Dial Direct Portable Possessions Insurance

Most of us carry valuable items around with every day as we go about the business of the day. It is important to know that these items will be compensated for should they be stolen or damaged whether on our person or in our cars. Dial Direct offers insurance relating to just such cases which is referred to as insurance of your portable possessions.

Items which are included in this type of insurance cover are all the things that you or family members living in the same house as you either wear or carry with you. This will include jewels, clothing and cellular phones. If the item has a value which is greater than R1750 it must be specified in the policy document or it will not be covered.

Other items covered include contact lenses, bikes, cell phones, borehole and swimming pool equipment and prescription glasses but only if they are stated on your schedule. Unspecified items will not be covered by the policy.

It is important to take note that there some exclusions when it comes to insuring personal items. For example if an item is stolen from your motor vehicle there must be signs of a break in for you to be able to claim for that item. Items used solely for business, trade or professional purposes are also excluded. Washing that is stolen while in the open and items damaged through your own actions are also excluded. It is important to check your policy document thoroughly in order to clarify for yourself what you are covered for and what is not covered.

It is also important to remember that an excess applies should you need to claim. This refers to amount of money that you need to pay out of your own pocket in the event of a claim.

Portable possessions cover is a valuable addition to your insurance policy and it should not be overlooked.