Car insurance
Vehicle insurance cover options:
• Comprehensive: accidental loss or damage to a vehicle, including third party liability;
• Limited (fire and theft): accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is because of fire, lighting, explosion, theft or attempted theft; and
• Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle).
Home contents insurance
Buildings
Full cover insures the contents of your private home and outbuildings
against fire, explosion, acts of nature, theft and subsidence
and automatically includes legal liability cover.
Limited cover if you believe that your home is safe from burglars, choose Limited cover. This
offers the same benefits as Full cover but excludes “Other loss
or damage” and “Loss or damage from theft or attempted theft”
as stated in the policy wording
Additional cover that can be taken
Mechanical and Electrical Breakdown Cover Provides cover for repairs in the event of the Mechanical and/or Electrical Breakdown of specified household appliances.
Accidental damage
Protects your private home and any other permanent improvements against loss or damage caused by fire, explosion, acts of nature, theft, subsidence, owner’s liability.
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Additional cover that can be taken
At a small additional monthly premium you may also extend the cover to protect fixed machinery (e.g. installed machinery of swimming pools, spa baths and garage doors) against accidental damage
All Risk
Provides cover for loss or damage to items you normally wear or carry with you outside your home. Our cover includes: Clothing and personal effects – clothes you normally wear as well as other personal items you carry with you Specified property – this refers to items which you must specify in order to be covered, including stating the correct value. These items will reflect in your schedule and they can be items such as keys, locks, remote control units, certain collections, bicycles, laptops, cellphones, cameras, sports equipment, jewelry, spectacles, etc
Motorcycle
Vehicle insurance cover options:
• Comprehensive: accidental loss or damage to a motorcycle, including third party liability;
• Limited (fire and theft): accidental loss of damage to a motorcycle, including third party liability – only if the loss or damage is because of fire, lighting, explosion, theft or attempted theft; and
• Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the motorcycle).
Additional cover that can be taken
Helmet cover
Extras of motorcycles
Watercraft
Comprehensive insurance for a motorboat, ski boat, jet-ski or wet bike including the hull, motors, machinery, equipment, standard fittings and accessories which are normally sold with the watercraft.