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Personal Short-Term Insurance

Household Insurance

This cover applies to the premises only. Insures the household contents against, fire, lightning, storm, wind, flood, snow, hail, water, explosion, impact damage, theft and malicious damage. Household Contents refer only to the moveable items that can be taken with when a home owner decides to move from one residence to another.

The general minimum security requirements that insurance companies have is that all opening windows including louvres be fitted with burglar bars. Additionally all external doors including glass sliding doors and any inter-leading doors to garages should have security gates on them.

Depending on the product there can be limited cover for jewellery and other high value items. This is normally calculated as a percentage of the Contents sum insured. Additionally jewellery items over a specific value will need to be in a locked safe when not being worn.

Additional extensions either included or available at additional premium, depending on the insurer:

  • Accidental Damage
  • Audio Visual Equipment and Glass
  • Guests and Domestic Staff Property
  • Refrigerator and deep freeze contents
  • Keys and Locks
  • Documents
  • Medical and Veterinary Expenses
  • Accidental Death
  • Rent – should you need to find alternative accommodation if your home is uninhabitable following a claim
  • Security Guard
  • Hole in one
  • Full House
  • Trauma Counselling
  • Clearance Costs
  • Transit – when moving to a new home
  • Damage to Gardens
  • Credit cards
  • Home Assistance
Buildings / Home Owners

This insures the fixed structure against fire, lightning, explosion, storm, wind, water, flood, hail, bursting or leaking of water apparatus and pipes, impact damage. The house should be insured for full replacement value. This means that the buildings must be insured for the cost of re-building the property in its entirety INCLUDING  the cost of tiles, plumbing, roofing, electrical work, architects and other professional fees. Please note that this applies to individual homes only.Should you live in a complex please refer to our Body Corporate page

Additional extensions either included or available at additional premium, depending on the insurer:

  • Glass and sanitary ware
  • Rent– should you need to find alternative accommodation if your home is uninhabitable
  • Water-pumping machinery
  • Public supply or mains connections
  • Public authority requirements
  • Fire brigade charges
  • Demolition and professional fees
  • Security Guard
  • Removal of fallen trees
  • Subsidence and Landslip
  • Home Assistance
All Risks

These are items that are normally worn or carried around with a client. Cover is worldwide

There are 2 types of All Risks:

Unspecified : Clothing and personal effects;

These are items normally worn or carried around with you outside your home.  You select a lump sum figure to cover these. Depending on the product, the insurer may limit a claim settlement to 25% of the total sum insured per item, eg. You have a lump sum of R10 000 cover. Your handbag is stolen with a purse and various other personal items.  You can claim up to R2 500 for the handbag and up to R2 500 for the purse.

Specified All Risks

This encompasses any other items such as cell phones, laptops, high value jewellery, etc. which is listed per item with its value on the policy.

Personal Motor Insurance

This insurance will cover the vehicle against accident, theft and hijack. The vehicle should be insured for retail value plus any additional accessories that have been added such as mag wheels, sports packs, parking assist, etc. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your vehicle causing the damage.

Certain specialised products are also available for high value exotic vehicle as well as classic older vehicles.

Three types of cover are available

  • Comprehensive
    • Covers the vehicle against accident, fire, theft/hijack, window glass damage and replacement as well as liability to third parties
  • Third Party Fire and Theft
    • Covers the vehicle against theft/hijack, fire as well as liability to third parties
  • Third Party only
    • Coves the vehicles against any liability that may arise to third parties as result of accident caused by you

Additional extensions either included or available at additional premium, depending on the insurer:

  • Credit shortfall/Top up cover
    • This will insure against the difference between retail value and the amount owing to the bank / finance company.
  • Car Hire
    • This extension will ensure that the client is able to hire a vehicle for the duration whilst his vehicle is being repaired (normally this is limited to 30 days although some insurers offer a longer period)
  • Windscreen cover-automatically included with Comprehensive cover
  • Emergency Hotel Expenses
  • Wreckage removal
  • Trauma Counselling
  • Locks and Keys
  • Tracking device
  • Medical Expenses
  • Protection and Repair
  • Delivery after repair
  • Repatriation
    • Specialist cover is available for vehicles who travel outside borders of South Africa but within Africa and repatriation is required from the country outside of South Africa in event of accident
  • Roadside Assistance
Caravans

This insurance will cover the caravan against accident, theft and hijack. The caravan should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your caravan causing damage to third party property or third party vehicles.

Additional extensions either included or available at additional premium, depending on the insurer:

  • Protection and Repair
  • Delivery after repair
Motorcycles

This insurance will cover the motorcycle against accident, theft and hijack. The motorcycle should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your motorcycle causing damage to third party property or third party vehicles

Additional extensions either included or available at additional premium, depending on the insurer:

  • Protection and Repair
  • Delivery after repair
Pleasurecraft

This will insure the vessel against accident, fire, lightning, explosion, earthquake, volcanic eruption, malicious acts, theft or attempted theft, loss or damage to outboard motors that are securely fixed to the vessel as well as any liability that may occur to third parties

The vessel should be insured for replacement cost of a similar type and age of vehicle

Additional extensions either included or available at additional premium, depending on the insurer:

  • Credit Shortfall
  • Emergency and salvage expenses
  • Transit risks excluding liability to third parties(this is better insured under the motor section)
  • Skier’s liability may also be available on certain products

Additional equipment such as fishing equipment

Personal Liability

This covers you against liability that you may become legally liable to pay as compensation for accidental death, bodily injury or accidental loss.

This cover is automatically added in if Household Contents is taken.

Travel Insurance

You’ve just purchased a trip of a lifetime and are ready to fly off to dip your toes in soft white sand and warm turquoise waters. Wait! What if something goes wrong?

Travel insurance is an all important aspect of your trip. We offer various packages to suit your needs and you budget. Most travel insurance starts when you arrive at the airport to catch your flight – we offer cover from when you leave your front door! That will cover you even if you have an accident on the way to the airport and have to reschedule your dream trip!

Call us for a quote!

M and W Insurance Brokers has won the Santam silver award for brokers in the KZN and was nominated for an award from MUA Insurance Acceptances.

M and W Insurance Brokers are proud members of the Financial Intermediaries Association and the Insurance Institute of KZN.