General All Risk Cover

General all risk cover is also known as “goods out” or “Items out and About” insurance Cover. This insurance product provides cover for wearing apparel and personal effects that the insured or the members of the insured’s family regularly takes or wears outside of the home.



General All Risk Cover insurance insures items such as:
  • Handbags and Purses
  • Makeup, Perfumes and various toiletry items carried in handbags/bags
  • Jewellery and Watches (up to a specified limt)
  • Electronic devices such as cameras (EXCLUDING cell phones or sound producing devices)
  • Sports Bags
  • Firearms
These items are insured up to a certain value, any items over this value that are regularly taken out of the home need to be insured under the Specified All Risks section

General All Risk insurance does not cover the following items outside of the home:
  • Cell phones
  • Laptops
  • palmtops,
  • iPods/iPads/Tablets
  • Car kits or similar
  • Furs
  • Portable radio
  • Sound reproduction equipment
  • Pedal Cycles
  • Non-factory fitted car audio equipment
  • Golf Clubs & Specific high Value Sporting Equipment
These items if taken out of the home need to be insured under the Specified All Risks section


General all risk cover is for belongings that the client or their direct family own and are kept within the home and outbuildings associated to the “dwelling”. These items are generally stored in their home, in multiple homes owned by the insured, residences at university or in storage units. This cover is also applicable to people who are renting a home, paying off their home or living in a complex as the Owner/Bank/Body Corporate generally only insures the building See Homeowners Insurance
The items insured in this section would be household goods and personal effects of any and every description, owned by the insured, from the bedroom to the living room to the kitchen to the shed. The easiest way to quantify these items is to imagine that you are moving house, everything you pack into the truck to move, is considered household contents and should be insured under general all risk insurance.
This section is covered for any damage or loss including damage as a result of fire, lightning, earthquake, explosion, storm damage and theft/burglary. This cover can also be extended to include accidental damage. The policy is further extended to include cover for items such as locks and keys, domestic workers property, documents, los of rent and certain veterinary expenses.
With a good Household Contents policy you can rest assured that you have transferred your risk to an insurer who will endeavour to put you back into the same position you were in before your loss occurred. This will insure that your valued possessions are covered and protected, no matter what happens to them within the home.



How do I know if I am adequately insured?
This is the age old question with regards to Insurance, it is of utmost importance that you are adequately insured at your belongings at their current REPLACEMENT value. Remember, at Graham Silva Insurance all our policies are on a “new for old” basis, which means that we will replace your item with its new equivalent item. Remember if you have expensive jewellery items or electronic devices, or items of that nature that regularly leave the house, we would strongly suggest that you insure these items in the Specified All Risks  Section.


What happens if I am inadequately Insured?
As your insurance broker it is our job at Graham Silva Insurance to advise you to insure your items at their correct and most appropriate replacement value. However we are not property evaluators nor can we force you to increase your insured value. The onus is on you, the insured to ensure that your home is valued at the correct replacement value. Should your home NOT be insured correctly “Average” will be applied at Claims Stage.

Please contact us if you are not sure if you are adequately insured and we will send you an inventory form to complete.  This form will help you to ascertain the correct value of all your goods.  Please remember that all values arrived at must be at today’s current replacement prices.