Value Added Service
We offer a range of Value Added Products (VAP) which can be added to your insurance portfolio, take a look at the options below
Excess Waiver
This is a unique and practical product that aims to reduce the Insured’s excesses of their underlying Policy following the occurrence of an insured event. There is an option of insuring the insured’s basic and additional excess on both motor and non-motor related items, subject to the policy limits for an affordable monthly premium. Clients can be covered for as little as R50 per month.
It is important to note that the excess waiver policy will only pay if the underlying policy kicks in.
Medical Gap Cover
Gap Cover is the invaluable safety net that covers the shortfall between what medical schemes pay and what specialist doctors charge, without this, policyholders would be required to pay this unexpected cost from their own pocket​. There are 3 different covers to choose from depending on client needs and cover limits. We offer individual plans and family plans whereby we cover the insured, spouse and up to 3 kids up to the age of 27 if they are full-time registered students. We also extend cover to clients over the age of 65, special rates apply here. Plans range from R191 to R468 depending on client needs.
It is important to note that the gap cover will only pay if the medical aid kicks in.
We will be introducing a bouquet of exciting and new value added products in the weeks to come – visit soon!
Domestic
Scratch and dent: This benefit provides cover for minor damages to the exterior of the vehicle such as stone chips, scratches and minor dents and in effect can act as a maintenance plan for the vehicles exterior. With unlimited claims and a low excess structure this benefit is easily accessible and helps you keep your prized possession in the best condition possible.
Tyre and rim: This benefit provides cover to the vehicles tyres and rims against any accidental damage and offers to repair or replace rims and tyres within the benefits limits.
Personal accident cover: This benefit is a comprehensive accidental benefit and provides cover to the insured and their immediate family up to the sum of R500 000 for accidental death and disability.
Funeral cover: This benefits provides a cash pay-out in event of the insured passing on. Monies paid out can help cover funeral expenses and provide some financial relief to the effected family in their time of need.
Credit shortfall: This benefit applies to financed vehicles and provides cover for any amounts owing to the finance house should the insureds vehicle become a total loss by way of a vehicle write off or theft. It is important to understand that the credit shortfall cover is subject to the vehicle being comprehensively insured at the time of the loss and the comprehensive cover settling a claim for total loss.
Wills: We assist you in drafting and maintaining your will, providing comprehensive financial and estate planning as well as providing an innovative solution to covering the cost of executing your estate.