Fidelity United Home Insurance

Its product called ‘Manzil’ is specifically designed to meet all your home protection needs.  Whether you’re looking for dependable coverage or exceptional service, Fidelity United home insurance offers flexible, tailored solutions to fit your specific needs.

Types of Fidelity Home Insurance Plans

Fidelity United offers one main home insurance plan designed to offer comprehensive protection tailored to meet all your home insurance needs.

Manzil Insurance is designed to provide comprehensive protection for your home under a single, convenient policy. This affordable Fidelity United home insurance plan provides comprehensive coverage for your home contents and personal belongings. It also comes with the option to add extra protections such as building cover and domestic workers’ accidents.

Additionally, the plan offers benefits like protection against loss of rent or costs for alternative accommodation, and tenant's liability. 

Key Features and Benefits of Fidelity United House Insurance

Mentioned below are the key features of this Fidelity home insurance plan in UAE -

• Affordable:  Offers competitive pricing without compromising on the quality of coverage, making it accessible for various budgets
• Comprehensive Coverage: This plan covers your home, its content, personal belongings, domestic helpers, and risks such as accidental damage and loss
• Customisable Options:  You have the flexibility to get additional coverage and specifically tailor the policy to your requirements
• Clear Terms: Transparent and straightforward terms and conditions for clarity and helping you understand exactly what is covered
• Valuable Protection: The coverage of this Fidelity home insurance policy includes protection for valuables and portable equipment, personal money and credit cards, and loss of important documents like passports and work permits
• Emergency Support: Benefits such as coverage for loss of rent or cost of alternative accommodation, replacement of locks and keys, and spoilage of food in a deep freezer ensure that you're well-supported in various situations
• Domestic Helpers: Provides personal accident coverage for domestic workers, adding an extra layer of security for household staff

Why Buy a Fidelity Home Insurance Policy in the UAE?

Fidelity United Home Insurance in UAE offers you several benefits -

1. Trusted Experience: With decades of industry experience since 1976, Fidelity United is a name you can trust for reliable home insurance coverage in the UAE.
2. Tailor-Made Policies: Whether you are a homeowner or a tenant, you can select or customise the coverage to fit your insurance plans.
3. Clarity and Transparency: The policies come with clear terms and conditions — you know exactly what is covered and how claims are handled.
4. Flexible Solutions: Whether you need basic coverage or a more extensive plan, the company offers flexibility to meet your unique requirements.
5. Enhanced Support: You can benefit from features like coverage for loss of rent, replacement of locks, and spoilage of food, which adds extra layers of security and support in various situations.
6. Quick Settlement: Fidelity United is known for swift claim processing, which helps you avoid financial strain caused by any unfortunate event.
7. Impartial Recommendations: In the event of a claim, the Fidelity United claims staff guide you through the entire procedure. The highly qualified claims team swiftly responds to your claim notification and any claims inquiries to give you the finest service standards.

What is Covered Under Fidelity United House Insurance?

In this section, we will see the coverage under the Fidelity United home insurance policy as well as some special exclusions -

1- Contents

• Home Contents

Coverage Type	Description	Applicable Limits
Contents While in Home	Coverage for any loss or damage to contents within the home	NA
Contents Temporarily Removed	For cleaning, repair, renovation or any other similar task elsewhere on the same premises within the geographical limits	Maximum payable amount — up to 20% of the Sum Insured for Contents
Contents in the Open	While the contents are in the open but within the boundaries of the land of the insured home	Maximum amount — up to AED 2,500 in total

• Loss of Rent or Cost of Alternative Accommodation

Cover	Description
General Cover	If the home is damaged and rendered uninhabitable, the policy covers the loss of rent or rent allowance for alternative housing
Additional Expenses	Covers reasonable expenses for alternative accommodation during the time when the home is being restored to a habitable condition

• Keys

Cover	Description
Replacement Cost	Covers the cost of replacing locks and lock mechanisms if keys to external doors, domestic safes, or alarm systems are stolen
Limitations	Up to the maximum amount in the policy

• Spoilage of Food in Deep Freezer

Fidelity United home insurance also covers the loss or damage to food in deep freezers due to -

• Sudden increase or decrease in temperature
• Electricity supply failure
• Contamination due to refrigerant or its fumes

However, this cover also has certain exclusions, i.e. events that are not covered -

1. Deliberate action by the power supply authority or its employees to cut off or reduce the supply
2. Switching off or disconnecting the electricity supply, whether accidental or otherwise
3. The home is unoccupied

• Fatal Injury Benefit

Tenant’s Liability

This Fidelity home insurance cover provides financial protection to the policyholder against various types of damage for which they are legally responsible as a tenant.

