Personal insurance
Your valuables, wherever you go.
Phones, laptops, jewellery and the things you carry — covered against loss, theft and accidental damage, worldwide.
- Portable electronics
- Jewellery & watches
- Accidental loss
All Risk insurance covers the items you carry with you outside the home — phones, laptops, jewellery, handbags, cameras and sports gear — against loss, theft and accidental damage, wherever you are in South Africa or abroad.
Because these items leave the safety of your house, they're not fully covered by standard contents insurance. Ample arranges specified and unspecified all-risk cover so your valuables are protected on the move.
What All Risk & Possessions covers
Portable electronics
Cellphones, laptops, tablets and cameras — covered against theft, loss and accidental damage.
Jewellery & watches
Engagement rings, watches and valuables, at home and away.
Accidental loss
Cover even when an item is simply lost — not only stolen or damaged.
Worldwide cover
Protection that travels with you across South Africa and overseas.
Specified items
High-value items individually listed for full cover with proof of value.
Unspecified items
Blanket cover for everyday valuables up to a set limit, no item-by-item listing.
Who all risk & possessions is for
- Anyone who carries a phone, laptop or valuables daily
- Owners of expensive jewellery or watches
- Photographers, students and remote workers
- Frequent travellers
All Risk & Possessions FAQs
Isn't my phone already covered by household contents?
Only while it's inside your home. The moment you take it out — to work, the shops or on holiday — you need all-risk cover for theft, loss or damage away from home.
What's the difference between specified and unspecified all-risk?
Specified items are listed individually with their value (best for high-value pieces). Unspecified is blanket cover for everyday items up to a limit, with no need to list each one.
Does all-risk cover accidental loss?
Yes — that's the key benefit. Unlike standard theft cover, all-risk pays out even if you simply lose an item, subject to your policy terms.
Am I covered when travelling abroad?
Most all-risk policies offer worldwide cover, so your valuables are protected on overseas trips too. We'll confirm the territorial limits on your policy.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related personal cover
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Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30