Residential & Property Protection
All Risk Insurance
All Risks Insurance provides protection for personal belongings you carry with you every day. From jewellery and electronics to sports equipment and personal devices, Golden Shield ensures that valuable items taken outside your home remain protected against unexpected loss, theft or damage.
ALL RISK INSURANCE COVER
Life moves with you — and so do the things you value most. All Risks Insurance ensures that your personal items remain protected wherever you go, whether at work, travelling, or enjoying everyday life. From valuable jewellery and smart devices to specialist equipment and personal essentials, this cover provides confidence that the items you rely on outside your home remain safeguarded against unexpected loss, damage, or theft.
Typical All Risk Cover Includes:
- Accidental Loss or Damage
- Theft or Robbery
- Worldwide or Nationwide Protection
- Portable Electronics
- Jewellery and Personal Valuables
- Sports and Lifestyle Equipment
COVER OVERVIEW
Protection Type
ALL RISKS INSURANCE
Suitable For:
INDIVIDUALS WITH VALUABLE PERSONAL BELONGINGS
PROFESSIONALS & BUSINESS TRAVELLERS
TECHNOLOGY USERS
JEWELLERY OWNERS
SPORTS & LIFESTYLE ENTHUSIASTS
INSURANCE CLASS
SHORT-TERM PERSONAL INSURANCE
COVER TYPE
PORTABLE POSSESSIONS PROTECTION
OUR SHIELDED ADVICE
Cover that Moves with you
Insurance should never feel complicated. Our Shield Advice approach focuses on understanding your lifestyle, your assets, and the risks that matter most to you. By combining professional guidance with carefully structured cover options, we help ensure that the items you value most are protected with the right level of insurance — giving you clarity, confidence, and protection you can rely on.
Frequently Asked Questions
All Risks Insurance protects personal belongings that you take outside your home. This includes items such as jewellery, laptops, cellphones, cameras and other valuables that may be lost, stolen or damaged while you are away from home.
Unspecified All Risks covers general personal belongings like clothing and everyday items without listing them individually, usually up to a set limit. Specified All Risks requires each high-value item to be individually listed and insured for its specific value.
Yes. High-value items such as jewellery, laptops, cameras and other expensive belongings should usually be specified on your policy to ensure they are insured for their full replacement value.
Yes. All Risks Insurance generally provides cover for your insured items wherever you take them within South Africa, subject to the terms and conditions of your policy.
If an insured item is lost or stolen, you should notify Golden Shield as soon as possible and submit a claim. Supporting documentation may be required, such as proof of ownership or a police report in the case of theft.
Yes. You can add new specified items to your policy at any time. Simply contact your broker or advisor to update your cover and ensure your valuables remain protected.
Advisory Support
Your valuables deserve protection that moves with you.
Golden Shield’s All Risks cover is designed to safeguard the items you depend on every day. With expert guidance and carefully structured cover, we ensure your most important belongings remain protected wherever life takes you.