Basic Cover

The Burglary policy covers against loss or damage to the insured property by:

  • Theft consequent upon actual, forcible and violent entry into or exit from the premises OR
  • Damage to insured property or to the premises as a result of theft or any attempt thereat

Eligible Proposer

Any person or business organisation with property to be insured whilst kept in the premises that requires coverage for:

  • Stock-in-trade belonging to the insured
  • Goods held in trust or on commission for which the insured is responsible
  • Furniture, fixture, fittings and utensils
  • Household goods and personal effects

If more than one location is involved, a separate sum insured is to be declared on each location.


Premium is calculated based on the trade of business or occupation, location of premises, type of goods, the classification of building construction and the sum insured. The sum insured is either based on full value of the property at the premises at any period or first loss - the maximum potential loss at any one event, usually minimum 25% of full value.

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