Car and home insurance FAQs
Car insurance FAQs
A regular driver is the person who drives the vehicle most often in any monthly period. Our premiums are charged based on the profile of the regular driver, meaning if a different driver from the one noted on the premium is considered the regular driver, then the monthly premium is incorrect and will not be covered.
For example, if a ‘regular driver’ (45-year-old) lets a driver (18-year-old) drive their vehicle to university daily without notifying us, we will charge a premium based on the profile of the ‘regular driver’ (45-year-old) rather than on the profile of the 18-year-old driver. This simply means we are receiving an incorrect premium, therefore, the vehicle is not covered. If the ‘regular driver’ changes, make sure you notify us immediately for continuous cover.
Yes, in order to have cover, it is vital that you insure your vehicle for the correct use.
Your vehicle is covered in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe when used for private purposes.
If your vehicle is insured for business use, it is not covered while being used for business purposes outside South Africa unless you have selected the specific optional cover for business use in countries outside South Africa.
Always inform us immedicately if the address of where the vehicle is kept changes to have continuous cover and a valid claim.
You may need to fit additional anti-theft devices in your vehicle depending on what's noted on your policy.
Home insurance FAQs
No, these must be specified under Personal Belongings Insurance.
Yes, we will cover you for loss or damage to household goods temporarily removed from your home, like your coffee machine or decoder, etc. The cover provided is limited to 10% of the sum of contents insured.
Always inform us of a change of address to have continuous cover and a valid claim.
You must inform us of this for continuous cover and a valid claim.
Business insurance FAQS
Comprehensive cover protects you from financial losses such as theft, fire, employee injuries, weather damage from lighning or a storm, and accidental or malicious damage.
It depends on the size of your business and how many employees you have. Give us a call and we’ll be able to provide you with a quote.
Business insurance covers all registered cars, motorcycles, trucks, and any other type of vehicle used to run your business against theft, damage, and lost-key replacement.
General liability insurance is the most common cover for businesses as it provides a broad type of cover. But, assess your business and insure accordingly.
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