Aluma Insurance

There are different cover options available to suit your specific needs:

Comprehensive cover: Covers your vehicle for damages, theft, fire, and hijacking. Third party damages caused by your vehicle will also covered. All financed vehicles must be insured on full comprehensive cover.

Additional coverage which can be taken includes car hire, credit shortfall, and excess waiver.

Vehicle can also be covered for business or private use, depending on your specific needs.

Third party fire and theft: As the name implies, this will only cover your vehicle for damages against fire, theft, as well as damage to third party property. Your own damage will be excluded.

Third party only: This gives you minimum coverage as there is no cover for your own vehicle. You will only have cover for third party damages caused by your vehicle.

With our buildings insurance will cover you in the event of theft, fire, lightni

Building insurance will also cover:

• The cost of employing a security guard to protect the building.
• Replacing lost keys and remote-control units, or damage to your locks.
• The loss of metered water.
• Leak detection and repairs.
• Accidental damage to underground public services.
• Cover for costs charged by an authorised body for extinguishing a fire, and to prevent or reduce loss or damage to the building.
• • Cover for any rental income you lose if your building is uninhabitable after a claim event, or the cost of having to find alternative accommodation.

Home contents insurance covers everything in your house against theft, fire, malicious or weather damages.

AAdditional cover can be taken out which includes accidental damage and power surge cover.

If you are unsure as to what the value of your insurance cover should be, we can provide you with an inventory form which will enable you to establish the correct sum insured.

The personal items you carry with you daily; for example, your handbag, clothing, and sporting equipment will be covered under all risks. As the name implies, you will be covered for all unfortunate events. Cell phones, jewellery, laptops, and bicycles must be specified. Specifying an item means that each item will be listed with its model or serial number plus its value.

Personal Liability Insurance is to cover you against legal liability for accidental death, bodily injury, illness of another person, or for accidental loss or damage to property belonging to another person.

Personal Liability Insurance provides for the legal fees and damages claimed against you in your personal capacity because of something that happened on your private property.

The Personal Liability portion of your policy will also cover the cost of defending a lawsuit in the event of legal action being taken against you, as well as any judgments resulting from the lawsuit (up to your policy limits). Its main purpose is to protect your assets should an unexpected event for which you are considered liable occur.

Typical exclusions under a Personal Liability Policy relate to liability for motor vehicles that require registration and licensing to operate on roads. Therefore, cars require motor insurance cover and are not insured under home contents policies.

Value added services:

We can also insure the following:

• Motorcycle/s.
• Pleasure craft/s.
• Personal accident.
• Home assist.
• Roadside assist.
• Cover for artwork.
• Travel insurance.
• Aircraft/s.
• Collectable Car/s

By partnering with South Africa’s best and biggest Insurance companies, Aluma can ensure that you find the perfect fit and package for you and your family.

Life insurance is an agreement between you and an insurance company that the company will pay your beneficiaries a tax-free benefit in the event of your death. It can serve as financial protection for your loved ones who would stand to lose the support of your income in the event of your death. Since it pays directly to your nominated beneficiaries, it doesn’t form part of your estate.

Create certainty by knowing that if anything should happen to you, your family’s future well-being is secured and they can continue to live the life you’ve always wanted for them, even you’re not around anymore. That’s life, covered.

By partnering with South Africa’s best and biggest insurance companies, Aluma can ensure that you find the perfect fit and package for you and your family.

Lump sum disability cover (also called disability insurance) pays out a fixed cover amount if you are permanently unable to work due to an illness or injury. This is intended to replace a portion or all of your future earnings that you stand to lose as a result of being unable to perform your occupational duties.

By partnering with South Africa’s best and biggest insurance companies, Aluma can ensure that you find the perfect fit and package for you and your family.

Being diagnosed with a critical illness can drastically affect everything from everyday activities to long-term lifestyle changes. Critical Illness Cover assists you with a lump sum pay-out in order to cover unforeseen expenses or to support you with costs of your treatment or recovery.

Enable you and your family the grace and time to deal with what is happening when it is happening.