CMFAS PGI Property & Household Insurance question: accidentally knocked over and shattered at home

CMFAS PGIProperty & Household Insurance

A ceramic vase is accidentally knocked over and shattered at home. Under which cover is this accidental breakage most likely to be paid?

A An all-risks policy, since accidental damage is covered unless excluded
B A named-perils policy listing only fire, lightning and theft of contents
C A basic HDB structural fire policy, since the vase was inside the flat
D A mortgagee's structural cover taken over the flat by the housing lender

Show the answer and explanation

Answer: A. An all-risks policy, since accidental damage is covered unless excluded

All-risks cover pays for accidental loss or damage from any cause except those specifically excluded, so accidental breakage is likely covered; a named-perils or structural fire policy would not respond.

Common mistake

Expecting accidental breakage to be paid under a named-perils or structure-only policy.

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CMFAS PGI Property & Household Insurance question: accidentally knocked over and shattered at home

Answer: A. An all-risks policy, since accidental damage is covered unless excluded

Common mistake

Related CMFAS PGI questions

CMFAS PGI Property & Household Insurance question: accidentally knocked over and shattered at home

Answer: A. An all-risks policy, since accidental damage is covered unless excluded

Common mistake

Related CMFAS PGI questions