The ONE First Class Product provides a targeted solution with the highest limits, widest cover, special extensions, and cover options specifically for Executive individuals.

Target Market

  • The Executive who is over the age of 35
  • Basic excess waiver for all policyholders 55 years and older for all sections of the policy
  • Must insure Minimum combined sum insured of R4 000 000 for homeowners and contents


  • Subsidence and landslip limited cover up to the sum insured – excludes dolomite areas
  • Accidental damage up to the sum insured
  • Power Surge up to the sum insured
  • Damage to solar panels and inverters up to the sum insured
  • Electrical and Mechanical breakdown
  • Leak detection
  • Special alterations
  • Damage caused by Pest Contamination
  • Damage to gardens

Household Contents

  • Accidental Damage up to the sum insured
  • Power Surge up to the sum insured
  • Business Equipment (excluding stock)
  • Power Surge to Business equipment
  • Contents of fridge and freezer
  • Theft of Guest property
  • Students and parent’s property
  • Outdoor items and laundry
  • Moving Permanent residence up to sum insured by professional movers
  • Contents in Storage
  • Medical and Vet Expenses
  • Electrical and Mechanical breakdown
  • Special alterations

All Risk Cover

  • Blanket all risk cover provided for items (including cell phones, laptops,, electronical equipment, portable items, jewellery and pedal cycles) up to 25% of the sum insured
  • All Specified items have a Nil excess
  • Specified Jewellery items do not need to be kept in safe
  • Specify the most expensive watch and the whole collection will be covered.
  • Jamming cover automatically included to the cover

Motor Vehicles

  • Retail value
  • Car hire standard options and executive options
  • Various excess options available
  • Windscreen cover up to the sum insured
  • 4x4 Extreme section available on this product
  • Classic/Collectable car section available on this product
  • Wheel and Tyre cover – optional
  • Home safe chauffeur – optional
  • Hail damage included


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Thank you for contacting ONE, we hope to offer you a fantastic solution to your insurance needs. ONE is authorised to provide advice and product information to accredited Brokers only. Your Broker will need to give you the independent advice to ensure your insurance needs are appropriately met. Please provide your Broker’s contact details in the box below.