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ALL RISK

INSURANCE.

Let us help you find the BEST All Risk Insurance for your portable possessions.

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QUESTIONAIRE

Tired of long insurance telephone calls?? Fast track this process by completing the form below. Saves you at least 10 minutes instead of being on a call. Come on you are a digital person, right?

    About you
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    If you have been referred through an agent please make sure you add the Agent Code here for you to enjoy any further benefits.

    Want to sign up as a referral agent?
    Click Here.
    We won't share your information with anyone unlawfully.
    We can't give you an accurate quote without knowing your ID or passport number.
    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the more likely you are to go out at night than an older person, which means a little more risk for insurers.
    people
    MaleFemale
    XINIX needs to know your occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.
    check
    Yes
    We can't give you a quote without your permission to do an ITC check. This is a requirement by all insurance companies in South Africa. A good ITC record will discount your premiums.
    assessment
    YesNo
    It is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.
    checkroom
    YesNo
    Have you been sequestrated, it is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.
    Your Address
    We need to know the address you park your car during the day and during the night.
    Your Items
    ITEM_{{r1_index}}
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    Specified items allows you to list individual items on your policy, and specify their individual value*. Specified items normally include jewellery, hearing aids, bicycles, cameras and other valuables. Each item is covered up to the amount you insure it for.

    Unspecified - this is an umbrella style cover which allows you to select a total amount that your personal effects will be covered for each year. There is no need to list each item individually.

    Your Claims
    Currently Insured?
    Do you currently have insurance?
    Current insurer you are with.

    pending_actions
    YesNo
    Is this the first time you are taking out insurance?
    pending_actions
    YesNo
    Did you have cover for the last 39 days?
    pending_actions
    YesNo
    Did you have cover for the last 3 months?
    Any claims in the last 7 years?
    Claims in the last 7 years.
    What type of claim did you have?
    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.
    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.
    Any Insurer Rejected Your Claim?
    Any insurer ever rejected your claim?
    Finish up
    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.


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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

    • 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 club
    • laptop
    • smart phone
    • smart watch

    FAQs

    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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