Homeowner s Building Policy Wording

Transcription

1 Homeowner s Building Policy Wording

2 Introducing the insurer, Absa idirect Ltd Before we tell you about the specific cover, we must, in terms of the Financial Advisory and Intermediary Services Act (FAIS Act), tell you about the insurer. Absa idirect Ltd is a registered insurer and an authorised financial services provider, licence number 34766, in terms of the FAIS Act and may render intermediary services and provide advice relating to short-term insurance products (personal and commercial) without any conditions or restrictions. All Absa idirect sales and customer services agents are representatives (employees) of Absa idirect and FAIS representatives, where applicable, work under supervision as required by the FAIS Act. Absa idirect representatives are authorised to provide information on Absa idirect s insurance product only and as such are not allowed to do detailed comparisons with the financial products of other insurers. Absa idirect has professional indemnity insurance. Absa idirect Limited Reg no:1988/091591/06 Quadrum Office Park 2, 50 Constantia Boulevard, Constantia Kloof, Florida, Johannesburg, 2000 PO Box 421 Johannesburg 2000 Contact details for the Complaints Department Tel Fax ais.complaints@absa.co.za Contact details for the Compliance Department The Compliance Officer Absa idirect Limited PO Box 421 Johannesburg 2000 Contact details for the Public Officer The Public Officer Absa idirect limited PO Box 421 Johannesburg 2000 About the Insurer Tel Fax Absa idirect Assist Tel idirect@absa.co.za Tel compliance@absa.co.za Please mark correspondence for the attention of the Compliance Officer Tel ais.complaints@absa.co.za Please mark correspondence for the attention of the Public Officer Conflict of Interest policy The Absa Conflict of Interest policy can be viewed on About Absa > Corporate Governance > Compliance documents 2

3 Introducing your Absa idirect insurance policy Your policy is made up of the schedule as well as general and specific terms. The insurance policy is made up of: 1. A schedule. This sets out the type of insurance you have bought, the amounts you are insured for, the excesses that apply and the monthly premium you must pay. It also sets out security measures you must have to protect the items you insure. 2. General terms of insurance. This sets out your responsibilities, what we do and don t compensate you for and how to claim for any loss or damage to items insured. 3. Specific terms for the individual sections. There are extra terms specific to each type of insurance you buy (for example, motor or home). These are set out in individual sections. This document only includes the information related to home / building insurance and does not include all the sections. For a comprehensive policy wording which includes all your sections, please contact Absa idirect on Some insurance is optional you must check your schedule to see whether you have bought the optional insurance. When and how we will compensate you We will compensate you for loss or damage to items insured under this policy on condition that: you pay the premium set out in the schedule on time every month you comply with all terms set out in your policy. We will decide how to compensate you for an event insured under this policy. This means we may pay out, replace or repair the insured item through a supplier or repairer of our choice, or we may choose to apply a combination of these. Key terms used in this document In this document the words you and your refer to the policyholder, regular driver or any member of your household that permanently resides at the risk address which you intend covering unless indicated otherwise in a specific section. The words we, us and our refer to Absa idirect Ltd. Please contact us if you have any questions If you have any questions about your policy please contact us on

4 Table of Contents General terms and conditions of insurance 5 1. What you have bought 5 2. How to claim 5 3. Your monthly premium 6 4. Your responsibility under this policy 7 5. What we will compensate you for 7 6. What we will not compensate you for 7 7. Other important terms 9 Section 1: Your home (the buildings) Home building insurance Conditions specific to home building insurance What we will compensate you for What we will not compensate you for Legal responsibility to others (Legal Liability) what we will 12 compensate you for 6. Legal responsibility to others (Legal Liability) what we will 13 not compensate you for Section 2: Absa idirect Assist 14 4

