BESPOKE WEALTH ASSET INSURANCE FOR THE DISCERNING

Complement your lifestyle with impeccable short-term and personal risk insurance. You’ve earned the right.

BESPOKE WEALTH ASSET INSURANCE
FOR THE DISCERNING

Complement your lifestyle with impeccable short-term and personal risk
insurance. You’ve earned the right.

ABOUT US

Elite provides a personalised and tailored solution to short-term insurance and personal
risk management for people with sophisticated needs.

As part of the Old Mutual Insure family, we’re backed by over 180 years of insurance experience.

We understand that you’ve worked hard to achieve your successes. Insuring your assets with a niche and specialised insurer shows wisdom, foresight, and a commitment to protect yourself, your family and your most valued and treasured possessions. We know your time is a precious commodity, therefore we offer both fast and efficient service by our team of highly qualified professionals; within deadline, bringing you both value for money and complete confidence in asset protection. Our pro-active personal risk management and risk transfer solutions include a face-to-face, full asset valuation service to ensure you are covered on an agreed value basis.

We insure everything from buildings to contents, cars to boats, jewellery, fine art and valuables to personal liability and even international travel. We ensure that you get a tailor-made policy to your most exacting specifications.

We know your time is a precious commodity, therefore we offer both fast and efficient service by our team of highly qualified professionals.

We know your time is a precious commodity, therefore we offer both fast and efficient service by our team of highly qualified professionals.

We know your time is a precious commodity, therefore we offer both fast and efficient service by our team of highly qualified professionals.

We know your time is a precious commodity, therefore we offer both fast and efficient service by our team of highly qualified professionals.

WHEN YOU INSURE WITH ELITE, EXPECT REAL ADDED VALUE.

WHEN YOU INSURE WITH ELITE,
EXPECT REAL ADDED VALUE.

We’re committed to provide you with comprehensive personalised insurance solutions that include:

ACCESS TO A COMPREHENSIVE NETWORK OF SPECIALIST SERVICES
This means we are able to put you in touch with reputable, industry-related experts across the fields of property, fine art and jewellery as well as collectable valuators, security advisers and motor vehicle repair professionals.

 

INSURANCE FOR FINE ART AND VALUABLES
We provide specialist cover for your fine art or valuables. Cover is on an agreed value basis to ensure there are no surprises at claims stage. We cover eventualities such as an increase in value of the art piece following the death of the artist.

Our claims service for fine art and valuables is efficient and discreet, keeping in mind the unique needs of collectors.

 

COMPREHENSIVE TRAVEL INSURANCE
We include travel insurance as an optional buyup that covers family on private international trips as well as your business travel.

Our policy cover includes protection in the event of cancellation or curtailment of trips, medical emergencies, as well as delayed luggage. Lost luggage will be covered under the international asset extension of your home contents.

BESPOKE MOTOR INSURANCE
At Elite we understand our clients have exceptional taste in the cars they drive. From exotic cars to vintage, we have the perfect cover benefits and reinsurance capacity to ensure these movable assets are fully protected.

We provide the most comprehensive insurance on the SA market, with flexible excess options at competitive premiums.

Boasting an innovative cover extension known as Trade-In protection cover, we offer protection for the insured against depreciation in the vehicle’s market value following a partial loss.

You will have the option to select your preferred repairer from a short list of 3, most suitable to the vehicle make.

In the event of the vehicle being written off, we will pay you the full insurance retail value or replace it with a brand-new vehicle if the car is less than 2 years old and there is one available.

Our clients can rest assured that the claims process for motor insurance is of the most sophisticated available, with access to a massive repair network, supported by highly trained and skilled motor claims professionals.


