iWYZE Household Contents and Homeowner’s policies include various forms of liability cover to protect you against claims made by others against you. You may also choose to take out Legal Cost cover in case you need to bring a civil action against someone or defend yourself against a civil action or criminal charges in future.
There are various types of cover available:
Property Owner’s Liability Cover
iWYZE Homeowners insurance automatically includes Property Owner’s Liability cover. This cover protects you in the event that a third party lays a claim against you for accidental death, injury or illness that occurs on your property. It also covers you in the event of accidental loss or damage to a third party’s property.
For example: if your stairs collapse and a guest falls and breaks a leg, you may be responsible for medical costs and expenses incurred by the guest. This cover will provide compensation if you are found to be legally liable for these costs.
Householder’s Liability Cover
iWYZE Household contents insurance includes Householder’s Liability cover. This cover protects you in the event that a third party lays a claim against you for accidental death, injury or illness that occurs on your property. It also covers you in the event of accidental loss or damage to a third party’s property.
For example: if your family dog injures the postman in the garden or if a guest falls and breaks a limb, you may be responsible for the costs and expenses incurred by the postman or guest. This cover will provide compensation if you are found to be legally liable for these costs.
Tenant’s Liability Cover
This cover provides you with indemnification if you become legally liable (as a tenant, not an owner) to pay for:
- Damage to the property and outbuildings (including fixtures and fittings).
- Accidental damage to fixed sanitary-ware or fixed glass.
- Accidental damage to water, gas, sewerage, electricity or telephone connections.
Extended Personal Liability Cover
You may choose to take out Extended Personal Liability cover (for a small additional premium) which will provide additional cover of up to R5-million in the event that a claim is made against you.
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iWYZE is underwritten by Mutual & Federal Insurance Company Limited, a member of the Old Mutual group. Mutual & Federal and Old Mutual are Licensed Financial Services Providers.