Uniq-Cover – Household Contents
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.
This cover insures all household goods and personal effects which are kept within your home at your dwelling, for the insured amount as stated in your Policy Schedule against the insured events listed in the Policy Document. These items are insured for the replacement value which ensures that you are not under-insured.
Optional power surge cover can also be taken out, to ensure that you are covered for loss or damage relating to power surges (e.g. damages caused as a result of load-shedding).
Standard security is required, if the household contents are insured for less than R350,000. The minimum requirement is burglar bars on all opening windows and doors, as well as latches on sliding doors.
Should your household contents be insured to more than R350,000 then high security is required.
High security includes:
(1) A fully functional alarm that is radio-linked to an armed response service. The alarm must be activated whenever the residence is unoccupied, even if your domestic help is on the property (i.e. resident in his/her quarters);
(2) An Indequity-approved security estate which has appropriate access controls and 24-hour security guards.
Should the value of your household contents amount to less than R350,000, and high security measures be effective, you will be entitled to a discount on your premiums.
Kindly refer to the complete policy wording for more detailed information regarding this section and any extensions there under. You are also more than welcome to contact us for any assistance.