A guide to Naked

Reach out through the app or email us at help@naked.insure. We’ll help you update your address and check if your premium needs to change based on your new location.

Yes, but there are a few things to keep in mind. Accidental damage is covered only for items you’ve specified under ‘Items over R5,000’. Everything else is covered for fire, theft, burst pipes and more, but not for accidental oopsies.

Most of your contents are covered at home. If something is not specified, it’s only covered up to R5,000 per item when taken outside your home (with a total cap per event). Items you’ve specifically listed are covered wherever they go, even when you travel out of the country.

Yes, if they’re your partner or immediate family living with you. Flatmates aren’t covered and need their own policy. Domestic workers are covered up to R10,000

Yes. If a geyser leaks or bursts and your stuff is damaged, that’s covered. The geyser itself is a building issue, so your building insurance (or your landlord’s, if you’re renting) would handle that.

Here’s a handy blog on who is responsible for what when it comes to renting a place.

Yes, but it depends on the item:

• Specified items are fully covered at their insured value during the move.
• Unspecified items are covered up to 20% of your total contents sum insured if they’re damaged in a fire, lightning strike, explosion or road accident involving the moving vehicle.
• Theft or attempted theft while in transit is not covered, even for specified items.

Your personal liability covers you, your partner, and your financially dependent family members who live with you.

Anything portable and valuable. Think jewellery, laptops, cameras, bikes — anything that would cost more than R5,000 to replace. If you don’t list it, it’s only covered for up to R5,000 and won’t be covered for accidental damage.

If you can carry it out the front door, it’s considered portable. This includes tech, jewellery, musical instruments, and sports equipment.

When buying cover, it’s a lot easier to upload receipts and invoices then and there because you might misplace them. If you need to claim, we usually ask for receipts or valuation certificates, especially for higher-value items.

Nope. The excess you pick is what you pay, no hidden surprises.

You pay your excess if you claim. It’s your contribution towards the cost of repair or replacement.