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.