General Insurance

IN General Insurance, these are many common kinds of general insurance products:

What is Car insurance?

Cover may include:

Loss or accidental damage to your car.

Damage you might include to someone else's property or car.

Motor Car insurance or motor insurance covers you against accidental damage to or loss of, your motor car. The maximum amount you will be paid if your car is damaged beyond repair or stolen and never recovered is the market value of the car (ie, what it was worth immediately before the incident or accident).

Motor Car insurance can also cover you against damage you might cause to someone else's vehicle or property.

There are three broad categories of motor Car insurance:

Comprehensive - this policy offers the greatest level of cover for accidental loss of, or damage to, your car and for any damage you include to someone else's property or car (no matter whose fault or problem it is). This also includes other costs associated with an accident such as salvage and towing fees.

Third party  fire and theft - as the name advise, you are only covered for damage you include to someone else's car or property, for damage to your own Car caused by fire, and for theft of your own CAR.

Third party property damage - you are only covered for damage you cause to someone else's car or property. You are not covered for damage to or loss of your own car. Third party property damage cover tends to be the least expensive form of motor car insurance.

Read Some Stories like Yours

What is Home insurance?

Cover for your house, which may include permanent decks, fixtures and fittings, letterboxes, building area, clothes lines and outbuildings and more.

Your home is very important for you like your haven, one of your most prized assets. Home insurance helps you it stay that way. It provides cover for your home, fixtures and fittings, letterboxes, building area, clothes lines, outbuildings and more all things. The amount of cover provided may extend to the cost of repairing or rebuilding your home(haven), not its government or market valuation.

There are 3 important general categories of home insurance:

Total replacement or "no sum insured" policies cover costs associated with rebuilding your home like haven up to the same square meterage it was before the damage with no limit that to the sum insured.

"Replacement sum insured" policies have an agreed dollar value limit set at the time the policy is established. Cover is allow up to the sum insured.

"Indemnity" or "present day value" policies pay out the equivalent of the market value of the house, immediately before the damage appear, up to the sum insured. It takes into account reduction , wear and tear, and the general condition of the house.

Read Some Stories like Yours

Contents/jewellery insurance

Cover for your personal belong may include furniture, furnishings, appliances, clothes and valuables all things.

Contents insurance

Contents insurance provides cover for your own personal belongings, which may include furniture, furnishings, appliances, clothes and valuables that are normally located in or around your home.

There are two important general categories of contents insurance:

"Replacement cover" means the insurer will pay the cost of replacing a lost or finished item, or repairing a damaged item. Most insurers provide(give) replacement contents cover up to a maximum value (the "sum insured"), and may bring down certain limits on the age of items that will be replaced.

"Indemnity" or "present day value" cover pays you either:

a) the market value of the contents at the time of your loss or damage, or

b) the cost of replacing, reparing or reinstating the contents to a condition no better or more 

   expensive(big-ticket) than when new, less an allowance for depreciation and wear and tear.

Read Some Stories like Yours

What does it cover?

The events or circumstances(portion) covered by contents insurance vary from policy to policy, so it's important you read your policy to fully understand what is and isn't covered.

We can cover your contents for accidental loss or damage at your home or anywhere. You also have the option of covering contents for specified perils.

Jewellery insurance

Jewellery is normally covered by your contents insurance. In the event of a claim, you will be required to provide proof of ownership and with most policies, any jewellery worth more than a sure value needs to be itemised and described in the policy. It's a good idea to have your most wanted items of jewellery valued on a regular basis to ensure you have the right level of cover.

Read Some Stories like Yours

Travel insurance

Cover may include medical costs, material , transport delays, trip cancellation and rental car excess while travelling overseas.

Travel insurance most covers the risk(chance) of you incurring unexpected expenses as a result of various events or circumstances, while you're holidaying overseas.

A travel insurance contract is normally short-term, beginning and ending on predetermined(present) dates - ie, the dates you depart and arrive back at home. Some travelers select to purchase travel insurance as soon as they've paid for their tickets, providing(buy and give) cover in the event that they need to cancel their bookings.

The events and circumstances covered vary from policy to policy, and your choice will be dictated to a large extent by the countries you are visiting and the amount(payment) of time you are away. Typically, travel insurance will cover some or all of:

Illness developed overseas resulting in large medical bills and perhaps preventing your ongoing travel.

Theft of   luggage,passport, money and travel important documents.

Major(large or important) transport delays disrupting your ongoing travel.

Costs associated with cancellations or mutation to your travel schedule due to unexpected events.

Excess on rental car insurance.

Read Some Stories like Yours

Business Insurance

In this?This may include cover for your business assets, business interruption, public liability, machinery breakdown or problem, deterioration of stock, cars, employers and statutory liability.

An important part of running your business in effect lies in your ability to manage any unplanned setbacks.

Insurance is a very powerful tool for protecting the many things that are at stake if you experience serious issues that prevent 'business as usual' - your ability to pursue the activities that provide revenue.

Business risks are varied and require specialist planning to ensure that you have the best options at your disposal if an unforeseen event appear. Minimising business risk does not just make good finance sense - it is a key part of ensuring your ability to meet your legal responsibilities and protect yourself from litigation should your activities cause damage.

Insurance policies designed(intentional) to meet business risks include:

Property Damage Insurance - save you for accidental loss or damage to your insured property at your business premises.

 Business Interruption Insurance -  save you for lost business profit as a result of accidental loss or damage to your property

Machinery Breakdown Insurance - save you for sudden and accidental breakdown of your electrical and mechanical plant

Goods in Transit - covers you against accidental loss or damage to your property while in transit in anywhere.

Motor Car Comprehensive Insurance - covers you against accidental loss or damage to your car

Read Some Stories like Yours