Short-term Insurance

Introduction to Short-term Insurance Personal short-term insurance Short-term Insurance for your business Important to know before you buy short-term insurance!

Introduction to Short-term Insurance

Short-term Insurance provides protection for your valuable possessions and assets, for the day that you experience an unexpected loss or damage to your belongings.   If the day arrives that you experience an unexpected loss or damage to your belongings it is important to have correctly defined short-term insurance that addresses your loss as you would expect! It will be a very big shock for an insured if he/she was under the impression that he/she had coverage for a claim event and then suddenly realises that the gimmicks advertised when buying the product don’t pay claims!   Whether you use use experienced financial advisors representing big brand short-term insurance product providers direct or by finding an financial advisor in your town by following the links on this website, to find you the correctly defined benefits aligned to your unique needs and circumstances, use an advisor with experience! Cash back and cheap premiums must be a bonus and not the reason you buy short-term insurance! Definitions of benefits should always be the most important factor to consider!

Personal short-term insurance

Items that can be covered by personal short-term insurance: Car insurance Choose between different levels of cover for your car - comprehensive cover, limited cover or liability to other parties cover Building insurance Building insurance is to cover any fixed structures you own or rent – including your home, outbuildings, fittings and fixtures. Contents insurance This section covers all the personal possessions inside your home and outbuildings. These items must belong to your or to any members of your household who live with you All-risk insurance This section covers personal possessions that you usually take out of your home and which belong to you or to any member of your household who live with you. Bicycle insurance Whether you cycle competitively or for pleasure, we will find bicycle insurance that offers protection for your bicycle. Watercraft insurance Watersports are a fun way to spend your leisure time, but they can become an expensive hobby. With watercraft insurance you are covered against theft or damage. You can cover any motorboat, ski boat, wet bike, fittings and accessories.

Short-term Insurance for your business

Items wat verseker kan word met korttermynversekering vir besighede: Vehicle cover Choose between different levels of cover for your car - comprehensive cover, limited cover or liability to other parties cover Buildings cover This section covers your main building and outbuildings. Short-term Insurance also cover all permanent fixtures, fittings and improvements, such as driveways, walls, patios, swimming pools, gate motors, tennis courts and underground pipes. Dams and dam walls, loose gravel paths and coverings as well as pool cleaning equipment are excluded. Contents cover This section covers the furniture and other movable possessions inside your building. All Risk cover This section covers possessions that you or your colleagues or employees usually take away from his place of business. These items could have worldwide cover. Business interruption cover This section covers the financial loss you can suffer following an interruption to your business. Electronic equipment cover This section covers your clients’ computers, licensed software, and other electronic business equipment. Employer’s liability This section covers damages that you are liable to pay to an employee following an incident which occurred in the course of or in connection with this person’s employment with the business. Money cover This section covers your cash, cheques, postal and money orders, postage and revenue stamps, credit cards vouchers, and other negotiable instruments. Public liability This section covers damages that you are liable to pay following an incident that occurred in the course of or in connection with the business. Stock cover This section covers your client’s raw materials, goods being manufactured or traded and other goods for which he is responsible as part of his stated business activity. Stock in transit cover This section covers your stock while it is being transported. Employee dishonesty This section covers losses following acts of fraud or theft by your employees.

Important to know before you buy short-term insurance!

To get peace of mind that you have protection for your valuable possessions and assets it is important to compare short-term product definitions, excesses payable, exclusions applicable and terms and conditions offered. If you find insurance advertised with gimmicks of cash back or cheapest premiums for example, the chances are good that by the time you find out what the truly important factors are, namely the definitions, it will be to late to rectify your mistake. Financial advisors have the experience to compare products with your needs and find the best solution for your unique circumstances. If you get a very affordable premium and/or some form of incentive like cash back, it should be a bonus with a product containing quality definitions and not the reason why you buy the short-term insurance!
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