It is important that you insure your valuables for what it would cost you to replace them with the same items today. If you find your item is no longer manufactured, choose the closest model up from that. If you’re still unsure.

Any item for which you buy All Risk Insurance Item cover (i.e. not part of a home contents policy) is covered for accidental damage.

This is normally required at the claims stage, but it’s not a specific requirement that you send them to us when you take out a policy.

Yes, fixtures and fittings form part of your home as it is attached and cannot be easily removed.

Unfortunately building insurance covers the house and fixtures and fittings, appliances will fall under home contents cover and you would need to take out separate contents cover to be covered for this type of loss.

Every day, your house is exposed to many potential risks, the effects of which can be devastating. We want to help you make sure your home is properly protected against unexpected events, such as a fire, explosion, storm, flood, lightning, burglary or theft. Building insurance covers the structures of your home and any fixtures or fittings that belong to you.

Building insurance is usually taken out by the owner of the property as if the building was damaged or destroyed it would be the owner that would suffer the damages.

The most accurate form of valuating your home is to hire a valuator to provide you with an estimate it would cost you to rebuild your home in today’s time. Please take note that you need to ensure you have adequate cover to rebuild your home in today’s time. If it cost you R1 000 000 to build your home 10 years ago, due to inflation the cost to rebuild it will be much higher than R1 000 000.

Most banks consider building insurance compulsory when granting you a loan as they need to ensure that in the event of any loss you will be adequately covered.

Yes, swimming pools will be covered under the insurance and in some instances even the swimming pumps is covered as well. It’s just the cleaning equipment for the pool that isn’t covered which can be covered under home contents.

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-Your house

-Outbuildings

-Driveways

-Walls

-Garages

-Fences

-Patios

-Swimming pools

-Tennis courts

Your premium is dependent on the type, amount and area of your property as well as your own personal profile. There are no 2 people who could pay the exact same premium as everyone’s profiles are very different. The premiums are fairly competitive than when comparing to car insurance.

A vehicle inspection is done to ensure that a thorough analysis on the whole vehicle is done. This is to eliminate any previous damage on the vehicle and to ensure that the car is in good, excellent shape. It will also allow us to determine if there are any non-standard accessories which need to be noted to ensure that you are adequately covered.

Yes, unfortunately it has been statistically shown that young drivers are more prone to meeting up in accidents. Therefore insurance has been designed where the older you become the less your risk becomes and therefore you would pay a cheaper premium. Insurers therefore have a sliding scale and the older you become; the more your risk reduces thus reducing your premium as the years go by.

Comprehensive car insurance includes accident, theft and high jacking, fire and 3^rd party cover. As long as you have a valid claim and liability is determined as you being liable for the damages then the 3^rd party claim will be entertained. Your insurer may also recover liability from the 3^rd party on your behalf if liability lies with the 3^rd party

There’s no higher premium or special condition if you are using your 4×4 off road however, it’s important that you’re not reckless or negligent as this could lead to a claim being repudiated.

Even though the value of your vehicle is decreasing, the costs to repair your vehicle and parts for your vehicle are increasing yearly in line with inflation; therefore the premium has to increase to cater for the increase. We also take your claims history into account and every time you lodge a claim it will affect your premium increase.

Yes that is true; this type of top up cover is called Credit Shortfall. Please take note that credit shortfall is not automatically covered and needs to be added on at an extra cost. In the case of your vehicle being a write off or stolen, the insurer will request for the full settlement amount and if you have included credit shortfall cover then the full settlement will be paid over to the finance house.

The garage should be held responsible for incorrectly filling the incorrect petroleum. We would need to assess each case dependent on the each individual case and you should contact your claims department to assist further.

When adding vehicle hire onto your policy, you have an option of choosing the class of courtesy vehicle you would prefer. Dependent on your needs, the rental companies will be able to supply with a luxury vehicle provided that you have chosen the correct class. Please note that there is an extra cost for car hire and also the class you choose.

No there is no cover for mechanical or electrical repairs under your comprehensive insurance, however many insurers offer motor warranty cover which can be taken as a value added product at an extra cost. Contact us if you would like to receive a quote.

Unfortunately taking an advanced driving course will not affect or decrease your premium however based on your advanced driving and ensuring you have no claims, we would be able to negotiate better rates for you at renewal stages.

Our insurers work with almost all tracking companies registered in South Africa, however dependent on the requirement of the type of device required for your vehicle, you may be limited to specific insurers only. You welcome to contact us so we can assist you further.

Yes, your vehicle will be covered if you are using the vehicle for private use. Please note that you would need to call us and provide us with your departing and returning dates so we can organize a cross border letter for you.

You are welcome to contact us should you be selling your vehicle, however if you are purchasing another vehicle we can do a replacement on your policy without cancelling your policy. This will ensure that you don’t incur any break in insurance.

Yes we will be able to assist you as your cover includes road side emergency assistance and tow away services. You are welcome to contact us to assist you.

