All Risks All risks cover flips the logic: covered unless excluded, not the other way round.

What is all risks?

Cover for any cause not specifically excluded. As a King Price client you will see all risks referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How all risks works

all risks is governed by the terms set out in the King Price Policy Document and the individual schedule issued for your policy. Your schedule always overrides the master wording where they differ, so the values, limits and conditions that apply to you appear there in plain English.

King Price reviews the application of all risks at every renewal, and any change to your risk profile, address, vehicle, security or claims history is taken into account. The Treating clients Fairly framework requires this detail to be communicated clearly before any change takes effect.

Example

Nomvula stores a Jurgens caravan at her Magaliesburg property. Lost your ring in the sea → all risks pays. In this scenario, all risks determines the practical outcome for the client. The exact numbers depend on the cover option, the excess on the schedule and the limits set out in the policy document.

Why all risks matters

Understanding all risks helps King Price clients make better decisions about cover. It affects the monthly premium, the payout at claim stage, and the steps required before and after an incident. Getting it right means no surprises at claim time.

King Price aims to make insurance great again with plain-English wording, transparent premiums and a direct relationship with clients. Clear terminology like all risks is part of that promise.