Products - Personal Insurance
Using the expertise, resources and infrastructure of Santam, together with the proven product and benefits developed by Snyman van der Vyver, Namsure offers a special personal lines policy to individuals.
Property Insurance
House contents
The basic cover insures household effects against various contingencies while inside the home or at certain places outside the home. Deterioration of the contents of a refrigerator or freezer, personal belongings of guests and domestic workers, veterinary expenses, trauma cover, the cost of security to safeguard your home after damage and much more are automatically covered.
You might also consider accidental damage with mechanical and electrical breakdown for the belongings in your home.
All risks
Certain items such as laptops, jewellery, cameras, sports equipment, mobile phones and bicycles are frequently used outside of the home, requiring wider cover.
Buildings
The basic cover insures the house, outbuildings, fixtures and other structures against the contingencies such as fire, storm and burglary. Fire brigade costs and loss of rent are covered automatically.
From the optional cover, you can choose subsidence and landslip as well as accidental damage cover for the machinery of swimming pools, boreholes, irrigation systems, electric gates and garage doors.
Vehicles
One can select from comprehensive cover (with or without theft) or limited cover (provides cover for fire and theft only). Liability is included with these options although it can be taken on its own.
Trauma cover due to hijacking, emergency accommodation, medical costs, replacement with a new vehicle and many more features all form part of the basic cover.
Optional cover is available for car radio's, compact disc players and phones, car tools, spare parts and travel accessories. The difference between the balance outstanding on the hire purchase agreement and market value of your car can also be insured.
Comprehensive cover is available for caravans (including the contents) and trailers.
Water craft
Cover is available for water craft such as motor boats, sail boats and jet skis, amongst others, while on land or water. Injury to others or damage to their property is covered under water craft liability.
Thatch risk
Offering a sophisticated service which is tailored to individual customers, this product takes into consideration additional safety factors such as:
- Fire retardant thatching
- Roof drenching systems
- Concrete underlay
- Dedicated hose reels
- Strategically-placed fire extinguishers
- Fireplace design
- Proximity of the building to the nearest fire station
Cover is on an All Risk basis, resulting in much broader policy wording.
Extensions have higher limits and accidental damage is included automatically up to the maximum building or contents sum assured.
Liability and legal aid insurance
Personal legal liability
Protecting you against risk due to being held legally liable for the death or injury to others or damage to their property, this cover is included if your house contents or buildings are covered by the policy. Also covered is liability which you may incur as a tenant of buildings or when your credit cards are lost.
Vehicle liability
This can be taken separately and is referred to as third party cover. Damage to your own vehicle is excluded. This cover is automatically included for vehicles comprehensively insured under Vehicles on a policy.
Water craft liability
Covering death or injury to others or damage to their property caused by your water craft and you are held legally liable. This cover is automatically included under Water Craft on a policy.
Extended personal legal liability
This extends your basic covers for any liability on the policy up to the amount chosen by you.
Riot cover
Available as an option, riot cover provides cover for damages or losses arising from strikes, public disorder and riots.