Network of specialist services

International all risks cover for your
personal possessions

Insurance for fine arts and
collectables

Comprehensive travel insurance

Bespoke motor insurance

Network of specialist services

International all risks cover for your personal possessions

Insurance for fine arts and collectables

Comprehensive travel insurance

Bespoke motor insurance

ELITE EMERGENCY ASSIST

Elite Emergency Assist is a value-added service for Elite policyholders that provides assistance on the road
for your insured vehicles, at home for your insured property, or while on vacation.

Available to all Elite policyholders, 24 hours a day, 7 days a week, 365 days a year covers:

ROADSIDE ASSISTANCE
A vehicle incident management service which is available 24/7.

Old Mutual Insure pioneered a Swift Accident Management Solution, to help you if you are involved in a motor vehicle accident. Swiftcare will connect all accident-related calls to the accident management helpdesk.

We also help you with the following:
Towing service for mechanical or electrical breakdown. Minor roadside problems like flat tyres, flat batteries, keys locked in the vehicle or if you run out of fuel.

 

HOME ASSISTANCE
24-hour unlimited assistance if you have a household emergency. This includes locksmiths, electricians, plumbers, glaziers or any other domestic emergency.

CHAUFFEUR SERVICES
We will assist you with a chauffeur to drive your vehicle back to your private home after a night out.

We can also arrange for you to be dropped off at any destination you give us and collect you again at a time you have arranged with us. This service is limited to a 100 kilometre radius from your private home and to 12 incidents per year.

Because we are part of the Old Mutual Insure family, we possess both the power and flexibility to offer you a range of options, tailored to your lifestyle at highly competitive premiums.

PRODUCTS

NOTICEABLY SUPERIOR

At Elite, we don’t just offer peace of mind for those seeking exceptional short-term and personal risk cover. We also deliver seamless, fully-integrated insurance solutions, backed by experience and expertise. Bespoke insurance solutions take insight, planning and processes that are specifically engineered for the most demanding requirements. In our world, we don’t meet expectations; we exceed them.

YOUR PROPERTY EQUALS YOUR SUCCESS
Your property is without a doubt the most important and valuable asset you own. It’s also where you build your dreams, hopes and desires for the future. Protect it, and you will ensure a secure and prosperous tomorrow.
PROPERTY
We cover your insured buildings, contents and valuable possessions including fine art and jewellery
BUILDINGS – MORE THAN JUST BRICK AND MORTAR
If you own a home as well as buildings apart from your private home, you’ll understand that these structures are more than just brick and mortar. They represent security, an income, an investment for the future. The right kind of insurance is imperative to ensure complete peace of mind.
BUILDINGS
We cover the buildings of your private home, and, if you have tenants, we cover the difference between the cost of alternative accommodation and the rental amount in your lease agreement, if the alternative accommodation is more expensive.
THE CONTENTS OF YOUR HOME IS YOUR LEGACY
It takes a lifetime of collecting and curating to make your house a home that’s representative of who you are. We know how you cherish everything that’s within those walls and that you may want to leave a legacy behind for your family. We cover the contents of your house with a solution that’s tailor-made for you, with all the attention to detail you demand.
CONTENTS
We cover the contents of your private home, including a world-wide extension of a percentage
of your contents.
THE CONTENTS OF YOUR HOME IS YOUR LEGACY
It takes a lifetime of collecting and curating to make your house a home that’s representative of who you are. We know how you cherish everything that’s within those walls and that you may want to leave a legacy behind for your family. We cover the contents of your house with a solution that’s tailor-made for you, with all the attention to detail you demand.
CONTENTS
We cover the contents of your private home, including a world-wide extension of a percentage
of your contents.

WE’LL BE THERE, NO MATTER WHERE YOU GO
Travel is a wonderful by-product of success, an opportunity to extend the mind and create new and exciting experiences. But it comes with its own risks. No matter where in the world you or your family may find yourselves, we are always with you on that journey, delivering consistent, reputable, and reliable travel insurance.

INTERNATIONAL TRAVEL
We cover you and your immediate family for international travel on an optional buy-up, including private international trips or business travel.