5 General terms and conditions of insurance 1. What you have bought You have bought a short-term insurance policy. This means we will compensate you for certain insured events that cause loss or damage to the items you insure. The insured events are set out in this policy. The maximum amount we will compensate you for is set out on the schedule next to each insured item. In exchange for this insurance, you must: 5 pay us a monthly amount (called a premium) comply with the terms set out in this policy. Make sure that you understand what we will and will not compensate you for both in these general terms and in the individual sections that follow. 2. How to claim 2.1 What you must and must not do If a claimable event happens, you must: 1. Inform the police within 24 hours of any event involving theft or loss of property or accident and take all reasonable steps to find out who the guilty party is and to recover the property 2. Inform us where you may need to claim or when another party may claim against you as soon as possible but not later than 30 (thirty) days following the event, by phoning our claims department on the number set out on the schedule. You lose your right to claim if you do not do so in this time. You must tell the claims department what happened with as much detail as possible. 3. The claims department may ask you for and you must provide to them within 15 (fifteen) days of their request: details of any other insurance that covers the insured event proof, statements and any other information they need. Unless we give you permission to do so in writing, you must not: tell anyone involved that the incident may have been your fault promise payment to anyone involved or accept payment from anyone involved. 2.2 Check the policy for what we will not compensate you for Refer to Clause Check your schedule for the excess you are responsible for For some sections of this policy you are responsible for paying an excess. The amount of the excess is set out on the schedule. 2.4 We will only pay our portion if you have other insurance (Dual insurance/contribution) If any loss, damage or responsibility insured under this policy is also insured by another insurance product, we will not compensate you for more than our portion of the loss, damage or responsibility. 2.5 Time limits if we do not accept your claim If we do not accept your claim, you may appeal against our decision. You must appeal in writing within 90 (ninety) days of the date of us not accepting the claim. If your appeal is not successful, you may take the matter further. However, you must start legal proceedings against us within 180 (one hundred and eighty) days of the date of your unsuccessful appeal. If you do not do so in time, you will lose your right to start legal proceedings against us. 2.6 Our rights after an event If, after payment of a claim in respect of lost or stolen property, the property (the subject matter of the claim) or any part thereof is located, you will render all assistance in the identification and physical recovery of such property if called on to do so by us, provided that your reasonable expenses in rendering such assistance will be reimbursed by us. Should you fail to

6 render such assistance in terms of this condition when called upon to do so, you will immediately become liable to repay us all amounts paid in respect of the claim. 3. Your monthly premium You must pay your premium as agreed every month by debit order. We only accept premium payments by debit order. No other means such as cash payments are allowed. Although we will always submit your policy payment to the bank on your selected debit date, some banks do not collect premiums on Saturdays, Sundays or Public Holidays and your premium will then be collected on the next working day. 3.1 If we do not receive your premium on time You must make sure that there are sufficient funds in your bank account to pay your premium on the agreed date. If any debit order is not paid, you will be responsible for the related bank charges. If we do not receive your premium on time, you have a grace period of 30 (thirty) days to pay it. At the end of the grace period, we will process your debit order twice. If we are able to collect your premium, your policy will continue as before. If we are still unable to collect your premium, we will cancel your policy. You are not entitled to any refund of premium if your policy is cancelled. If you claim during the grace period, we will not consider your claim until you have paid the premium. 3.2 When do you receive some of your premium back (ibenefit) 10% for 36 (thirty six) months of no claims: If you do not claim for 36 (thirty six) consecutive months from inception, we will pay you 10% of the total amount of the premium you paid for those 36 (thirty six) months. 15% for the 12 (twelve) month period following: If you do not claim for the next 12 (twelve) consecutive months, following the 36 (thirty) months of no claims, we will pay you 15% of the premium you paid for those 12 (twelve) months. 20% for every 12 (twelve) month period completed thereafter with no claims: For each (twelve)12-month period you do not claim, we will pay you 20% of the premium you paid in that (twelve)12-month period. ibenefit rewards will be paid to you within 45 (forty five) days of the due date. You will not receive an ibenefit reward if the policy is cancelled You will not be entitled to receive an ibenefit reward if: your policy is cancelled before the end of a set period of no claims. If your policy is re-issued after it cancelled, the ibenefit period starts again from zero on the first day of the month after the new policy started. we cancel your policy before the end of a set period of no claims If we pay an ibenefit reward and we later discover that you were not entitled to receive it for any reason, you must pay it back when we ask for it. If we compensate you for a claim, the period of no claims comes to an end. Your ibenefit will start again from zero on the first day of the month after the insured event happened. Some claims do not affect your ibenefit If you claim for any of the following, your ibenefit will not be affected: 1. Windscreen repairs under vehicle insurance (However, full windscreen replacements will affect your period of no claims) 2. Insured events under the Personal accident section 3. The following extensions of insurance under your home (the buildings): injury to pets injury from assault at an ATM hole in one or perfect 8. 6

