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Individual Products: Short Term Insurance

Are you fully covered for short term insurance?

Do you understand the types of cover offered to you by your insurance companies?

We would like to help you to make sure that you understand the meaning of comprehensive insurance.

We as brokers add value through personal attention, outstanding service and structured packages designed around your needs. We can help you make an informed decision about short-term insurance, by pointing out what the various insurers have to offer and at what price. We can obtain quotations from insurers and help you evaluate them. When you decide to accept a quotation, we will handle the administration for you and review your portfolio regularly to ensure that your cover meets your needs and that your premium buys you the best value.

If you have to submit a claim, we will see to the administrative aspects and act as a link between you and the insurer to ensure that the claim is finalised quickly and smoothly.

The following is just an overview of important sections of insurance cover.

Home Owners (Building) Cover:
• Do you know that you do not have to insure your building with your bondholder?
• Cover should include fire, lightning, explosion, storm or flood, earthquakes, bursting or leaking of water apparatus (geysers) and theft or attempted theft.
• Do you have Subsidence and Landslip cover? Some underwriters include it automatically and with some underwriters you need to take out optional cover.
House Contents:

Insurance should cover you for the following occurrences >
• Fire, Lightning, Explosion, Storm, Earthquake & Theft
• Contents must be covered for current replacement cost providing the sum insured represents the total value of all the contents at current replacement values.
• Are you aware of the First Amount Payable and how will it affect you?
• You may select Voluntary Excess (up-to R20,000) to reduce your premiums.
Motor Insurance:

Are you fully comprehensively insured? The cost of vehicles has escalated to such an extent in the past year that it presents a great risk to your financial well being to be without this essential form of cover.

Did you know there are different types of cover for your motor vehicle?

1. Comprehensive
• You are covered for own damages to your vehicle.
• Fire & Theft or hijacking
• 3rd Party damages to the other vehicle should you be at fault

2. Liability Cover: 3rd Party, Fire & Theft
• The damage of your own vehicle is excluded.

• Does your current insurance company offer Windscreen repairs or Hail damages?
• Often is this excluded and needs to be taken out as additional cover.
• Do you automatically have car hire available in the event of an accident or theft?
• Is there a restriction on drivers (such as pensioners, children still living at home)?
• Do you receive discounts for tracking devises (Netstar / Tracker)?
All Risks:

This cover is worldwide provided it is specified.

This will cover you for accidental loss or damage to personal property. (Example: Cell phones are dropped or falls into the swimming pool).

Item’s that needs to be insured for example:
• Jewellery
• Stamp & coin collections
• Pedal cycles
• Cellular telephones
• Car radios
• Tools
• 4 x 4 accessories

Personal Accident:

This provides in the event of bodily injury or death, resulting from an accidental cause occurring anywhere in the world.

The above will include:
• Death
• Permanent Disability
• Temporary Disability
• Medical Expenses

Other Risks:

Other important risks you should consider insuring:

• Trailers
• Caravans
• Motorbikes
• Pleasure Craft
• Personal Computers
Claims Procedures:

You can contact the Underwriters directly to register the claim immediately with them or you can contact us during office hours to arrange a claim form.


Auto & General - Since its inception in 1985 Auto & General has been an influential player in the short-term insurance industry. This leadership has been characterised by the introduction of a number of industry firsts, such as telephonic quoting, and advanced electronic underwriting process and more recently a Service Charter for clients.

Hollard – They may be South Africa’s largest private insurance company, but at heart, they are a family owned business that is passionate about people and partnerships. They have been doing business differently for just over thirty years and today, 1300 dedicated Hollardites provide both short term and life insurance services to more than 6 million policyholders in South Africa and abroad. They are proud to be a local company making a difference all over the world. From as far afield as Australia, Pakistan, India and the UK - to Botswana, Namibia, Ghana and Mozambique, they continue to spread their wings.

Momentum – As their name suggest, Momentum is a place of constant movement and energy. Momentum started out as a small life insurance company, owned by AVBOB in 1966. After a few mergers and the usual acquisitions, they now form part of the FirstRand Group, one of the largest financial institutions in South Africa. As a wholly owned subsidiary of the FirstRand Group, they are responsible for all the insurance and multi-management activities of the group. They provide the full range of personal and commercial short-term insurance products, and deal exclusively through registered financial advisors.

Mutual & Federal – They are the oldest short-term insurer in Southern African with a history that dates back more than 180 years. Now one of the leading insurance companies in RSA, providing insurance service to the personal and commercial markets in South Africa, Namibia, Botswana and Zimbabwe.

SA Eagle - SA Eagle, now a part of the Zurich Group, currently the fourth largest short term insurer in South Africa, operates in both the domestic and commercial markets, transacting in all classes of short term insurance. The company markets its products almost exclusively through brokers and agents. It has a network of offices throughout South Africa, subsidiary insurance companies in Botswana and Zimbabwe, and an associate insurance company in Mauritius. SA Eagle Specialist products include marine, engineering and aviation insurance. In addition, the company has several innovative niche products: risk financing with cell captive facilities through its wholly owned subsidiary, SA Eagle Risk Financing; and a personal legal expenses insurance product, the SA Eagle Legal Plan, through a joint venture company, SA Eagle Legal Expenses Underwriting Managers. E-SCAPE, another wholly owned subsidiary, is an electronic collection and payment system.


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