As you begin the new year, it’s important to take time out to re-evaluate your life and to take stock of any circumstances that have changed. You want to ensure that you have the correct insurance policies in place so that you are properly covered for any eventuality. Speak to your Indwe advisor about these three essential policies for 2017.

ICONNECT

We live in a fast-paced and highly connected world, where more people own a cell phone than a toothbrush. With such a reliance on mobile devices, your world can quickly grind to a halt if your smartphone is stolen, your laptop is damaged or you lose your tablet.

Mobile devices are important and they can be expensive, but they are indispensable in a professional environment, where often the loss of productivity or intellectual property outweighs the replacement cost of a lost device.

To make sure that you are always connected, Indwe has designed iConnect, a convenient service that puts all your mobile devices under one policy and covers you against accidental loss and damage.

ALL RISK INSURANCE

Did you get an Apple Watch or a Fitbit for Christmas? How about a new pair of sunglasses or expensive makeup? All these items that you carry or wear on a daily basis need to be covered, in case anything happens to you after you’ve left your home. To protect these valuable items you need all risk insurance, also known as portable possessions insurance.

In addition, this cover can be expanded based on your specific needs. For example, it can include objects in your car that aren’t factory fitted, such as your GPS, tracking system, tools and spares. It can also cover a range of other items including keys, remote controls and groceries.

BUILDINGS INSURANCE

With floods, hailstorms and heat waves, the effects of global warming were felt by South Africans in 2016. As we head into another unpredictable year, one type of insurance that is essential for home owners is buildings insurance.

You should already be covered for the contents inside your house, but what about the actual structure? Are you covered against loss or damage due to lightning, fire, burst water pipes, a landslide, floods or damage caused by a tree falling on your house during a storm?

Buildings insurance covers permanent structures on your property, including your home, garage, outbuildings and walls, but it can also protect you from things like loss of rental and costs of damage in your garden.

Indwe is one of South Africa’s largest and most trusted brokers. We make a personal commitment to all our customers so, no matter what your circumstance, we design cover for your individual needs. For real advice that you can count on, speak to one of our experienced advisors today on 0860 13 13 14.