When can I pay my premiums?
If you have a claim in the period before we re-submit then you will have to pay us the outstanding premium before we can process your claim.
If you cancel your payment to us then your policy will be cancelled at midnight on the last day of the period that you did pay us for.
What happens if I want to cancel my policy?
Now that I’m insured do I have to take extra care of my possessions?
What is Insurable Interest?
What is a First amount payable? (Excess)
What excesses apply?
Are there options to take higher premiums to decrease excess?
Will I have a review of my policy at any stage?
What is Household Contents insurance?
What is Buildings insurance?
What is Personal All Risk insurance?
What is Personal Liability insurance?
What is Personal Motor Insurance?
What is Personal Accident insurance?
What is Business Contents insurance?
What is Loss of Profits insurance?
What is Business Buildings insurance?
What is Business All Risks insurance?
This gives cover for theft or damage to specific business assets that you specify. Cover under this section is worldwide.
What is Business Liability insurance?
This covers your business in the event of damage being caused to property that doesn’t belong to your business. It also covers you for injury or damage to other people who are not employed by you, that happens during the course of doing business.
What is Business Motor Insurance?
This section is where you can insure motor vehicles that belong to you or your business and that are listed on your declaration. You also have cover if you are legally liable for damage caused by the motor vehicle. We also have the option to extend cover at an additional premium to include Goods in Transit (goods sold or bought by your business while being transported).
What is Employee Group Accident insurance?
This cover gives benefits to the people named in the policy, or to your employees named in the policy if they are accidentally injured, disabled or die as a result of an accident.
Can I get insurance cover right here without having to wait for someone to call me?
How long will it take?
I’m stuck and not sure what to do next – can you help?
I’ve started the process, but I don’t have time to finish it right now – what must I do?
I can’t complete the process because I don’t have all the documents.
Why do you ask for my cellphone number?
How do I submit a claim?
By simply logging in to your online profile, you will be able to select the form that is relevant to your claim and fill in the missing details. All your policy information will be pre-populated for you, saving you time!
How long do I have to report a claim?
You have 30 days in which to advise us of a claim – obviously the sooner you tell us the sooner we will be able to assist you.
What happens to my premiums after claiming?
Your premiums depend on the type, nature and frequency of claims. All policies are individually underwritten so you will not be subjected to unnecessary rate increases because other people have claimed.
Can you send a valuer to help me value my building?
What kind of security measures does my home need for me to take Contents insurance?
Why do I need to insure my building?
What happens if I’ve undervalued my household contents?
We do have a survey option service that you can select where we will send a valuator out to your home to list and value the contents. The cost of the survey will be at your expense.
What type of things should I consider specifying under Specified All Risk insurance?
When should I consider taking out Personal Liability insurance?
Who can take Personal Accident insurance?
Consequently, we cannot provide cover for the following:
- Professional sportsperson
- Member of the armed forces
- Armed response personnel
- Member of Police Force or Correctional Services
- Crew of a ship or oil drilling rig
- Professional diver
Which types of motor vehicle can I insure?
Motor cars, light delivery vehicles (LDVs/bakkies), 4X4 vehicles, 2x 4 vehicles, microbuses and similar motor vehicles with agross motor vehicle mass (GMV) of 3 500kg or less designed to seat not more than 12 people including the driver, motorbikes, scooters, golf carts, quad bikes, caravans and trailers (including permanent fixtures and fittings) that are designed to be towed by a towing motor vehicle that you own, hire or lease under a financing or hire-purchase agreement.
Do I have to take different insurance cover depending on how I use my motor vehicle?
- Professional purposes
Please note that we DO NOT offer cover in the following circumstances: hiring or carrying of passengers for hire or reward or carrying of fare-paying passengers; commercial travelling; driving instruction for reward; towing of any vehicle for reward; racing, speed or other contests; rallies; trials; use on a racetrack whether an organised event or not; use on airport property anywhere other than in the parking or drop-off zone; use in the underground workings of any mine; or for any purpose in connection with the motor trade, except when in for repairs, service or overhaul.