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Building insurance
Also known as Home insurance. This insurance specifically covers the building structure of a home against accidental loss or damage caused by fire, theft or natural disasters like floods. The building insurance covers the structures of your home and any fixtures or fittings that belong to you.
Car insurance
This cover is for any car, light delivery vehicles, motorcycles, trailers or caravans, which you are the owner of. Cover options include:
Comprehensive cover
Covers accidental loss or damage to your vehicle and legal liability to a third party related to the specific vehicle.
Limited cover
Third-party, fire, theft & hijacking: Covers loss or damage to your vehicle caused by specific events (fire, lightning, explosion, theft, hijacking) and legal liability to a third party related to the specific vehicle.
Third-Party cover
Covers legal liability to a third party related to the specific vehicle.
Credit shortfall
Covers the difference between your vehicle’s market value and the outstanding hire purchase amount.
Accidental damage to tyres and rims
Covers damage to tires and rims caused by accidents.
Vehicle cover
Home contents insurance
This section covers your household goods against loss or damage caused by theft, burglary, fire, malicious damage, and/ or natural disasters (like storm and flood damage amongst others). These household goods include the likes of furniture, curtains, home appliances, clothing etc.
All risk insurance
This section covers the loss or damage to items you normally wear or take outside your home, regardless where you are in the world. Optional cover includes Clothing & Personal Effects, (these are clothes you usually wear). As well as personal items you carry on you. You must ensure that you have proof of ownership, proving what you owed, make, model, serial number. *There must be validation certificates for jewellery to prove the value and this certificate must not be older than 24 months. Please note this is not a free standing product, it needs to be accompanied by either vehicle or content insurance.
Casualty insurance
Personal legal liability. This insurance product covers you if you’re legally liable for the accidental death, illness or injury of any person who isn’t employed by you, a person whose name is not in the policy summary or a family member who doesn’t live with you. T’s and C’s apply.
Extended personal legal liability. This covers you anywhere in the world (except countries operating under the laws of the United States of America or Canada) in an event of liability not covered by our personal legal liability solution. T’s and C’s apply.
Legal costs and legal expenses. This insurance product covers legal costs and expenses incurred. T’s and C’s apply.
Personal accident. This insurance product provides cover for accidental death or permanent disability caused directly by bodily injury within 12 months of an accident. T’s and C’s apply.
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Frequently asked questions about short-term insurance
What types of short-term insurance does Curemed advise on?
Curemed advises on personal short-term insurance (car, home contents, building, all risks, valuables) and commercial short-term insurance (business assets, commercial vehicles, public liability, professional indemnity). The same Curemed account team that manages your medical aid and gap cover can manage your short-term cover.
Should I bundle short-term insurance with the same provider as my medical aid?
Not necessarily. Medical aid and short-term insurance are different products regulated by different authorities (CMS and the FSCA respectively) and are usually best sourced from specialist providers. What matters is having an adviser who can see the whole picture, not necessarily one insurer for everything.
What's the difference between insured value, replacement value and market value?
Insured value is what your policy pays out. Replacement value is the cost to replace an item with a new equivalent. Market value is what the item would sell for second-hand. Most short-term policies default to one or the other and the choice affects both premium and payout. A broker can review your policy and recommend the right basis for each item.
How often should I review my short-term insurance cover?
At least annually, and whenever a material change happens (new vehicle, home renovation, business expansion, significant asset purchase). Insured values that haven't been updated for years often leave members under-insured at claim time.
Is Curemed an authorised short-term insurance intermediary?
Yes. Curemed is a licensed financial services provider with the Financial Sector Conduct Authority (FSCA, FSP 44098) and is authorised to provide advice and intermediary services on short-term insurance products.