The basic cover insures household effects (belongings) against various contingencies whilst inside your home or at certain places outside your home. Deterioration of the contents of a refrigerator or freezer, personal belongings of guests and domestic workers, veterinary expenses, trauma cover, the cost of guards to safeguard your house after loss or damage and much more are covered automatically.

From the optional cover you might consider accidental damage with mechanical and electrical breakdown for your belongings in your home.

Certain belongings are usually taken out of your house. Wider cover is thus necessary for items such as laptop computers, jewellery, cameras, sports equipment, cell phones, and bicycles.

The basic cover insures the house, outbuildings, fixtures and other structures against contingencies such as fire, storm and burglary. Fire brigade charges and loss of rent after loss or damage are covered automatically.

From the optional cover you can choose subsidence and landslip, as well as accidental damage cover for the machinery of swimming pools, boreholes, irrigation systems, electric gates and garage doors.

The types of cover from which you can choose are comprehensive (with or without theft), or limited (which provides cover for fire and theft only). Liability is included with these options, although it can be taken on its own (please refer to “Vehicle liability” or part 2 hereunder)

The section also offers trauma cover due to hijacking of a vehicle, emergency accommodation, medical costs, and replacement with a new vehicle as part of the basic cover and much more. Optional cover is available for car radios, compact disc players and phones, with benefits such as a reduced excess and cover outside your vehicle; car tools, spare parts and travel accessories. Furthermore, the difference between the amount outstanding on the hire purchase agreement and the market value of your vehicle can also be insured.

Comprehensive cover is available for caravans and trailers. The contents of a caravan can also be insured.

Cover is available for water craft such as motor boats, sail boats and jet skis, among other things, whilst on land or on water. Injury to others or damage to their property caused by you is covered under “Water craft liability” under part 2.