Personal Line Insurance
This personal policy is flexible enough to satisfy your individual needs and to cover all aspects of your life.
- House Contents
- All Risks
- The optional cover under this section includes a cover for clothing, personal effects, keys, locks, cellphones, video cameras, jewelry, and much more.
- Buildings – Your buildings aside, you can choose cover for accidental damage to the machinery of swimming pools, jacuzzis, boreholes, irrigation systems, garage doors, and electrical gates and gardens.
- Vehicles – Choose the extent of your cover, ranging from comprehensive to third party only. When your car is written off or stolen, it is replaced with a new one if it is less than a year old and has less than 30 000km on the clock. Other basic covers include medical expenses, emergency accommodation, emergency repairs, and much more. Optional extras include cover for the difference between market value and the hire-purchase amount, comprehensive car-hire cover, waiver of your excess, and roadside assistance with our breakdown service.
- Watercraft – Optional extras include cover for outboard motors and specified accessories such as water skis and electronic equipment.
- Personal Liability – our liability cover extends to worldwide cover.
- Family Protection Insurance
This combined policy offers you the following optional sections to choose from
- Buildings, contents and stock-in-trade
- Buildings combined – office and residential buildings
- Office contents, general contents and documents
- Business interruption
- Consequential loss following material damage
- Accounts receivable, outstanding debit balances
- Contents, stock and machinery
- Money, money at premises and in transit
- Glass, external and internal glass
- Dishonesty or fraud by employee
- Goods in Transit, property in transit by road, rail or air
- Business all risks
- Worldwide cover for specified property
- Accidental damage
- Public liability, Legal liability to third parties, Employers liability, Legal liability to employees
- Stated benefits Death and Disability (income)
- Motor, private motor vehicles, light delivery vehicles, commercial vehicles and special types, motorcycles, buses, trailers and caravans
- Electronic equipment
- Motor dealers
- Internal and external risk
- House owners, dwellings that are private or owned by a company
- Machinery breakdown, machinery breakdown causing business interruption
- Deterioration of stock
- All farm buildings and their contents
- Theft in any farm building
- Liability cover for farm activities ie; A spread of fire from our client’s farm to a neighbouring farm
- All farm implements and Tractors are covered with vehicles under the Motor section
Specialist Liability Insurance
This policy offers an extended cover in terms of liability policies.
Motor Vehicle Insurance
When insuring your vehicle, you have three choices of cover:
- Comprehensive – you are covered for loss or damage to the vehicle
- Limited (fire and theft) – you are covered for loss of or damage to the vehicle caused by fire, lightning, explosion, theft, or attempted theft. Theft excluded – you are covered for loss of or damage to the vehicle excluding loss of or damage caused by theft or attempted theft.
- Third-Party only
The basic cover for vehicles includes:
- emergency repairs and delivery
- tow-in cost and safeguarding after mechanical breakdown
- medical expenses
- trauma treatment
- emergency accommodation
- replacement of new vehicle and emergency costs. Please refer to your policy wording for details.
There are also a couple of optional extra covers you can choose from, this includes:
- specified accessories (such as; sound equipment and car phones)
- the difference between market value and hire purchase
- contents of a caravan
- spare parts
- travel accessories
- All risk
- Erection all risk
- Advanced loss of profits
- Plant all risk
- Electronic equipment (large risk / exposure)
- Public liability
- Lateral support
- Machinery breakdown
- Loss of profits
- Deterioration of stock
Marine Cargo can be divided into two sections:
- Marine Insurance deals with risks related to losses to ships, vessels, and marine cargo.
- Marine Hull Insurance covers the loss of property and goods in transit.