BUILDING & CONTENTS INSURANCE

All about has the authority to handle and settle claims for Santam, Bryte to name only a few of the large insurers.

Insurance regulations demand that all clients submit and sign all claim forms themselves. Find below claim forms for different types of claims. Please remember that all claims must be submitted as soon as possible, but no later than 30 days from the incident. 

 

We suggest you take as many photos on your cell phone of damages and the scene as to submit it to us or the assessor.

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Buildings

Your home is most probably the most valuable asset that you own, so it's important to have insurance coverage on the property should it be damaged or even destroyed by events such as a fire or storm.

Make the smart move and protect your building from the environment. You can never tell what's going to happen, so rather be prepared and make sure that your property has the right cover. 

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We Cover the Following ​

1. Loss or damage caused by fire, lightning, explosion, earthquakes, bursting or overflowing of geysers, equipment, or pipes, and storms or floods.

2. Impact on your building and outbuildings by animals, vehicles, and falling trees.

3. Aircraft or objects dropped from them.

4. Malicious or intentional damage.

5. Break-in or theft.

6. Rent lost due to the tenant having to vacate a building for any loss covered by the policy. 

7. Professional fees from public authorities.

8. Accidental damage to your fixed glass and sanitary ware.

9. Accidental damage to your public supply or mains connection.

10. Accidental damage or theft of your radio, TV aerials or masts, and satellite dishes.

11. The cost to demolish your home and to remove the debris if it was damaged by anything covered by the policy.

12. Public Liability as a homeowner.

13. Liability to domestic employees, if he/she dies at your home while he/she is working.

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All Risk 

Portable possessions taken out of the home.​

All Risk covers personal possessions that you normally wear or take out of the home with you, such as clothing, jewelry, cameras, and mobile phones.

Unspecified items - Loss or damage to portable items not more than R1500 per item eg. Handbag cover - items more than R1000 must be specified. 

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The following items need to be specified :​

1. Cellphones

2. Laptops

3. Contact lenses.

4. Jewelry.

5. Caravan contents.

6. Bicycles.

7. Cameras. 

8. Firearms.

9. Items in a Bank vault

10. Car radios

11. Sporting / Fishing/ Camping Equipment.

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Motor Cover  ​

Are you prepared to pay the full cost of repairing or replacing your car if it's damaged or stolen ​

Having an insurance cover is the simplest way to protect yourself from MASSIVE costs that could be incurred in case of an accident.

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Our Vehicle Cover options include.​

Comprehensive - Comprehensive insurance is covered for damage to your vehicle together with third party, fire, and theft. This gives you the broadest possible cover.

 

Our Comprehensive cover includes 

 1. Comprehensive cover for any accident damage and theft.

 2. Towing and storage - to the closest authorized repairer.

 3. Emergency hotel expenses - we will pay up to R1000 towards emergency hotel expenses incurred by you and one passenger in the event of loss or damage to the insured vehicle.

 4. Funeral benefit - in the event of an accident resulting in your death, we will pay up to R3000 funeral benefits

 5. Medical costs - up to R1000 towards medical costs of each injured person.

 6. Trauma - If you are the victim of a violent act of theft, attempted theft, hold up, or hijacking which necessitates professional counseling, we will pay compensation up to R3000 for any one claim.

 

We also offer several optional extras such as cover for :

 1. Your sound system

 2. Any non-standard extra's 

 3. Vehicle's Canopy 

 4. Car hire (as long as your claim is valid)

 

 

Third-party.​

If you have an accident and you are responsible, your third-party insurance covers the damage to the third party's vehicle. 

Third-party, fire, and theft - This provides cover for fire and theft, in addition to the ordinary third-party cover.

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Benefits

 1. Vehicles are insured for retail value  

 2. Car hire for 21, 30, or 60 days

 3. You can select several different excess options 

 4. Locks and keys 

 5. Road Cover - Free legal representation, free administration, and claims management, free required medical-legal reports for Road cover medical experts as approved by the road accident fund (RAF)

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Road Side assistance - Roadside assist will assist you with towing and other services should you experience :

 1. An accident.

 2. Mechanical breakdown.

 3. Being the victim of hijacking or theft.​

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Caravan and Trailer ​​

Under this cover, you may claim if your caravan is damaged or stolen. You may also claim for the damage to other parties and their property. You will only have cover if you use your caravan solely for social, domestic, and pleasure purposes.​

Our Caravan Cover option includes​

Comprehensive - Comprehensively insured, for theft or damage

Towing and storage to the closest repairer

The damage you caused to other parties and their property.​

Our Trailer Cover option includes.​

Comprehensive - Comprehensively insured, for theft or damage

Towing and storage to the closest repairer

The damage you caused to other parties and their property.

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Boats ​​

Under this cover, you may claim for any accident or theft to the craft, or if it's stolen. You may also claim for the damage to other parties and their property. You will only have cover if you use your craft solely for social, domestic, and pleasure purposes.​

Our Watercraft Cover option includes.​

Comprehensively insured, for theft or damage.

Salvage charges incurred while preventing further loss or damage to the craft.