The coverage includes -

• Accidental damage to cables, underground pipes, septic tanks, and drain inspection covers
• Accidental breakage of fixed glass within the building such as that within —
  • Solar panels
  • Lavatory pans
  • Fixed baths
  • Shower trays
  • Bidets
  • Washbasins
  • Pedestals
  • Shower screens
  • Sinks
  • Cisterns

Note: The policy also covers loss or damage to the home as well as the fixtures and fittings caused by a range of incidents made by you (the landlord).

The list includes -

• Fire 
• Theft or attempted theft
• Smoke
• Explosion
• Earthquake
• Lightning
• Storm and flood
• Water running from tanks, pipes, or fixed apparatus
• Heating fuel leakage from a fixed heating installation
• Malicious individuals or vandals
• Collision by vehicles, aircraft, animals, or dropped articles
• Damage caused by falling trees or branches
• Falling radio or television aerials (including satellite dishes and their fittings)
• Riots, strikes, civil commotions, and labour disturbances

2- Building

This Fidelity home insurance coverage applies only when specified in your policy and provides comprehensive coverage for the physical structure of your home.

Buildings and Landlord’s Furniture, Fixtures, and Fittings

Covered causes of loss -

• Flood and storm 
• Civil unrest, strikes, labour unrest, and riots 
• Fire, explosion, smoke, or earthquake 
• Malicious individuals or vandals 
• Collision by animals, aircraft, vehicles, or falling objects 
• Loss resulting from home appliances, fixed heating installations, apparatus, water tanks, or pipes 
• Water freezing in tanks, pipes, or apparatus 
• Leakage of heating fuel from a fixed heating installation 
• Theft or attempted theft that involves violent entry or exit from the building 
• Falling radio and television (including satellite dishes), their fittings, and masts 
• Falling trees or their sections 

Additional Coverage (When Claim is Accepted)

Coverage Type	Details
Architects and Surveyors' Fees	Fees mandatorily incurred for the building’s reinstatement  Amount payable — as directed by the concerned professional institute
Cost of Removing Debris	Includes demolishing, shoring, or propping up damaged parts of the building Must be incurred with the company's written consent
Additional Cost of Reinstatement	Costs incurred to demonstrate compliance with statutory, building regulations, or municipal/local authority bylaws

Damage to Services

With this Fidelity home insurance cover, you get financial protection against accidental damage by external means to -

• Cables or underground pipes going to or from the building
• Septic tanks and drain inspection covers

Breakage of Fixed Glass and Sanitary Fixtures

You get covered for accidental breakage of fixed glass of the building, including -

• Shower trays
• Bidets
• Washbasins
• Fixed bathtubs
• Shower screens
• Pedestals
• Sinks
• Toilet pans and cisterns (along with their fixtures and fittings) 
• Splashbacks
• Solar panel units

The Property Owner’s Public Liability

Covers your legal liability as owner of the building for damages and claimants' costs and expenses regarding -

• Accidental death or bodily injury to any individual
• Material property’s accidental loss or damage within or about the building

3- Domestic Helpers

Under this Fidelity United home insurance cover, you will get coverage if a domestic helper employed by you (added in the policy) incurs any body injury in an accident.

Benefit Type	Limit
Death or Permanent Total Disablement	AED 30,000
Medical Expenses	AED 10,000
Repatriation Expenses	AED 5,000 For funeral expenses and/or transporting the insured individual to their country of residence in case of death or permanent total disablement due to the accidental injury

Special Exclusions

No coverage is provided for claims related to -

• Hazardous activities and roles
• Self-inflicted injury or disease
• Individuals who were younger than 18 years or above 65 years when the incident happened
• Intoxicating liquor or drugs

4- Personal Belongings

Note that each cover is applicable only if it is mentioned in your Fidelity Home Insurance plan.

Personal Belongings, Valuables, and Portable Equipment

You will get covered for loss or damage to personal belongings, valuables, and portable equipment due to accidental means.

• Coverage — up to the sum insured amount as per the Policy Schedule
• Cover applicable only within the specified geographical limit 
• No single item within these categories should exceed the Single Object Limit specified unless approved by the company

Personal Money and Credit Cards

This covers the loss or damage to personal money and credit cards due to accidental means. However, certain conditions may apply -

• The coverage is within the geographical limit
• Credit cards are insured only against misuse by unauthorised persons following the loss or theft of it provided that you have notified the card company and complied with the card’s terms.

