Household Goods

Under this section you are insured against losses to your home contents, loss of it's use or loss of personal possessions in your home, as well as liablilty for accidents that may occur inside your home. Perils such as fire, theft, storm damage, bursting of pipes or geysers, and impact are examples of insured events.

Personal Liabilty

Under this section you are covered against fraudulent use of your credit cards, wrongful arrest, and indemity to you. We also pay you out should you achieve a hole-in-one at golf, or a perfect 8 in bowls.

Buildings

This section, also known as Home Owners, affords cover to your private home and any other buildings on your property. You are insured against losses to your home (building), loss of it's use as well as liablilty for accidents that may occur on the property.The perils covered include fire, storm damage, damaged caused by bursting pipes or geysers, or any damage to such buildings.

Personal Accident

Under this section, you are covered against death, permanent or temporary disablement, as well as medical transportation expenses up to certain amount which are stated in your policy schedule.

All Risks

Under this section we provide cover for items which are normally worn or taken out of the home, such as jewellery, cell phones, cameras, etc. There are two sections available, unspecified or specified. Specified cover insures items valued over a specified amount, which is indicated in your policy wording, such as cameras, jewellery, etc. Items over this amount will need a valuation certificate. Unspecified cover insures items individually valued at an amount less than the specifies amount. Items such as clothing which changes on a day to day basis would be covered under this section.

Electronic Equipment

Under this section we provide cover for all personal electronic equipment such as computers, laptops, etc. These items must be specified. These items are insured against accidental damage, theft and loss of data.

Motor

Under the motor section there are 3 different types of cover: Comprehensive cover is an all inclusive package that will insure your car against most risks and perils. You will be covered if it is stolen or broken into, as well as if you damage your vehicle in an accident. We will also pay for any any costs or expenses of a third party vehicle involved. Also includes towing and storage up to R5 000. Third Party, Fire andTtheft cover will protect you against theft, fire related damages and any damages you may cause to another persons car in an accident. It does not cover any damages to your own vehicle which you have caused. Third Party only covers all cost, expenses and damages which you have casused to another vehicle in an accient. It does not cover any damages to your own vehicle which you have caused.

Motorcycles

Comprehensive motorcycle cover protects you against theft, or any damages to your motorcycle. We will also pay for any any costs or expenses of a third party vehicle involved.

Caravan/Trailer

Comprehensive cover protects you against theft, or any damage to your caravan/trailer and any damages caused to a Third Party.

Watercraft

Under this section your boat/vessel is covered against accident, fire, loss or damage to the vessel, latent defect and theft. It also includes liability to third parties.

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