FAQ

Short-term insurance provides financial protection for assets such as your car, home, or belongings against unforeseen risks like theft, accidents, or natural disasters.

It helps you mitigate financial losses by covering unexpected costs due to damages, theft, or liability claims.

1. Comprehensive: Covers your vehicle and third-party damages.
2. Third-party, fire, and theft: Covers third-party claims, vehicle theft, and fire damage.
3. Third-party only: Covers damages you cause to others’ property.

Yes, second-hand cars can be insured based on their market or agreed value.

1. Building insurance: Covers the structure of your home against risks like fire, floods, or storms.
2. Contents insurance: Protects personal belongings inside your home against theft, damage, or loss.

Some policies cover power surge damages caused by load-shedding, but it’s essential to confirm this with your insurer.

All-risk insurance covers personal items you take outside your home, such as phones, laptops, or jewellery.

High-value items typically need to be specified, while general items may be covered under an unspecified limit.

Insurance safeguards your business against risks that could result in costly lawsuits, damages, or interruptions. Many industries also require insurance for regulatory compliance or to secure contracts.

Here are some common types:

• General Liability Insurance: Covers third-party bodily injury, property damage, and advertising injury.
• Commercial Property Insurance: Protects your physical assets like buildings, inventory, and equipment.
• Professional Liability Insurance : Protects against claims of professional mistakes or negligence.
• Commercial Vehicle Insurance: Covers vehicles used for business purposes.
• Cyber Security : Protects against cyberattacks and data breaches.
• Business Interruption Insurance: Compensates for lost income due to a covered event