The sum insured is the replacement value of your item (the amount you would have to pay to replace your item today) specified by you and confirmed in your Policy Schedule. It is your responsibility to update this value.

Maximum replacement values: We offer cover for the following items up to the corresponding maximum value (including specified modifications and accessories). Please note: You are only covered up to the sum insured of your item.

Home: R100,000 total across all your Home items switched on in the app at one time.

- Electronics: R50,000 per item

- Appliances: R50,000 per item

Tech: R100,000 total across all your Tech items switched on in the app at one time.

- R50,000 per item

Gear: R300,000 total across all your Gear items switched on in the app at one time.

- Bicycles: R250,000 per item

- Camping: R25,000 per item

- Eyewear: R25,000 per item

- Musical instruments: R150,000 per item

- Photography: R150,000 per item

- Sports: R150,000 per item

Minimum replacement value: Your item must have a replacement value of at least R1,000.

Your vehicle is insured for its retail value.

Retail value means the retail price from the TransUnion Auto Dealer’s Guide (or any similar publication approved by us). The retail price is an estimate of the amount most dealers would be prepared to sell your vehicle for based on make, model and age, and assumes average mileage and good condition. This price includes any factory fitted accessories and modifications listed in the manufacturer’s standard specification.

The maximum value per vehicle is R1,000,000 (including any extra modifications and accessories you specify in the app).