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Your possessions make your house a home – whether it’s a fridge, furniture, or laptop, they need to be protected as much as the building they are housed in. We insure your household contents for their replacement value, avoiding expensive surprises when things go wrong. We’ll cover you for loss or damage in the event of a fire, explosion, storm, flood, lightning, burglary or theft. Best part? We look for reasons to pay.
24/7 emergency services that comes right to your door
Geyser leak? Locks in a jam? Medical emergency? No problem. Simply call our 24/7 emergency and claims line on 0860 505 911.
Learn moreProtection for me and my family
Our 24/7 emergency services include roadside assistance, chauffeur services, emergency household repairs and much more. Call 0860 505 911.
Learn moreAn additional 10% cover during the festive season
As festive as the season is, it comes with certain risks. As a policyholder, you’ll get an additional 10% cover on home contents between 15 December and 31 January at no additional cost.
Learn moreIncluded
Excluded
| Core | Classic | Executive | |
|---|---|---|---|
| Fire brigade charges | |||
| Transport of groceries and household goods | R2 000 | R5 000 | R50 000 |
| Personal effects of domestic employees | R5 000 | R5 000 | R50 000 |
| Washing on the line | R2 500 | R5 000 | R50 000 |
| Theft or attempted theft from outbuildings | R5 000 | R5 000 | R5 000 |
| Contents of fridges/freezers | R3 000 | R5 000 | R50 000 |
| Guards | |||
| Power surge | Optional | Optional | |
| Alternative accommodation - percentage of content’s insured amount | 20% | 25% | 25% |
| Contents on the premises of the private residence | R2 500 | R5 000 | R50 000 |
| Money (excluding theft) | R1 000 | R2 500 | R25 000 |
| Personal effects of guests | R5 000 | R5 000 | R50 000 |
| Subsidence or landslip (limited cover) – 100% of insured amount | |||
| Loss of water | R2 500 | R25 000 | |
| Storage costs for contents after damage | R5 000 | R10 000 | |
| Accidental breakage of mirrors and certain glass items | |||
| Removal of debris or damaged contents after loss or damage caused by an insured event | |||
| Property keys | R1 000 | R2 500 | R50 000 |
| Veterinary expenses | R3 000 | R30 000 | R60 000 |
| Cover for contents on an asset all-risks basis and flexible worldwide cover against loss or damage, up to 30% |
When you insure the things you value, it’s important to ensure your cover won’t leave you underinsured should the unforeseen happen.
Quality affordable insurance for people who are growing their wealth.
Insure your car while enjoying optional extras at a competitive price.
Tailored, comprehensive insurance for financially established individuals.
Insure your building, contents and car, and benefit from optional extras to help prepare you for the unexpected.
For discerning individuals looking to insure their most valuable assets.
Comprehensive, personalised insurance with a flexible worldwide cover option, extended limits and a dedicated team of expert claims and service consultants.
Find out more about our additional options that allow you to tailor your cover to your specific needs.
All-Risk items
We offer cover for your cherished and valuable items even when you take them out of the house, from special clothing to eyewear, jewellery, cellphones and photographic equipment.
Limited B&B cover
Take care of paying guests with up to R10 000 cover for trauma treatment, personal effects and emergency expenses. Then take care of business with up to R5 000 cover for damages to external signs, blinds and canopies, as well as dry cleaning.
Legal expenses
Legal expenses can put a severe dent in your bank balance. We cover legal defence costs for family matters, criminal, civil or labour court actions.
Personal legal liability
Protect yourself when the unexpected happens. Our personal legal liability cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.
Building insurance
Your house is your haven, your safe place. Make sure the building is properly protected against unexpected events like fire, explosion, storm, flood and lightning.
Personal accident
Protect your future and the future of your loved ones. We provide cover for your accidental death or permanent disability as a result of bodily injury within 12 months of an accident.
Extended personal legal liability
Travel a lot? Wherever you are in the world, we’re with you – ensuring you’re covered against eventualities that are not covered under your personal legal liability cover.
Subsidence or landslip
Property damage caused by subsidence or landslip can be devastatingly expensive. Make sure you are fully covered when the ground beneath your property shifts.
Life is unpredictable. You never know when you could lose something valuable to you. Our personal All risks insurance covers the loss of or damage to items you normally wear or carry outside your home, wherever you are in the world. This includes clothing and personal effects as well as specified personal items like cellphones, laptops, bicycles, sunglasses and jewellery.
Learn more
When you need us, we’re there – with 24/7 emergency services that come standard with your home insurance policy. View our emergency services.
Plumber
Drain blocked? Toilet backing up? We'll get a plumber to your home to sort it out ASAP.
Geyser fault
Get the urgent assistance you need when you need it.
Locksmith
Locked out? Need to change your locks? You’ve got it.
Electrician
Our pro electricians will have you up and running in no time.
Need immediate assistance?
0860 505 911
Claims and Emergency Services
Tel: 0860 505 911
By insuring my house contents does it mean that the contents are also covered against fire?
Some of my electric appliances are faulty. How do I know if I can claim for it?
Do you provide insurance cover for cellphones?
Can't find what you are looking for? Visit the help centre
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