All Risk

All Risk Insurance

Everything you value. Covered everywhere you go.

All Risk Insurance provides the broadest possible cover for your portable personal property, laptops, cameras, jewellery, watches, phones, and more. Wherever you are in the world, your valuables are protected against loss, theft, and accidental damage.

Talk to a Private Advisor How It Works

Coverage Details

What's Covered

Portable Electronics

Laptops, tablets, cameras, phones, and professional equipment against accidental damage, theft, and loss.

Jewellery & Watches

Rings, necklaces, bracelets, luxury watches, and precious items, at home or away.

Accidental Damage

Sudden and unforeseen physical damage to any specified item, cracked screens, drops, spills.

Theft & Burglary

Items stolen from your person, home, vehicle, hotel room, or office.

Worldwide Cover

Your specified items are covered globally, whether you're in Nairobi, Dubai, or London.

Mysterious Disappearance

If an item cannot be found and the cause of loss is unknown, many All Risk policies still pay out.

Simple Process

How It Works

List Your Valuables

Provide a schedule of items you want to cover with their estimated values. High-value items may need a valuation certificate.

Get Your Policy

We issue your All Risk schedule, a single policy covering all specified items at one affordable premium.

Replace, Repair, or Cash

When you claim, we replace or repair the item, or pay you the current market value, fast and hassle-free.

Common Questions

Frequently Asked

What is the difference between All Risk and home insurance?

Home insurance covers items at your home address. All Risk cover follows the item wherever it goes, to work, on holiday, anywhere in the world. It's essential for portable valuables.

Do I need receipts for all items?

Receipts help but aren't always required. Photos, bank statements, or a professional valuation can serve as proof of ownership and value.

Can I add new items mid-policy?

Yes. Contact us to add items to your schedule at any time. You'll pay a pro-rata premium for the remaining policy period.

Is my phone covered if I crack the screen?

Yes, accidental damage including cracked screens is a core benefit. Some policies have a small excess on phone claims.

What's excluded from All Risk?

Wear and tear, mechanical or electrical breakdown, and deliberate damage are excluded. Items left unattended in a visible location (e.g., phone on a café table) may also be excluded, always secure your valuables.

Across Kenya

All Risk cover in your county

We arrange all risk insurance nationwide. These counties have their own page for this cover, with the local risks and requirements that apply there.

Nairobi Kiambu Kilifi

Ready to get covered?

Get your All Risk insurance quote today, same day cover, zero hassle.

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