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Understanding Your Needs
Understanding the distinction between cover types is essential for safeguarding your valuable assets. 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 that the cover 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 cover and a policy with fewer restrictions.
COVER COMPARISON
All Risks vs Insured Events
Standard insurance policies typically operate on an “Insured Events” or “Insured Perils” basis, covering only specific listed perils. Consider these scenarios:
Natural Disaster
A massive boulder rolls downhill and destroys your luxury home.
Smart Home Failure
A smart home controller malfunctions due to an accident while you are abroad, damaging your temperature controlled wine collection.
Power Surge
A power surge destroys valuable electronic equipment throughout your home.
Under a Standard "Insured Events" policy, these incidents may not be covered unless explicitly listed. Even when covered, payouts are often significantly limited to predefined sums insured.
"All risks" cover provides substantially broader insurance protection, essentially covering accidental loss or damage unless specifically excluded, without restrictive limits on insured items. For individuals with assets exceeding R3 million, this comprehensive cover prevents exposure to significant uninsured financial losses.
Standard vs High Networth Insurance
Standard Policy Limitations
High Networth Benefits
Signs You Have Outgrown Standard Insurance
Do Not Compromise
Standard Insurance policies are designed for standard homes.
When you own luxury property, live in a security estate or possess high value contents, your cover should align with your asset profile.
High Net Worth Insurance provides enhanced benefits, broader cover and personal service through a dedicated Risk Advisor. This specialized approach ensures your premium assets receive the comprehensive protection they warrant, rather than treating exceptional items as ordinary possessions.
Do Not Compromise
Standard Insurance policies are designed for standard homes.
When you own luxury property, live in a security estate or possess high value contents, your cover should align with your asset profile.
High Net Worth Insurance provides enhanced benefits, broader cover and personal service through a dedicated Risk Advisor. This specialized approach ensures your premium assets receive the comprehensive protection they warrant, rather than treating exceptional items as ordinary possessions.
About You
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