Personal Insurance

Personal insurance policies have been developed to cover virtually any risk that an individual or a family could possibly face. While most people will not need every type of policy, everyone should need at least one and probably more. Depending on the type of operation that is being insured, rates and coverage limits may vary.

Home Insurance
Insurance against financial losses associated with damage or loss of a property you own.

Personal Effects Insurance
Insures such things as cameras, jewellery, watches and other such items that you carry on or about your person most of the time.

Liability Insurance
Protects you against financial loss if your actions, your negligence or the condition of your property is found to cause a person to be injured or killed, or a person’s property to be damaged or destroyed or they suffer loss as a result of relying on your services or advice. Apart from this, the insurance covers two key financial risks. One is the legal cost of defending a claim. The second is the compensation that you may be directed to pay the injured or wronged party, plus their legal costs, if a claim against you is upheld.

Motor (Comprehensive) Insurance
Ensures you have cover for damage to your own vehicle and other people’s property, as well as theft and some other risks, plus legal costs.

Contents Insurance
Covers financial losses caused by the loss, theft or damage to your possessions that usually remain on your insured property.

Renter’s or tenant’s Insurance
A low-cost contents policy for tenants that provides limited cover for events such as fire and theft.

Medical Insurance
Covers the cost of an insured individual’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. Optional extras include: Out-Patient, Maternity, Dental as well as deductible/excess payment terms.

Travel Insurance
Will cover you for financial losses caused by a wide range of events that can affect your trip, whether they occur before, during or even after your trip. These might include travel modification, cancellation or interruption, medical expenses, baggage damage or theft, and more.

Home and Contents Insurance
Policies that combine the features of both types of the above insurances.

Landlord’s Insurance
Provides cover associated with the risks of renting out a property.

Workman’s Compensation Insurance
If you hire someone on a non-permanent basis and that person is then injured on the job, this policy covers their medical expenses and loss of income as well as other potential claims against you and your property.

Funeral Insurance
This designed to relieve your family of the financial burden of your funeral. There are no lengthy application forms or intrusive questions and most claims are paid out as soon as the correct documentation has been received.

Golfer’s Indemnity Insurance
When it comes to injuries, amateur or professional golf players should be protected. The insurance covers self- inflicted injuries, liability to bodily harm or property damage inflicted to third -person, and damages to golf equipment. We also offer a special bonus if you hit a “hole-in-one”.

Personal Accident Insurance
This type of insurance gives you and your family cover and protection against total or permanent disability caused by an accident, illness, or injury. In the event you have sustained permanent or total disability due to the given reasons, you will be paid a lump sum benefit to help you with whatever expenses and adjustments.

Boat Insurance
If you own or operate a boat or other marine craft, this can cover you for loss, damage, theft or injury risks to your craft and its occupants, as well as any costs you may incur to other people or property through accidental damage.

Life Insurance
Life insurance protects an individual against death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You pay a premium in exchange for the payment of benefits to the beneficiary. This type of insurance is very important because it allows for peace of mind. Having life insurance allows you to know that your loved ones and also work colleagues/business partners will not be burdened financially upon your death.

Diving Insurance
Programmes include coverage for medical expenses, emergency medical evacuations, hyperbaric treatments and much more. The insurance is PRIMARY which means that the insured does not have to wait for any other insurance company to pay first. It allows the company to pay directly and in real-time to hyperbaric chambers around the world as they do not have to wait for another insurance company to get involved. This helps you not pay a large amount out of pocket. Additionally, a claim that settled by diving insurance company will not have any effect on the premium you pay for your health insurance.

X Factor Insurance
For weird and wonderful insurance requirements it is possible to obtain tailor made cover for a specific requirement or specialised business.