Yes, it will be possible to extend the car hire with the car hire company directly, please note that this will however result in you being charged for the extra days of car hire as your insurer will only cover you up to the amount of days as specified in your policy.

Yes, most insurers cover older vehicles up to 20 or 30 years old, as long as they are in working condition. Any vintage vehicles require a valuation certificate and will be covered under an agreed value.

Retail is the value that a dealer would sell a vehicle to you for, dependent on its age, mileage and condition. The retail value is the higher amount between retail and market. Market value is the agreed value between a willing buyer and a willing seller and is usually lower than the retail value of your vehicle.

Private use is using the vehicle to go to work and home and for social and leisure purposes, whereas business use would be using your vehicle to visit clients on a frequent basis.

Yes, your premium is highly dependent on the year, make and model of the vehicle.

If you have an open driver policy, your friend has a valid driver’s license and you have given your friend permission to drive the vehicle then yes we would entertain the claim provided that you have a valid claim and the policy conditions are met.

Because your brother is the registered owner, he needs to insure the vehicle and he needs to make you the regular driver on the policy.

Every insurer has a different set of additional excesses, some insurers have an additional excess that charges an extra excess for accidents outside the borders of South Africa. Please confirm your additional excesses in your policy schedule.

Some insurers will cover you for rebuilt vehicles however it might not be for the full retail value.

Under 25 years of age are already considered high risk, driving a high performance vehicle can pose as an even bigger risk. Therefore some insurers will cover under 25’s with high performance vehicles while some might actually not.

Yes, according to statistics people who are married or co-habiting tend to have a lower risk than single people. This could be because single people tend to go out more than married individuals.

Yes, you can, as long as the vehicle has its original identification numbers.

There are many factors that can affect your premiums; here is a list of some of the factors:

* Age
* Marital Status, being married is rated better than being single
* ITC and background checks, your itc score and or blacklisting can influence the premiums
* Type of car you drive, e.g. make of the car, high performance vehicles, colour of the vehicle
* License Code and year you obtained your driver’s license

* The number of years you have insurance
* The number of years you have insurance and have not claimed
* The number of claims and amounts you have claimed
* The kind of security you have protecting your vehicle, e.g. tracking device, parked in a locked garage
* The area you live in

* The use of the vehicle, private or business use
* Liquidated or Sequestrated, to be determined by each insurer, whether to accept or decline the policy
* Working in private or government sector may influence the premium marginally
* With pay as you drive technology, your hard braking or harsh accelerating can influence your premiums

The above is some of the factors used to determine premium, for more information please send an email to advice@xinixinsurance.co.za

Comprehensive insurance provides you for cover resulting only from accident, theft, hijacking, fire or explosion and natural disasters like flood and hail damage. The cover also includes damages to the windscreen , liability to other 3rd parties as a result of an accident, or damage from other 3rd parties to your asset. In other words limited car insurance is where the policy holder chooses to limit what they’re covered (i.e. not to have cover for all of the above).

Please note there are also exclusions that is not covered for under the comprehensive insurance cover, for example on your vehicle, mechanical breakdown is not covered for. For a full listing please check your policy wording or email us at advice@xinixinsurance.co.za

Most insurance companies uses ITC score checks in order to calculate your premiums. The better your credit score rating , the better your premium will be. Without approval for the ITC check, insurers will decline to do insurance quotes.

The type of license you have obtained and the length of time that you have your license does indeed affect your insurance premiums.

Insurance companies bases this on the fact that has time goes on from the date you got your license and the number of years you gain from your driving experience, this will reduce the risk to insurer, resulting in premium savings for you.

The license you have also affect the premiums you pay in that if you have a B or EB license code, your premium will be less than a C1, EC or EC1 license as the C1, EC or EC1 is more geared towards larger vehicles than motor cars.

When insuring an asset the insurance company will want to establish that you have an insurable interest in the property, in other words, you must stand to suffer a direct financial loss if there is a claim.

Insurance helps you to protect your assets from financial loss. You will pay a premium to have cover on your assets, for example, your home contents, car, building, business, and life. There is various other types of insurance that you can get, for e.g. pet insurance, warranty, dent and scratch insurance.

When purchasing a car, the finance house that is financing your vehicle requires a confirmation of cover insurance document. This document is generated only upon signing up with the insurance company.

South African Special Risks Insurance Association or better known as Sasria covers you for any accidental or intentional damage to your property caused by any person or group of people taking part in a riot, strike, public disorder or civil commotion or any act that has a political, social or economic aim to protest against any state or government. This cover is limited to things happening in South Africa.

What is not covered by Sasria

Sasria does not cover loss or damage caused by:
* consequential or indirect means;
* a stoppage or deliberate slowing down of work;
* your property being disposed of or confiscated by any lawful authority; or
* an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.

The contact details for Sasria is as follows:
Tel: 011 214 0800
Email: claims@sasria.co.za
Website: www.sasria.co.za