All-Risk Policy

Please download the full policy wording below

Cover

NOTE: PLEASE SEE FULL POLICY WORDING FOR FULL EXCLUSIONS AND EXAMPLES

Screen
Damage

Remember to upload your screen-selfie in-app to activate screen damage cover

Impact
Damage

Impact with an object resulting in damage to your item

Lightning And
Power Surge

Damage that is caused by lightning or a municipal electricity power surge.

Theft

Theft of items that are not left unattended; unless concealed and locked away in your car or premises.

Damage From
The Elements

Water, Fire, Storms, Hail, Earthquakes etc.

Global
Cover

Loss or damage to your insured items anywhere in the world.

(A claim settlement will only be payable in Rands and to a bank account in South Africa).

Claiming

NOTE: PLEASE SEE FULL POLICY WORDING FOR FULL EXCLUSIONS AND EXAMPLES

Notify us as soon as possible via the mobile application or web application, but no later than 30 days after the event.

You will always have to pay a small portion of any claim settlement. This is known as the excess. 

We will replace/repair your item, issue a voucher to you or pay you out the required replacement/repair value

Notify the SAPS within 24 hours of any loss or theft of property and remember to blacklist a stolen phone

Dual insurance – if you have any other insurance policies insuring the same item for the same cover, the claim will be paid proportionately.

Obtain consent before proceeding with any repairs

 

Things To Remember

All policies are monthly and cover is on a month-to-month basis payable in advance.

Take all reasonable steps to prevent further loss or damage to your insured property after an event

Make sure that all the info you give us about yourself, your property and your risk profile is true and accurate

Premiums are collected in advance via debit order (on your specified date). New items will be charged pro-rata.

You may cancel the policy at any time, via the App, and the cancellation will take effect at the end of your current policy month (i.e the day before your next debit order)

Tell us of any material change that might affect your risk profile or acceptance of cover or the premium charged

Policy Documents Below

Full Policy Wording & Benefit

NB

All-Risk
Full Policy Wording

SASRIA Policy
(Optional Cover)

Additional Documents

General Terms & Disclosure Notices

General Terms
& Conditions

Disclosure
Notice

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