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Individuals

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Personal

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Inspire

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Flawless

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We also have various additional offerings that can be added on to any policy:

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Limited Mileage

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Personal Cyber

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Wheel & Tyre

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Leisure

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[/vc_column][/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” scene_position=”center” text_color=”dark” text_align=”left” top_padding=”10%” id=”insurancetabs” overlay_strength=”0.3″ shape_divider_position=”bottom” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” width=”1/1″ tablet_text_alignment=”default” phone_text_alignment=”default” column_border_width=”none” column_border_style=”solid”][tabbed_section style=”minimal” alignment=”left” spacing=”default” tab_color=”Accent-Color” cta_button_style=”accent-color” icon_size=”24″][tab icon_family=”none” title=”Personal” id=”1554459485870-0-7″ tab_id=”1554459485872-2″]

Personal

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Our personal insurance cover extends to satisfying the specific insurance needs that are associated with household and personal items. These products include: home, motor, personal accident and all risks.

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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

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Included in every Personal Policy:

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

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Accidental damage to buildings or contents
Medical expenses incurred by guests
Loss/damage to guests’ effects
Loss of documents
Loss/damage to property belonging to household employees
Loss of frozen foods due to power outages or appliance breakdowns
Loss of cash (once-off for thefts that occur in the dwelling)
Veterinary fees and expenses for cats/dogs involved in vehicle-related accidents

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[/tab][tab icon_family=”none” title=”Inspire” id=”1554460075632-0-4″ tab_id=”1554460075635-8″]

Inspire

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High Nett Worth Product

Insurance Zone’s Inspire product caters to the up-and-coming individual, providing all of the peace of mind and security inherent in a bespoke insurance product. 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 the All Risks section of an insurance contract, but with Inspire, we cover them on an Assets All Risks basis, with limits suited to rising stars, new executives, decision-makers and entrepreneurs.

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Included in the Inspire policy

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Vehicle cover including retail value extender, car hire options and various excess options available including excess buster
All risk items – 5% of household contents sum insured is free. You can add additional All Risks cover should the 5% not be enough to cover total combined risk
Homeowners – Wall-to-wall cover. Accidental damage included up to the sum insured. 24-hour assist for emergencies and geysers
Household – Emergency assist 24/7
Additional Personal Cyber cover available

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[/tab][tab icon_family=”none” title=”Flawless” id=”1673943106350-2-5″ tab_id=”1554460075635-8″]

Flawless

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High Nett Worth Product

Insurance Zone’s Flawless product is exclusively designed to meet the unique requirements of the high net worth individual. Offering personal and professional advice and services, this product is complemented by our usual attentiveness. More specifically, Flawless clients can expect a specialised methodology of cover, extensions and a dedicated team, as part of a product dedicated to safeguarding the assets of the discerning individual.

Included in the Flawless policy

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Vehicle cover including retail value extender, car hire options and various excess options available including excess buster
All risk items – 10% of household contents sum insured is free. You can add additional All Risks cover should the 10% not be enough to cover total combined risk
Homeowners – Wall-to-wall cover. Accidental damage included up to the sum insured. 24-hour assist for emergencies and geysers
Household – Emergency assist 24/7
Additional Personal Cyber cover available

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[/tab][tab icon_family=”none” title=”Limited Mileage” id=”1673943214147-3-1″ tab_id=”1554460075635-8″]

Limited Mileage

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This product has various tiers to suit every client.

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.

Discount Structure

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

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Benefits

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Vehicle will qualify for flat excess of R3000
Excess buy down options are available
Discount will be valid for 6 months (subject to base rate)

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[/tab][tab icon_family=”none” title=”Personal Cyber” id=”1673943365760-4-8″ tab_id=”1554460075635-8″]

Personal Cyber

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This product can be added to any personal policy

In a world of ever increasing tech private individuals are more connected to the internet than ever before. Our financial, social and daily lives are always connected, shared and openly available to a world we cannot “see”. Domestic cyber-attacks have increased at an alarming 80% over the past 5 years.

With the risks the public face daily, Insurance Zone have produced a market leading product to cover the individual from the various cyber risks at play in an ever evolving digital space providing comfort to clients who are always connected.

Covered on the Personal Cyber policy:

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Theft of funds
Data Restoration/Malware Decontamination
Cyber Bullying, Cyber Stalking and Loss of Reputation
Identity Theft
Cyber Extortion
Network security liability (including IOT)
Privacy breach and Data breach liability

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[/tab][tab icon_family=”none” title=”Wheel & Tyre” id=”1673943565186-5-2″ tab_id=”1554460075635-8″]

Wheel & Tyre

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This product can be added to any personal policy

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 four tiers to suit every vehicle, starting from as little as R30.00 per month!

Wheel and Tyre is a product for every South African driver. This product is simple and easy to understand and use.

Only available for social, domestic, pleasure and business use vehicles. Cover for commercial use is not available.

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[/tab][tab icon_family=”none” title=”Leisure” id=”1673943664851-6-3″ tab_id=”1554460075635-8″]

Leisure

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A policy for your leisure items

Specifically designed to cover leisure items, this product can stand alone or 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.

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