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Household Contents Cover

Life is busy and we are always on the go, you need all risk cover for loss  or damage that suits your lifestyle and which comprehensively covers your personal possessions that you carry with you outside of your home.

Cover on the go offers you just that peace of mind for all your items from iPods to jewellery, with Cover on the Go your

insurance is where ever you are.

Unspecified Items on the go

Any items valued at under R 2000 per item will be covered under this section

You can decide on the amount to insure for, if you generally carry a large number of items on you then we can tailor the cover for you.

Specified Items on the go

Any item valued over R 2000 per item is specified under this section

Cover your most valued possessions and have peace of mind while not at home

Angel Assist

Angel Assist 24/7 Emergency Services

Our specially designed Angel Assist program gives you peace of mind in any event and all benefits are available to all policy holders regardless of what cover you have. In other words we don’t limit our home assistance to policy holders that have contents or building cover, if you have a policy with Affinity then you benefit from all the amazing 24/7 Angel services;

      24/7 Roadside Assistance & Towing

 Home Assistance

 Lawyer SOS

Building Cover Benefits Include

 Loss of Rent

 Rent to live elsewhere

 Professional Fee’s

 Glass and Sanitary ware

 Public Utility Supply

 Fire Brigade Charges

 Demolition Charges

Accidental Damage

Subsidence and landslip

Our personal lines policies are designed to cover all aspects of your life and this includes caravans, trailers and watercraft, if it’s the outdoor life of exploration and camping or the thrill and excitement of water sports we have your privately used valuables covered.

Cover Benefits Include

Accident

Fire

Emergency Salvage Expenses (Watercraft)

Malicious Damage

Theft

Transit Costs (Watercraft)

Outboard motors  (Watercraft)

Personal Insurance

Affinity Underwriting Managers have a number of Personal Lines solutions and products that offer all round solutions. In addition, Affinity’s tailor made solutions suit our brokers’ needs, we are able to modify our base products to suit our brokers business and their client’s needs developing products that work and make sense in their business, that being one of our strengths, we do not force you to fit into “our” model of business and solutions. We offer “cheapest” monthly money saving packages and solutions for the cover conscious client. Our range of products ensure that your client is correctly insured for all their insurance requirements. Select on one of the insurance classes below for more information;

Car

Household Contents Cover

Goods On The Go

Builidingds Cover

Caravans, Trailers & Watercraft

Car

Our comprehensive, total cover motor packages all include our Angel Assist Program which offers unique

peace of mind solutions to your clients when they need it most. The Affinity

Underwriting Managers packages are designed to cover life’s unforeseen events like

small bumper bashes to major accidents, theft and hijackings, fire, malicious

damage, additionally we cover hail damage which is not standard cover with

all insurance policies but is automatically included in all our products.

We have developed Motor products that suit all insurance needs.

Affinity Blue is designed to offer low excess affordable cover and

Affinity Green is a higher excess cheaper alternative for those

that are watching their pocket.

Affinity Underwriting Managers Motor Insurance

Standard insurance policy with additional extra’s that make it extaordinary

Cover Options

Comprehensive

Third Party Fire & Thefta

Third Party Only

Built In Benefits

Excess Buyback Options

Car Hire

Accessories Cover

We understand that when something happens, it can effect you severely, our household cover has been developed with that in mind. In the event of an accident, burglary, theft or loss the Affinity Household Contents Cover gives you peace of mind knowing that you are covered for items damaged or stolen at your  home.

Additionally with our 24 hour Angel Assist looking over you for all your home emergencies we will send one of our specialised angels to assist within 2 hours to help.

This would cover movable items, typically any item that can be removed from the house

Furniture (lounge suites, beds, dining tables and chairs etc.)

