ALL RISK INSURANCE
Want to Know a little about All Risk Insurance? Let us tell you.
All Risk Insurance covers your personal belongings against loss, theft, or damage, both in and outside of the country. This type of insurance typically includes items like jewelry, laptops, smartphones, and other portable valuables.
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All Risk Insurance for the things you cherish
Everyone treasures something special they never want to lose or damage. Whether it’s a new laptop, or a high-end camera, protecting these prized possessions is crucial. All-risk insurance ensures you’re covered, no matter what your valuable item may be.
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Consulting with an experienced insurance broker ensures you receive personalised advice and comprehensive insights into coverage options that best suit your unique circumstances.
Why not tell us what you want to insure
*You will need to insure home contents together with All Risk Insurance, meaning you cannot for example, insure your cellphone without insuring all your belongings under Home Contents Insurance.
More about All Risk Insurance
All-risk insurance covers items you take outside your home against all types of losses, including damage and theft.
There are two types of All Risks Insurance options to choose from:
Unspecified All Risk Insurance – covers items valued at less than R1500 like
Jewellery
Sunglasses
Contents of your handbag
As the items change from day-to-day it would be impractical to list them each time you need them covered.
Specified All Risk Insurance – covers items valued at more than R 1500 per item If it’s valuable to you, you need to specify its value.
Items that you are likely to get insured would be the following:
Bicycle
Golf clubs
Laptop
Smart phone
Smart watch
*You will need to insure home contents together with All Risk Insurance, meaning you cannot for example, insure your cellphone without insuring all your belongings under Home Contents Insurance.
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All Risks
All Risk Insurance
How much should I insure my valuables for?
It is important that you insure your valuables for what it would cost you to replace them with the same items today. If you find your item is no longer manufactured, choose the closest model up from that. If you’re still unsure.
If I accidently damage my specified item, is it covered?
Any item for which you buy All Risk Insurance Item cover (i.e. not part of a home contents policy) is covered for accidental damage.
Do I need to send through invoices or valuation certificates when insuring individual items?
This is normally required at the claims stage, but it’s not a specific requirement that you send them to us when you take out a policy.
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