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Charming retro, red vintage bicycle parked against a white wall.

Personal Belongings Insurance

Insurance that protects the items you take out of your home, against all-risks like loss, damage, and theft. This includes your bicycle, cell phone, laptop, watches, wearable devices and more.

  • Tailored to your Personal Belongings Insurance needs.
  • We reward you with cashbacks for being safe.
  • You're covered locally and anywhere in the world.

Why Personal Belongings Insurance is important

Items that you carry out of your home are valuable too and must be protected financially.

It’s important to categorise your personal belongings as either specified or unspecified personal belongings, which is explained below.

When you insure your Personal Belongings with Momentum, no matter where you are in the world when your items are lost, stolen, or damaged, you are protected.

Momentum's Personal Belongings Insurance

Covers your valued possessions anywhere in the world, against all-risks.

What we cover and who we protect

Belongings that you take out of your home include items you carry or wear daily like jewellery or a handbag, as well as any significantly valuable items you rarely take out the house.

You and members of your household who live with you are covered.

Categorising your personal belongings

It’s important to identify the type of category your personal belongings fall into - either specified or unspecified.

Unspecified cover

Covers the ever-changing items you
carry or wear daily

Generally the items that you take with you might change from day-to-day, like contents in your child’s school backpack or your handbag with contents that change regularly, as well as clothing, which makes it impossible to list each time.

You choose the cover amount
you need

Unspecified items are covered for an overall combined value that you choose according to the value of your possessions. Within this overall limit, the maximum amount payable per item is R3 500.

Covers a big range
of belongings

You can cover a range of items you own - the important thing here is that your individual unspecified items should be less than R3 500.



Specified cover

For your individual items valued at more than R3 500

We recommend that items valued at more than R3 500 must be specified on your policy such as photographic equipment, prescription glasses, and expensive jewellery, whether they leave your house or not. Portable equipment needs to be specified if occasionally taken out of your home, to ensure it is covered sufficiently in the case of theft, loss or damage.

You’ll need to specify the name and value of each item

You'll need to indicate the name and value of each item you want to specify to make sure it’s not under- or over-insured, for example if the value of your smart watch is R4 000, you must state the correct amount.

Some items are only covered if they’re specified

All cell phones, watches, wearable devices - like smart watches; and any electronic equipment must always be specified, no matter their Rand value. If these items are stolen, they will not be covered if not listed under specified items on your policy.

Important things to note

Keep photos, invoices and valuation certificates

Always try to take photos, keep invoices and valuation certificates of each item that you insure, because when you claim, it will help to make the claiming process much quicker and smoother.
Replacement value

The replacement value is what an item would cost you if you were to replace it now. If you insure something for less than its replacement value, the claim will be settled proportionately.
Be careful when carrying items outside or on a vehicle

Make sure to secure racks or carriers to the vehicle, otherwise they will not be covered if stolen.

Also secure bicycles and any items you carry on the racks or carriers to them, otherwise they will not be covered if stolen.
Keep jewellery and watches in a safe

Jewellery or watches that are noted as specified items on your policy, must be stored in a wall- or floor-mounted safe when you don’t wear them.
Sets and pairs

If you face loss or damage of an item that forms part of a set or pair, we cannot replace the entire set or pair. We will replace the individual item or its value if you claim.
Items inside a vehicle

Clients with vehicles that do not have a concealed or enclosed section, like a cubbyhole and boot available in their vehicles will be covered up to the sum insured, provided the windows of the car are covered with a smash and grab safety film, and there are visible signs that the vehicle was broken into.

However, a client who has a car that has a concealed or enclosed section, like a cubbyhole and boot, will need to ensure that their personal belongings are concealed, as we don’t cover items that are stolen or damaged when left exposed inside a vehicle.

Our Personal Belongings Insurance benefits


Regardless of your claim size, the quality of our support and response rate is unmatched.

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We’ve got passionate people

The main thing that sets us apart from the rest is that we’re passionate about what we do.

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Proven track record

Many of our new clients come from word-of-mouth referrals as our reputation speaks for itself.

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Worldwide cover

You are insured from the moment you step out of your home, and even when you travel abroad.

How we reward you

We offer you simple ways to get rewarded with Momentum Car and Home Insurance.

Red Momentum Multiply logo
Our world-class wellness and rewards programme

When you take out Momentum Car and Home Insurance, you automatically get Momentum Multiply Starter, the base tier of Momentum’s rewards programme. All you need to do is activate Safe Dayz™ on the Momentum App and complete the quick and easy Safety Score questionnaire, and you’re well on your way to earning cashbacks. You also get discounts from Multiply’s partners like Pick ‘n Pay, Edgars, Takealot, Mango and more.

Want to know more?

What happens if my belongings get stolen from inside a vehicle?

Clients with vehicles that do not have a concealed or enclosed section, like a cubbyhole and boot available in their vehicles will be covered up to the sum insured, provided the windows of the car are covered with a smash and grab safety film, and there are visible signs that the vehicle was broken into.

However, a client who has a car that has a concealed or enclosed section, like a cubbyhole and boot, will need to ensure that their personal belongings are concealed, as we don’t cover items that are stolen or damaged when left exposed inside a vehicle.

Items left in the loading area of a light delivery vehicle need to be concealed under hard-wearing lockable load covers.
Will the items I carry outside or on my vehicle be covered if they get stolen?

Make sure to secure racks or carriers to the vehicle, otherwise they will not be covered if stolen.

Secure bicycles and any items you carry on the racks or carriers, otherwise they will not be covered if stolen.
What happens if only a part of a set or pair of items, gets damaged or stolen?

If you face loss or damage of an item that forms part of a set or pair, we cannot replace the entire set or pair. We will replace the individual item or its value if you claim.
Where should I store my expensive jewellery and watches when I’m not wearing them?

Jewellery or watches that are noted as specified items on your policy, must be stored in a wall- or floor-mounted safe when you don’t wear them.
Should I keep “references” of the items I’ve insured?

Yes, always try to take photos, keep invoices and valuation certificates of each item that you insure, because when you claim, it will help to make the claiming process much quicker and smoother.

Want a quote?

Click the button below and follow the quick steps to get a short-term insurance quote.

Need advice?

Discuss the benefits of having Personal Belongings Insurance with us.

Contact Momentum
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