2. Liability Cover: 3rd Party, Fire & Theft
- The damage of your own vehicle is excluded.
Questions:
- Does your current insurance company offer Windscreen repairs or Hail damages?
- Often is this excluded and needs to be taken out as additional cover.
- Do you automatically have car hire available in the event of an accident or theft?
- Is there restriction on drivers (such as pensioners, children still living at home)?
- Do you receive discounts for tracking devises (Netstar / Tracker)?
All Risks:
This cover is worldwide provided it is specified.
This will cover you for accidental loss or damage to personal property. (Example: Cell phones are dropped or falls into the swimming pool).
Item’s that needs to be insured for example:
- Jewellery
- Stamp & coin collections
- Pedal cycles
- Cellular telephones
- Car radios
- Tools
- 4 x 4 accessories
Personal Accident:
This provides in the event of bodily injury or death, resulting from an accidental cause occurring anywhere in the world.
The above will include:
- Death
- Permanent Disability
- Temporary Disability
- Medical Expenses
Other Risks:
Other important risks you should consider insuring:
Include:
- Trailers
- Caravans
- Motorbikes
- Pleasure Craft
- Personal Computers
Claims Procedures:
You can contact the Underwriters directly to register the claim immediately with them or you can contact us during office hours to arrange a claim form.
UNDERWRITERS:
Auto & General - Since its inception in 1985 Auto & General has been an influential player in the short-term insurance industry. This leadership has been characterised by the introduction of a number of industry firsts, such as telephonic quoting, and advanced electronic underwriting process and more recently a Service Charter for clients.
Hollard – They may be South Africa’s largest private insurance company, but at heart, they are a family owned business that is passionate about people and partnerships. They have been doing business differently for twenty seven years and today, 1300 dedicated Hollardites provide both short term and life insurance services to more than 6 million policyholders in South Africa and abroad. They are proud to be a local company making a difference all over the world. From as far a field as Australia, Pakistan, India and the UK to Botswana, Namibia, Ghana and Mozambique, they continue to spread their wings.
Momentum – As there name suggest, Momentum is a place of constant movement and energy. Momentum started out as a small life insurance company, owned by AVBOB in 1966. After a few mergers and the usual acquisitions, they now form part of the FirstRand Group, one of the largest financial institutions in South Africa. As a wholly owned subsidiary of the FirstRand Group, they are responsible for all the insurance and multi-management activities of the group. They provide the full range of personal and commercial short-term insurance products, and deal exclusively through registered financial advisors.
Mutual & Federal – They are one of the leading insurance companies in RSA, provides insurance service to the personal and commercial markets in RSA
SA Eagle - SA Eagle, currently the fourth largest short term insurer in South Africa, operates in both the domestic and commercial markets, transacting in all classes of short term insurance. The company markets its products almost exclusively through brokers and agents. It has a network of offices throughout South Africa, subsidiary insurance companies in Botswana and Zimbabwe, and an associate insurance company in Mauritius. SA Eagle Specialist products include marine, engineering and aviation insurance. In addition, the company has several innovative niche products: risk financing with cell captive facilities through its wholly owned subsidiary, SA Eagle Risk Financing; and a personal legal expenses insurance product, the SA Eagle Legal Plan, through a joint venture company, SA Eagle Legal Expenses Underwriting Managers. E-SCAPE, another wholly owned subsidiary, is an electronic collection and payment system.
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