What we check
- Specified itemsHigh-value items listed individually, each with its own value.
- Unspecified itemsA general amount for everyday things like clothes and handbags, usually with a per-item limit.
- Proof of ownershipReceipts, valuation certificates or photos with serial numbers.
- Where you're coveredSome policies cover you only in South Africa, others worldwide.
- Replacement vs. cashWhether the insurer replaces the item or pays out its value.
- Excess per itemA high excess can make smaller claims not worth it.
Common mistakes
- Assuming contents cover goes with youIt usually only applies inside your home.
- Jewellery valued years agoGold and diamond values change. Get valuations updated.
- Leaving items visible in the carMany policies exclude theft from an unattended vehicle unless there's forced entry and the item was hidden.
Is your current policy still right for you? Policies that were right a few years ago often aren't today. A review costs nothing.
Common questions
Is my phone covered by my home insurance?
Usually only at home. Away from home, it needs portable possessions or all-risk cover.
Is it worth it for one phone?
Compare the premium and excess with the replacement cost, and check whether your bank or contract already includes cover.
How this applies to you
General information only goes so far. Your age, family, debts and existing cover all change the answer. A free 15-minute call is the quickest way to find out where you stand.