Personal Insurance

At Chadwicks we realise you have a multitude of choices when it comes to finding the best personal insurance South Africa affords. Our mission is simply to provide you with the best insurance policy, at the best possible premium, backed by our “fast, friendly and simple” service approach to revolutionizing insurance.

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Building Insurance
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House Contents
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All Risks
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Motor Insurance
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Pleasure Craft
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Personal Liability
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Travel Insurance
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Personal Accident Insurance
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High Net Worth
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Assets

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    Building

    It is essential to understand what your insurance policy defines a building as. Usually, it is the actual structure with all fixtures and fitting and other named structures like driveways, gates, fences etc. - check your policy to ensure your building falls within the ambit of cover provided by your policy.

Main Coverable Events

  • Storm

  • Fire

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    House Contents

    Essentially, the assets that remain, should be able to turn your building upside down, are the House Contents. The main insured events covered under House Contents are Fire, Storm and Theft. Always check you have read the policy exclusions. An example of a risk that is excluded is “Wear and Tear” or any gradually operating cause.

Main Coverable Events

  • Storm

  • Fire

  • Theft

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    All Risks

    An all risks insurance policy, is essentially cover for all loss or damage to specified property, subject to the listed policy exceptions. Some typical exclusions are wear & tear, mechanical/electrical breakdown, inherent vice and theft from unattended vehicles. Be sure to read your policy to ensure you are aware of all the exclusions.

Main Coverable Events

  • Storm

  • Fire

  • Theft

  • Accidental Damage

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    Motor

    The three types of cover offered by motor insurers, are Comprehensive, Balance of Third Party, Fire and Theft and Third Party only. Comprehensive is the widest cover, basically covering accident to the car, theft and liability to third parties, arising out of the use of the car.

Main Coverable Events

  • Storm

  • Fire

  • Theft

  • Accidental Damage

  • Liability

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    Pleasure Craft

    Watercraft come with their own unique set of risks and yet, are similar to motor car when it comes to insurance, in that the policies will usually differentiate between the accident damage to the pleasure craft, passenger liability and liability caused to third parties out of the use of the boat – like pulling a water skier for example.Just think what can go wrong…

Main Coverable Events

  • Storm

  • Fire

  • Theft

  • Accidental Damage

  • Liability

LIABILITY

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    Personal Liability

    A common mistake made by some people, is to only concentrate on the insurance of their own assets (sometimes called first party insurance). While securing comprehensive insurance cover on your assets is key, transferring the insurable risk exposure you have as a natural person to third parties, is critically important.

Main Coverable Events

  • Civil Legal Liability arising from accidental damage to Third Party Property or death/injury to Persons

ACCIDENT TO PERSONS & PROPERTY

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    Travel Insurance

    Travel insurance is available for local and international travel. The cover provided usually includes flight/trip cancellation, liability, lost baggage, emergency medical expenses etc. Personal Accident essentially covers death and permanent disability, to natural persons, arising from an accident.

Main Coverable Events

  • Personal Accident

  • Medical Emergencies

  • Liability

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    Personal Accident Insurance

    Personal short term insurance policies are able cover eventualities like death and permanent disability, following accident to insured named persons. This is facilitated by selecting a sum insured for the insured eventuality, on a named person basis,

Main Coverable Events

  • Accident

SPECIALISED

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    High Net Worth

    Our select high net worth policies are designed for clients with a higher than average asset sums insured. Higher than average sums insured, also means cover and service that should be higher than average, and it certainly is. For example, Accidental Damage asset cover usually comes as standard (often referred to as All Risks Asset cover), resulting in wider coverage and a policy with less restrictions.

Main Coverable Events

  • Same Events As “Personal Insurance”, except on a wider cover level

The Importance of Personal Insurance

We do not take the responsibility of insuring you and your family's personal property and possessions against the unforeseen lightly. We also understand that the transaction does not end with competitive insurance premiums - our service is ongoing and includes general policy advice and maintenance throughout the year and, of course, a personalised insurance claims service which is managed in-house.

Professional Personal Insurance

You will experience our high level of personal and professional service every time you interact with Chadwicks. Unlike many telephone based and 'insurance direct' companies, our team has many years' experience, allowing us to handle enquiries and insurance claims efficiently. Don't look any further for the brokers offering the best personal insurance in South Africa.

With Chadwicks Risk & Insurance Brokers you can rest assured that your insurance policy will be handled by an insurance professional, not a call centre employee! Contact us today.