7 4. Your responsibilities under this policy 4.1 You must give us relevant, true and complete information You must give us relevant, true and complete information about yourself and the items as well as the risk you insure. The amount we insure you for, the premium you pay and the other terms in this policy are based on all the information you give us, including the information you gave us during your application to obtain a quote. You must tell us immediately: if any of the information you gave us is not true, complete and relevant if any of the information you gave us changes. If you do not tell us immediately, you might not be entitled to receive compensation if you have a claim. 4.2 You must take care of the insured items You must take all reasonable care to prevent or minimize loss or damage. If an insured event happens, you must take preventative steps to minimize any extra loss or damage from occurring. 4.3 You must keep all receipts and valuations We may ask you to prove that you own the items you are claiming for and to prove their value. You must therefore keep all receipts, proof of payment and valuation certificates of the items you have insured. 4.4 You must give us access to any damaged items You must give us access to the premises where the loss or damage took place. Where an item is damaged, you must allow us to take possession of it so that our specialists can inspect it to see the extent of the damage. 4.5 You must obtain our approval before getting repairs done You must obtain our approval before you have any damaged item repaired. If you do not, we will not compensate you for the cost of the repairs. You must have repairs and replacements completed within 6 (six) months from the date we approve your claim. 4.6 You must comply to all security requirements as set out in the schedule Should any of your security circumstances change, you should notify us immediately. Example: Your alarm system or security fence at home doesn t work anymore. This changes your security profile and has an impact on the premiums we charge you for the risk we insure. You should notify us immediately, even if you are in the process of getting it repaired. 5. What we will compensate you for We compensate you for loss or damage to insured items caused by certain insured events. These events are set out in the individual sections of the policy. 6. What we will not compensate you for There are certain events we do not insure and we will not compensate you if any of these events happen. In this section, we list the general events we will not compensate you for which apply to every section of insurance in your policy. There may be extra events we will not compensate you for in the individual sections so you must check all sections to see whether we will compensate you. 6.1 Claims based on dishonesty, fraud and misrepresentation We will cancel your policy and we will not compensate you for claims based on dishonesty, misrepresentation or fraud or any combination of these. This includes not giving us true, correct and complete information about yourself and your property when you applied for insurance or when any of this information changed. If we compensate you for any claims that we later discover were based on dishonesty, misrepresentation or fraud, you must 7

