Why have an insurance?

We are not always prepared for what life throws at us. If you are involved in a car accident or your home is damaged during a storm you will probably need to find a way to pay for the damage to be repaired (or in the worst case scenarios, their car to be replaced or house to be rebuilt). Without insurance, most people need to fund these often large amounts of money themself.  With insurance, you can pay a relatively small amount each year (the premium) so that if an unfortunate event occurs that is covered by your policy, your will insurer provide you with cover

Your responsibilities

When you buy insurance from us, you are responsible for keeping your details up to date with us and providing correct information to us. You must also comply with your duty of disclosure when you apply for insurance with us and each time you renew or alter your cover

Cancelling your policy

You can cancel the cover at any time. The cancellation takes effect on the date we receive your request. If you cancel your insurance policy we will refund the unexpired portion of your premium less a cancellation fee, subject always to the “cancellation clause” of your policy.

What’s a Deductible?

A deductible is the amount you must pay when you make an insurance claim.

For example, if you have a $500 deductible, you pay the first $500 of the costs, and the insurers pay the rest.

Can I Let My Friend Drive My Car? Will He or She Be Covered?

If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your  motor insurance policy, as long as he or she has a valid driver’s license and meets the other conditions of your policy.

If your friend is involved in an at-fault accident while driving your car, it could affect your premium.

If you lend your car to someone, remember that your motor insurance coverage may not apply if he or she does not have a valid driver’s license

Can I choose my own repairer?

If we accept your claim and decide your car can be repaired, where possible we will offer you a choice of repairer depending on the cost of repair as estimated by your repairer.

What is the advantage of buying group health insurance?

If you own a business, you may want to consider purchasing group health insurance. The primary advantage of group health insurance is that all of your employees will be covered, regardless of individual health. This is because “evidence of insurability” is not a requirement in group health insurance.

There are other perks to group health insurance plans, too. Group plans are more affordable per person, they tend to be flexible, and they often provide better benefits than individual health plans.

What is the difference between an all risk (open peril) policy and a named peril insurance policy?

An all-risk or open peril policy covers everything except what is specifically excluded in the policy. A named peril insurance policy on the other hand, covers only what is specifically noted in the policy.

What is proof of ownership?

When making a claim you must supply proof of ownership or legal responsibility has to be given, it shows us how old the item is, and its value. We understand that you don’t always keep this type of information for every business item you own. Some examples can include you or your accountants’ tax records, or a receipt of purchase, user’s manual, valuation certificates, photographs or even a receipt of repair for the item. It is important to take photos of any damaged items to help support your claim.

What is an Assessor/Loss Adjuster?

An assessor or external adjuster will be assigned to your claim if required and will be in contact as soon as possible to arrange an assessment.

The assessor will have appropriate identification for your peace of mind.  Our assessors will be on the ground ready to help you, as soon as they possibly can. Assessors attend site to view the loss, determine liability and to assist in the repair or replacement aspects of the claim. Assessors are not able to scale roofs or enter confined spaces, but will arrange suitable specialists to carry out inspections if required.

What is an excess?

It is the amount of money you have to pay to make claim under a policy. The amount will be stipulated in your policy or on your policy schedule.

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