Insurance coverage - inclusion/exclusion

[Bluepica]

Recently saw a posting about tree fell on a car...

 

I check my MSIG policy wordings, it doesn't say anything about damages/loss/etc.. caused by act of god, act or nature... etc...

 

What does this means? No stated, means no cover?

 

Any insurance inclusive coverage for act of terrorism?

[inlinesix]

  On 4/29/2010 at 3:15 AM, Bluepica said:

Recently saw a posting about tree fell on a car...

 

I check my MSIG policy wordings, it doesn't say anything about damages/loss/etc.. caused by act of god, act or nature... etc...

 

What does this means? No stated, means no cover?

 

Any insurance inclusive coverage for act of terrorism?

The word is Force majeure. Exclusion of terrorism comes in after 9/11. Terrosism coverage could be expensive. Even all risk don't have act of terrorism.

[Bluepica]

  On 4/29/2010 at 3:54 AM, Davidtch said:

The word is Force majeure. Exclusion of terrorism comes in after 9/11. Terrosism coverage could be expensive. Even all risk don't have act of terrorism.

 

That word is not in the policy wordings either... it pointed more on terrorism, riot, war, invasion, nuclear war... none on nature caused disaster.

http://www.msig.com.sg/download/yl_terms/m...ce_mpc20604.pdf

[inlinesix]

  On 4/29/2010 at 8:30 AM, Bluepica said:

That word is not in the policy wordings either... it pointed more on terrorism, riot, war, invasion, nuclear war... none on nature caused disaster.

http://www.msig.com.sg/download/yl_terms/m...ce_mpc20604.pdf

How about Schedule accompany the policy? If not, it should mean that it is covered. Usually, act of god is not covered.

[Beehive3783]

MSIG covers damage caused by acts of nature. Refer here under FAQs tab http://www.msig.com.sg/Lifestyle/product.asp?pageid=3101

Edited April 29, 2010 by Beehive3783

[Osiris]

these are "small small" clauses that one may overlooked.

 

So a $50 cheaper insurance may be enticing.

But if didn't cover act of god one have to take the risk. knowingly or unknowingly...