Personal Insurable Risks

Insurable risks of a personal nature include, but are not limited to:

Death Risk of death by natural causes, accident or foul play
 
Trauma
Risk of a terminal or potentially fatal illness or condition
 
Illness Risk of loss of income through extended illness
 
Disability Risk of loss of income through partial or total, temporary or permanent disability
 
Personal Injury
Risk of loss of income and incurring medical and rehabilitation expenses through injury to you
 
Third Party
Property
 
Risk of damage to other people's property caused by your negligence
House Risk of loss or damage to your house and associated structures from fire, storm and tempest, flood, vandalism, etc
 
House Contents Risk of loss or damage to your house contents from fire, theft, loss, accidental damage or vandalism
 
Property Risk of loss or damage to your personal property other than your house and its contents from fire, storm and tempest, flood, vandalism, etc
 
Public Risk Risk of death or injury to other people or damage to other people's property caused by your negligence
 
Travel Risk of expenses incurred due to cancellation of travel arrangements by travel providers, official action or illness or disability
 
Motor Vehicle Risk of death or injury to other people or damage to other people's property caused by your motor vehicle, and risk of damage to your motor vehicle (possibly not including death or injury of driver)
 
Marine Risk of death or injury to other people or damage to other people's property caused by your motor motor or sailing boat, and risk of damage to your boat (possibly not including death or injury of driver)
 
Removal Risk of loss or damage to your furniture, clothing, appliances and other personal effects while your possessions are in transit from one place (eg your house) to another
 


What to do about personal insurable risks .....

To find out which personal insurable risks are applicable to you and whether you are adequately covered against those risks, call us on (03) 9690 4622 or contact us (see menu above) soon to make a time to speak to a Strategic Financial Solutions adviser.