Personal Insurance

Get access to our unique products designed especially for your lifestyle, family needs, and requirements.

Personal Insurance

Our personal lines insurance products are designed to ensure that you are never left out of pocket when some of life’s unfortunate eventualities happen. We ensure that you are covered at home, on the road and wherever else you may be. We are mindful of the fact that you are unique, which is why we will always treat you as an individual. Whatever your needs or circumstances may be, we craft our insurance solutions according to your personal requirements.

These are some of the insurance solutions that you can access through Mmela Financial Services:

  • Household Insurance
  • Building Insurance
  • All Risk
  • Vehicle Insurance
  • Travel Insurance
  • Roadside Assistance
  • Funeral Cost
  • Personal Liability
  • Death and Disability

At Home

Our Building Insurance Cover Includes:

  • Damage to buildings, fixtures and fittings such as geysers, windows, pool pumps, sanitaryware, satellite dishes, etc.

Mmela’s Household Contents Insurance Cover Includes:

  • Loss, damage or theft of household goods and personal possessions such as furniture and clothing.
  • Theft of washing and/or garden furniture.

Personal Liability

  • Covers you for legal, medical and repair bills if someone is injured or their property is damaged and you are found legally responsible.

All Risks

  • Mmela’s Personal Belongings policy offers you comprehensive cover against all unspecified and specified personal items such as cameras, cellphones, laptops, jewellery, bicycles, wheelchairs and even stamp or coin collections worldwide.

On The Road

Vehicle Insurance Cover

  • Comprehensive Cover
    Comprehensive cover allows you to claim for any accidental damage to your vehicle, or if it is stolen. You are also covered for damage to third party vehicles or property.
  • Third-Party, Fire and Theft
    Unlike comprehensive insurance cover, Third Party, Fire and Theft Cover only pays out for the theft of or fire damage to your vehicle and is better suited to lower-value or older vehicles. It also gives you protection against third party claims, thus giving you peace of mind while you are driving amongst newer or more valuable cars.
  • Third-Party Only
    This cover is best suited to vehicles that are fully paid for and have a lower value. It only allows other parties to claim for the damage caused to their property.


Personal Accident

This is a 24 hour accidental bodily injury policy, which pays out a lumpsum benefit for death or disability following an accident.

Cover Includes:

  • Roadside Assistance
  • Any injuries incurred as a result of a hi-jacking or assault
  • Injuries incurred as a result of accidents
  • Non-professional sporting injuries

Funeral Benefit

  • Provides an immediate cash benefit to meet the costs of the funeral following death in the family.

Travel Insurance

  • You will receive compensation following injury, disability, death or loss of personal belongings whilst travelling. Benefits include: daily cash payment whilst you are hospitalised and funeral expenses.

Value Added Services

Value-added Services are services that are attached to your primary insurance policy.

Types of Value added Products and Services:

  • Auto top-up is a finance shortfall cover that is designed to protect car owners who have financed their vehicle through a bank. This covers the difference that you owe the bank between your policy settlement and your finance amount.
  • Scratch and Dent Insurance .
  • Tyre and Rim Insurance .
  • Extended Vehicle Warranty .
  • Pre-Owned Vehicle Warranty .
  • Legal Insurance.
  • Excess reducer.