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Did you know: General
- Over a certain age, insurers will waive your excesses.
- Certain insurers offer free evaluations on your home and contents – which could help protect you against under insurance
Did you know: Home
- Should your home become damaged and uninhabitable, you could be covered to rent alternative accommodation for up to 2 years while your home is being rebuilt.
- Alterations and additions to your home can be covered – subject to terms & conditions.
- You can protect you home with security guards (at the insurer’s cost) after suffering damage from an insurable invent like a fire.
Did you know: Contents
- Certain insurers will cover personal belongings, up to the value of R250 000, anywhere in the world.
- If your sporting equipment is specified, it will be covered even when used during sporting events.
- The contents of your freezer will be covered should an unforeseen event occur.
- Some insurers will cover you for veterinary costs should your pet be injured in a road accident.
- Content for businesses run from home can be automatically included under your standard cover.
Did you know: Motor
- Your vehicle is only insured within the territorial limits stated on your schedule. These may include Botswana Lesotho, Swaziland, Namibia, Mozambique, Zimbabwe, Tanzania, Malawi, Kenya, Uganda and Zambia.
- Some insurers will pay you out for a new vehicle, if your vehicle is stolen or written and its less than 2 years old.
- Should your vehicle become damaged and not useable on your journey, you and your passengers could be put up in a hotel or BnB.
- You can replace your windshield without paying an excess if you use certain glass.
- If your motor vehicle is damaged, you may choose a repairer of your choice.
- You’re rewarded for driving safely with a no claim bonus agreement. Should you not claim within a 12-month period, you’ll be rewarded through adjustments to your premium.
- Motor vehicle keys are becoming very expensive as they are coded. Some insurers will cover the full cost to replace your lost or stolen key – not just part thereof.
Feel free to give Melissa a call on 044 382 0550 should you need help understanding the tricky terms and clauses in your home, car or business policies.
* This article is provided for informational purposes only and should not be construed as legal or financial advice.
