OUTsurance

Contents insurance covers all your personal possessions which are inside your home and which belong to you and any members of your household who live with you.

Contents cover includes cover for

• fire, explosion and earthquake
• acts of nature (wind, thunder, lightning, storm, hail, flood and snow)
• damage caused by bursting and overflowing of geysers or water pipes
• theft
• power surges
• impact
• accidental breakage to TV, mirrors and glass forming part of any furniture
• fire brigade charges 
• contents being transported when you move
• subsidence, heave and landslip 
• temporary accommodation 
• liability to other people (including domestic employees)

Optional Cover

• Theft cover for holiday homes
• Garden and leisure equipment includes garden furniture, braai equipment, pool cleaning equipment and jungle gyms
• Theft of contents in transit when you move
• Goods used for business purposes covers items in your home which you use for business purposes
• Extended liability covers you for damage to property or injury to other people up to R10 million or R20 million

Benefits

• Our fixed excess means that you pay the selected excess and it remains fixed regardless of the nature or value of your claim.  You can select the excess option which suits your pocket (from as low as R1000); the higher the excess, the lower the premium.
• We have an approved panel of service providers who are selected according to strict service and quality standards.
• Membership of HELP@OUT is free and offers 24-hour home emergency assistance.  Should you need help in a home emergency (whether it's a plumber, electrician or beekeeper) HELP@OUT will arrange this for you.
• Automatic inflation-linked adjustments are made annually to ensure that your contents cover keeps pace with inflation.  This ensures that your contents won't be under-OUTsured.