This new benefit is in partnership with bolttech, sponsored by ASSA ABLOY Opening Solutions Singapore Pte. Ltd and underwritten by Liberty Insurance Pte Ltd. It requires no pre-registration.
How does it work?
You don’t need to apply to get Yale Protect. With any purchase of a Yale Smart Lock or Bundle Sales on yalesmart.com/sg or at Yale Smart Shops, you are eligible to get complimentary 2 year Yale Protect protection in addition to the 2 years warranty.
To understand more about your Yale Protect coverage and exclusions, you may download the terms and conditions by Liberty Insurance Pte. Ltd. below.
It is a 2 year insurance plan which ASSA ABLOY Singapore Pte Ltd (“Yale Home Singapore”) provides free of charge to all customers who purchase a Yale Smart Digital Lock either online at yalesmart.com/sg or at Yale Smart Shops. The coverage will commence immediately after successful installation of the lock to the door and/or gate of your residence.
2. What is the Coverage and Extension?
The Coverage is as follows: -
This Policy insures against accidental loss or damage to the insured locks arising from any external cause not otherwise excluded by the Policy.
Locks Replacement & Repairs (up to the S$ value of the lock)
Up to S$1000 per annum
Up to S$1600 per annum (sub-limit of S$1000 per article
a) Door Extension Benefits In the event of a loss or damage to the insured lock resulting in the door/gate on which the lock is installed having to be replaced or repaired, the insurer agrees to pay additional reasonable expenses up to the value of the lock for the replacement or repair of the door/gate subject to the following:-
Limit of Indemnity (Per Annum):
Plan A (individual): up to S$1000
Plan B (bundled): up to S$1600
b) Alternative Accommodation Cash Benefits In the event of a loss or damage to the insured lock resulting in the building/house being unhabitable, the insurer will pay the Cash Benefits of alternative accommodation subject to the following: -
Limit of Indemnity: S$400 per day up to S$2000 per annum
Maximum Period of Indemnity: 5 days
Excess: 48 hours from the time of notification of damage
Subject otherwise to the terms, conditions, and exclusions of the Policy.
3. Will the Policy take effect from the sales order date or from the installation date?
The Policy will only commence upon successful installation of locks for sales order starting on 1st July 2022.
4. Is the insurance applicable to commercial building sales?
No, the free insurance is only applicable for locks purchased for residential use only.
5. What does time excess means?
It means that the Policy will only cover expenses from the 48th hour onwards from the time of notification of the damage.
6. Who is the insurer?
The insurance is underwritten by Liberty Insurance Pte Ltd (“Liberty”) and arranged through bolttech Digital Solutions Holdings Limited (“bolttech”).
7. Do I get a choice to sign up to the Plan?
All Yale Smart Digital Locks valued up to S$1000 will be enrolled in Plan A (individual) and all bundled sales of Yale Smart Digital Locks valued up to S$1600 will be enrolled under Plan B (bundled). Value is defined as the actual price paid after discounts, if any. To enjoy the free insurance, you must indicate acceptance of the privacy notice.
8. How does it work?
You don’t need to apply or pay for this benefit as it is automatically enrolled upon you accepting the privacy notice and will be in force upon successful installation of the lock/s. The insurance is provided free from ASSA ABLOY Singapore Pte Ltd (“Yale Home Singapore”).
9. Will there be a separate Policy document sent to me?
No there will not be any Policy document sent to you. But an email will be sent to you to confirm the coverage upon successful installation.
10. I’m moving to a new house and want to bring my lock to my new place. Will the insurance continue?
Yes, the insurance will carry on for the balance of the 2 years provided the lock is installed at your new place by an authorized Yale installer. You are required to update the new address with ASSA ABLOY Singapore Pte Ltd (“Yale Home Singapore”) by contacting Yale Hotline at +65 6591 8868.
11. Why is there a sublimit of up to S$1000 for Bundled Plan? How does it apply?
This is to facilitate the repairs and/or replacement of the 2nd lock that is covered under the bundled plan.
