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Accidental Damage
Covers physical breakage, liquid spills, screens cracks, and sudden accidental damage to specified portable items.
Solutions > All Risks (Personal Items)
Cover for Your Valuables, Wherever You Take Them
Laptops, smartphones, digital cameras, and jewelry go everywhere with you — and so do the risks of accidental loss, damage, or theft. APA Personal Items (All Risks) insurance covers your valuable portable effects against accidental damage o
Worldwide Protection
Accidental loss or damage cover applying wherever you take specified items
Tailored Valuables List
Schedule specific electronics, phones, cameras, and jewelry with flexible limits
What is Personal Items (All Risks) Insurance?
Laptops, smartphones, digital cameras, and jewelry go everywhere with you — and so do the risks of accidental loss, damage, or theft. APA Personal Items (All Risks) insurance covers your valuable portable effects against accidental damage or loss arising from accidents or unforeseen incidents, except those specifically excluded. Since it is not restricted to any home premises, it protects your essential portable belongings wherever they are taken, offering peace of mind throughout Uganda and globally during travel.
Highlights
- Accidental loss or damage coverage for specified portable items.
- Protects valuables from fire, burglary, flood, earthquake, and riots.
- Provides worldwide transit protection for travel outside Uganda.
- Requires itemised schedule listings and proof of purchase/valuations.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under All Risks (Personal Items)?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Burglary & Violent Theft
Protects listed items against loss due to break-ins, forced entry, muggings, or armed robberies.
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Fire & Explosion
Covers damage or loss of specified items due to fire, explosions, lightning, or localized combustions.
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Water & Flood Damage
Protection against accidental damage from flooding, burst internal plumbing, or heavy storm waters.
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Riot & Civil Commotion
Covers loss or damage to specified items resulting from strikes, lock-outs, labor disturbances, or civil unrest.
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Worldwide Transit
Extends coverage to protect valuable items while traveling or in transit outside national borders.
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Earthquake & Volcanic Eruption
Protects specified portable belongings from loss or damage caused by earthquakes or tremors.
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Third-Party Malicious Damage
Covers intentional destruction or damage caused to your portable items by malicious individuals.
Eligibility & Documentation
Eligibility Criteria
Specifications
Principal & Property
Individuals residing in Uganda owning valuable portable items or effects.
Requirements
Completed proposal form, serial numbers/IMEI, and proof of item values.
Premium Base
Calculated based on the risk profile and total declared value of specified items.
Deductible Excess
All claims are subject to standard policy excess deductions before settlement.
How to Buy Personal Items All Risks Cover?
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Submit your portable items details and estimated values via the quote request form.
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Provide serial numbers, receipts, or valuation reports for your listed items.
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Review the detailed premium quotation structured with required Uganda levies.
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Authorize proposal details, settle premium payment, and secure your valuables.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It covers accidental loss or damage to your specified valuable portable items — phones, laptops, cameras, jewelry, and watches — including from fire, theft, flood, and other accidental perils.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
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Your Health, Our Priority
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Your Family Awaits, Drive Safely
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Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
