Short-term Insurance 

Insurance is an important aspect of our lives, anything can happen and you can be left with nothing. 

Therefore one must be sure that you are insured. You must make sure that you have the right cover for all your items. 

Items can be insured under the following categories: 

  •     Building cover
  •     Household contents cover
  •     All Risk cover
  •     Vehicle cover
  •     Boat cover
  •     Motorbike cover
  •     Trailer cover
  •     Caravan cover
  •     Public liability 

1. Building Cover 

Affordable and specialized Building Insurance for all immovable business and commercial structures. 

Our affordable and specialized Building Insurance covers the immovable structures on your personal and commercial property; these are all the permanent fixtures, fittings and improvements (such as walls, roofs, your swimming pool, gates and gate motors, underground pipes and cables). 

Buildings Cover includes cover for: 

Optional Cover: 

  • Fire, explosion and earthquake
  • Acts of nature (wind, thunder, lightning, storm, hail, flood and snow)   
  • Bursting and overflowing of geysers and water pipes
  • Theft
  • Impact           
  • Accidental damage to glass and sanitary ware       
  • Alterations and additions       
  • Fire brigade charges          
  • Subsidence, heave and landslip          
  • Temporary accommodation          
  • Liability to other people (including domestic employees) 

2. Household Contents Cover 

Personal contents insurance. Specialized insurance for your valued possessions. 

MNH Management provide a comprehensive personal contents insurance policy, that covers all your personal possessions which are inside your home and which belong to you and any members of your household who live with you.Contents cover includes cover for: 

Benefits:       

  • We have an approved panel of service providers who are selected according to strict service and quality standards.    
  • Membership to a 24-hour home emergency assistance. Should you need help in a home emergency (whether it's a plumber, electrician or beekeeper) 

Optional Cover:      

  • Fire, explosion and earthquake        
  • Acts of nature (wind, thunder, lightning, storm, hail, flood and snow)
  • Bursting and overflowing of geysers and water pipes     
  • Theft         
  • Impact 
  • Accidental damage to glass and sanitary ware          
  • Alterations and additions          
  • Fire brigade charges 
  • Subsidence, heave and landslip 
  • Temporary accommodation          
  • Liability to other people (including domestic employees) 

3. All Risk Cover 

Insurance for specified and unspecified personal possessions. 

Specified and Unspecified short-term insurance covers your personal possessions that you normally wear or take out of the home with you, such as clothing, jewellery and cameras. 

Unspecified covers individual items that are usually under R1000 depending on the underwriter. These are items that are usually taken out of your home on a regular basis (handbag; jacket etc) 

Specified covers individual items usually valued at more than R1000 each depending on the underwriter with each item being listed and its value noted. 

The following items must always be noted even if their specific values are less than R1000:      

  • Contact lenses and prescription spectacles         
  • Bicycles         
  • Cellular phones and pagers         
  • Portable computer equipment (notebooks, palmtops and computer accessories)         
  •  Swimming Pool/ Borehole Equipment        

4. Vehicle Cover 

Comprehensive and affordable motor vehicle insurance. 

MNH Management provide specialized, short-term motor vehicle insurance products that are tailored to an individual's unique requirements. 

We offers affordable motor vehicle insurance cover, this includes a variety insurance product offerings, among these are:  

Comprehensive Cover which covers your motor vehicle for accidental damage, theft and hijacking, as well injury to other people or damage to their property.  

Third Party Fire and Theft, which covers your motor vehicle for damage, caused by fire, theft and hijacking, as well injury to other people or damage to their property. Accidental damage to your vehicle is not covered in this insurance policy offering. 

Liability to other people which covers you for liability to other people where an accident caused death or injury to them or damage to their personal property. 

Optional Cover:         

  • Vehicle sound equipment and accessories must be specified and are covered for loss or damage.         
  • Car Hire provides you with a hired car if your car is stolen, hijacked or damaged in an accident and is being repaired at the panel beater. 

Benefits:         

  • Your vehicle is covered for either Market or Retail value. This value is determined by �The Auto Dealers Guide� published by Mead and McGrouther and takes the age, mileage and condition of your vehicle and accessories into account. This will allow you, in the event of your vehicle being written off, stolen or hijacked and not recovered to purchase a new vehicle of a similar make and model.         
  • You can select the excess option, which suits your pocket. The higher the excess, the lower the premium.         
  • We can Insure 4X4's etc for off-road purposes.         
  • Membership to a 24-hour emergency roadside assistance service with towing following a breakdown or accident.         
  • Option to cover the trailer � as long as it is roadworthy

5. Boat Cover 

MNH Management offers affordable boat insurance cover, this includes a variety insurance product offerings, among these are:  

Comprehensive Cover which covers your boat for accidental damage, theft and hijacking, as well injury to other people or damage to their property. 

6. Motorbike Cover 

MNH Management offers affordable motorcycle insurance cover, this includes a variety insurance product offerings, among these are:  

Comprehensive Cover which covers your motorcycle for accidental damage, theft and hijacking, as well injury to other people or damage to their property.  

Third Party Fire and Theft, which covers your motorcycle for damage, caused by fire, theft and hijacking, as well injury to other people or damage to their property. Accidental damage to your vehicle is not covered in this insurance policy offering. 

7. Trailer Cover 

MNH Management offers affordable trailer insurance cover, this includes a variety insurance product offerings, among these are:  

Comprehensive Cover which covers your trailer for accidental damage, theft and hijacking, as well injury to other people or damage to their property. 

8. Caravan Cover 

Angel Insurance offers affordable caravan insurance cover, this includes a variety insurance product offerings, among these are:  

Comprehensive Cover which covers your caravan for accidental damage, theft and hijacking, as well injury to other people or damage to their property.