RISKS

The Company's "All Risks" policy is specially designed for the insurance of valuables, such as jewellery, watches, cameras and furs. This will cover accidental loss or damage occurring not only at your residence but elsewhere-including loss from the person or in transit.

PERSONAL ACCIDENT INSURANCE

The increasing complexity and speed of the modern life increases greatly the liability of the individual to disablement or even death by accident. The company's "Selective Benefits" policy will provide the exact protection needed to offset the crippling cost of accident disablement, whether this cost arises from loss of earning power or from heavy medical expenses. A feature of the policy is its flexibility: it is specially designed to enable the policyholder to secure the precise amount of benefit that is best suited to his own personal requirements. PLEASE ASK FOR PARTICULARS.

SUMMARY OF COMPREHENSIVE COVER FOR PRIVATE DWELLINGS

The summary of the policy cover is necessarily condensed but as a specimen policy setting out the terms conditions is available on request.

BUILDINGS

1. FIRE, EXPLOSION, LIGHTNING, THUNDERBOLT.
2. AIRCRAFT and aerial devices or articles dropped there from
3. STORM or TEMPEST, excluding
     (a) Subsidence or Landslip
     (b) Destruction of or damage to fences and gates
4. THEFT following violent and forcible entry (except while the dwelling is left unfurnished)
5. BURSTING or OVERFLOWING OF WATER TANKS, APPARATUS or PIPES (except dwelling is left     unfurnished)
6. EARTHQUAKE
7. IMPACT by any road vehicle, horses or cattle not belonging to under the control of the proposer or any of his     family residing with him.
8. LOSS OF RENT up to 10 per cent of the sum insured.
9  PROPERTY OWNERS LIABILITY

CONTENTS

1.  FIRE, EXPLOSION, LIGHTING, THUNDERBOLT, EARTHQUAKE.
2.  STORM or TEMPEST, FLOOD.
3.  AIRCRAFT and aerial devices or articles dropped there from.
4.  BURSTING or OVERFLOWING OF WATER TANKS, APPARATUS or PIPES (excluding damage caused      thereto)
5.  THEFT (except of cash, currency notes, bank notes and stamps and while the dwelling or any part is lent,      let or sub-let)
6.  IMPACT by any road vehicle, horses or cattle not belonging to under the control of the proposer or any of      his family residing with him.
7.  BREAKAGE OR MIRRORS (other than hand mirrors)
8.  TENANTS LIABILITY for damage to the building (except while unfurnished) caused by storm or tempest,      bursting or overflowing of water tanks, apparatus or pipes, theft. (The amount recoverable in respect of the      above perils is limited to 10 percent of the sum insured)
9.  LOSS OF RENT and HOTEL EXPENSES not exceeding 10 per cent of the sum insured.
10.LIABILITY TO THE PUBLIC for accidents happening in or about the dwelling causing bodily injury or damage      to property.
11.COMPENSATION FOR DEATH of the insured or wife or husband of the insured caused by thieves or fire in the dwelling.

NOTE: -The contents policy does not cover property more specifically insured or, unless specially mentioned, deeds, bonds, bills of exchange, promissory notes, cheques, securities for money, documents of any kind, manuscripts, medals and coins, motor vehicles and accessories whilst thereon, or live stock other than horses. If any curio, picture or other work of art, stamp collection or article of gold, silver or other precious metal, jewellery or fur exceeds five percent of the total value of the contents, please specify and state amount to be insured separately on each article.
Please select the country/city where the form is to be submitted
1. (a) Name of the Proposer in full
   (b) Occupation
   (c) Address
   (d) Address of the Property(if different from above)
   (e) Telephone No:
   (f) Fax No:
   (g) E-mail

Property to be Insured
If desired,separate Policies can be issued for buildings and contents
  Period of Insurance , From                             to
  The Buildings (state full Values)
  1 The Private Dwelling House and all Domestic Offices,Stables,Garages and Outbuildings on the same premises and used in connection therewith(including Landlord's Fixtures and Fittings therein or thereon) and the Walls, Gates and Fences around and pertaining thereto, all situate as aforesaid.
  2 On architects' and Surveyors' fees (being % of the Sum Insured on Buildings) in connection with the reinstatement of the buildings after a loss by an insured peril.
    Total Sum to be insured on Buildings
   The Contents (state full values)
  1 Household Goods and Personal Effects of every description(except as aftermentioned*) -including Cash, Currency Notes, bank Notes and Stamps not forming part of a Stamp Collection to an amount not exceeding $ 50 or five percent of the full value of the Contents as herein declared, whichever is less-belonging to the Proposer(or for which he is responsible) not being Landlord's Fixtures or Fittings, all in the Private Dwelling aforesaid and in Domestic Offices, Stables, Garages and Outbuildings on the same premises and used in connection therewith.

* Attention is drawn to the Note at the foot of the opposite page of this form.
  Total Sum to be insured on Contents.
Questions to be answered by the Proposer
1 Are the external and party walls constructed of brick, stone or concrete and the roof of slates, tildes, metal or concrete? If not, what is the construction?
2 Is the building in a position specially liable to damage by Storm, Tempest of Flood?
3 Is the building occupied solely by you for private residential purposes? If not, please give brief particulars.
4 Is the dwelling regularly left without an occupant day or night other than for holidays, shopping and recreation? If so, please give details.
5 For how many days (whether consecutive or not) is the dwelling likely to be left without an inhabitant during any one year?
 6 State as a number of days the longest consecutive period in any one year during which the dwelling is likely to be left without as inhabitant.
7 Have you ever sustained a loss in respect of any of the risks against which you now wish to insure? If so please give brief particulars.
8   Has the acceptance or renewal of any of your insurances been declined or made subject to special conditions?
  Additional questions to be answered if the contents are to be insured:-
(a) Is the dwelling a Flat or Apartment?
  (b) If so, has it a separate locked entrance and is it under your sole control?
   Does the total value of the articles of Gold, Silver or other Precious Metal, Jewellery or Fur exceed one-third of the value of the contents to be insured? If so, please state their total value.
   Family Personal Liability (for details of cover see summary of cover)
Do you wish to effect this cover?

Declaration

I declare that the above sums to be insured represent not less than the full value of the property and agree to notify the Company if the value is materially increased during the currency of the Insurances. I further agree that this Proposal and Declaration shall be the basis of and be held as incorporated in the contract between me and "Compagnie Libanaise d'Assurances s.a.l" and accept a policy in the Company's usual form for this class of insurance.
 

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