FAQs
Answer:

According to the premium table applicable to comprehensive home insurance, the premium payable for the house is as follows:
- Premium for major perils = VMD1.3 billion x 0.12% + 10% VAT = VND1,716,000/year
- Premium for extended perils = VND1.3 x 0.06% billion + 10% VAT = VND858,000/year
- Total premium = VND2,574,000/year (equivalent to VND7,000/day)

Answer:

If the insured house is vacant for 30 consecutive days or more, any loss of or damage to the Contents caused by robbery or theft is excluded from this insurance. However, any loss of or damage to the Contents caused by any other risk such as fire, explosion or storm occurring during this period is still covered by this insurance.

Answer:

You are recommended to keep all invoices of the insured property, because in case of any damage, purchase and maintenance invoices of the property will be the most authentic evidence to prove your title to such property.

Where you can not provide any invoices to prove your title to the damaged property, the title will be proven depending on your situation in accordance with the Adjuster’s professional assessment.

It is noted that the retention of purchase or maintenance invoices of the insured property is only to prove your title to the property, and the value of the property as shown on such invoices will not be used as a reference when calculating the compensation amount

Answer:

You are recommended to keep all invoices of the insured property, because in case of any damage, purchase and maintenance invoices of the property will be the most authentic evidence to prove your title to such property.

Where you can not provide any invoices to prove your title to the damaged property, the title will be proven depending on your situation in accordance with the Adjuster’s professional assessment.

It is noted that the retention of purchase or maintenance invoices of the insured property is only to prove your title to the property, and the value of the property as shown on such invoices will not be used as a reference when calculating the compensation amount

Answer:

Any loss of or damage to the Contents shall be paid on the "new replacement value" basis, meaning any loss or irreparable property will be replaced by a new one of the same type and of no better quality. The cost of repairing the damaged property will be paid by PVI Insurance. The valuation of your property would be easier if you could provide PVI Insurance with purchase invoices and receipts and repair quotations.
If the lost or damaged property forms part of another property, the loss would correspond to a reasonable proportion of the total value of the property, depending on the function of that part.

Answer:

To ensure your best interests, you should buy insurance for the full value of your house and its Contents as follows:
- As the basis of compensation for the house will be the construction value at the time of the loss, you should determine the value of the house based on the fair market construction value in at the current time or as expected the near future (taking into account inflation and price fluctuations that may arise during the period of insurance).
- As the basis of compensation for the Contents will be the new replacement value, you should estimate the full value of the Contents based on their original cost (excluding deductions due
to amortization or depreciation).

Answer:

The Contents Insurance Section of the Comprehensive Home Insurance Policy covers any sudden loss of or damage to the Contents of the house caused by an insured risk regardless whether the insured property is new or old. Such loss or damage will be paid on the “new replacement value" basis, without taking into account any deductions due to amortization or depreciation. If the property is lost or becomes irreparable, PVI Insurance will compensate by providing a new one of the same type and of no better quality.

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