Your All-Risk cover does the heavy lifting for your portable valuables, but some of the finer print often gets skipped over. These “small” details can make a big difference when it comes to claims, so it’s worth taking a closer look now rather than being caught off guard later.

Your policy is tied to South African law, plain and simple. That means:

It’s a straightforward rule that brings consistency (and avoids the nightmare of arguing a claim in a foreign court).

When we say an item is a Total Loss, we’re talking about:

In practice: if your phone takes a nosedive into the ocean or your laptop vanishes from your bag, that’s a total loss. The payout is then based on its insured value.

The exclusions and definitions aren’t just technicalities. They’re the lines that shape what your All-Risk cover can realistically do. By knowing them, you’ll be in a stronger position to avoid nasty surprises and make sure your valuables are insured in the way you expect.

Don’t skim the fine print. A little awareness of these “boring but important” details now could save you frustration (and money) later.

*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.