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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.

We’re Passionate About Insurance Helping Clients Since 2012 

Our company has been providing insurance solutions for over a decade, ensuring reliable coverage and customer satisfaction.
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Comparative Quotes

We offer comparative insurance quotes, providing detailed analyses of cost, coverage benefits, and policy terms. This empowers you with the information you need to make informed decisions.

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Expert Advice

Consulting with an experienced insurance broker ensures you receive personalised advice and comprehensive insights into coverage options that best suit your unique circumstances.

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All Risk Insurance

Why not tell us what you want to insure

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

    About you






    Read me 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}}





    Read me 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.







    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

    N

    Jewellery

    N

    Sunglasses

    N

    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:

    N

    Bicycle

    N

    Golf clubs

    N

    Laptop

    N

    Smart phone

    N

    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.

    Home Contents Insurance

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    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.

    Our Client Education Quizzes

    Think you can out smart these questions?? Hmm, let’s see if you can?

    Insurance 101

    Insurance 201

    Life Insurance 101

    Fun

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    1 votes, 5 avg
    10

    Personal Insurance Quiz 101

    10 Quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    What does the insurer mean when they ask if I am the regular driver of my vehicle?

    2 / 10

    What type of cover do I need to take out for vehicle for mechanical and electric breakdown?

    3 / 10

    Why do insurers do an ITC check when I ask for a quote, choose most correct answer? 

    4 / 10

    When can I use my car hire benefit on my policy?

    5 / 10

    What is the purpose of a policy schedule?

    6 / 10

    What does full comprehensive vehicle insurance cover?

    7 / 10

    What are fixtures and fittings under building cover?

    8 / 10

    Why do I need car insurance?

    9 / 10

    Insurance quotation are generally valid for how long?

    10 / 10

    With vehicle insurance, do I generally have to pay extra when I use roadside assistance?

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    1 votes, 5 avg
    2

    Personal Insurance Quiz 201 - Intermediate

    10 Intermediate level, random quick, easy home and car insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    Why is it important to know about my past insurance and claims when I am taking out insurance?

    2 / 10

    Why is it important to disclose true information to insurance companies?

    3 / 10

    What is SASRIA cover?

    4 / 10

    Do I really need to disclose the colour of my vehicle for insurers to calculate my premium?

    Under insurance is calculated using average. Average is calculated using the below formula:
    Average = (Sum Insured Amount) / (Actual Replacement Amount ) x (Claim Amount)
    Once you have worked out the average amount you need to minus the excess and it will give you the total amount that an insurer will payout.

    5 / 10

    My contents is covered for R100 000 with a basic excess of R2 000. Someone breaks into my house and steals all my contents. I submitted a claim, the insurer advises that I am under insured.

    My contents is actually worth R250 000. How much will I be paid out?

    6 / 10

    What is the function and purpose of insurance?

    7 / 10

    What is malicious damage?

    8 / 10

    What is an additional excess?

    9 / 10

    What happens if I had a burglary at my home 2 years ago and I didn’t tell my current insurer about it when I took out home contents cover?

    10 / 10

    Gary goes to work on a Friday, he ends up staying after work with his colleagues and they have a few drinks. He leaves work at 11pm and heads home. As he is passing the robot, a guy who is highly intoxicated skips the red robots and knocks into Gary. Gary and the other driver are not injured however upon the police arriving they test them both for alcohol and both Gary and the other driver are arrested because of their alcohol levels. Will the insurer pay for the damages to fix Gary's car?

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    0

    Life Insurance Quiz 101

    10 random quick, easy life insurance quiz questions to help you unlock how it works by increasing your knowledge.

    1 / 10

    What is Life Cover?

    2 / 10

    With death cover, is there a waiting period for suicide?

    3 / 10

    Why is Life Cover important to have?

    4 / 10

    Is there specific cover for cancer only, as my family are at a higher risk for this disease?

    5 / 10

    Do insurers offer an monthly disability income benefit instead of a lump sum amount?

    6 / 10

    Is it necessary to have a Will, in case I die?

    7 / 10

    What does it mean to have a whole of life benefit?

    8 / 10

    Why do insurers want to know if I am a smoker or not when taking out life cover?

    9 / 10

    What is the general purpose of lump sum disability cover?

    10 / 10

    My comprehensive servere illness cover pays me out for stage 4 cancer. Seven months later, I suffer a servere heart attack. The two events are not related, will I be able to claim again?

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    1 votes, 3 avg
    1

    Are you truly South African? Let’s see how well you know your SA slang!

    Known as South Africanism....we have many official languages and yes we sommer combine them to keep things interesting...

    1 / 10

    Sho’t Left?

    2 / 10

    "Hyayibo"

    3 / 10

    Lekker "doos" (dos)

    4 / 10

    Jol?

    5 / 10

    Slap chips?

    6 / 10

    "Shongololo"

    7 / 10

    "Aikona"

    8 / 10

    "Gatvol"

    9 / 10

    "Eina man!"

    10 / 10

    "Buy me a brew bru"

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