Personal Insurance
Because life is unpredictable, we believe your insurance cover shouldn’t be. Thanks to our multi-generational wealth of knowledge, we will broker the ideal fit of personal insurance cover for your car, buildings and contents.
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At IJ Duncan Insurance, it’s a priority that our clients feel confident that they can rely on our expertise to deliver effective insurance solutions within their budget. And, when it comes to putting in a claim, that we are readily available to assist in a swift resolution. We understand that every client has unique requirements when it comes to personal insurance, and we make it our goal to come alongside you and understand the individual needs of you and your loved ones.
What do we offer?
Our client focus and service offering when it comes to personal insurance is aimed at individuals who value the expertise and advisory skills provided by a specialist insurance broker.
The principal covers brokered by IJ Duncan Insurance include insurance for assets (such as your home and household contents), along with liability, all risks, and motor insurance cover. We also offer additional covers such as personal accident, pleasure-craft, and travel insurance.
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Over the years, we have added various extensions to our personal lines product to keep our offering at the forefront of the market.
Some of our policy extensions are shown below and automatically include:
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- Removal of fallen trees
- Damage to gardens
- Geyser repair & maintenance
- Tracing of leaks and repairs
- Power surges
- Special alterations to home or vehicle
- Green building materials
- Damage by wild baboons or monkeys
- Cover whilst transporting groceries
- Replacement of child car seat following motor accidents
- Free car hire cover (30 days) following theft or total loss
- 24 Road side assistance
- Specialist cover for drones
- Holiday letting
Additional optional extensions are also available and should be discussed with your broker.
Types of short term cover
Home
Covers the building structure of a home against accidental loss or damage caused by fire, theft or natural disasters like floods.
All Risks
This means that the policy will cover any loss or damage to the property and/or materials other than certain specific exclusions.
Contents
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings.
Travel
Reimburses the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad.
Vehicle
Motor insurance is an insurance policy that covers the financial losses – resulting from an accident or other damages – sustained by the insured vehicle.
Pleasure craft
Pleasure Craft Insurance is designed to cover marine vessels used for private purposes. These include yachts, cruisers, jet skis and sail craft.
What assistance products can be included?
Should you wish to include any of the following on your insurance policy, our expert insurance brokers will be able to assist with adding:
- 24-hour roadside emergency assistance
- Mechanical breakdown
- Flat tyres and batteries
- Any other roadside related emergency
These services are available to customers within South Africa, as well as Namibia, Botswana, Swaziland, Lesotho and Mozambique.
What happens if I am in an accident?
- Vehicle towing
- Transport back home or to your place of work
- Immediate access to telephonic legal advice
- Rental/courtesy vehicle
- Medical evacuation
- Assistance with claims against the Road Accident Fund
Want to know more?
Please email info@duncaninsurance.co.za for a quotation or to arrange a meeting, or call us on 031 305 1410. Alternatively click below to have one of our expert insurance brokers call you.