8 pay back the amount of the compensation as soon as we ask for it. 6.2 Claims for more than 100% of the sum insured We will never compensate you for more than 100% of the sum insured. 6.3 Illegal activities and property lawfully confiscated We will not compensate you for loss or damage to any property covered in terms of this policy that has been used for, or in connection with, illegal activities. We will not compensate you if any loss or damage to any property occurs due to the obtaining, using or soliciting of any narcotics. We will not compensate you for any liability that may arise as a result of any injury suffered directly or indirectly by you or any other person as a result of a criminal offence. We will not compensate you for property that has been legally confiscated. 6.4 You must not hand over items until you have received valid payment We will not compensate you for loss or damage to insured items if you give possession of them to a buyer before prior confirmation from the bank that a valid and legal payment for the sale has been made. Example: If you sell your vehicle you need to obtain confirmation from your bank that the cheque has been honored, or that the money is not counterfeit, before handing over the vehicle to the buyer. Syndicates operate whereby the purchase might seem legitimate, only to discover later that the cheque was fraudulent or the money used counterfeit. 6.5 Contractual obligations We will not compensate you for loss arising from contractual obligations, including legal responsibility, unless you would have had the responsibility if you had not entered into the contract. 6.6 Claims for loss or damage from asbestos We will not compensate you for loss of or damage caused by asbestos. 6.7 Any cause not sudden and unforeseen We will not compensate you for loss or damage that was not sudden and unforeseen. 6.8 Wear and tear and breakdown We will not compensate you for loss or damage arising from: mechanical, electrical or electronic breakdown or defect any cause that was not sudden and unforeseen damage to consumable parts or parts with a limited lifespan gradual deterioration including rising damp, mildew, fading, rust or wear and tear servicing, maintenance, cleaning, repairing, restoring, dyeing, bleaching or alteration. 6.9 Animals or pests We will not compensate you for loss of or damage caused by: scratching, chipping, cracking, denting, biting, tearing or dying animals, insects or pests Items insured under SASRIA SASRIA Limited compensates you for loss or damage to your property in the Republic of South Africa caused by anyone taking part in a riot, strike, lock-out, civil commotion or committing an act which has a political, social or economic aim. A portion of your premium is automatically paid towards SASRIA Limited. A copy of the SASRIA policy is attached to your policy schedule. 8

9 6.11 Claims for loss or damage from war, riots or terrorism We will not compensate you for loss of or damage caused by: 1. war and warlike activities, for example invasion, acts of foreign enemies and civil war 2. any events for which a fund is established under the War Damage Insurance and Compensation Act, no. 85 of terrorism, including the use of violence or threat of violence for political, religious, personal or ideological reasons 4. activities intended to overthrow the government or any local or tribal authority 5. military might, for example martial law, mutiny, military uprising 6. revolution, including protests, rebellion, civil disobedience and inciting fear in the public 7. civil disturbances, for example riots, strikes, lockouts (whether legal or not) 8. the acts of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any activities referred to in Exclusions 1-7 above Claims for loss or damage from nuclear material We will not compensate you for loss or damage caused by: nuclear explosion, nuclear fission or nuclear fusion radiation, radioactivity or contamination from nuclear material in any form, including from nuclear waste Consequential loss We will not compensate you for any consequential loss or damage. This refers to any loss or damage not directly caused by an insured event. For example: If your vehicle is involved in an accident, we will not be liable for any losses suffered as a result of you not having use of the vehicle. Please read your policy wording carefully since some consequential damage can be covered Claims for indirect loss We will not compensate you for indirect loss which is loss arising from the results of loss or damage rather than the loss or damage itself. For example: If you are involved in a vehicle accident and instead of calling for assistance, you continue driving, which causes the vehicle engine to seize. The damages caused as a result of the accident will be covered, however the damages caused as a result of you continuing driving the vehicle will be excluded. 7. Other important terms 7.1 We share your information with other companies In an effort to keep premiums as low as possible and to combat insurance fraud, you must know that we share your policy information, including claims history, with other insurance companies, credit bureaus (if you have given us permission to do an ITC check) and related entities. We confirm that the sharing of information as highlighted above will not be used for marketing purposes. At Absa we do not sell or distribute any of our client lists to third parties for marketing purposes. In order for us to send you information on the Absa Group s range of products and services as well as any special promotions, we must have obtained your permission when you purchased this insurance policy. We may also contact you to conduct research in order for us to improve our products and services to you. 7.2 You may not transfer your rights in this policy (Cession) This policy gives rights to you only. You may not transfer your rights to anyone else (this is known as ceding your policy). No other person may claim against us, even if we are responsible for any loss or damage they suffer. If another person has a claim for loss or damage, then you must tell us about the claim and we will deal with it on your behalf. 7.3 We may conduct proceedings in your name (Subrogation) In the circumstances set out in this policy, we might compensate you for claims made by other people against you. If another person has a claim against you, you give us the right to take over the defence or settlement of the claim and to conduct it in your name (this is known as subrogation). We may give up the defence or settlement of a claim and pay you the full amount we are responsible for, or any lesser amount for which the claim can be settled, after which we will no longer be responsible for any amounts arising out of the event that led to the claim. 9

