It’s also important to think about how you can protect your belongings from potential risks like fire, floods, hail, and theft. That’s why you need insurance that covers not only the structure of your house, but also your home contents.
Home Insurance
- Includes cover for electronics, appliances, furniture, and even the food in your fridge
- We have you covered in the case of a fire and explosions at your home
- Natural disasters? We've got you covered from lightning to hailstorms and even earthquake damage
- Covers impact by vehicles, falling trees or parts of trees, animals, aircraft, or articles dropped from above
Car Insurance
- Motor vehicle benefits include towing cost cover, replacement cost cover for keys, and more
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With allsure, you can choose between two cover options to keep your home safe:
Full Cover
Protects the contents of your private home and outbuildings against the unexpected, with legal liability cover automatically included. It insures against:
- Fire
- Explosions
- Acts of nature
- Theft
- Subsidence or landslip
Limited Cover
Choose Limited Cover if you feel your home is safe from burglars and enjoy the same benefits as Full Cover. However, loss or damage from theft or attempted theft are excluded
You can cover your house, car and personal liability under one comprehensive policy.
Car and motorcycle insurance - choose between comprehensive; balance of third party, fire and theft; or third party only (insures you against any loss, damage or liability claims made by a third party)
Home and contents insurance - choose between full cover which is comprehensive insurance that protect the contents of your private home and any outbuildings or limited cover where you get to enjoy the same benefits as full cover, with the exclusion of ‘other' loss or damage.
Cover your valuables - whether you need cellphone insurance, laptop insurance, jewellery insurance or more, you’ll find it all with allsure. All Risks cover is designed for your clothing and personal belongings.
Boat and watercraft cover - Allsure watercraft insurance cover is designed to provide protection against loss, damage and liability.
We have answered a few questions you might have with regards to your policy.
For a fast and easy claims settlement process, Email your completed form to claims@oldmutual.co.bw
Fax your completed claim for to +267 390 3400.
Call us directly on +267 399 5700 and a consultant will guide you through the process.
Submit a claim by contacting your broker directly.
The replacement value of goods is what it would cost you to replace all your belongings with similar brand-new ones at the time of a claim. When you submit a claim, your insurer will calculate the replacement value you should have insured yourself for. If you have insured your belongings for less than this amount, your insurer will only pay a part of your claim and you will be responsible for the difference.
To have an insurable interest in an item, you would stand to suffer direct, measurable, financial loss if the item were lost, damaged or destroyed. For example, if your TV set to the value of P2 000 has been stolen from your home, as the owner of the TV you would have suffered a measurable loss of P2 000 due to your having a financial (insurable) interest in the TV set.
Under-insurance means you don't have adequate insurance to cover the full replacement value of the assets you have insured. For example, let’s say you’ve insured your household contents for P80 000 and your house is broken into. Goods with a replacement value of P30 000 are stolen, which you claim under your home insurance policy with Old Mutual Short-term Botswana. Following an assessment, it is found that the current replacement value of your total household goods before the theft was actually P100 000 and not P80 000 as insured. This means that you were under-insured by 20% and only 80% of your claim will be paid, i.e. P24 000 and not the P30 000 claimed.
An excess (also known as a deductible or first amount payable) is essentially an underwriting fee charged to minimise the number of small administratively expensive claims, or to reduce a loss ratio, and to impose a duty of care on the insured. Excesses are usually charged either as a percentage of a claim, or as a fixed amount. For example, if you lose your watch, valued at P800, and the excess applicable is P200, the claim will be settled in the amount of P600. However, if a burst pipe results in damage of P375 to a ceiling and the excess applicable is P500, the cost would be for your own account due to it being less than the P500 excess.
Changes of information could affect your cover and your premium, and as such need to be communicated to us immediately. These changes could include moving to a new residence, changing the regular driver of your insured motor vehicle, convictions for offences relating to dishonesty (against you or someone covered under your policy) and allowing tenants to rent your property.