Travel Insurance

At Imperial we are committed to providing you with the right cover....

Overview
Whether you plan to soak up the sun in California, go sightseeing in Rome or surf in South Africa – it’s essential to pack travel insurance with your passport and suntan lotion, allowing you to make sure you enjoy a smooth, hassle-free trip.
Stepped on a rock, slipped, fell and broke your ankle? Your flight is delayed or cancelled? A family member fell I’ll and you have to curtail your trip? Lost your Passport and important travel documents? Bags got misdirected or delayed?

What is Travel Insurance?
Whether traveling for leisure or business, Travel Insurance covers you for the cost of unexpected events that can occur while you are away and interrupt your travel plans. You would be insured against expenses and inconvenience caused by emergency medical conditions (should you be injured or fall ill abroad), delayed flights, hotel cancellation, baggage delays, and so on.
A range of other cover extensions are also available, depending on which policy you buy, such as Medical Evacuation, Trip Cancellation or Curtailment, Travel Delay, Hazardous Sports and Terrorism Extension.

Types of Cover:
- Single Trip Travel insurance
If you’re traveling abroad and need travel insurance for a single trip, get a quote today and protect yourself with a great value cover.

- Annual multi-trip travel insurance
If you travel abroad at least twice a year, save money by considering an annual multi-trip policy that provides protection for all your trips abroad, wherever your travels take you.

What does Travel Insurance typically cover:

Emergency Medical Expenses
Covers Medical Expenses incurred during a Journey if you are taken into hospital for the treatment of any accidental bodily injury, sickness or disease.

Emergency Medical Evacuation / Repatriation
If deemed medically necessary, transportation by air, land or sea can be arranged to evacuate the patient to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.

Trip Cancellation / Curtailment Benefit
Provides cover the ticket and accommodation expenses paid if you need to cancel or cut your journey short before it begins because you, a traveling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.

Loss of Travel Documents
Provides cover if your passport is lost, stolen or destroyed on your journey.

Travel / Baggage Delay
If your flight is delayed for more than a specified number of hours, expenses for food and hotel accommodation will be covered. If your baggage has not arrived at your final port of destination, expenses for additional clothing or personal toiletries till your baggage arrives will be covered.

Personal Accident
In the event of accidental injury, disablement or death, a lump sum payment will be issued to you or the persons chosen by you.

Personal Liability
Provides cover if a claim is made or a suit is brought against you for accidental loss or damage to the property of any person or bodily injury, sickness or disease of any person during the course of an Insured Journey.

24-hour Global Emergency Assistance Services
Emergency assistance services helping you out in a foreign country should you face any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay.

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House Insurance

Homeowner’s coverage doesn’t have to be difficult to understand....

Overview
Your home is most likely one of, if not the most, valuable assets you have. How would you cope if you were faced with the full cost of making repairs to your home after it gets flooded or catches fire or replacing the contents of your home and valuables if they were stolen or damaged? It would be a rather unwise decision to leave your home and its contents uninsured when it faces risk of loss or damage from so many common occurrences. It is undoubtedly the most important investment of everybody’s life and needs to be protected, but what is the best way to ensure you’re receiving the comprehensive coverages you need at a low rate?

Following the recent incidents of fires in many residential towers, many have found out for themselves the costly mistake of not having home insurance in place. Insuring your home against the unforeseen can save you time, money and give you peace of mind, so speak to Edge to get a quote today.

What is Home Insurance?
Home insurance is made up of two parts: buildings and contents cover.
1. Buildings Insurance
Essentially covers the structure of your home – so the walls, roof, foundations, sometimes outbuildings – and the fixed fittings within it, including bathroom suites and kitchen units.

2. Contents Insurance
Covers the cost of replacing or repairing furniture and other items if they are damaged, destroyed or stolen. An easy way to think of your contents is everything you would take with you if you were to move to a new house.

Main Covers
Some important benefits of Home Insurance include coverage for:
1. Coverage from Natural Calamities and Other Perils
Your home is insured against damages caused by Fire, Explosion, Lightning, Earthquake, Burst Pipes, Storm or Flood, Riots, Theft and more.

2. Alternative Cost of Accommodation
If your home is made uninhabitable by any of the causes insured, you will be covered for the reasonable additional costs of similar short-term accommodation for you, your family and domestic pets, for the period necessary to restore the home to a habitable condition.

3. Tenants Liability for Damage
If you are a tenant of your home and not the owner, this cover protects you from any insured incident that happens at your tenanted property and for which you are legally liable to your landlord or any third-party person.

4. Occupiers Personal Liability
This cover will indemnify you against your legal liability for damages and claimants’ cost and expenses in respect of: – Accidental bodily injury to any third-party person due to an insurable incident at your residence – Accidental Loss of or damage to material property

5. Replacement of Locks and Keys
If your home keys have been lost or stolen, then the cost of cost of repairing, replacing or installing new locks will be covered under your home insurance policy.

6. Spoilage of Food in Deep Freezer
Covers the loss or damage to food or drink in any freezer or refrigerator in your home caused by a change in temperature of the freezer or contamination by the escape of refrigerant or refrigerant fumes.

7. Loss of Personal Documents and Money
You can also cover the loss of all your personal documents and money (as per policy schedule) due to any insured incident such as loss of passport, educational certificates etc.

8. Personal Belongings Coverage
Personal effects including clothing plus specified and listed items such as jewelry, watches, mobile phones, photographic equipment, laptops and other items that are designed to be worn or carried around on a day to day basis or even when you are on a holiday can be covered from accidental damage, loss or theft.

9. Domestic Helper Protection Cover
Home insurance even provides protection to your staff at your home for Emergency Medical Expenses, Death & Permanent Total Disablement cover and Repatriation of Mortal Remains.

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Marine Cargo

Provides physical coverage for all materials, equipment, machinery, spares, supplies and other items for incorporation to the Project.