What is “All Risks Cover”?

  • All Risks provide cover for personal property, accidentally lost or damaged by any cause not excluded, whilst outside your home. Personal property, for example includes; clothing, handbags, watches, jewellery, binoculars and any other item of a personal nature that is designed to be carried or worn by a person.
  • If you select this section you will have cover up to 10% of the All Risks Unspecified sum insured you have opted for or R1 000 per item, whichever is the greater.
  • If you have items that would exceed the 10% or R1 000 limit, it is best to have them specifically insured under the All Risks Specified section of the policy. On such items you must provide us with a proper description and substantiate it by a valuation certificate, or proof of purchase.
  • If you do not have All Risks cover and you do suffer a loss whilst you are away from home, we will not be able to deal with the claim.