Specified All Risk Insurance

This insurance covers all expensive items (that fall above the General All Risks Cover Limit) and hand held electronic items that are routinely taken out of the home. This cover is on an all risk basis and is extended to cover your items all over the world for insured perils.

 

 

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Items that are usually covered under this section are as follows:

• High Value Jewellery Items Details

• Cell phones

• Laptops

• Palmtops

• iPods/iPads/Tablets

• High value electronics such as cameras, telescopes, binoculars etc

• Car kits or similar

• Furs

• Spectacles, contact lenses & sunglasses

• Portable radios

• Sound reproduction equipment

• Pedal Cycles

• Non-factory fitted car audio equipment

• Musical Instruments

• Golf Clubs & Specific high Value Sporting Equipment*

• Firearms and hunting equipment

• Collectable that are routinely moved (coins, paintings, stamps etc.)

• Rare Items

*It is noted that this section does not cover the sporting equipment whilst in use.

It is important that these items have “proof of ownership” attached to them for claims purposes. A receipt or invoice or box or valuation certificate is of integral importance to prove that these items existed and their replacement value.

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Jewellery :

It is of utmost importance that all specified jewellery items are valued once every three years. Thee valuation certificates can be sent through to us via email to keep on file. Jewellery items that have not been revalued will only be replaced at their specified limits. Owing to the fluctuated Rand/Dollar exchange the Gold price is often very different at point of claim from point of purchase. Thus updated values are imperative. This will also assist you at point of claim to ascertain ownership and replacement.

Please refer to your policy wording and schedule, jewellery over a certain value is required to be kept in a locked safe when not in use. Please contact our offices if there are any queries or concerns in this regard.