HOUSEHOLD CONTENT

Household content entails all your personal belongings and possessions in your house. This includes furniture, clothing, jewellery, electronic equipment & appliances, rugs & curtains, removable paintings and mirrors, gardening equipment / furniture, handyman tools etc.

Insured events under this section includes loss or damage of household content caused by theft or attempted theft; burglary, fire, or explosion; Acts of Nature (earthquake, wind, hail, storm, flood, or snow); impact from vehicles/falling trees/aircraft; damage caused by bursting or overflowing geysers (i.e., water heating systems) or pipes; liability to other people, including domestic employees.

Homeowners Insurance: (Buildings)

Homeowners Insurance entails the private residential structures of your home. It includes all fixtures and fittings that belong to you as the owner or that you are responsible for as the owner.

Insured events under this section includes loss or damage caused by fire or explosions; lightning; natural disasters such as flood, storms, snow, hail, earthquakes; unforeseen damages; burst pipes / faulty water systems; subsidence/landslip etc.

ALL RISK ITEMS

This section provides cover for items specifically insured under an all-risk basis. This includes:

Stamp and coin collections and personal documents
Bicycles or wheelchairs
Mobile communication devices (Cellular phones, laptops, tablets/iPads, and accessories)
Audio-visual equipment (Cameras/video cameras; accessories)
Any other specified articles

VEHICLE INSURANCE

Vehicle damages or losses are not events that can be foreseen and commonly occur when you least expect it. It is in your own best interest to purchase Vehicle Insurance as protection for this asset. Vehicle Insurance entails different options of cover and benefits. Cover includes:

Comprehensive cover; or
Third party, fire, and theft; or
Third party only.

VEHICLE INSURANCE – ADDITIONAL COVERAGE

These additional coverages are not automatically included under the vehicle section and can be added additionally.

Excess waiver
Car hire
Top – up
Tyre & Rim Insurance
4×4 Insurance

WATERCRAFT INSURANCE

With Boat, Jet ski or other Watercraft Insurance, you can enjoy your time on the water knowing your vessel is comprehensively covered against most eventualities.

Extreme water sport enthusiasts/fanatics and those who engage in watercrafts as a hobby, will know how costly the vessels are and hence the need to have Watercraft Insurance to keep up.

CARAVAN INSURANCE

This entails a more specialist type of product offering for caravan owners according to their specific needs. It is important to take in mind the equipment and accessories that contributes to the caravan lifestyle.

MOTORCYCLE INSURANCE

From scooters, superbikes, scramblers, cruisers, off-road bikes, vintage collector bikes and customized bikes – Motorcycle insurance covers it all. Make sure to also include your all risk items such as: Helmets, clothing, sound equipment, boots, gloves, neck braces, saddle bags and any other motorcycle accessories.

BICYCLE INSURANCE (PROFESSIONAL USE)

Depending on your circumstances and needs, this is a specialist area of insurance for someone who are more serious about the sport.

Bicycle Insurance has worldwide cover available for your bicycle when you’re competing in a race, training, transporting your bicycle and/or during leisure cycling.

Bicycles, equipment, and accessories can be costly.

You may also want to consider specialist cover if you partake in cycling events and races. As cyclists are exposed to dangerous road conditions that may even cause death or disability.

Being a specialist niche area, it is important to choose and evaluate your Bicycle Insurance options carefully.