10 7.4 We may change the terms of this policy We may change the terms of this policy by giving you 30 (thirty) days written notice. 7.5 When does your policy end (Cancel) We can cancel this agreement by giving you 30 (thirty) days written notice. You can cancel this agreement by giving us 30 (thirty) days written notice. You do not receive your premium back if the policy is cancelled. 7.6 South African law applies to this policy South African law applies to this policy. The courts of the Republic of South Africa have the authority to hear any matters relating to this policy. Section 1: Your home (the buildings) 1. Home (the buildings) insurance Your home (the buildings) insurance means the buildings, including fixtures and fittings, on the property set out on the schedule. In this section, the words below have their meanings shown: You means the insured person named on the schedule and members of the insured person s household Domestic employees means your domestic cleaner, nannies, gardeners and any security personnel (but only if you have entered into a contract with a security firm) Buildings means your private home, made of brick, stone or concrete with a slate, tiled, metal, concrete or asbestos roof. Buildings include: walls, domestic outbuildings, offices, private garages, carports, tennis courts and fixtures and fittings (including fitted carpets) on the property gates and fences on the property, except those made of wood or wire fixed paving on the property spas, saunas, swimming pools, domestic water pumps and solar heating panels on the property TV and radio aerials, satellite dishes, masts and lightning conductors on the property. 2. Conditions specific to your home (the building) insurance A) Replacement value up to the sum insured We will compensate you for the replacement cost of your buildings if you suffer loss or damage. Compensation is limited to the sum insured set out on the schedule, less any excess that applies. However, if you do not buy insurance for the full value of the buildings, we will only compensate you for the percentage of insurance you do have with us. You will be responsible for the difference. The replacement costs for your home should include demolition charges, making the site safe, removal of rubble, fees for professionals and municipal fees (this principle is known as Average). For example: If you insure your home (the buildings) for R300,000 but its value at the time of the loss or damage is R600,000, we will only compensate you for 50% of the loss you suffer. B) You must keep the buildings in good condition C) Your rights in the buildings come after the lender s rights If you have a mortgage bond registered over the buildings, the rights of the lender (also known as the mortgagee): come before your rights are limited to the amount owing on the mortgage bond. will not be invalidated by any act or omission of yours if this occurs without the mortgagee s knowledge For example: John buys a home for R200,000 and borrows money from South Africa Bank to pay for it. The bank registers a mortgage bond over the buildings for the full value. John also buys insurance for the full value. John manages to pay back R50,000 to the bank for his buildings over five years. Then the buildings get totally destroyed in a fire. We will compensate South Africa Bank R150,000 and John R50,000 for the damage. 10

