Householders – buildings
Householders' buildings insurance, also known as homeowners insurance, protects your home and its structures against risks like fire, theft, and natural disasters. It typically covers the cost of repairs or rebuilding if your home is damaged.
House Owners – contents
Contents insurance, also known as personal property insurance, protects your belongings from damage or theft, whether they are in your home or elsewhere. This coverage is typically included in standard homeowners insurance policies.
Personal All Risks
Personal all risks insurance is a type of policy that provides coverage for a wide range of potential losses to personal property, except for those specifically excluded in the policy. This means that if a loss is not explicitly mentioned as excluded, it is automatically covered, making it more comprehensive than named peril policies.
Motor including executive, sports, 4 x 4 vehicles, classic & trailers
Motor insurance can cover a variety of vehicles, including executive cars, sports cars, 4x4 vehicles, classic cars, and trailers. Each type may have specific coverage options tailored to its use and value.
Motorboats, yachts & small craft
Boat insurance, including for motorboats, yachts, and small craft, protects your vessel against damage, theft, and liability for injuries or damages you may cause while operating the boat. Coverage options can vary, so it's important to choose a policy that fits your specific needs and the type of watercraft you own.
Electronic equipment
Electronic equipment insurance provides coverage for various types of electronic devices, including studio television, medical equipment, and office equipment, protecting against risks like theft, damage, and breakdown.
Personal Liability
Personal liability insurance protects you financially if you're held responsible for injuries or damages to others, typically included in homeowners and renters insurance policies. It can cover medical bills, legal fees, and property damage caused by you or your household members.
Personal Accident
Personal accident insurance provides financial protection in the event of an accident resulting in injury or death. It helps cover unexpected medical expenses and other costs that may arise from an accident, offering benefits directly to the insured.
Riot Cover (SASRIA)
SASRIA provides insurance coverage specifically for risks associated with civil unrest, including riots, strikes, and terrorism, which are typically excluded from standard insurance policies. This coverage is available as an extension to existing insurance policies or as a standalone policy for businesses operating in South Africa.
