PERSONAL BELONGINGS
All-Risks Cover for Your Phone, Laptop & Valuables.
Standard home insurance stops at your front door. Get All-Risks cover from licensed SA insurers — so your phone, laptop and jewellery are protected wherever you take them.
Covered at home, at work, on holiday — worldwide
Accidental damage, theft and loss all included
Quotes from our partner network without the paperwork
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WHY IT MATTERS?
Home contents won’t protect you.
The moment your phone, laptop or ring leaves the house, your standard home contents policy stops working. All-Risks goes wherever you do — at the gym, on holiday, in a coffee shop.
Compare & Save
Competitive quotes from multiple trusted insurers in minutes. Pay the right price, not more.
Worldwide Cover
Your specified items are covered 24/7 at home, at work, or on holiday — including overseas travel.
New-for-Old Replacement
When something is lost or stolen, most partners replace it with the equivalent new model — not a depreciated payout.
Accidental Damage
Cracked screens, dropped laptops, spilt coffee — the everyday “oops” moments are specifically covered.
Theft & Loss
Covered for theft (with or without forced entry) and accidental loss — even if you simply leave your phone in an Uber.
Trust Partners
We only work with insurers who genuinely understand the value of what you carry every day.
COVER THAT GOES WHERE YOU GO
Your Stuff Goes Where You Go.
We connect you to insurers who understand modern life. Protect your tech, your jewellery, and your gear — at home, at work, or anywhere in between.
All-Risks cover — theft, loss AND accidental damage
Worldwide protection on specified items
Cracked screens, dropped laptops, spilt coffee — included
New-for-old replacement on phones, laptops & gadgets
Standalone policies — no full home contents required
TRUSTED BUSINESS PARTNER NETWORK
Security You Can Count On—Powered by Industry Experts.
We work only with reliable insurance providers who understand the unique needs of South Africans who carry their tech and valuables every day.
- Multiple competing quotes — you choose the best
- No hidden fees or confusing fine print
- Fast approvals — get covered quickly
- Dedicated personal-cover specialists on hand
Phone . Laptop . Jewellery. Watches
HOW IT WORKS?
What’s may be included in your quotes?
Kindly note that this will depend on your insurance provider and your personal details.
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Protect the things that keep you going!
Cellphone Cover
Theft, loss, accidental damage and cracked screens — for the latest iPhone and Samsung models.
Laptop & Tablet
For digital nomads and coffee-shop workers. Covered at home, at the office, or on the road.
Jewellery & Watches
Specified cover for engagement rings, luxury watches and heirloom pieces — at full replacement value.
Sporting Gear
High-end bicycles, golf clubs, surfboards and gym tech — protected on the road and at the venue.
REAL USE CASES
South Africans love it.
Insurers trust it.
South Africans love insure-now
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Mbali S. (Suzuki S-Presso):
“The best thing about using a comparison platform is that they know exactly what Uber and Bolt need. I got my quotes, picked the best one, and had my insurance certificate in my inbox… approved the same day.”
Thabo M. (Suzuki Ertiga)
“I had a small accident with a passenger in the car. My personal insurance rejected the claim because I was ‘working.’ … I used Insure-Now to find a proper commercial policy. Now I have the right papers for Uber and I know my claims will actually get paid.”
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Brandon L.
QUESTIONS
Frequently Asked
Can’t find what you’re looking for? Message us directly on FB messenger.
Do I need a home policy to insure my phone or laptop?
Not always! While many people bundle it for the discount, our partners offer standalone All-Risks options for high-value items. So if you rent, house-share, or just want to protect a single item without the “fluff,” you can.
How much does Personal Belongings cover usually cost?
It depends on the value of the item, your area, and your claim history. As a rough guide, a R20,000 laptop typically costs between R80 and R200 per month. Comparing 3+ quotes ensures you don’t pay a “lazy tax” with a single provider.
Am I covered if I lose my ring or watch overseas?
Yes — as long as the item is “Specified” on your policy, most of our partners provide 24/7 worldwide protection. Always check the specific policy wording for any geographic exclusions.
What is "Accidental Damage" cover?
Exactly what it sounds like. If you drop your laptop or spill coffee on your tablet, you may be covered. Standard home insurance often only covers theft or fire — All-Risks goes further to include those everyday “oops” moments.
How quickly will I be covered after I accept a quote?
Speed is our priority. Once you accept a quote and the first premium is sorted with your chosen provider, most partners can issue your cover certificate within minutes — meaning your items can be protected the same day.
Compare personal belongings cover today
One form. Multiple quotes from licensed SA insurers. You choose.