Target Market

All your individual clients who need cover for their personal possessions.

Types of Cover

We can insure the following risks on a stand-alone basis:

• Motor Vehicles
• Motorcycles
• Houses and other buildings
• Household contents

In addition to the above we can cover the following risks:

1. All Risks
2. Trailer
3. Caravan
4. Watercraft
5. Personal accident

Vehicle Cover

Vehicle cover is applicable in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.

Types of Cover

Comprehensive Cover

This option provides cover against accidental damage to the vehicle, as well as injury to other people and damage to their property. It also covers the vehicle against theft and hi-jacking. All vehicles that are financed must be covered under this option.

Limited Cover ("Third-party, fire and theft cover")

This option provides the same cover as comprehensive cover, excluding accidental damage to the client's own vehicle.

Liability to other parties

This option provides cover against liability to other people where a vehicle accident caused death or injury to them or damage to their property. (Both Comprehensive and Limited cover automatically include this.)

Insured value

We can insure the vehicle for one of the following two values:

Retail value

This is the average between the trade and retail values stated in the Auto Dealers' Guide.

Market value

This is the average between the trade and retail values stated in the Auto Dealers' Guide.

In the instance where we can obtain neither of the values above, we will insure the vehicle for a nominated value. This is mostly applicable to vintage or unique vehicles and we would require a valuation certificate from a suitable source before accepting cover.

Regular driver

We base our premium on the profile of the regular driver. This is the person who would drive the vehicle most often in any given monthly period. Any other person may drive the vehicle as well, but not on a regular basis.

Vehicle Use

We will cover the vehicle for either private or businesses purposes.

Private use

This is where the client uses the vehicle for private or social purposes only, including use between your client's home and regular workplace.

Business use

This includes private use, with additional cover where the vehicle forms an integral part of your client's day-to-day business activities.

For business use we limit the vehicle cover to South Africa, but for private use the cover extends to neigbouring countries as well.

Optional cover

Your client can also choose any of the following options:

• Cover for sound equipment and non-standard fitted accessories
• The use of a hired car when the insured car is damaged in an accident or stolen/hi-jacked
• Business use in our neighbouring countries
• Vehicle credit shortfall cover (top-up cover)
• Power Short-term Insurance Explorer

This option will provide cover in neighbouring countries as well as Zambia, Tanzania, Kenya and Uganda. It also provides your client with:

• International SOS medical benefits
• Repatriation of the vehicle and occupants
• Emergency accommodation
• Mechanical breakdown and derangement cover
• Emergency repairs

Power Short-term Insurance (Underwritten by Momentum Short-term Insurance Company Ltd) Explorer cover is not limited to 4x4 vehicles.

Important exclusions

• Driving without a valid license.
• Leaving the scene of an accident unlawfully.
• Driving while under the influence of alcohol or other substances.
• Using the vehicle in races, competitions or for driving instruction.
• Transporting passengers for reward.
• Leaving the vehicle with someone to sell it on your client's behalf.
• Using a vehicle that is not roadworthy.
• Intentional damage to the vehicle by the policyholder or members of his household.

Buildings Cover

This section covers your client's house and outbuildings. (Outbuildings include garages, domestic quarters and storerooms.)

We also cover all permanent fixtures, fittings and improvements, such as driveways, walls, patios, swimming pools, gate motors, tennis courts and underground pipes. Dams and dam walls, loose gravel paths and coverings as well as pool cleaning equipment are excluded.

Standard cover

This section covers the following incidents:

• Fire, explosion and earthquake
• Wind, storm, hail and other acts of nature
• Bursting of geysers and water pipes
• Theft
• Power surges
• Impact
• Accidental damage to fixed glass and pipes
• Liability to other people
• Subsidence, heave and landslip

Optional cover

• Theft cover for unoccupied buildings
• Wear and tear of geysers and pipes

Contents Cover

This section covers all the personal possessions inside your client's home and outbuildings. These items must belong to your client or to any member of his household that live with him.

• Standard cover
• This section covers the following incidents:
• Fire, explosion and earthquake
• Wind, storm, hail and other acts of nature
• Bursting of geysers and water pipes
• Theft
• Power surges
• Impact
• Accidental damage to fixed glass and pipes
• Liability to other people
• Subsidence, heave and landslip

Optional cover

• Theft cover for unoccupied buildings
• Garden and leisure equipment
• Goods used for businesses purposes
• Theft of contents while being transported to a new permanent address

All Risk cover

This section covers personal possessions that your client usually takes out of his home and which belong to him or to any members of his household who live with him. These items have worldwide cover.

All risk categories

There are two all risk categories, namely:

Unspecified all risk

As "unspecified" suggests, this covers a variety of items your client wears or carries with him; these may change from ay to day and it would be impossible to list them each time your client needs them covered. these items therefore have automatic cover for the overall maximum value chosen. Within this overall limit there is a maximum value per item, which your client's schedule states.

Specified all risk

This refers to any items valued at more than the individual maximum value per item for unspecified all risk cover. Your client's schedule states each item and its value separately.

In addition, we must insure the following items is in the specified all risk section if your client requires cover for them:

• jewellery
• cellular phones and pagers
• portable electronic equipment such as notebooks, palmtops, printers and computer accessories
• contact lenses and prescriptions spectacles
• bicycles