The sublimit per article is applicable only to bundled plan where there are two locks with a limit up to the value of the bundle still applicable.
Eg The door and gate Yale Smart Digital Locks totals S$1500. The first claim of S$700 is incurred for the door lock. Subsequently, another repair of S$400 is required for the same door lock within the same year. Thus, the sublimit of S$1000 has been reached for the door gate Customer will be required to top up $100 in this case. The balance of S$500 (S$1500-S$1,000= S$500) can only be used for the gate lock in the event of further insured damages.
12. I can’t find the Job ID number or know where to find it?
You may refer to the warranty certificate email sent by:-
You will find both the Job ID and the receipt number on the warranty certificate. Alternatively, you can call Yale Hotline at +65 6591 8868 to enquire.
13. Will the Policy terminate after I have made a claim in the first year?
No. The Policy limit will be reinstated to the original limit in the 2nd year of the Policy.
Claims Related FAQ
a) What must I do in the event of a damage to my lock?
You must notify Yale Home Singapore as soon as you are aware of a claim happening by calling the Yale Hotline at +65 6591 8868 during office hours. Next, download the claim form from Yale Protect’s website, complete the claim form, and submit it to both Liberty and bolttech.
b) How do I know if my lock will be covered under warranty or under insurance?
We would suggest that you call the Yale Hotline at +65 6591 8868 during operation hours with your enquiry. The customer service staff will be able to assist you.
Generally, the warranty covers the cost of repair and replacement against any manufacturing defects in material while the insurance will cover the cost of repair and replacement due to insured events such as fire, water damage, break-in and accidental damage (external cause).
c) What document do I have to furnish in the event of a claim?
You are required to download and email the completed claim form together with the following as & when necessary:-
Pictures/video of the damages
In the event of a break-in, a police report will be required
In the event of replacement, a service report by a Yale authorized technician is required
A copy of the tax invoice for the original lock and new lock is required
ci) For claims under Extension Coverage A for repair or replacement of gates and doors:
Call Yale Hotline at +65 6591 8868 to register the claim
Please contact your own contractor to repair the door/gate first
Arrange a date for a Yale authorized technician to install the new lock
Follow steps above on (c)
Submit a tax invoice of the new door/gate
This extension benefit is payable provided that the door/gate is damaged resulting from the damage to the lock that requires repair/replacement.
cii) For claims under Extension Coverage B for alternative accommodation:
Call Yale Hotline at +65 6591 8868 to register the claim in view of the 48hr time excess
Follow steps above on (c)
Please note that this benefit will only be payable upon approval from the insurer
This extension benefit is payable provided that there is damage to the lock that requires repair/replacement, and the house becomes unhabitable.
d) Can I ask for a replacement should I accidentally scratch my lock panel?
Cosmetic repairs will not be covered as it does not affect the function of the lock.
e) How do I file a claim?
Please download the claim form from Yale Protect’s website and submit the completed form to bolttech & Liberty.
For clarification, you may call the Yale Hotline at +65 6591 8868 or bolttech Hotline at +65 3163 7328 to assist you with the claim from 9-5pm, Monday to Friday.
f) When do I have to submit the claim form to Liberty?
Notification of a claim should be done as soon as you are aware. The claim form must be submitted with all detailed proof and particulars within 15 days of the claim occurrence.
g) Questions on claims scenarios?
i) I accidently scratched the lock body whilst moving furniture, is it covered under insurance? As long as the scratches do not affect the function of the lock, cosmetic repairs will not be covered.
ii) Water condensation on lock casing is causing the lock to malfunction, is it covered underinsurance? The cause of water condensation must be established to be from accidental external causes in order for the claim to be admissible, e.g. due to a water pipe burst leading to water seeping into the lock and causing damage.
iii) The battery has burnt and leaked, causing the lock to malfunction, is it covered underinsurance? Usually, the battery does not burn or leak by itself, and there are instructions to owners on the specific type of battery to be used. If the damage is due to the owner’s negligence of not using the proper battery, it will not be deemed as accidental damage, and will not be covered by the insurance.