Home Personal Insurance All Risk
Personal Insurance — Maximum Coverage

Cover Everything.
Exclude Nothing.

Our All Risk policy protects your portable valuables against accidental loss or damage — inside your home, outside it, and anywhere in between. If a peril isn’t listed as excluded, it’s covered.

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Policy Overview

What is an All Risk Policy?

Unlike a named-perils contract that only covers specific listed events, an All Risk policy covers every peril except those explicitly excluded. Any risk not named in the exclusions list is automatically covered — giving you the broadest possible protection.

Policy Highlights

  • Covers accidental damage or loss of movable items such as laptops, jewellery, wristwatches, rings, and portable electronics.
  • Highly comprehensive — covers all hazards except those specifically excluded such as wear and tear, gradual causes, or damage during cleaning/ironing.
  • Coverage is not restricted to your premises — your items are protected within a specified geographical limit, inside and outside your home.
  • Ideal for professionals and frequent travellers who carry valuable equipment and accessories outside their homes.

Key Principle

“If it’s not excluded, it’s covered.”

This is the fundamental difference between an All Risk policy and a Named Perils policy. You get peace of mind knowing that unexpected events don’t fall through the gaps.

What We Cover

Items Typically Covered

Your portable property is protected wherever you take it, subject to the declared values and geographical limits in your schedule.

Laptops & Computers

Portable computers, tablets, and related accessories against accidental damage, theft, and loss inside or outside your premises.

Jewellery & Valuables

Rings, necklaces, bracelets, earrings, and precious stones against accidental loss, theft, or damage whilst being worn or stored.

Wristwatches & Accessories

Luxury and everyday timepieces against accidental breakage, theft, or loss, including whilst travelling.

Cameras & Equipment

Photographic and video equipment including lenses and accessories against accidental loss or damage anywhere within the geographical limit.

Portable Electronics

Mobile phones, audio equipment, and other portable electronic devices against accidental damage or theft outside your home.

Other Portable Items

Any other movable valuables declared in your schedule — sporting equipment, musical instruments, and more.

Important Limitations

Common Exclusions

The following events are typically excluded from All Risk cover. Please review the full policy wording for a complete list.

Wear and tear, gradual deterioration
Damage during cleaning or ironing
War, invasion, or civil unrest
Government seizure or confiscation
Nuclear hazard or radioactive contamination
Intentional or fraudulent acts by the insured
Mechanical or electrical breakdown (unless resulting from an insured peril)
Market loss or financial depreciation
Infestation, vermin, or insect damage
Pollution or contamination
Claims Process

How to Make a Claim

A simple, 4-step process to get your claim settled quickly and fairly.

1

Secure the Scene

Take immediate steps to prevent further loss or damage. In case of theft, notify the police promptly and obtain a report.

2

Notify Us Immediately

Contact Prestige Assurance by phone or in writing as soon as possible after discovering the loss or damage.

3

Submit Your Claim

Complete the claim form and provide supporting documents — receipts, police reports, repair estimates, or photographs of damage.

4

Receive Settlement

Our assessor will review your claim promptly. On approval, settlement is made at the lesser of repair cost or declared value.

Protect Your Valuables Everywhere You Go

With the Prestige All Risk Policy, your most important portable items are covered wherever life takes you — at home, at work, or on the move.

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