Uniq-Cover – All Risks
Please note: The following is only a guide to assist you in determining your insurance needs and should be seen as such. Your proposal form, policy document and schedule should be seen as your contract with Indequity Specialised Insurance Ltd, in conjunction with all other correspondence that may be sent to you from time to time. These are the legal documents forming the basis of our contract with you and should be consulted in all instances.
General All Risks Insurance includes clothing as well as personal effects which are normally worn or designed to be carried on, or by, a person. These items cannot be worth more than R5,000 each.
Specified All Risk insurance is for items such as jewellery, sports equipment, firearms, spectacles, laptop computers, cell phones, bicycles, musical instruments, photographic equipment and other items that are typically taken out of the house, but which have an individual value in excess of R5,000. These items must be specified in your policy and require proof of purchase and/or a valuation certificate. As the insured, it is your responsibility to adjust the insured value of the item(s). All high-risk items, such as bicycles, cell phones and contact lenses must be insured under Specified All Risks, irrespective of their value.
Kindly refer to the complete policy wording for more detailed information regarding this section and any extensions thereunder. You are also more than welcome to contact us for any assistance