So, you think you’ve got a good handle on your insurance?
Let’s put that confidence to the test with a quick-fire quiz that separates the claim champs from the insurance amateurs. For each scenario below, decide whether you think it would typically be covered under the king’s home contents or building insurance policy… Or if it would leave you footing the bill.
No pressure, but your bragging rights depend on it.
Scenario 1: The flying trampoline
A huge gust of wind picks up your neighbour’s trampoline and hurls it through your sliding door.
Claim or shame?
Answer: Claim
Yes, this kind of accidental damage is usually covered under building insurance so you’re well within your rights to put in a claim.
Scenario 2: The milk massacre
Oh darn, there’s an unplanned power outage. You’ve checked, and you’re not crazy, there’s no loadshedding. It’s just a random outage and a royal pain in the backside. After a few hours, the power isn’t back and to ease your pain and suffering with a little snack, you open your fridge to find your groceries swimming in sour milk and melted ice cream.
Claim or shame?
Answer: Claim
The king’s home contents insurance includes food spoilage caused by loadshedding, so you can claim for those ruined groceries.
Scenario 3: The DIY disaster
Your cousin decides to ‘help’ mount your new smart TV and ends up cracking it in half. Literally, it’s going to take family intervention to put that relationship back together… But in the meantime, what about your TV?
Claim or shame?
Answer: Claim
This would fall under the accidental damage section of your royal home contents policy, and you should let us know about the incident as soon as possible.
Scenario 4: The sneaky surge
You flip on the kettle after a long outage, and next thing you know, your fridge, TV, and Wi-Fi router are all fried.
Claim or shame?
Answer: Claim
Damage from power surges is a common claim. We don’t cover any loss, damage, liability or injury directly or indirectly arising from a grid interruption and restoration of power. But we’re there for you if there’s loss and damage caused by power surges due to loadshedding. Just talk to us about adding cover for power surges and dips for a low additional fee, so that you’re covered.
Scenario 5: The cracked ceiling
You’ve had a slow leak in your roof for months. You meant to get around to fixing it… And now part of your ceiling has collapsed.
Claim or shame?
Answer: Shame
This is more about maintenance than misfortune. Insurance usually covers sudden, unexpected damage. Not wear and tear or neglected repairs.
Scenario 6: The disappearing engagement ring
You left your R60,000 engagement ring in your handbag at the gym. It’s gone.
Claim or shame?
Answer: Shame (unless the ring was specified)
High-value portable items must usually be individually listed under your policy. If it wasn’t, your claim might be declined, shame.
So… How did you do?
- 6–7 correct: You’re an insurance genius.
- 4–5 correct: Not bad at all, but still room to level up.
- 0–3 correct: Yikes. Might be time to check your policy and brush up on the basics.
Remember, the best insurance policy is the 1 you understand. Check what’s included in your cover, chat to your insurer if anything’s unclear, and always keep your details up to date.
Click here for a commitment-free insurance quote or you can WhatsApp us on 0860 50 50 50