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All Risks
(Worldwide Cover)
House Owners
Households (Contents)
Person in hospital with needles and pipes in hand
Personal Liability

Personal Insurance Products

We offer a range of insurance products that are tailored to suit your personal insurance needs.

All Risks
(Worldwide Cover)

All Risks Insurance provides broad coverage for a wide range of risks, including accidental damage, theft, loss, and many other perils. This comprehensive protection ensures that your valuable possessions are safeguarded against a broad spectrum of potential threats even when you're travelling or away from home.


It offers peace of mind, flexibility, and tailored coverage, ensuring that you're prepared for unexpected events that could otherwise result in significant financial loss.

House Owners (Buildings)

Homeowners insurance is primarily designed for individuals or families who own residential property as it focuses on protecting the physical structure of the home and not the personal belongings inside.

A buildings policy provides protection for the physical structure of the insured home, including the foundation, walls, roof, and attached structures like garages and it covers damage or loss caused by perils like fire, lightning, windstorms, and vandalism.

Household (Contents)

This type of insurance only focuses on protecting personal belongings and liability cover but does not cover the physical structure of the dwelling which forms part of your building insurance if you are a property owner.

Your contents insurance will include personal items such as furniture, appliances, clothing, and electronics. This coverage extends beyond the home and may cover personal belongings when they are outside the property, such as items in a storage unit or while traveling.

Personal Liability

Personal Liability insurance is essential for all individuals and offers protection from the financial consequences of accidents, lawsuits, and unforeseen events. It not only safeguards your assets but also provides peace of mind, ensuring that you can navigate life’s uncertainties without the fear of being financially ruined due to liability claims or legal action.


Although vehicle insurance is not a legal requirement in South Africa, vehicle accidents and theft still occur at an alarming rate. If you are involved in an incident or suffer from a stolen vehicle and have no insurance cover, the burden of having to repair or replace your vehicle could be financially devastating.

It’s important to note that while third-party insurance will assist in the case of an accident, comprehensive insurance provides more extensive coverage and includes theft and hi jacking cover, especially for newer or more valuable vehicles.

Vehicle owners should carefully review their insurance options, consider their specific needs, and choose coverage that aligns with their circumstances to ensure they are adequately protected while driving in South Africa.

RBW Personal Platinum

Our RBW Personal insurance policy is designed to provide comprehensive cover for all the personal insurances you might need, including house owners, contents, all risks, motor and pleasure craft, and personal liability cover.

We have binder agreements with key insurers which allows us to price risk, issue policies and settle claims quickly and efficiently.  

Contact Us

for assistance with your insurance portfolio.

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