Moveable Carpets and Rugs

Clothes, shoes, blankets, Linen and towels

Home tools and gardening equipment

Toy and sporting items

Our policy includes cover for

Fire & Lightning

Subsidence or Landslip

Accidental Damage

Jewellery, Watches, Precious stones and Furs (See Policy schedule and wording for conditions)

Break In and Theft

Accident Cover when moving

Goods in storage cover

Accidental Breakage of Devices

Medical Expenses

Deterioration of Food

Stolen washing and garden furniture

Guests Belongings

Money Stolen from your home

Personal documents, coins and stamps

Locks and Keys

Credit or bank cards

Hole in one/bowling full house

Domestic’s Employee’s belongings

Home Assistance is included on all policies (See Angel Assist for more detail)

Veterinary Expenses

Angel Assist 24/7 Emergency Services

Home Contents benefits include;

What types of building structures are covered

Free Standing Home

Stand-alone home in residential suburb or farm

Cluster

Stand-alone units where compared to estates the houses are usually smaller. Normally in a complex where communal services are shared like security entrance etc.

Complex

Houses and apartments in the same complex sharing a communal entrance, where the entrance is not guarded.

Security Complex

Houses and apartments in the same complex sharing a communal entrance that has a 24/7 security guard manning the entrance.

Flat above ground level

A unit which is in a block of flats that is not on the ground floor.

Flat on ground level

A unit which is in a block of flats and on the ground floor with a small garden.

Retirement Village

Security Complex or cluster specifically designed for pensioners which includes on site medical facilities and pensioner assistance.

Golf Country Estate

A housing estate which usually surrounds a golf course, the homes are usually larger than standard homes. The estate has 24/7 guarded entrances as well as guarding and monitoring of the estate.

Cottage or Garden Cottage

A fully functional apartment which is on a houses main residence but is independent usually with its own living area, kitchen and bathroom.

 Hour home structure

 Garages

 Outbuildings

 Swimming Pool Structures

 Walls

 Gates & Fences

 Tennis courts

 Fixtures and fittings

Our building policy includes cover for

Fire, Lightning, explosion or earthquake

 Storm, wind, water, hail or snow

 Bursting of water pipes

 Impact damaging your home

 Break in or theft

What is covered in the home

Angel Assist 24/7 Emergency Services

Affinity Underwriting Managers specially designed Angel Assist program gives you peace of mind in any event and all benefits are available to all policy holders regardless of what cover you have. In other words we don’t limit our home assistance to policy holders that have contents or building cover, if you have a

policy with Affinity then you benefit from all the amazing 24/7 Angel services;

      24/7 Roadside Assistance & Towing

 Home Assistance

 Lawyer SOS

Angel Assist

We know that buying a home is one of the biggest financial commitments a family will make and that you need peace of mind knowing that your home is correctly insured, our Buildings Insurance Cover covers your home in the event of damage to the physical structure of your building and to any permanent fixtures or fittings.

(These may vary and depends on the product):

Pothole protect

This is not standard on most motor insurance policies, Pothole Protection is a needed addition to policies considering the state of our roads in South Africa

Hail Damage Cover

Some motor insurance policies exclude hail damage in your policies, with Affinity you know you are covered for life’s unforeseen events including hail damage.

Claims Advisor

Once your claim is sorted out you might need assistance in further matters like getting your excess back from a third party etc. This valuable addition makes our motor product unique and even more attractive for your clients

Optional Add On’s

Our specially designed Angel Assist program gives you peace of mind offering you peace of mind in any event and all benefits are available to all policy holders regardless of what cover you have. In other words we don’t limit our home assistance to policy holders that have contents or building cover, if you have a policy with Affinity then you benefit from all the amazing 24/7 Angel services;

          24/7 Roadside Assistance & Towing

          Home Assistant

          Medical Assistance

Lawyer SOSsure and Entertainment

Careers

Frequently Asked Questions

Document Downloads

Affinity Quick Links

Complaints & Compliance

Our specially developed products, Affinity Blue and Affinity Green have been developed to offer you and your valued clients options that will suit both policy holders needs and pocket, these products will give you a lower premium for client’s that want to save monthly and have to look after a monthly budget through the spectrum of options to policy options that offer very low flat rate excesses. We have the solutions to your clients needs.

Goods on the Go

Building Cover

Caravans, Trailers and Warercraft