All Risks Cover
Cover for the things you carry — phones, laptops, jewellery, sunglasses, cameras — inside and outside your home, anywhere.
From sunglasses to cellphones, wallets to watches, cameras to laptops — all risks cover protects the belongings that leave the house with you. Unspecified cover handles the everyday items under a blanket limit; specified cover lists higher-value items individually.
Specified vs unspecified
Items worth more than roughly R10 000 — engagement rings, high-end phones, cameras, bicycles — should be specified with valuations on file. We keep the schedule current so a claim never stalls on proof of value.
Related cover
More personal products
Specialised Items Cover
For possessions that don’t fit standard categories — musical instruments, sports equipment, collections and other specialist valuables.
Explore cover
Household Contents Insurance
Protects everything inside your home — furniture, appliances, electronics and clothing — against theft, fire, storm and malicious damage.
Explore cover
Watercraft Insurance
Cover for powered boats, jet skis and their trailers — hull, liability and gear, on and off the water.
Explore coverCover structured around your actual risk.
We broker across all the major South African insurers, so the policy fits you — not the other way round.