Domestic insurance includes our Personal Lines and John Burnett Select options, which are specifically designed to cater for all your personal insurance needs. We insure buildings, home contents, personal effects, motor vehicles, recreational craft and more.

A myriad of special covers are available in addition to the standard cover detailed below. For more information on additional cover please call +27 (0)11 486 2334 and we can assist you.

shutterstock_161396609We cover private home, garage and any outbuildings situated on a client’s property.

Building cover includes cover for:

  • Insured events – fire, lightning, explosion, storm and wind
  • Accidental breakage of glass and bathroom fittings
  • Public supply or mains connections
  • Loss of rent
  • Power surges
  • Special alterations
  • Bursting, leaking or overflowing of water apparatus
  • Rebuilding after a loss
  • Professional and other rebuilding costs
  • Accidental damage to water pumping machinery
  • Remaking of gardens
  • Removal of fallen trees
  • Repairs after loss – employing a watchman, putting out a fire, other accommodation

Benefits

No excess

Automatic 10% escalation adjustment is done annually.

shutterstock_157112693We cover your household goods and personal items that belong to you or any member of your family residing with you.

Content cover includes cover for:

  • Insured events – fire, lightning, explosion, storm, wind, water, flood, hail or snow
  • Removal of debris after a claim
  • Loss of money
  • Credit and debit cards
  • Accidental damage to any mirror glass or sheet of glass forming a part of furniture
  • Accidental damage to TVs, video recorders, decoder or IT aerial in the building
  • Fridge and freezer contents
  • Power surge
  • Loss of documents
  • Vets fees
  • Goods outside
  • Laundry on the wash line
  • Your contents in transit
  • Locks and keys
  • Your domestic worker’s property
  • Guest property
  • Rent and other accommodation
  • Medical expenses
  • Trauma treating
  • Repairs after loss – employing a watchman, putting out a fire, other accommodation
  • Remaking of gardens
  • Stamp and coin collections

Benefits

No excess

Automatic 10% escalation adjustments are done annually

Contents are valued by a valuator to prevent under-insurance

Additional covers available include

  • Metered water
  • Mechanical damage to TV sets
  • Accidental damage
  • Home business
For accidental damage or loss to your property, the cover is divided into two sections:

shutterstock_178025021Unspecified All Risk Cover

This cover is for personal portable items normally worn or carried by or on your person. Certain items need to be specified. Unspecified all risks is limited to 25% of your sum insured per individual item.

Specified All Risk Cover

Items that would need to be specified would generally include:

  • Cell phones
  • Cameras
  • Laptops
  • Bicycles
  • Jewelry
  • Caravan contents
  • Sporting equipment
  • Firearms
  • Contact lenses or spectacles
  • Hearing aids
  • Dentures
  • Prosthesis
  • Prams
  • Car seats
  • Wheelchairs

Insured events – loss of, or damage to property

  • Golfers hole in one
  • Bowlers full house
  • Loss of money
  • Stamp and coin collections

Benefits

Excess only applies to cell phones and laptops

Cover is worldwide

shutterstock_177757412Personal liability

John Burnett offers personal liability to a limit of indemnity not exceeding R3 000 000.00.

Extended liability

John Burnett offers extended liability to a limit of indemnity not exceeding R17 000 000.00.

Insured events

  • Damages that you become legally liable to pay as compensation for injury or damage
  • Emergency medical expenses that you have paid on behalf of a claimant
  • Liability that you assume under a contract entered into with a security firm or garden service

Extensions

  • Houseowners liability
  • Tenants liability
  • Liability to domestic workers
  • Wrongful arrest

Optional extensions

  • Business liability

Benefits

No excess

For accidental damage or loss to your property the cover is divided into two sections:

Unspecified All Risk Cover

This cover is for personal portable items normally worn or carried by or on your person. Certain items  need to be specified. Unspecified all risk is limited to 25% of your sum insured per individual item.

Specified All Risk Cover

Items that would need to be specified would generally include

  • Cell phones
  • Cameras
  • Laptops
  • Bicycles
  • Jewelry
  • Caravan contents
  • Sporting equipment
  • Firearms
  • Contact lenses or spectacles
  • Hearing aids
  • Dentures
  • Prosthesis
  • Prams
  • Car seats
  • Wheelchairs

Insured events – loss of, or damage to property

  • Golfers hole in one
  • Bowlers full house
  • Loss of money
  • Stamp and coin collections

Benefits

Excess only applies to cell phones and laptops

Cover is worldwide

shutterstock_167161337Personal Accident Cover includes bodily injury caused by accidental violent external and visible means

Cover offered

  • Accidental death
  • Medical expenses
  • Permanent disability
  • Temporary total disability

Extensions

  • Life support machinery
  • Road traffic accident

Benefits

Cover is reasonably priced and no excess applies.

shutterstock_80509831Motor cover includes private motor cars, motorbikes, scooters, electrical golf carts, trailers, caravans, LDV not exceeding 3500kg in gross vehicle mass. You can select three types of cover. We will cover you for private use or business use excluding commercial travelling. We also offer Credit Shortfall.

Comprehensive Insurance

Damage to your vehicle, hijacking, theft as well as injury to other people or damage to their property.

Third Party fire and theft

Cover is limited to loss of/or damage as a result of fire and/or theft, as well as injury to other people or damage to their property.

Third Party only

Injury to other people or damage to their property.

Benefits

  • Excess waiver option
  • No excess if vehicle is fitted with an approved tracking device
  • Towing costs for mechanical and electrical breakdown
  • Emergency accommodation
  • Medical expenses – per occupant of the vehicle
  • Trauma treatment
  • Locks and keys
  • Factory fitted radios covered for 2.5% of the retail value
  • Vehicles are insured for retail value determined by Mead and McGrouther