PERSONAL INSURANCE
Protection against life's uncertainties is very important. Personal insurance will ensure that you and your family can continue to enjoy the quality of life that you want.
House Contents Insurance:
Provides cover for all your personal possessions inside your home belonging to you and the members of your household who live with you – this includes household appliances, furniture, clothing, curtains, loose carpets.
It’s all valuable and costs money to replace when damaged or lost due to unexpected events like theft, fire, water damage etc. We can also cover items in your outbuildings, whether separate from your home or not.
Additional options such as Home Assistance and Accidental Damage can also be added to your contents insurance.
Building:
Provides cover for the permanent structures on your property as well as all permanent fixtures, fittings and improvements to your property. Buildings Insurance will cover your borehole and swimming pool pumps, gate motor as well as underground pipes and cables. Comprehensive insurance also includes cover against loss or damage caused by malicious damage and loss of water.
Portable Possessions – All Risk:
Comprehensive cover against loss or damage to all your valuable personal items such as cellular devices, laptops, jewellery, bicycles, wheelchairs and even stamp or coin collections. All Risks cover also covers loss or damage to items you normally wear or carry with you outside your home. This would include items such as your clothing and personal belongings.
Motor Insurance:
Get cover for you, your car, your passengers and other drivers with comprehensive insurance.
Motor insurance primarily covers losses due to an accident or theft. In addition to accident or theft, comprehensive motor insurance covers losses due to fire and explosion, natural disasters
like hail and floods and damage to the vehicle’s glass as well as emergency repairs.
Additional options such as roadside assistance, car hire and cover for non-standard sound systems and car accessories can also be added to your motor insurance policy.
We will help you get precisely the right policy for your specific needs. For example, people who drive relatively short distances might benefit by choosing a Pay-As-You-Drive car insurance policy.
Those who drive more extensively, or use their vehicles in the course of their work, will get more out of a motor insurance policy with a different benefits structure.
Motorcycle & Caravan Insurance:
At Austin Risk Solutions we understand bikes, riding gear, motorcycle trailers, accessories and their values. It is important to specify riding gear and accessories separately.
More and More people are discovering the freedom and lifestyle of caravanning and camping. We offer a tailor made product providing comprehensive cover for your caravan, whether at home,
on the road or at the campsite and include contents cover for all your essential camping equipment.
Watercraft:
Insure your watercraft against loss or damage, including cover for sinking or collision and the medical expenses of passengers. We offer comprehensive insurance for motorboats, ski boats, jet-ski's or wet bikes including the standard fittings and accessories normally sold with watercraft.