11 3. What we will compensate you for A) Loss or damage to the buildings caused by various insured events We will compensate you for loss or damage to the buildings from the following insured events up to the maximum sum insured set out on the schedule: 1. Housebreaking or theft, but if the buildings are let or lent you must prove there is forcible or violent entry or exit 2. Vandalism by any person not living in the buildings except where the building is vacant and or unoccupied at the time of the incident 3. Fire, explosion and lightning 4. Earthquake, except for earth tremors caused by mining operations 5. Power surges and dips 6. Harmful impact, including: aircraft or any object falling from the sky a road vehicle crashing into the buildings falling trees and trees cut down by a professional tree feller 7. Leaking from geysers, pipes, appliances, cisterns, baths and fixed water tanks and other water-carrying equipment, except if this is caused by the gradual sinking of land (subsidence). 8. Water or oil escaping from a defective water or fitted oil-fired heating installation 9. Storm and flood, except for loss or damage caused by: a rise in the underground water table or pressure caused by it the gradual sinking of land (subsidence), apart from that subsidence specifically insured in paragraph 3.A The gradual sinking of land (subsidence) and landslip from any cause except damage: that existed when the policy started caused by the soil contracting or expanding (including clay soil) caused by faulty design, construction or inadequate compaction caused by alterations, additions and repairs caused by excavations, removal or weakening of support to the watercourse, boundary, garden, screen walls, retaining walls, gates, posts, fences, driveways, paving, swimming pool surrounds and tennis courts. B) Loss or damage to a fitted geyser We will compensate you for the reasonable replacement value of a fitted geyser that burst or leaks. C) Loss or damage caused while the buildings are being built or altered While the buildings are being built or altered structurally, we will compensate you for loss or damage to the buildings caused by these insured events only: 1. Fire, explosion and lightning 2. Storm and flood, except for loss or damage caused by: a rise in the underground water table or pressure caused by it gradual sinking of land (subsidence), apart from that subsidence specifically insured in 3.A Earthquake, except for earth tremors caused by mining operations 4. Aircraft or any objects falling from the sky. D) Loss of rent If an insured event makes it impossible for anyone to live in the buildings, we will compensate you for: the actual rental if tenants were living in the buildings the reasonable rental value of the unfurnished buildings. Compensation is limited to 20% of the sum insured. However, we will not compensate you for a longer period than is reasonably needed to repair or replace the loss or damage. E) Accidental damage to public supply or mains connections We will compensate you for amounts you are legally responsible to pay for accidental damage to the public supply or mains connections inside the boundary of the property for water, sewerage, gas, electricity and telephones 11

12 F) Accidental breaking of glass and sanitary ware If the buildings are furnished and occupied, we will compensate you for any accidental breaking of fixed glass windows, glass in doors, fanlights, skylights, greenhouses, conservatories, stoves, ovens, verandas, mirror glass and fixed sanitary ware. We will not compensate you for chipping, scratching and other spoiling of these items. G) Costs for dealing with loss or damage If an insured event causes loss or damage to the buildings, we will compensate you up to 10% of the sum insured for costs you need to pay: to knock down any part or all of the buildings to remove rubble from the property to put up temporary structures for building operations architects, quantity surveyors and consulting engineers local authorities. 4. What we will not compensate you for Remember to check Clause 6 in the general terms of this policy for general events and items we will not compensate you for. The extra events and items specific to your home (the buildings) insurance that we will not compensate you for are: A) Loss or damage caused by certain events We will not compensate you for loss or damage to the buildings caused by any of the following: 1. any act you commit while drunk, insane, or acting with reduced capacity whether or not you could form any intention at the time of the act 2. theft and other intentional acts: from outbuildings, unless there are visible signs of forced entry. while the building is let or sublet, unless there are visible signs of forced entry where there are people living in the building but it is unoccupied for more than 60 consecutive days if the building is vacant, abandoned or illegally occupied 3. buildings not being maintained in a good order and condition 4. defects in design or construction 5. retaining walls not built according to a registered structural engineer s specifications 6. additional underpinning of foundations necessary to prevent further damage 7. any increased cost because matching materials are not available 8. roots or weeds. 9. Farming operations 10. Property used for profession or business purposes. Your property is insured for residential purposes only. If used for business or commercial purposes, we must be advised immediately. B) Loss or damage to certain items on the property We will not compensate you for loss or damage to: pipes, fixed water tanks (other than geysers) and cisterns wooden or wire fences and gates caused by fire, storm or flood soil and planted hedges vinyl or plastic pools, automatic pool cleaners and pool covers netting, canvas or similar materials. C) Loss or damage insured by another warranty We will not compensate you for any loss or damage which is insured under a valid manufacturer s warranty. 5. Legal responsibility to others (Legal liability) what we will compensate you for We will compensate you for any legal responsibility you might have under the building section for: the accidental death or bodily injury of any person except for members of your household the accidental loss or damage to property belonging to another person except for members of your household and domestic employees. This includes legal costs which someone else can recover from you and we agree to in order to settle or defend a claim against you. The maximum amount we will pay under the Legal responsibility is R3 million per incident. 12

