All Risks Insurance provides broad protection against accidental loss or damage to specified items, covering causes not explicitly excluded in the policy. This includes theft, fire, riot and strike, accidental damage, and other unforeseen events.
What is covered
- Jewellery & watches – Protects high-value personal accessories from accidental loss or theft
- Electronics & gadgets – Laptops, cameras, tablets, and other portable devices
- Musical instruments – Safeguards instruments from accidental damage or theft
- Fine art & collectibles – Paintings, sculptures, and other valuable artworks
- Sports equipment – Covers equipment for personal or professional use
Coverage can be scheduled with detailed descriptions and values, or for unspecified items subject to single-article limits. Portable items may also be covered worldwide, subject to policy exclusions and conditions.
Key features
- Broad risk protection – Covers accidental loss or damage from fire, theft, accidental damage, riots, strikes, and other unforeseen events
- Flexible coverage options – Scheduled or unspecified items, domestic or international coverage
- High-value item focus – Ideal for valuable, portable, or easily lost items
- Worldwide coverage – Portable assets can be insured globally (conditions apply)
- Easy claim process – Hassle-free claim handling with clear terms and limits
Key benefits
- Financial security – Replaces or repairs valuable items lost or damaged
- Peace of mind – Protects against accidental risks for personal and business assets
- Flexible & customizable – Tailored coverage for individuals, SMEs, and businesses with high-value items
- Portable asset protection – Ensures coverage for items that travel domestically or internationally
