Our Personal Insurance bouquet comprises the following:
1. CAR INSURANCE
Aside from your house, your automobile is frequently your most valuable possession. Auto insurance protects you from potentially crushing financial losses as well as the inconvenience of being stranded without a vehicle.
WHAT LEVEL OF COVER DO I NEED?
- FULLY COMPREHENSIVE AUTO INSURANCE
Comprehensive car insurance is the greatest degree of protection available for damage, repairs, medical expenditures, fire damage, and theft are all covered. In addition to causing harm to another person’s automobile or property.
- THIRD PARTY AUTO INSURANCE
Third party car insurance provides coverage for other people, their vehicles, and their belongings, as well as coverage for your own vehicle in the event it is stolen or destroyed by fire.
2. BURGLARY AND HOUSE BREAKING
Burglary and Housebreaking Insurance guarantees that you are paid for any theft or damage to your belongings in the event of a forced or violent entrance into your house.
3. HOUSEHOLDER INSURANCE
This coverage can be purchased by building owners or renters. This policy is designed to protect both the structure and contents of private dwellings from the risks of Fire & Special Perils, All Risks, Personal Liability against claims from visitors and third parties arising from the Insured’s negligence or omission, Burglary & Housebreaking or attempted threat, Public Liability & Personal Accident.
For Home Owner: This policy covers the physical structure of your property, the bricks and mortar – as well as any permanent fittings or fixtures.
For Tenant: This insurance protects the possession in your home, (furniture’s, and kitchen utensils, electricity)
4. TRAVEL INSURANCE
Standout Insurance Brokers offers and facilitates financial protection against a variety of travel related emergencies, and it’s become more crucial than ever during the coronavirus outbreak. It may provide vital confidence that your vacation and wallet are protected against the unexpected, allowing you to focus on enjoying your vacation.
You may acquire coverage for cancelled or delayed flights or accommodations, lost or stolen belongings, and medical treatment, which can be quite expensive overseas with a travel policy.
5. FIRE AND SPECIAL PERILS INSURANCE
The normal fire insurance coverage covers the risks of loss, destruction or damage of properties as a consequence of fire, lightning and explosion. This scope of insurance can, however, be expanded to insure associated risks such as flood, storm, tempest, tornado, earthquake, impact, aircraft damage, bursting and overflowing of water tanks, bush fire, riot and strike and malicious damage.
Properties insurable against the risk of fire and its allied perils can be broadly classified as follows:
- Buildings including boundaries, walls and outbuildings;
- Plant & machinery, generators and spare parts;
- Office content and equipment, furniture, fixtures & fittings;
- Stock of raw materials, work-in-progress, packaging materials and finished goods;
- Cost of debris removal following a fire incident;
- Loss of rent.
- Tenant’s improvement to building.