Personal

In these rapidly changing times, IUM’s personal product has been specifically designed to provide clients with the comfort expected from their insurer.


Accidents and misfortunes happen to people daily and could lead to financial ruin without proper insurance. We provide value for money policies that cater for multiple eventualities and provide many added benefits.


A strong emphasis is placed on putting the client back into the position they were in prior to the loss as quickly as possible.

Key Benefits
Cover Included
Optional Cover
Key Benefits
Cover Included
Optional Cover
  • Flat excess option available
  • Jamming cover included
  • No excess benefit for clients over the age of 55 years
  • Plain English policy wording
  • Bowls full house
  • Credit cards, credit vouchers and sim cards
  • Goods in the open
  • Hole in one cover
  • Loss or damage to contents of refrigerators/deep freezers
  • Loss of keys, locks, remote controls and access cards/tags units
  • Loss of water by leakage
  • Personal legal liability to domestic employees
  • Tracing of leaks and repairs
  • Possessions of parents/grandparents in a nursing home
  • Wrongful arrest and defamation
  • 4X4 cover
  • Accidental damage
  • Car hire
  • Computer equipment section
  • Excess assist
  • Caravan contents
  • Generator hire
  • Home industry stock in trade
  • Personal accident
  • Pothole
  • Power surge