Cover for actual breakage of securely fixed glass caused by accident, with the exception of fire, explosion, heat, flood and lightning strike.


This provides cover for loss of money while in transit between premises or bank, due to theft or accident; theft of money held in locked safe/or strong room in the insured premises; or, armed robbery. Cover also includes damage to safe or strong room following theft or attempted theft. Money includes cash, bank currency denominations, postal orders, credit card vouchers and open cheques. It is issued on a declaration basis.


The policy provides cover for loss of money and/or goods of the insured/employer as a result of fraud or dishonesty committed by any one of those employed in connection with his/her occupation and duties.

Personal accident

The policy provides for payment of benefits agreed in the event of an insured person sustaining bodily injury caused by violent accidental, external and visible means, which results in death or disablement.


The policy provides personal accident cover to the insured while travelling by air, as well as loss or damage to accompanied baggage, excluding wearing apparel and personal effects of the insured. It does not cover valuables, jewellery, camera, household goods, furniture, money, securities, bonds, stamps, travel tickets or coupons.