Individuals

Comprehensive insurance tailored to meet your personal needs.
We have three levels of domestic insurance that we offer,
each aimed at various target markets.

Personal

Inspire

Flawless

Leisure

Limited Mileage

Personal Cyber

Wheel & Tyre

Personal

Insurance Zone Personal Insurance Home Vehicle Asset cover

Comprehensive policies that span a range of covers for household and personal items. Our product has been designed with various extensions of cover to meet the needs of domestic risk. This means cover for your residential property, outbuildings, holiday homes and contents within your home, as well as special cover for collections such as art, jewellery or watches.

Home Dwellings, outbuildings and contents cover
Motor Comprehensive, third party fire & theft, balance of third-party options
Liabilities Broad form available
Personal accident Loss or damage in transit by rail, road, air or post
Accident / health In the event of disability or death
All risks Standard and tailor-made risk cover

Qualifying Criteria:

Our product has been developed and designed with various extensions of cover which have been selected to meet the needs of domestic risk.

  • Minimum age 25
  • No motor only
  • Minimum contents R150 000
  • Minimum homeowners R1 000 000
  • All quotes subject to claims and loss ratios
  • 55 yrs and older – nil basic excess

Inspire

Insurance Zone Inspire Personal Insurance Home Vehicle Assets

The Inspire product caters to the affluent individual, providing all of the peace of mind and security inherent in a bespoke insurance product. Key to this product is that items of specific importance to the Inspire client are often removed from the home to be used on the go: high-end cameras and video equipment, fashion items, jewellery and watches. These would usually form part of All Risks insurance, but with Inspire, we cover them on an Assets All Risks basis, with varying limits to suit each individual.

Home Dwellings, outbuildings and contents cover
Motor Comprehensive, third party fire & theft, balance of third-party options
Liabilities Broad form available
Personal accident Loss or damage in transit by rail, road, air or post
Accident / health In the event of disability or death
All risks Standard and tailor-made risk cover

Qualifying Criteria:

  • Minimum age 30
  • Minimum contents sum insured R1 000 000 – where no homeowners cover is included
  • Minimum combined non-motor assets of R2 500 000 which is subject to a minimum contents of R1 000 000
  • Subject to claims history
  • 55 yrs and older – nil basic excess

Flawless

Insurance Zone Flawless Personal Insurance Policy Home Vehicle Asset

The Flawless product is exclusively designed to meet the unique requirements of the high net worth individual. Flawless clients can expect a specialised methodology of cover, extensions and a dedicated team always available to them as part of a product dedicated to safeguarding the assets of the discerning individual. This product also includes higher limits in respect to asset all risk cover.

Home Dwellings, outbuildings and contents cover
Motor Comprehensive, third party fire & theft, balance of third-party options
Liabilities Broad form available
Personal accident Loss or damage in transit by rail, road, air or post
Accident / health In the event of disability or death
All risks Standard and tailor-made risk cover

Qualifying Criteria:

  • Minimum age 35
  • Minimum contents sum insured R1 500 000– where no homeowners cover is included
  • Minimum combined sum insured R3 500 000, subject to minimum contents of R1 500 000
  • Subject to claims history
  • 55 yrs and older – nil basic excess

Leisure

Insurance Zone Leisure personal Insurance 4x4 motor cross boats yachts watercraft cover

Specifically designed to cover leisure items, this product can be combined with an existing policy. Our leisure insurance covers items like boats, yachts, catamarans, jet skis, windsurfers, paddle skis, motorcycles, quad bikes and 4×4 vehicles.

Limited Mileage

Limited mileage is a product that looks after those clients that don’t spend as much time on the road. Given the mileage that is recorded, the client will qualify for various discounts on the specific vehicle, subject to specific terms and conditions.

This product has various tiers to suit every client.

Discounts range from 15% to 40% depending on mileage and value of the vehicle.

General Conditions:

  • Vehicle must be insured on a comprehensive basis
  • Vehicle must be claims free for the preceding 12 month period to qualify
  • Client must provide proof of mileage for the required period by way of images
  • Only applicable to private type vehicles
  • Not available to business use vehicles
  • Not available to drivers under 23 years old
  • Minimum vehicle sum insured must be R150 000

Personal Cyber

Insurance Zone Personal CYBER INsurance Home Vehicle Asset cover

In our constantly-connected world, protecting ourselves has become increasingly difficult. Domestic cyber-attacks have increased at an alarming rate over the past 5 years. Banks and financial institutions can no longer carry the losses and are passing this onto their clients, and cyber criminals are pushing the boundaries harder to infiltrate the general public’s devices, personal information and hard-earned money. Insurance Zone has produced a market-leading product to cover the individual from the various cyber risks at play in an ever-evolving digital space.

Cover includes:

  • Theft of funds
  • Data Restoration / Malware Decontamination
  • Cyber bullying, cyber stalking and loss of reputation
  • Identity theft
  • Cyber extortion
  • Network security liability (including IOT) and privacy breach and dat breach liability

Wheel and Tyre

Wheel and Tyre is a bespoke product that covers direct damage caused by a road hazard to any tyre and/or rim of your vehicle, subject to specific terms and conditions. This product has three tiers to suit every vehicle, starting from as little as R30.00 per month!

Contact us to find out more about our personal insurance offering