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All Risk Insurance

Secure Your Belongings Anywhere, Anytime


Secure Your Belongings
Anywhere, Anytime

Imagine this: you're on a dream vacation, enjoying the sights and sounds. Suddenly, disaster strikes. Your phone plunges into the ocean, your camera gets snatched, or your luggage mysteriously disappears. What do you do?

Worry not! With Personal All Risk insurance, you can navigate such mishaps with peace of mind. Think of it as an umbrella policy for your everyday valuables, protecting them against unforeseen events wherever you go.

What does an all risk policy cover

Unlike traditional insurance, which specifies covered perils, Personal All Risk offers broad protection, covering your belongings against accidental damage, loss, and theft, unless explicitly excluded in the policy wording. This typically includes:

Personal belongings
Personal belongings

Phones, laptops, jewelry, clothing, sporting equipment, and more.

Items carried outside the home
Items carried outside the home

While traveling, commuting, or simply running errands.

Specified valuables
Specified valuables

High-value items like jewelry, cameras, or musical instruments can be individually listed for enhanced cover. (Items over your All Risk Limit must be specified)

Pre-existing damage
Pre-existing damage

The policy will not cover damage that was already present on your belongings when you took out the policy.

Why do you need a
MBFS Personal Lines Insurance Broker


Expertise and tailored advice

Our Broker understands the intricacies of different policies and covers. They can assess your unique needs and risk profile, recommending the most suitable insurance options for your home, car, valuables, and other personal belongings. This personalised approach ensures you are not overpaying for unnecessary cover or underinsured in critical areas.


Competitive quotes and cost savings

Our Brokers have access to quotes from multiple insurance companies, allowing them to compare rates and negotiate on your behalf. This can often lead to significant cost savings compared to dealing directly with individual insurers.


Streamlined claims handling

Dealing with insurance claims can be stressful and time-consuming. Our Brokers can navigate the claims process for you, advocating on your behalf with the insurance company. They can assist in gathering documentation, filing claims, negotiating settlements, and ensuring you receive fair compensation.


Ongoing support and maintenance

You develop a trusting relationship with your broker, who becomes a dedicated advisor understanding your business needs and evolving alongside it. Having a dedicated professional representing your interests provides peace of mind, knowing you have an expert looking out for your business's well-being. They proactively communicate about upcoming renewals, potential risk changes, and market updates, keeping you informed and involved in your insurance decisions.

Four reasons to
choose All Risk cover

Peace of mind

Our insurance solutions are designed to surpass the limitations of traditional insurance policies, providing you with comprehensive cover that caters to a broader spectrum of events. This approach ensures that you benefit from an elevated level of protection, offering you significantly greater peace of mind. Whether it's unexpected incidents, unforeseen challenges, or specific risks unique to your lifestyle, our aim is to keep you covered in more situations.

Comprehensive protection

Our insurance extends further than the usual, covering a wider array of situations to provide you with comprehensive peace of mind. It's designed to safeguard against not just the common, but also the unexpected, ensuring you're always protected. With this enhanced cover, you can venture confidently into your activities, knowing that we're behind you every step of the way.


Tailor your cover to fit your unique needs by selecting specific valuable items and adjusting limits accordingly. This customizable approach ensures your insurance is as individual as your requirements, offering you the flexibility to prioritize what matters most. By personalizing your policy, you gain the assurance that your most cherished possessions are protected, allowing you to adjust cover as your life evolves. Customize with confidence, knowing your insurance is perfectly aligned with your lifestyle.


Easily manage your policy and submit claims through user-friendly online portals or mobile apps. This streamlined approach to policy management and claims filing means you can handle your insurance needs with convenience and speed, often just a few clicks away. Whether updating your policy details or filing a claim, our digital tools are designed for simplicity and efficiency, allowing you to focus more on what matters while we take care of the rest.

Frequently asked questions

What types of belongings are covered?

Is there a limit on the value of covered items?

How much Liability cover do I need?

How do I file a claim?

Is it worth it?

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