Worldwide cover for laptops, phones, jewellery, cameras and gear — protected anywhere, any time, against loss, theft and accidental damage.
Portable possessions (also called 'all-risk specified') cover protects items you regularly take outside your home, anywhere in the world, against accidental loss, theft and damage.
Ready when you are
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Protected on holiday, at work, anywhere in the world.
Drop your phone? Lose your wedding ring? Covered.
Itemise high-value items for guaranteed replacement.
Including liquid damage and screen replacement.
New-for-old replacement on declared items.
Bikes, helmets, cleats — covered on the road.
Contents only covers items inside your home. As soon as you leave with that laptop or watch, you need portable possessions cover.
Items under R5k are usually covered unspecified. High-value items (watches, jewellery, cameras) should be specified with proof of value.
Yes — including theft from car, restaurant, gym or street snatch. Most policies require you to report to SAPS and the insurer within 24–48 hours.
Standard cover is worldwide. We recommend pairing with travel insurance for medical and trip-related claims.
Household contents insurance covers the movable items inside your home — furniture, appliances, electronics, clothing, linen, crockery, jewellery kept at home and similar belongings — against theft, fire, storm and water damage, and listed accidental damage. It does not cover the building structure itself; that's buildings insurance.
Portable possessions cover specified, itemised high-value items. All-risk is a single lump sum for unspecified everyday items — easier to manage, lower premium.
It's not legally required, but every bank requires it as a condition of your home loan. If you own your home outright it remains strongly recommended — rebuilding even part of a structure can run into millions of rand.
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Learn more →Every cover type, exclusion and claim rule explained in one pillar guide.
Head-to-head breakdowns of the choices most SA households get wrong.
Province and city pages with local risk, pricing and claim patterns.