Loss of Passport, Residence Permit, Work Permit, and Driving Licences

Under this Fidelity home insurance cover, you can get reimbursed for the cost of replacing lost or damaged residence permits, passports, work permits, or driving licences.

Note that the maximum reimbursable amount per document and the total aggregate amount for all the documents can vary on an individual basis.

Conditions

• You must cover the first AED 100 of each loss
• Reimbursement includes costs for 
  • Duplicates
  • Fines and penalties
  • Advertisement fees (if applicable)
  • Other expenses paid by you (bills necessarily required)
• This cover applies only to you, your spouse, and up to 2 children residing with you
• Fidelity United will not cover renewal or extension costs of the lost or damaged document which would have been incurred if there was no loss

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What is Not Covered in the Fidelity Home Insurance?

Here are the major risks not covered by the home insurance policy of Fidelity United -

• Political Risks - Loss or damage from political events like mutinies, civil unrest, or actions by groups trying to overthrow a Government or influence it through violence.
• Cyber Risks - Losses (directly or indirectly) due to damages or losses regarding computer systems, software, microchips, hardware, and others are not covered.
• War and Terrorism - Damages due to wars, acts of foreign enemies, hostilities, invasions, civil wars, revolutions, civil commotions, rebellions or related activities are not covered. 
• Nuclear Risks - Legal liabilities or damages resulting from radiation or contamination by nuclear materials, including nuclear waste or weapons, are excluded.
• Communicable Disease - Fidelity United home insurance doesn’t cover claims related to loss, damage, claim, cost, or expense arising from, or associated with, a Communicable Disease or the fear of such a disease.
• Sonic Bangs - Damages caused by pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speeds are not covered.
• Cyber Exclusions - This policy does not cover any damage from malicious or negligent transfers of computer programs containing harmful code like viruses, worms, logic bombs, or trojan horses.

Important: Additionally, the policy excludes any actions taken to control, prevent, or suppress the risks mentioned above.

If the company claims that a loss is not covered due to these exclusions, you must prove otherwise. If any part of these exclusions is found to be invalid, the rest of the exclusions will still apply.

How to File a Claim with Fidelity United Home Insurance?

To file a claim under Manzil Insurance, you can contact the Fidelity claims department and follow these steps:

1. Report the Incident - Submit the completed and signed claim form with the required documentation to raise your claim.
2. Claim Processing - Once you submit your claim, Fidelity will start the claim process and check the record details of the incident. The company will assess your claim and email you in case any additional information is needed to finalise. 
3. Settlement - After getting the approval, you will receive the claim payment or any decision regarding your claim.

Documents for Fidelity United Home Insurance Claims

To speed up the claim process, keep the following documents ready -

• Completed claim form 
• Contact details 
• Police report (in case of theft and recovery claims)
• Purchase invoices
• Proof of loss (photographs can be used as evidence) 
• Claim bill
• Letter of reservation issued against the accused party (if appropriate)

Fidelity House Insurance Contact Details for Claims

• Phone: Call the UAE toll-free number 800 842
• Email: customercare@fidelityunited.ae

Fidelity United Home Insurance Contact Details

• Dubai -

Type of Office	Address	Phone Number	Mail ID for General Inquiries
Head Office	The Opus Tower, Block B, Office B703, Business Bay, Post Box 1888, Dubai, UAE	T: +971 4 2502501 F: +971 4 2502504	customercare@fidelityunited.ae

• Other Branches -

Emirate	Address	Phone Number
Abu Dhabi	Bloon Central Building, 4th Floor, Office No. 407, Airport Road, Al Manhal, Al Tibbiya, Abu Dhabi	T: 800 842 F: +971 2 6263526
Sharjah	City Gate Tower, 19th Floor, Office 1903, Etihad Road, Sharjah, UAE	T: 800 842 F: +971 6 5681586
Fujairah	Fujairah Tower, Office No. 704, Fujairah, UAE	T: 800 842 F: +971 9 2220294
Ras Al Khaimah	Fidelity United Building, Al Dhaith South, Ras Al Khaimah, UAE	T: 800 842 F: +971 7 2353213

Note: To connect via email, you can use this mail address — customercare@fidelityunited.ae.

Frequently Asked Questions