I got a response from my broker today.

Our appliances are protected against lightning, but NOT POWER SURGES.

Its have to be specified so that it can be added to the premium.

So its time to look into a better option.

Time to go invest in a pile of those ellies surge protection plug tops and do all the paper work to register the plug tops which come with a R30 000 worth of surge cover.

Or am I smoking that 5 leaf green tree again ... that helps with my anger management therapy.