Short-term Insurance

Short-term insurance refers to insurance products that cover assets, liabilities, and events for a limited period. These policies are designed to provide financial protection against specific risks, such as damage to property, loss due to theft, or liability claims.

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InsureSmart, a division of CreditSmart Financial Services (FSP:52295), is here to assist you with all of your short-term insurance needs.

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Are You Prepared for the Unexpected?

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Without short-term insurance, a sudden mishap could leave you in a tough spot, financially.

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Could you handle a sudden loss? Protect yourself with short-term insurance before it’s too late.

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Without short-term insurance, you risk losing more than just your peace of mind.

Short-Term Insurance we Offer:

Home-Contents-Insurance

Household or Home Content Cover

This is the cover for the items inside your home. For example, if you turn the house upside down, everything that is not fitted to the structure and can fall out, is considered to be home contents.
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Motor Vehicle Cover

This is cover for your normal everyday vehicles, motorcycles, scooters, LDVs, caravans, trailers, aircraft, and watercraft. Each item has its own specific cover options as well as requirements.
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Vechile-Insurance
Building-Cover

Building Cover

This is the cover for the physical structure of your home as well as the garage and outbuilding structures, as well as items fitted to the structure such as build in cupboards.
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All Risk Cover

This is cover of items such as your jewellery, cell phones, laptops, bicycles also form part of your home contents. However, to enjoy cover for these items, it will need to be specified as it can be taken outside of the house on a daily basis and there is a higher risk associated.
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All-Risk-Insurance

Frequently Asked Questions

What is short-term insurance?
The full definition of insurance is a contract between an individual or business with an insurance company to help provide financial protection and mitigate the risks associated with certain situations or events.

This means that you pay a premium for insurance cover should an unforeseen event happen, such as a vehicle accident, flood or storm, or theft of property.

What does “under-insured” mean?
Under Insurance is when the sum insured on your insurance policy is less than the actual cost of replacing, repairing, or rebuilding, the insured item. Being under-insured can leave you at risk of not being fully covered in the event of a claim.
What are the types of cover for my vehicle?

Comprehensive Cover: this covers damages to your vehicle, such as accident, fire, attempted theft, hijack as well as damages to another party’s property.

Third party, fire and Theft: This is limited cover that does not cover accidental damages to your own vehicle, however fire and theft cover is included as well as damages to the other party.

Third Party only: This is very limited cover. This will only cover the other party’s damages.

What is the difference between Building and Home Content insurance?
In principle they both typically cover similar insured events, such as flood and storm. The building insurance aims at the structure of the building itself whereas the home contents cover the contents and moveable items kept within the structure. For that reason, it is important to have cover for both should you own the building.
Why am I paying an excess if I pay my premium?
The excess amount is the first amount payable by you when your claim is settled or paid out. An excess serves to motivate you as the client to be more responsible and to take better care of your valuables and to prevent small, petty claims as this will have an influence on your claims history and future premiums.

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