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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?

*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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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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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.

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

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6 votes, 5 avg
60

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

Why does my premium go up if the value of my car should be depreciating?

2 / 10

Why would an insurer reject my claim?

3 / 10

What does it mean to be under insured?

4 / 10

My vehicle should be insured for Retail Value. What is Retail Value?

5 / 10

Why is insurance known as a grudge purchase?

6 / 10

What does average mean for a home contents claim?

7 / 10

Vehicle insurance have additional excesses. What are additional excesses?

8 / 10

Why is it important to make sure your monthly insurance premiums is paid every month?

9 / 10

When an insurance company settles a vehicle accident claim, who gets the excess amount that I must pay?

10 / 10

What happens when my insured assets are damaged by riots and political strikes?

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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.

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.

1 / 10

My home burns down and I have building cover for R2 000 000. After validating the claim, we realise that the cost to replace my home is actually R2 400 000.

I have an excess of R10 000. How much will the insurer pay me out?

2 / 10

I have contents and building insurance with A Insurers and I am covered for R1 000 000 for my building and R250 000 for my contents cover.

I have a zero excesses on both covers. After validating my claim due to a fire, I am advised that I am under insured for both my contents and building.

The replacement value for my building is R2 500 000 and my contents is R325 000. How much will I be paid out?

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.

3 / 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?

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.

4 / 10

My contents is covered for R100 000 with a basic excess of R2 000. Someone breaks into my house and steals contents to the value of R50 000. 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?

5 / 10

What is the function and purpose of insurance?

6 / 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?

7 / 10

What happens if I decide to cancel my vehicle insurance and self insure?

8 / 10

Why does it matter if I have a license or not when taking out insurance, if I am the one who will be paying for the premium?

9 / 10

What is an additional excess?

10 / 10

What is SASRIA cover?

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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

I have life cover of R500 000 and I have been diagnosed with stage 4 cancer and I have 3 months to live. Is there anyway I can get my life cover money paid to me before I die to settle my debt?

2 / 10

What is the minimum and maximum amounts of Life Cover you can have?

3 / 10

What will happen if I stop paying for my life cover premium?

4 / 10

What would happen if I don’t disclose to the insurer upfront that I once had a heart attack when I was really young?

5 / 10

If I pay for my policy premiums for 20 years and don’t die, can my Life cover be paid out to me?

6 / 10

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

7 / 10

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

8 / 10

Why is Life Cover important to have?

9 / 10

Do I need to go undergo any medicals or answer any medical questions when taking out life cover?

10 / 10

What is the general purpose of lump sum disability cover?

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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

"Laduma" (laa-du-maa)

2 / 10

"Awe mfowethu" (Zulu)

3 / 10

You "chop"

4 / 10

Indaba?

5 / 10

"Fundi" (foondi)

6 / 10

"Eina man!"

7 / 10

"Gatvol"

8 / 10

"Jislaaik" (yis-like)

9 / 10

Shame?

10 / 10

"Haw wena"

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