Features Default cover period is one year and renewable afterwards.

However, you may elect for shorter cover period including Monthly, Quarterly and Semi-Annually. There are excesses that apply on the householder and motor parts of this product. An access is the amount you will have to bear on your own for each claim. This is to limit the number of small claims and reduce administrative expense.
Excess on Household and Motor Claims
Basic 20,000 Bronze 30,000 Silver 40,000 Gold 50,000 Platinum 60,000

Premium Paying Methods

Cash (to company cashiers only) Cheque. Direct Debit, E-payment.

Frequently Asked Questions (FAQs) 1. Can I Insure more than one car within a single policy? Answer: Yes you may insure as many cars as you have within one (1)policy, Provided they are driven by you or any member of your household. 2. My total house value is N20m, but I want the Bronze plan that limits my home value to N10m, what will be paid upon a claim for total loss? Answer: Our Maximum liability in the event of a claim on your home will be N10m, It is advisable to select a plan that adequately protects you against the actual risks you are exposed to. 3. Can I obtain covers for my home or motor above the limits in the plan specification? Answer: If the cover you require exceeds what your selected plan can offer, you may cover the excess as an extension to the offerings of your plan. 4. My house help lives with me within the same building. Is she covered against an accident she sustained on her way to the market on an errand of mine? Answer: Yes she is. According to the product definitions, she forms part of your household. 5. I can only afford to pay the premiums monthly. Is this allowable? Answer: Yes you may opt for a monthly cover. However, you will have a third party cover on your vehicle for a whole year. Cover will cease any month you cease to make payments due. 6. I just submitted a claim but I want my aggregate limit restored. How do I do this? Answer: All you need to do is to apply for a reinstatement of limit. There are forms you could use for this on our website. Payment for the reinstatement will be quoted to you upon application before you commit.

L-HAPPY BROCHURE
(LEADWAY HOME AUTO PPERSONAL POLICY)

Register Office: NN 28/29 Constitution Road, Kaduna. Corporate Office: 121/123 Funso Williams Avenue, Iponri, Lagos. G.P.O. Box 6437 Marina, Lagos. General Line: (01) 2700700 Customer Service Line: (10) 2800700. E-mail: insure@leadway.com, Website:www.leadway.com

GB/F/LH/44

Description of Product This product offers an individual policyholder an umbrella solution for covering the insurable risks to which his/her personal properties are exposed to. The coverage includes. Household building and/or contents (Base coverage) Motor (Mandatory Rider) Personal Accident (Mandatory Rider) Legal Occupiers liability (Mandatory Rider) The products aim is to encourage persons with a collection of household assets who would otherwise be discouraged by the individual risk ratings/pricing, to pool them together within a cover that recognizes the risk diversifications and thus save on premiums. Covers provided are to the limits within the bands chosen. Personal assets can be covered so that total assets declared could exceed the limits within the selected plan. However, every benefit paid under any risk covered reduces the cover limit to the extent of benefit amount until the cover limit is exhausted or the policy period ends. The Policyholder may, however, choose to reinstate cover. Benefits The table below, states the aggregate limits per cover for each plan option,

Pricing
Prmium Payable
Basic Total Annual Premium 72,394 Bronze 142,626 Silver 218,390 Gold 287,478 Platinum 369,694

For premiums other than annual, first premium payable in the year shall include the full year third party premiums due on each vehicle covered. As an illustration, monthly premiums payable by a policyholder with 2 vehicles covered within a basic plan is calculated thus: Total Annual premium: N72,394; Third party premium on 2 vehicles: N10,000; First month Premium: N15,672; premium payable in subsequent 11 months: N5,672

The product offers you a comprehensive motor cover for all vehicles that you have declared and listed on you proposal form. This cover provides the benefits in the event of: Theft of the motor vehicle Damage to the motor vehicle by impact or fire

Cover
Basic Comprehensive Motor Cumulative annual Limit of N5M n /a Cumulative annual Limit of N500,000 Cumulative annual Limit of N5,000 daily for 10 days Cumulative annual limit of N500,000 Cumulative annual limit of N100,000 Fixed amount of N500,000 Limit of N10M Bronze Cumulative annual Limit of N10M Cumulative annual Limit of N15M Cumulative annual Limit of N1M Silver Cumulative annual Limit of N15M Cumulative annual Limit of N25M Cumulative annual Limit of N2M Gold Cumulative annual Limit of N20M Platinum Cumulative annual Limit of N25M

Claims from third parties for death, injuries and damage to their property by the driver while driving the vehicle. Maximum claim amount payable on damage to third party property is N1,000,000. Towing cost of vehicle following an accident, limited to N40,000 Free installation of tracking device for any one vehicle above N3M subject to policy conditions Perils covered for the household building and content cover includes: Fire, Lightning, Limited Explosion, Earthquake or volcanic eruption, malicious damage, Strike & Riot, Flood & Storm, and Impact. Benefit payable is a cash reimbursement of the property up to the limits of the plan. Should you or any member of your household (household members covered should be declared at proposal) suffer an accident that requires medical attention, the product will reimburse medical expenses incurred, subject to the maximum in the plan. If the accident results in a permanent disability, the product will pay a fixed benefit based on the plan selected. If the accident results in a death, the product will pay a fixed benefit based on the plan selected. Your household includes your spouse, children, house help(s) and relative that reside with you. Should you suffer a legal liability as a result of an injury to a visitor, other than a household member, the product will reimburse the expenses due, up to the maximum covered in the plan. The product is designed to provide the statutory minimum liability cover required for every occupier and constructor of property.

Householder Building Householder Content Alternative accommodation on building damage Accidental total and permanent disability of a Household member Accidental Medical expense of household member Accidental Death of household member Public Liability

Cumulative annual Cumulative annual Limit of N55M Limit of N35M Cumulative annual Cumulative annual Limit of N5M Limit of N3M Cumulative annual Cumulative annual Limit of N20,000 limit of N25,000 daily for 10 days daily for 10 days

Cumulative annual Cumulative annual limit of N10,000 daily limit of N15,000 for 10 days daily for 10 days Cumulative annual Limit of N1,000,000 Cumulative annual limit of N200,000 Fixed amount of N1,000,000 Limit of N10M

Cumulative annual Cumulative annual Cumulative annual limit of Limit of N1,500,000 limit of N2,500,000 N2,000,000 Cumulative annual limit of N300,000 Fixed amount of N1,500,000 Limit of N10M Cumulative annual Cumulative annual limit of limit of N500,000 N400,000 Fixed amount of N2,000,000 Limit of N10M Fixed amount of N2,500,000 Limit of N10M