Cover against damage to the vehicle / motor cycle as well as liability for damage or injury for which you may be held liable
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Various cover options available - Comprehensive Cover, Third party, fire and theft cover, or Third party cover only (mostly not available in respect of Motor cycles)
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Most products offer cover extensions automatically included (e.g. medical expenses, trauma treatment in the event of crime related incidences), emergency repair cost, etc.
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Optional cover extensions usually available in respect of (but not limited to):
Car Hire
Top-up cover to provide for outstanding financing costs (this may be included in some products provided that the sum insured is sufficient)
Covers the contents of your main dwelling and outbuildings whilst (contents) stored inside them
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Some products offer specific perils cover with an option to include accidental damage, whilst others offer contents “All Risks” cover
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Most products have cover extensions which they automatically include such as the property of guests and domestic employees, whilst other products will require you to specify these extensions at an additional premium. More examples of such extensions are:
Money
Personal documents, coin or stamp collections
Contents of refrigerators and freezers
Storage costs for contents after damage
Compensation for you or your spouse’s death
Subsidence and landslip
Mechanical, electrical or electronic breakdown of household items
This section covers clothing and personal effects which you would normally remove from your home and personally carry with you.
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Some products offer a small unspecified all risk allowance with an item limit, with the option to specify items in excess of such allowance.
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All Risk classes which may be opted for include (but is not limited to):
Contact Lenses and spectacles
Car tools, spare parts and travel accessories
Transport of groceries and household goods
Keys, locks and remote control units
Swimming pool machinery, jacuzzi machinery and borehole machinery
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The following items almost always need to be specified separately:
Jewellery normally worn or removed from the home and with values in excess of the unspecified allowance.
Fitted audio, audio-visual, communication, tracking or GPS systems (unless factory fitted and included in the vehicle sum insured or otherwise specified)
Most policies cover you and your immediate family against accidental death (not death as a result of natural causes) and permanent partial or total disability.
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Some products allow for limited weekly hospital compensation and/or a limited temporary disablement payment.
