Our domestic policy is a product of many years of research and fine-tuning and is designed to offer you optimum cover. We have briefly detailed in laymans terms our version of the cover available. To view or download the official version, follow the link:


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Buildings
Your home/s, outbuildings, garages, walls, gates and fences; including swimming pools, tennis courts and driveways etc. You must insure your buildings and related structures at replacement cost (current building costs per m2).

Additional extension: Subsidence and Landslip

Household Contents
This section is for all items that are not fixtures (normally insured under Buildings above) and remains at home. Everything must be insured at replacement value.

All Risks
Applies to goods that require cover outside your home like cameras, jewellery, bicycles, leather jackets, sunglasses, etc . You are required to specify each item separately and cover extends throughout the world.

Public Liability
This is important cover relating to the Household Contents and Building sections and applies to legal liability to pay compensation for death, bodily injury or illness to persons arising from an accident on your property.

Personal Accident
Cover for death, temporary and permanent disability; and loss of limbs caused by accidental and violent means.

Motor
Insuring vehicles owned by yourself or your family either for private or business use. The sum insured is market value and you must remember to include any after market extras.

Pleasurecraft/ Boating
Applies to canoes, catarmarans, rubber ducks, speed boats and yachts etc. Extensions available are skiers and; 3rd party and passenger liability.

Minimum Security Requirements