Unspecified All Risk: This is your clothing and personal belongings. For example, an
expensive coat and your handbag or luggage. This is normally insured for a lump
sum and it limited to 25% per item.
Items that must be specified to have cover (Everything you take with, when you leave the house): Cell phones; Smartphones; Laptops; iPods; iPads; Tablets; Cameras; Jewellery; Sport equipment (including golf sets, cricket kits, etc.); Bicycles; Firearms; Valuable collections & Medical Equipment (including prescription glasses, hearing aid, etc.) Contents of caravans & 4×4 bush trailers.
Photographic equipment – cameras, lenses etc. are only covered for personal use. As soon as you start to earn any money for your service this policy will no longer cover your camera, etc. Should this be the case please inform us so that we can discuss alternative options.
Proof of ownership: Keep your slips and invoice of everything you buy. If you have a claim the insurance company will need proof that you are the owner of the items you are claiming for. Photos of the items are not seen as sufficient proof anymore.
All jewellery must have a valuation certificate not older than 2 years as proof of ownership for any claim. NO CERTIFICATE, NO CLAIM! This means that you are paying a premium for an item you will not be able to claim for.
Jewellery not being worn to be kept in a safe.
Laptops: Sum insured has to include: value of the laptop, software and accessories.
DRONES: No cover for accidental damage or liability to all parties. This is excluded form cover!
Remote Jamming: NO CLAIM for items stolen out of your vehicle if there is NO PROOF of brake in! Don’t leave valuable items in your vehicle & always make sure your vehicle is locked.
Money is not covered.
GENERATORS: Generators must be maintained on a regular basis; the maintenance / services done on the item must also be recorded. If the generator is stored outside, it must be locked in its own cage with a lock, if not there is no cover for theft.
