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Personal > Home Insurance >Premier Client Solutions (PCS)


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It does not matter if you are an expatriate renting a house in Singapore, or a local homeowner.

One of the traits that both have in common is that your home, is your personal sanctuary. This is where the Premier Client Solutions (PCS) comes in to help protect your home contents, valuables and prized items such as your home theatre system, personal collections and valuables which include jewellery, antiques, artwork, paintings, wine collection, high-end limited edition watches, and expensive handbags.

PCS offers you the choice of a packaged plan or customising one to suit your home contents insurance needs. Unlike common off-the-shelf products, which may only offer cover for fire and specified perils, PCS provides all risk comprehensive worldwide coverage for your home contents and valuables.

Whether you are travelling for business or leisure, you risk losing your valuables to pickpockets, accidental damage or a pipe bursting at home when our home is unoccupied.

Mishaps may occur in your homes - a pipe burst drenching and damaging your designer gown or an unexpected power outage resulting in food spoilage. Such unfortunate accidental events are also covered under PCS “all risks” homeowner insurance policies.

Dedicated 24-hour PCS and claims hotline: 6419 3099

Key Benefits of Premier Client Solutions (PCS):

Bespoke worldwide coverage

We know there is never a one-size-fits-all solution when it comes to protecting your home and your valuables. Let us work with you to tailor a coverage that suits your needs.

All Risk coverage

Enjoy broader and comprehensive coverage and protection against any physical loss or damage to your home, contents and valuables (specific exclusions apply in some instances).

New for old cover

You will not be disadvantaged by depreciation to your personal property if you make a claim in the event it is damaged, lost or broken. Cover will be on “new for old basis”.

Worldwide coverage for your home content

We recognise that home contents cover is more than just insuring your furniture and home appliances, PCS would also includes cover for your belongings such as expensive designer clothing and jewellery that you may bring along with you on overseas trips. Your home contents and belongings will be covered anywhere in the world with our comprehensive worldwide coverage, so you don’t have to worry when you are away from your home or on an overseas trip.

Food Spoilage

You will be reimbursed up to S$5,000 for food spoilage due to interruption of power or mechanical breakdown of your refrigeration units.

Lock Replacement

You will be covered up to S$2,500 to replace the locks and keys and card keys lost, damaged or stolen at your residence, as well as any electronic locking device in your car.

Alternate accommodation for you and your family (including your pets)

If a covered loss makes your residence uninhabitable, we will cover any reasonable costs incurred by you for alternate accommodation, so that your standard of living isn’t compromised. This also includes reasonable costs incurred to board your pets.

Valuable articles

You will be covered for loss or damage due to fire, theft or breakage of covered valuable items, anywhere in the world, with no deductibles applied.

Scheduled Valuable Article: Your valuables will be insured for its actual value. In the event of a total loss, you will be paid the agreed sum insured.

Unscheduled Valuable Article: Hassle free. Your valuable articles will be insured on an unscheduled basis with a per article limit basis. In the event of a covered loss, you will be paid the replacement cost of each item up to the per article limit.

Coverage for Loss in Market Value: In the event of a partial loss, you will be paid the full restoration or repair cost. Should the value diminish after the repair or restoration, you will be paid the difference up to 25% of the schedule sum insured.

This basis of coverage is typically not provided in most standard home insurance policies, which may leave you under-protected.

Personal liability

You will be coverd for your legal obligations towards a third party for any personal injury or property damages anywhere in the world.

Your Liability as the Landlord
You will be covered up to the personal liability limit for which you are legally liable to pay as the owner of the residence as a result of:
     • bodily injury to or death of the tenant or any third party within the residence
     • loss or damage to the tenant or third party’s property within the residence

Your Liability as the Tenant (Up to $100,000)
You will be covered for damages which you are legally liable to pay to your landlord as a result of loss or damage to the building, additions and alterations or contents belonging to the landlord during your tenancy period.

*PCS is underwritten by AIG Asia Pacific Insurance Pte Ltd

Contact ARF today to find out more about PCS cover at contactus@arf.com.sg and 6717 1111.

Claims example from Premier Client Solutions (PCS)

Medical treatment leading to ring damage

While at a beach, a PCS policyholder fell and accidentally twisted her finger when a wave crashed into her.

Medical consultation was sought immediately and the doctor recommended removing the ring by cutting it in order to proceed with the necessary medical treatment for her swollen finger.

In view that the removal of the ring was crucial for the treatment of the insured’s swollen finger, hence the cost of repairing the ring was covered under the PCS policy.

The cost to repair the ring was S$5,700 with no further deductible as it is a scheduled article insured in the policy.

pcs case1

Accidental spill resulting in damaged handbag

A PCS policyholder’s branded handbag that was placed in a protective bag and kept in the wardrobe was damaged by leaking fluid from a dehumidifier sachet.

The fluid seeped through the protective bag and got in contact with the handbag. When discovered, the protective bag was still filled with the fluid.

Both the retailer and repairer enquired confirmed that restoration of the handbag is not possible as the leather had been damaged by the chemicals in the fluid.

The damaged bag was assessed under the Contents coverage of the PCS policy with settlement based on replacement cost at S$ 4,100 (net of deductible S$200).

pcs case2

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