WE’LL BE THERE, NO MATTER WHERE YOU GO
Travel is a wonderful by-product of success, an opportunity to extend the mind and create new and exciting experiences. But it comes with its own risks. No matter where in the world you or your family may find yourselves, we are always with you on that journey, delivering consistent, reputable, and reliable travel insurance.

INTERNATIONAL TRAVEL
We cover you and your immediate family for international travel on an optional buy-up, including private international trips or business travel.

COVER SOLUTIONS INCLUDE PROTECTION IN THE EVENT OF:

Cancellation of curtailment of trips
Medical emergencies
Delayed baggage

LOST LUGGAGE
Lost luggage will be covered under the world-wide asset extension of your home contents.

STATUS CAR, STATUS INSURANCE
You’re at a stage in your life where you want your car to reflect who you are; a true affirmation of your achievements. To you it’s all about style, luxury and individuality. And what you expect from your car, you expect from your insurance: impeccable performance, absolute reliability and the ultimate in convenience.

STATUS CAR, STATUS INSURANCE
You’re at a stage in your life where you want your car to reflect who you are; a true affirmation of your achievements. To you it’s all about style, luxury and individuality. And what you expect from your car, you expect from your insurance: impeccable performance, absolute reliability and the ultimate in convenience.

MOTOR
We cover your insured vehicle whether for domestic or business use.

You can select the type of vehicle value, whether it is retail value or sum insured value.

We provide the most comprehensive insurance possible with flexible excess options at very competitive premiums.

Our innovative cover option called Trade-In protection cover, protects you against depreciation in the vehicle’s market value following a partial loss.

We give you the option to choose out of a short list of 3 for the repairer most suitable to the vehicle make.

If your vehicle is written off, we will pay the insured the full insurance value or replace it with a brand new vehicle if the car is less than 2 years old and there is one available.

TRIED AND TESTED INSURANCE
THE OLD-FASHIONED WAY

We like to think of our insurance as innovative, forward-thinking and designed for a modern world.

Yet we still believe in the old-fashioned principles of solid support, advice and true professionalism. When it comes to your vintage car, we’ll look after it the same way you do – with care and the respect it deserves.

 

VINTAGE VEHICLES
We understand that you spend years looking for the perfect vintage vehicle to either start or add to your collection of precious cars. Our policy covers all the insurable risks related to vintage vehicles.

We like to think of our insurance as innovative, forward-thinking and designed for a modern world.

Yet we still believe in the old-fashioned principles of solid support, advice and true professionalism. When it comes to your vintage car, we’ll look after it the same way you do – with care and the respect
it deserves.

 

VINTAGE VEHICLES
We understand that you spend years looking for the perfect vintage vehicle to either start or add to your collection of precious cars. Our policy covers all the insurable risks related to vintage vehicles.

HAVING FUN IS PART OF OUR PLAN

You play as hard as you work, rewarding yourself with everything you need to
be fulfilled.

Our watercraft insurance offers comprehensive cover for your boat, yacht or jetski – whether it’s on the water or not.

 

WATERCRAFT
Our policy provides comprehensive cover for your watercraft, whether it is a yacht, motorboat or jetski.

You play as hard as you work, rewarding yourself with everything you need to be fulfilled.

Our watercraft insurance offers comprehensive cover for your boat, yacht or jetski – whether it’s on the water or not.

 

WATERCRAFT
Our policy provides comprehensive cover for your watercraft, whether it is a yacht, motorboat or jetski.

COVER FOR LIFE’S UNCERTAINTIES

Life is unpredictable. No matter the plans and safeguards you put in place, it can throw you a curve ball and leave you out in the cold. Our Personal Liability cover is designed to cover you as an individual, taking into account your circumstances and needs. Our cover solutions are designed to support you in every way. Each of our policies is underwritten by the power and reputation of Old Mutual Insure, which means you continually benefit from a company with a tried and trusted track record.

