Protecting Your Christmas Valuables

Monarch Insurance’s household contents Policy covers your goods, appliances, electronic equipment, furniture, or clothes within your home from the following insured events:

• Fire, weather, earthquake, flooding, or leaks.
• Malicious damage and riots (SASRIA-covered).
• Accidental impact caused by falling trees, vehicles, or aircraft.

How Much Can I Claim For?

Claims are settled in cash directly into your bank account, based on the repair or replacement cost of lost or damaged items, up to the sum insured you selected, whether it’s R50,000, R100,000, or R150,000, less the excess of R1,000.

Additional Benefits

In addition, we provide coverage for:

• Accidental loss or damage to household contents of up to R5,000.
• Loss of computer software due to fire or flood, up to R5,000.
• Debris removal cost after an insured event of up to R5,000.
• Replacement of identity document, driver’s license, and passport after an insured event, up to R750.
• Fire brigade charges for responding to an event of up to R1,000.
• Replacement of lost or damaged keys, locks, or remote controls of up to R1,500.
• Damage to trees, plants, shrubs, and irrigation from an insured event of up to R5,000.

We do not cover loss or damage to vehicles, motorcycles, caravans, trailers, aircraft, and their equipment; collectibles (stamps, coins, jewellery, furs); mobile devices; important documents; and animals, while excluding issues like rust, theft, product defects, or neglect.

Coverage does not extend to mechanical failures, damage from weather, or events such as war and riots, which are covered by SASRIA.

How To Apply

You need to reside in a well-constructed home in South Africa and have legal residency.

How Can I Claim?

You can notify our claims manager within 30 days of the insured event via email at claims@monarchinsurance.co.za or call our toll-free number on 0800 243 675. Remember, the peace of mind that comes from being insured allows you to enjoy the holiday season with your loved ones, knowing your gifted treasures are protected.

Wrongful Retention of Security Deposit

According to the Rental Housing Act, a landlord must return the deposit and any interest within 14 days after the lease ends. If damages need fixing or there is a dispute between the landlord and tenant, the landlord has another 14 days after the repairs or dispute resolution to return the deposit.

Breach of Contract by Tenant

If a tenant breaches a lease agreement, the landlord must give the tenant a minimum of 20 working days to fix the situation. After this period, the landlord can terminate the lease agreement.

Legal Expense Insurance with Monarch

With Monarch's Legal Expense Insurance*, you can access a toll-free legal advice helpline 24 hours a day, 365 days a year.

Monarch Insurance will contact the other party in a legal dispute to resolve the issue. If not resolved, we will cover the costs of an approved lawyer representing you in legal proceedings (as per the benefit option selected).

Life is full of legalities. In a situation where you need a lawyer, having cover for legal fees is hugely beneficial. Legal expense cover can also give you access to standard legal agreements like wills and testaments, antenuptial contracts, and lease agreements, saving you time and money.