Is your ring above your policy's item limit?

Home policies pay an unlisted item only up to a single item limit, and cap all valuables. Enter the figures from your schedule.

A worked example with Sukoon's limits

A ring worth AED 55,000, not listed, on a policy with AED 150,000 contents cover.

Check	Result
Single item limit AED 40,000	Counted up to AED 40,000. AED 15,000 above the limit.
Valuables cap one third of AED 150,000, with AED 60,000 of valuables	Cap AED 50,000. AED 10,000 above the cap.

Sukoon's wording says a claim "will not include any amount above" the single article limit if the item is not listed, and that valuables "shall not exceed one third of the total Sum Insured" unless the schedule states otherwise.

More in insuring rings, jewellery, the dress and gifts.

Sources

Home Umbrella Terms and ConditionsSukoon Insurance. Read 12 November 2026.
HomeSafe Sales BrochureAbu Dhabi National Insurance Company (ADNIC). Undated brochure. Read 12 November 2026.

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