All Risk Insurance South Africa
Flexible, Everyday All Risk Insurance for the Things You Carry
Protect your most valuable personal items — at home and on the go. All risk insurance covers portable belongings like phones, laptops, jewellery, and more against loss, theft, or accidental damage.
- Cover for items inside and outside your home
- Protection against loss, theft, and accidental damage
- Ideal for high-value, everyday essentials
Trusted South African insurance support
Cover tailored to your needs
Simple claims guidance from start to finish
Understand your cover
What is All Risk Insurance, and Why Does It Matter?
All risk insurance (also called portable possessions cover) protects specific high-value items you take with you daily.
Unlike standard home contents insurance, which mainly covers items inside your home, all risk cover follows your belongings wherever you go.
Whether it’s your smartphone slipping out your pocket, a laptop stolen from your car, or jewellery lost while travelling — all risk insurance ensures you’re financially protected.
Without it, many of your most valuable everyday items may not be covered when you need it most.
Choose the Right All Risk Cover for Your Needs
Whether you want full protection or basic all-risk cover, we’ll help you find the right option.
🟦Specified Items Cover
List individual high-value items (like jewellery, laptops, cameras) with their insured value for precise protection.
Best for: Expensive or unique items
👉 Most complete protection with peace of mind
🟧Unspecified Items Cover
Cover a group of personal belongings up to a set limit per item without listing each one.
Best for: Clothing, handbags, smaller electronics
⬜Combined Cover
A mix of specified and unspecified cover for complete flexibility and peace of mind.
Best for: Comprehensive everyday protection
How Much Does All Risk Insurance Cost in South Africa?
Your premium depends on several key factors:
- Value of the items you insure
- Type of items (e.g. jewellery vs electronics)
- Your location and risk profile
- Security measures and usage habits
Two people insuring similar items may pay different premiums based on their risk profile and claims history.
At Hallmark Risk, we look at your real situation to help you find fair, suitable cover.
Save wisely
How to Lower Your All Risk Insurance Premium
Smart choices can help reduce your monthly premium:
- Insure only items that truly need cover
- Keep valuations updated and accurate
- Increase your excess where appropriate
- Use protective measures (e.g. tracking apps, secure storage)
- Avoid unnecessary claims to maintain a good record
Insurance Support That Feels Personal
At Hallmark Risk, we don’t believe in one-size-fits-all insurance. We tailor your all risk cover to match your lifestyle and priorities.
💬 Transparent pricing
We explain why you pay what you pay — no hidden surprises.
⚙️ Flexible cover
Only pay for what you actually need.
🔧 Fast, fair claims
When something goes wrong, we respond quickly and clearly.
♥ Personal service
You’re not just a policy number.
What Makes Hallmark Risk Different?
Other insurers often:
- Offer rigid, one-size-fits-all policies
- Limit cover for items outside the home
- Complicate claims processes
- Provide little personalised support
Hallmark Risk helps you:
- Understand exactly what’s covered
- Choose cover that fits your lifestyle
- Get fast, hassle-free claims support
- Enjoy personalised advice and service
All Risk Insurance FAQs
Simple answers to common all risk insurance cover questions.
Is all risk insurance necessary in South Africa?
If you regularly carry valuable items like phones, laptops, or jewellery, all risk insurance is highly recommended as these items are often not fully covered under standard home insurance.
What items can I insure?
You can insure items like:
- Smartphones and tablets
- Laptops and cameras
- Jewellery and watches
- Bicycles and sports equipment
Do I need valuations for my items?
Yes, for specified items (especially jewellery or high-value goods), insurers usually require proof of value.
Does all risk insurance cover accidental loss?
Yes — most policies cover accidental loss, theft, and damage, even outside your home.
Not Sure What Cover You Need?
Choosing the right accident insurance can be confusing. We’ll help you find the best option based on your needs and budget.