So you’ve locked your car and walked away, assured that your car is covered by insurance should it get stolen. But do you know if the same cover applies to the contents inside your car? All Risks insurance protects you against loss, damage or theft of personal possessions left in your car, or in a trailer or roof box attached to your car.
It is easy to underestimate the value of the contents you often carry inside your car. Think about mobile phones, removable GPS’s, CD and DVD players, handbags, baby seats and collections of CDs, the value for which can quickly add up.
When you think about what you tend to keep in your car or on occasion carry around with you, All Risks insurance makes a lot of sense. As well as electronic items, this cover provides protection for a wide array of personal possessions including clothing such as expensive walking boots or perhaps a leather jacket.
If you use a non-fitted GPS, audio or DVD equipment in your car, or often take your laptop out with you, then you will find this cover particularly useful.
By including All Risks insurance in your personalised insurance cover, you can be sure that your car, as well as the contents inside it, are covered when you travel.
All Risks insurance provides peace-of-mind for loss of, or damage to, clothing and other personal possessions, plus removable equipment in the event of, amongst other things, a break-in to your car.
Fortunately, you can avoid the disruption and stress caused by having to repair broken windows or replace personal possessions which may hold sentimental value to you. The following simple precautions could help to stop opportunistic thieves targeting your car:
- Always leave your vehicle in secure and well-lit locations.
- Never leave removable electronics where they are visible. Lock them out of sight.
- Whenever practical, remove valuables and personal possessions from your car when you get out and take them with you.
- If you have a GPS device, regularly remove the suction marks from your windscreen as these can be a tell-tale sign that there is a GPS in the vehicle.
- Check that all windows are closed when leaving the car, especially if you have been carrying passengers.
- Check that all doors are properly locked especially if you use a remote key to lock the car.
- Ensure malfunctioning window or door locks are repaired immediately.
- Lock your roof box; do not overfill it so that it cannot close properly.
- Secure your trailer’s contents using good quality covers, straps, ropes and padlocks.
Indwe Risk Services offer tailor-made insurance solutions suited to your needs. Contact us today on 0860 13 13 14 or visit www.indwerisk.co.za for advice or a competitive quotation.