MOTOR & MOTORCYCLE COVER

• Cover against damage to the vehicle / motor cycle as well as liability for damage or injury for which you may be held liable
• Various cover options available - Comprehensive Cover, Third party, fire and theft cover, or Third party cover only

VEHICLE HIRE

We will arrange and pay for a hired car while your vehicle is being repaired or while your vehicle has not been recovered after a theft or hijacking and we are finalising your claim

CREDIT SHORTFALL

Top-up cover to provide for outstanding financing costs (this may be included in some products provided that the sum insured is sufficient)

CONTENTS

• Covers the contents of your main dwelling and outbuildings whilst stored inside them.
• Some products offer specific perils cover with an option to include accidental damage, whilst others offer contents “All Risks” cover.
• Most products have cover extensions which they automatically include such as the property of guests and domestic employees, whilst other products will require you to specify these extensions at an additional premium.

ALL RISKS

• This section covers clothing and personal effects which you would normally remove from your home and personally carry with you.
• All Risk classes which may be opted for include:
• Contact Lenses and spectacles
• Car tools, spare parts and travel accessories
• Transport of groceries and household goods
• Keys, locks and remote control units
• Swimming pool machinery, jacuzzi machinery and borehole machinery
• The following items almost always need to be specified separately:
• Jewellery normally worn or removed from the home.
• Fitted audio, audio-visual, communication, tracking or GPS systems
• Cellular phones and their accessories
• Laptops

PERSONAL ACCIDENT

Most policies cover you and your immediate family against accidental death (not death as a result of natural causes) and permanent partial or total disability.

PERSONAL LEGAL LIABILITY

• This section covers the policyholder against liability which may be incurred in their personal capacity
• Most products offer free extensions to this cover, such as:
• Veterinary expenses following a road accident
• Achieving a Hole-in-one or Full-house
• Liability to domestic employees
• Extended Liability cover available to provide for additional indemnification.
  This cover is available upon request.

CARAVANS & TRAILERS

• Comprehensive cover for loss or damage to the caravan or trailer
• Liability cover whilst the caravan or trailer is on the road or being used
• Contents of caravan or trailer - standard contents normally covered with an option to specify non-standard contents and camping equipment

WATERCRAFT

• Insurance against damage of the watercraft as well as liability for damage or injury for which you may be held liable for.
• Most cover options include the standard fittings and equipment - with an option to specify non-standard equipment

BUILDINGS

• Loss or damage to buildings, outbuildings and other defined permanent structures caused by a defined insured peril
• Most policies offer free or optional cover extensions which may include:
• Fire brigade charges
• Loss or rent
• Public supply or mains connections
• Damage to gardens