Personal Insurable Risks
Insurable risks of a personal nature include, but are not limited to:
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Death |
Risk of death by natural causes, accident or foul play |
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Trauma |
Risk of a terminal or potentially fatal illness or condition |
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Illness |
Risk of loss of income through extended illness |
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Disability |
Risk of loss of income through partial or total, temporary or permanent disability |
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Personal Injury |
Risk of loss of income and incurring medical and rehabilitation expenses through injury to you |
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Third Party |
Risk of damage to other people’s property caused by your negligence |
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House |
Risk of loss or damage to your house and associated structures from fire, storm and tempest, flood, vandalism, etc |
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House Contents |
Risk of loss or damage to your house contents from fire, theft, loss, accidental damage or vandalism |
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Property |
Risk of loss or damage to your personal property other than your house and its contents from fire, storm and tempest, flood, vandalism, etc |
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Public Risk |
Risk of death or injury to other people or damage to other people’s property caused by your negligence |
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Travel |
Risk of expenses incurred due to cancellation of travel arrangements by travel providers, official action or illness or disability |
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Motor Vehicle |
Risk of death or injury to other people or damage to other people’s property caused by your motor vehicle, and risk of damage to your motor vehicle (possibly not including death or injury of driver) |
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Marine |
Risk of death or injury to other people or damage to other people’s property caused by your motor or sailing boat, and risk of damage to your boat (possibly not including death or injury of driver) |
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Removal |
Risk of loss or damage to your furniture, clothing, appliances and other personal effects while your possessions are in transit from one place (eg your house) to another |
What to do about personal insurable risks:To find out which personal insurable risks are applicable to you and whether you are adequately covered against those risks, call us on 1800 661 890 or contact us (see menu above) soon to make a time to speak to a Super Smart Financial adviser. |
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