SASRIA Cover in South Africa
SASRIA cover (Special Risks Insurance Association) provides protection against politically motivated events such as riots, strikes, terrorism, and civil unrest—not covered by standard insured-peril or comprehensive policies.
What Does SASRIA Insurance Cover?
- Damage caused by riots, public disorder, or political demonstrations
- Loss from terrorism, sabotage, or hijacking
- Destruction of property during civil unrest
- Theft opportunistically connected to unrest
Why You Need SASRIA Cover
- Standard home, contents, or vehicle insurance excludes civil unrest risks
- Events like riots can cause extensive destruction and theft
- SASRIA ensures you're compensated for losses during widespread social disruptions
Who Should Include SASRIA Cover?
- Homeowners seeking full protection during unrest
- Vehicle owners who park in public or high-risk areas
- Businesses with assets vulnerable to civil disturbance
- Renters concerned about tenant liability during riots
Common Scenarios Covered by SASRIA
- Vehicles damaged during looting or protest actions
- Houses attacked during violent demonstrations
- Content loss due to vandalism linked to civil disorder
How to Add SASRIA to Your Policy
- Check if SASRIA is automatically included with your insurer
- Request SASRIA cover if not listed in your home, contents, or vehicle policy
- Ensure the sum insured matches your asset value
- Keep your policy updated to include new additions like renovations or vehicles
Benefits of SASRIA Cover
- Financial protection during riots, strikes, or terrorist acts
- Peace of mind in times of political instability
- Fast payouts for civil disturbance–related claims