13 6. Legal responsibility to others (Legal liability) what we will not compensate you for We will not compensate you for any legal responsibility you might have to another person arising from: any trade, business or profession the ownership, possession or use of lifts the ownership or possession of animals other than cats and dogs the ownership or possession or use of aircrafts, vehicles and boats the use of weapons and firearms damages and legal costs awarded against you by a court outside South Africa any incident which causes damage to other people s property or injury to them and where the claim for damage to the building, property and person is not covered. We will not compensate you for any legal responsibility you might have to another person that is covered by other insurance or by the Occupational Health and Safety Act or the Compensation for Occupational Injury and Diseases Act. 13

14 Section 2: Absa idirect Assist telephone number: Absa idirect Assist services available 24 hours, 7 days a week, 365 days a year Your passport to medical, legal, home, motoring, tax and document assistance Online and at your service: Absa idirect Assist your own 24-hour, 7-days-a-week, 365- days-a-year, emergency help, Information and advice line. You can t afford to be without it. Absa idirect Assist takes the drama out of any crisis Your Absa idirect Assist card with the telephone number gives you access to a comprehensive range of essential solution services. Real services you need and a lifeline in emergency situations. Calls answered by trained crisis practitioners Your 24-hour emergency call will be answered by a trained Crisis Practitioner, backed by teams of highly specialised medical personnel. The operations room is equipped with sophisticated radio and satellite links staff has immediate access to the largest medical information and supplier base in Southern Africa. 24-hour emergency medical assistance Just dial the Absa idirect Assist 24-hour number and qualified medical personnel will give you free advice and information on how to cope with the situation and deliver instant first aid. They will then arrange emergency services, should they be needed. Free medical evacuation and transportation In the event of an emergency we will arrange and pay for medical transportation and repatriation using helicopter, fixed-wing or road ambulances. Hospital deposit guarantee Where required and in cases of medical emergency we will guarantee deposits at any medical facility in order that you receive urgently required medical attention without delay. These deposits will however be recoverable from the client. Free medical services 1. Return of stranded children A medical emergency can cause your children to be left stranded. Should this happen, we will arrange their return to a place of safety. 2. Transmission of urgent messages In an emergency situation we will arrange for urgent messages to be sent to loved ones and business associates. 3. Location and transfer of medicines We will help to locate urgently needed medicines or medical equipment and will assist with any transportation re quired. 4. Return of mortal remains We will arrange and pay for the return of our client s and immediate family s mortal remains to an appropriate agent in the client s area of residence. Free legal assistance 1. Free standard legal documentation service for documents such as wills, contracts, trusts, leases, etc. If you need a legal document, we will provide it free of charge. 2. Legal advisory estate and financial planning service Advice on legal matters affecting your estate planning. 3. Family and sexual abuse support and counselling service Advice, legal services and interdicts are facilitated to protect the rights of your family. Counselling is provided where required. 14

15 4. Pre-litigation letter of demand by attorney A letter of demand for claims is provided free of charge minute free consultation at the office of an appointed attorney anywhere in South Africa Home disaster assistance Just dial Absa idirect Assist and you have instant access to a network of service providers: locksmiths, electricians, plumbers, glaziers, roofers, water proofers and many more. And for your added security all our suppliers are pre-contracted to ensure a competitive price and quality services. Free telephone advice and information service, but costs are for the client s own account except for the following emergency services where the call-out fee plus one hour s labour is covered. 1. Locksmiths 2. Glaziers 3. Plumbers 4. Electricians Motoring assistance Just dial Absa idirect Assist in the event of mechanical or electrical breakdown or accident and help will soon be on its way. A special convenience service is also offered to help you with arranging emergency overnight accommodation and transport. Absa idirect Limited, Registration Number 1988/091591/06 Authorised Financial Services Provider BN 0414