The policy is designed to cover personal effects that can be worn or carried by a  person such as jewellery, clothes, portable electronic devices, etc against accidental loss or damage, theft and or fire within Botswana or anywhere in the world. 

If unspecified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it. The amount payable will be the current replacement cost. However if specified property insured is accidentally lost or damaged we will pay for or may choose to repair or replace it.