Let us help you find the BEST All Risk Insurance for your portable possessions.
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WHAT IS ALL RISK INSURANCE
All risk insurance protects items that you take out with you out of your home against all types of losses that includes damage and theft for an amount that you have stated on your policy schedule.
There are two types of options to choose from:
Unspecified All Risk Insurance – covers items valued at less than R1500 like
- 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:
- golf club
- smart phone
- smart watch
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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