Terms & Conditions – Home Protection

  1. Home Protection is a contract between the Policyholder and the insurance provider - Union Insurance Company. etisalat shall not be responsible and liable for any actions or decisions of Union Insurance Company.
  2. The Policyholder should be an active etisalat Home customer and the address of the premise insured should be the registered address with etisalat, as provided on the monthly eLife bill. This should be presented during the claim settlement process.
  3. The Policyholder should be the owner or should have an active tenancy contract in his/her name or an immediate family member’s name or should be the owner in respect of the premises insured. 
  4. Claims settlement shall be on First Loss basis, no Average clause will apply. 
  5. Items above AED 5000 have to be supported by proof of value at the time of claim. 
  6. The Policyholder should inform the Union Insurance Company (UIC) in case the premises insured is unoccupied for more than 60 days. 
  7. In case the Policyholder is having another insurance covering the same loss, UIC shall contribute a rateable proportion of not more than 50% of the amount which is otherwise payable under this policy. 
  8. UIC has the right to investigate the loss/damage, in case of a claim. 
  9. All required clarifications, operational requirements, claims, settlement process and disputes should be handled directly between the Policyholder and the insurance company where etisalat will in no way participate. 
  10. For more details, complete terms, conditions and exclusions, please refer to the terms and conditions document provided on UIC’s website www.unioninsurance.ae. You can also contact Union Insurance Company call centre on the toll-free number: 800 UIC4U (84248). 
  11. Alternatively, for a detailed view of all terms and conditions, please click here
  12. Please ensure that you go through the terms and conditions before subscription.