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					Terms and Conditions for Complimentary Home Insurance Promotion

1.   Complimentary NTUC Income Home Insurance is applicable to IKEA members (‘friends’)
     only.

2.   The promotion period is valid from 1 August 2010 to 30 June 2011.


3.   Applicants who are already covered under Home Insurance (whether with NTUC Income or
     other insurance providers) may still apply for the promotion.

4.   For homeowners, period of the complimentary Home Insurance cover is 6 months, with a
     sum insured on Renovation and Contents of $50,000 and $5,000 respectively.

5.   For tenants, period of the complimentary Home Insurance cover is 6 months, with a sum
     insured on Contents of $5,000.

6.   friends will have to register online via NTUC Income’s website, IKEA friends’ website, or
     IKEA friends’ counter (available at both Alexandra and Tampines IKEA stores) in order to
     qualify for the complimentary Home Insurance.

7.   All successful applications must be submitted and received by NTUC Income no later than
     31 July 2011.

8.   Complimentary Home Insurance cover will commence on either the 1st of the following
     month, or 15th of the same month; depending on the date of submission of application
     form.

     Applications that are submitted between the 1st and 14th (inclusive), cover will commence
     on 15th of the same month. Applications that are submitted between 15th and 30th or 31st
     (inclusive), cover will commence on 1st of the following month.

9.   IKEA friends membership number can only be used once to apply for complimentary Home
     Insurance.

10. The complimentary Home Insurance is not exchangeable for cash or in kind. IKEA shall not
    be liable to any policyholder or any party, whether in contract or tort (including negligence)
    or otherwise, for any liabilities, losses and damages, claims costs and expenses or for any
    special or consequential damages or losses in connection with, related to or resulting from
    the complimentary Home Insurance.

11. NTUC Income shall not be liable to any policyholder or any party, whether in contract or
    tort (including negligence) or otherwise, for any liabilities, losses and damages, claims
    costs and expenses or for any special or consequential damages or losses in connection
    with, related to or resulting from the purchased IKEA item(s) or its replacement item (if
    any).
12. NTUC Income shall not be responsible for the merchantability, quality or the fitness for any
    purpose or any other aspects of the purchased IKEA item(s) or the replacement item of the
    complimentary Home Insurance.

13. NTUC Income reserves the right to change the Terms and Conditions of this promotion
    without any prior notice to the policyholder.


IMPORTANT NOTES
You are advised to read the Policy Contract for the full list of exclusions. This is for general information
only and is not a contract of insurance. The precise terms, conditions and exclusions of this plan are
specified in the Policy Contract. Please visit www.income.com.sg/promo/ikea to read a copy of the Policy
Contract.

Home Insurance plan is underwritten by NTUC Income.

Information is correct as of 28 January 2011

				
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