COMPREHENSIVE INSURANCE
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1 Nedbank e-guides MAKE COMPREHENSIVE INSURANCE HAPPEN Brought to you by: Nedbank Insurance
2 1 2 3 AN INTRODUCTION TO COMPREHENSIVE INSURANCE TYPES OF INSURANCE WHO BENEFITS FROM COMPREHENSIVE COVER? WHAT DOES COMPREHENSIVE INSURANCE COVER? HOW TO PREVENT BEING OVER- OR UNDERINSURED CONTACT DETAILS AND SOURCES
3 1 AN INTRODUCTION TO COMPREHENSIVE INSURANCE Today, more than ever, our lives are rushed and busy. We want more time, more convenience, more assets, and ultimately more cover. Nedbank s comprehensive insurance allows you to cover all of your assets under one policy. One policy means one monthly premium, one policy number and one phone call. The convenience of covering all your assets under one policy saves you time and gives you peace of mind when life hands you an unexpected lemon. This guide will show you how easy it is to cover all of your assets under one policy as well as the benefits you receive when you take out comprehensive insurance.
4 2 TYPES OF INSURANCE If you own a car, boat, caravan or motorbike, you should have vehicle insurance. Owning a home means that you will need homeowner s insurance and probably home contents insurance. So what does each type of insurance cover you for? Vehicle insurance Vehicle insurance covers you when something unforeseen happens to your vehicle, such as an accident or theft. Depending on the type of cover you require, your policy may include cover for the costs of a breakdown, emergency repairs and replacing keys and locks. Car hire may also be included in your policy.
5 2 TYPES OF INSURANCE (CONTINUED) Homeowner s insurance Homeowner s insurance is compulsory for everyone who is paying off a bond. This insurance covers the actual structure of your home against fire, flood or lightning damage, as well as any other acts of nature. Home contents insurance This insurance covers the things you love inside your home, such as your TV, computer, jewellery and other valuable possessions. Not only do these items have sentimental value, but their value is usually too high to replace all in one go. Home contents insurance assists in replacing these goods at the value you stipulated.
6 3 WHO BENEFITS FROM COMPREHENSIVE COVER? Comprehensive insurance is not the best option for everyone. Someone who only needs vehicle insurance, for example, would not benefit from a comprehensive insurance policy. If you require homeowner s insurance, home contents insurance as well as vehicle insurance, a comprehensive insurance policy would provide greater benefits than three separate policies. This will save you money and time and it is more convenient in the long run.
7 4 WHAT DOES COMPREHENSIVE INSURANCE COVER? Comprehensive cover allows you to insure several assets under one policy vehicle, home and home contents. Here is a list of some of the items comprehensive insurance could cover: Vehicle insurance Motor vehicle Motorcycle Boat Homeowner s insurance Fire, lightning, explosion Storm, wind, hail, snow Damage caused by leaking, bursting, overflowing geyser or pipes Repair or replacement of geyser Break-in or theft Locksmith TV aerials or satellite dishes And more Home contents insurance TVs Computers Jewellery Sunglasses Clothing Handbag Briefcase Important documents Data recovery costs Lost or stolen debit or credit cards Furniture And more
8 4 A TIP TO PROTECTING YOUR GEYSER Even though your geyser is covered under your insurance policy, having a burst geyser is the last thing anybody wants. One way to prevent a claim for a leaking or burst geyser, is by getting a geyser blanket. Below are a few tips and reasons to use a geyser blanket. Covering your geyser with a geyser blanket is an effective way of protecting your geyser, saving energy and preserving water resources, and a DIY geyser blanket is easy to fit. Ensure that you buy a geyser blanket that is fire retardant and UV-treated if your geyser is situated outdoors. Make sure that the blanket material won t retain water so as to avoid corrosion. Use material cutoffs to insulate your hot and cold water piping to save energy. It also keeps the geyser cool in the summer and prevents freezing in the winter.
9 5 HOW TO PREVENT BEING OVER- OR UNDERINSURED What does being underinsured mean? You are underinsured if the amount your insurance policy will pay out is less than what it will cost to replace the lost or damaged item(s). How to avoid being underinsured Update your policy if the replacement price of certain goods has changed. You or an expert must make a realistic estimate of the true replacement value of your insurable assets. Update your household inventory list or other list of assets on a regular basis to ensure that any new items are included and that items you no longer have are removed.
10 5 HOW TO PREVENT BEING OVERINSURED What does being overinsured mean? You are overinsured if your cover exceeds the actual cash value or replacement value of the risk or property insured. How to avoid being overinsured Be proactive with your insurance and financial needs. Study the terms and conditions of your policy to gain an understanding of what your policy covers and the value of the items. Review your insurance annually to ensure that property is not insured for more than its market value. Keep a file of invoices of goods purchased so that you can constantly monitor the cost to replace or repair an item. Keep in mind, though, that the replacement cost of some goods escalate over time.
11 6 CONTACT DETAILS nedbankinsurance.co.za Facebook.com/Nedbank Twitter.com/Nedbank SOURCES Insurance Chat: Insurance Chat: Nedbank Insurance is brought to you by: Nedgroup Life Assurance Company Ltd Reg No 1993/001022/06, an authorised financial services provider (FSP 40915) and a registered credit provider (NCRCP61). Nedgroup Insurance Company Ltd Reg No 1993/001021/06, an authorised financial services provider (FSP 41104).Nedbank Ltd Reg No 1951/000009/06, an authorised financial services provider (FSP 9363) and registered credit provider (NCRCP16). Nedbank manual on the Promotion of Access to Information Act at nedbank.co.za/website/content/legal/index.asp.
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