Protection

General Insurance

Motor, home and travel cover for the everyday assets and trips a financial plan still has to account for.

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Good to know

No-claim bonus (motor)

Discounts of up to 50% on own-damage premium accumulate over claim-free years — and are transferable between insurers and vehicles.

Under-insurance (home)

Insuring your home for less than its actual reconstruction value can lead to proportionate claim deductions.

Zero-depreciation add-on

Waives depreciation deduction on parts during a motor claim — usually worth it for vehicles under 5 years old.

Pre-existing condition disclosure (travel)

Some travel plans exclude pre-existing conditions unless specifically declared and covered.

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