PERSONAL INSURANCE

Personal Insurance is the devise for indemnifying or guaranteeing an individual against loss. The essence of the contract of insurance, called a policy, is mutuality. 

T.J. Olivier e & Mans offers a range of Personal Insurance products that is tailor-made for each client’s needs, with lower insurance premiums and more benefits. 

The Insurance policy is a legal contract between you and the insurer.  The policy wording, proposal form, schedule and endorsements, make up the legal contract.  The typical insurance policy document is likely to contain sections that do not apply to you, or not taken by you and can therefore be ignored. This document also contain a General Section, which describes general terms and conditions and exclusions that apply to every policyholder. 

Study your policy documents carefully to ensure that all information is correct and that all insured amounts are sufficient. Let your broker know immediately of any changes affecting your risks.

Some sections in the Personal Insurance Policy:

HOUSEHOLD GOODS

PERSONAL LIABILITY

BUILDINGS

ALL RISKS

MOTOR CAR / VEHICLES

VEHICLE LIABILITY

WATER CRAFT

WATER CRAFT LIABILITY

MOTOR CYCLE

CARAVAN / TRAILER

PERSONAL ACCIDENT

PLEASURE CRAFT

PERSONAL COMPUTERS

LEGAL COST / ACCESS

EXTENDED PERSONAL LIABILITY

BEREAVEMENT EXPENSES

DEATH BENEFIT PLAN

HOSPITAL BENEFIT PLAN

MECHANICAL AND ELECTRICAL BREAKDOWN