Dial Direct Insurance

Portable Possessions Insurance

Under this section you may claim for items you normally carry with you which are lost or damaged.

What you pay when you claim - the excess(es)

Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.

We will compensate you for:

1. Loss of or damage to your jewellery, clothing and the personal items which you and your family members who live with you normally wear or carry with you. If an item is worth more than R1 750, it must be specified before we will compensate you for it.
2. Something that does not fit the description of the items above, but only if we agreed to insure it and it is specified on the schedule.
3. Bicycles, prescription glasses, contact lenses, cellular phones, borehole and swimming pool equipment, but only if they are specified on the schedule.
   

We do not compensate you for:

1. Loss, damage or deterioration because of moth or vermin, cleaning, ironing, repairing or restoring.
2. Loss of or damage to a watch caused by overwinding, leaking batteries, or from immersion in water.
3. Something that you use solely for business, trade or professional purposes.
4. More than R1 000 in total per incident if your insured items are stolen from the cabin of a vehicle. There will be no cover if we cannot see the damage caused by the break-in.
5. More than R8 500 in total per incident if your insured items are stolen from the locked boot of a vehicle. There will be no cover if we cannot see the damage caused by the break-in.
6. Your washing stolen whilst in the open.
7. Money, cheques and other negotiable instruments.