PERSONAL INSURANCE THAT GOES THE EXTRA MILE
You’ve worked hard for everything you own, and you can’t afford to lose it because of unexpected events you cannot predict. We offer comprehensive insurance that covers you for life’s eventualities, ensuring complete peace of mind.

 

PERSONAL LIABILITY
We cover your legal liability for accidental death, bodily injury or illness of another person, or for accidental loss of or damage to property belonging to another person.

 

EXTENDED PERSONAL LIABILITY
Umbrella liability cover over and above what your personal liability policy covers.

 

EXCELLENCE IN EVERY RESPECT
With Elite, there are no grey areas. We ensure complete transparency and an insurance offering unparalleled in the South African market.

You will receive the best cover, supported by the best service, backed by the oldest insurer on the African continent. Nothing is more important to us than your total security in life.

 

PERSONAL ACCIDENT
We cover your accidental death and
permanent disability.

 

LIFE MAY NOT BE FAIR BUT YOUR INSURANCE SHOULD BE
It is a harsh reality that life may not always go as planned. Retrenchment and redundancy are part of life. Our cover has been carefully formulated to keep you moving forward should your work life take an unexpected turn for the worse. We help you keep going as you get back onto your feet.

PREMIUM WAIVER FOR RETRENCHMENT AND REDUNDANCY
We pay a maximum of 6 monthly premiums on your policy on your behalf from the date you were retrenched or made redundant.

 

WE TAKE THE INITIATIVE IN KEEPING YOU SAFE
As the world changes with the advances in technology, it’s vitally important to keep your identity safe and secure. At Elite, we take it as a given that protecting you against unexpected identity theft should be seamlessly integrated into your policy. You’ve earned your reputation, now let us earn your trust by keeping it safeguarded.

 

IDENTITY THEFT
We cover your financial loss and legal expenses if another person or entity assumes your identity.

We offer comprehensive insurance that covers you for life’s eventualities, Ensuring complete peace of mind.

FOR YOUR INFORMATION

To us, transparency is of vital importance. We don’t hide things in the small print – we’re upfront and honest with our clients, and want to be very clear about key limitations, exclusions, risks and charges.

YOUR INFORMATION
The information that you give to us, which we use in setting the terms and premium for a policy, is material information. If you do not give us all material information or give us information that is not true and correct, we will treat this insurance as if it never existed and decline all claims. We will return your premiums to you, less any amounts you
owe us.

You must pay premiums for the short-term insurance policy to remain effective. The amounts due, the frequency of payments and relevant due dates will be included in the schedules.

If premiums are not paid within 30 days of the due date, cover will be cancelled with effect from midnight on the day before the due date.

Elite Risk Acceptances (Pty) Ltd. is a wholly-owned subsidiary and juristic representative of Old Mutual Insure Limited and receives 100% of our fees from Old Mutual Insure.

Any fees paid to your intermediary will be disclosed in your policy schedule.

THE ELITE POLICY DOES NOT COVER THE FOLLOWING:

THE ELITE POLICY DOES NOT
COVER THE FOLLOWING:

Consequential losses.

Events deliberately caused.

Fraudulent claims or scams.

Liability related to contracts.

Confiscation by lawful authorities.

Fines or penalties.

Liability related to pollution or contamination.

Losses or damages caused by nuclear material.

War, riots, civil commotion, labour strikes or terrorism (note that Sasria covers these risks).

Losses or damages exposing us to sanctions under UN regulations or laws of the EU, UK
or USA.

Losses or damages caused by gradually operating causes.

We’re upfront and honest with our clients.

CONTACT US

54 Oxford Road, Durbanville,
7550, Cape Town

086 011 1022
reception@eliterisk.co.za

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UNDERWRITTEN BY:

Authorised Financial Services Provider (FSP 12). Elite Risk Acceptances is juristic representative of Old Mutual Insure.