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Let us help you find the BEST insurance for your HOME CONTENTS.

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QUESTIONAIRE

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    About you

    Read me If you have been referred through an agent please make sure you add the Agent Code here for you to enjoy any further benefits.





    We won't share your information with anyone unlawfully.


    We can't give you an accurate quote without knowing your ID or passport number.

    We can't give you an accurate quote without knowing your age. There are lots of risk factors affected by age. The younger you are, the more likely you are to go out at night than an older person, which means a little more risk for insurers.

    people
    MaleFemale



    XINIX needs to know your occupation because it tells us how much risk you face in your day-to-day life, and knowing these risks help us give you a more accurate quote.

    check
    Yes
    We can't give you a quote without your permission to do an ITC check. This is a requirement by all insurance companies in South Africa. A good ITC record will discount your premiums.

    assessment
    YesNo
    It is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.

    checkroom
    YesNo
    Have you been sequestrated, it is important to answer honestly as at a time of claim you would not want your claim to be rejected due to non-disclosure. This is a requirement to understand your affordability for insurance.

    Your Address
    We need to know the risk address for the contents cover that you would like to insure.





    Your Home Contents
    how_to_reg
    YesNo



    We need to know if you are living on a single / double or more than double storey home.

    escalator
    YesNo

    functions


    We need to know how much will it cost you to replace all your items in your house, the value if you went shopping now to get these items. Please ensure that you select the correct sum insured amount as being under insured can affect you at claim stage. If you are under insured average will be applied and you will be paid out less than what you claimed for.


    watch_later


    How many years have you lived here for?



    How many months have you lived here for?


    We need to know the type of roof construction was used for the roof.


    We need to know the type of roof construction was used for the roof.


    water_damage


    How many geysers is there on the property.


    chalet
    YesNo

    calculate


    How many metres away is the Lapa or Pool House with a Thatch is.


    maps_home_work
    YesNo

    maps_home_work
    DenExtra HouseGarden FlatLapaStorage RoomNone

    line_weight
    YesNo

    people
    YesNo

    people
    Main BuildingOut Building

    line_weight
    None of belowNear Informal SettlementWithin 100m of any body of waterNext to open Veld/Highway/SettlementBusiness PremisesNew Area with ongoing Building Activities

    Is anyone at home during the day?

    no_meeting_room
    YesNo

    no_meeting_room
    YesNo

    work_outline
    YesNo


    security
    Burglar Bars on all open windowsBurglar Bars on all non opening windowsSecurity Gates on all external doorLinked alarmLinked Alarm with Armed ResponseSliding doors with additional locksElectric Motors on GarageElectric Motors on Gates24h Security GuardNone of the aboveElectric fencing linked with No Armed ResponseElectric fencing linked with Armed ResponseElectric fencing not linked

    lock
    YesNo


    Yes

    Select accidental damage amount, this is in terms of accidentally damaging an item. Specify the maximum amount of cover for one event.
    Your Claims
    Currently Insured?
    Do you currently have insurance?

    Current insurer you are with.







    pending_actions
    YesNo
    Is this the first time you are taking out insurance?

    pending_actions
    YesNo
    Did you have cover for the last 39 days?

    pending_actions
    YesNo
    Did you have cover for the last 3 months?

    Any claims in the last 7 years?
    Claims in the last 7 years.


    What type of claim did you have?


    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.

    When was the last time you claimed, how long ago did you have a claim?

    How many years have you not had a claim? So if you had a claim say on the 1st of June 2019, and today is the 1 January 2021 this means that you have only 1 year of no claims. You need to round down any years, so in this case you would be claim free for 1 and half years, so we have to round down to 1 year and never round up.

    Any Insurer Rejected Your Claim?
    Any insurer ever rejected your claim?


    Finish up




    Feel free to add any questions or notes or best dates or times to contact you so that we can address all your questions when we arrange for a face-to-face or online meeting.




    HOME CONTENTS

    FAQs

    Home Contents Insurance

    What’s home contents insurance?

    Home content is everything in your house that you own. If you could take your house and turn it upside down, all the items that would fall out would form part of house contents cover.

    I would like to insure my Laptop and cell phone under my home contents, will that be possible?

    Because a laptop and cell phone can be carried out of your home and can be carried anywhere, they would be covered under All Risk cover. All risk cover is abit more expensive as it covers you anywhere in the world.

    I have items in my home that I have for many years and do not have receipts for them like the TV and lounge set. How do I value these items?

    You need to take into the account the amount that you would have paid for the items and see how much you would pay for the exact item in today’s day and age. That would give you an indication of how much you would need to cover these items for.

    I am renting where I am staying, is it possible to take out home contents or do I need permission from my landlord?

    The contents cover in your house is owned by you and not your landlord and therefore in order to ensure that you are covered should anything happen to your contents it would be your responsibility to take out content cover.

    What can I do if I do not know what is the sum insured of all my contents?

    We have an inventory form which you can complete, this will assist you in ensuring that every single item that is in your home is accounted for and it will allow you to have a more accurate sum insured amount.

    Want to check out the Inventory Form?

    Complete Now

    What will happen if I am under-insured?

    The consequence of not having the correct replacement value for your contents could result in you being under- insured and the insurer will apply the average rule when you claim. This means that instead of the insurer paying out the correct replacement value, they will only pay out a portion of it depending on the value you were covered for.

    What is average?

    Average is the amount which the insurer will pay you in the case of you being under insured. For instance if your TV is valued at R15 000 but you have insured it for only R10 000, the insurer will pay you out less than what you insured the TV for. R10 000/ R15 000 * R10 000 /1 = R6 666. The insurer will only pay you R6 666 for the TV as you are under insured.

    What will home contents cover, cover me for?

    -Fire, Lightning, explosion
    -Damage by acts of nature : Storm, wind, hail, snow, flooding etc
    -Theft /attempted theft cover (Subject to forcible and violent entry)
    -Damage and or impact by falling objects and or trees
    -Accidental/ Malicious damage (limited ,depending on the product)
    -Limited Subsidence and landslide cover (Please be aware that this cover is excluded for mining and industrial areas due to the high risk factor of processes which include the use of explosives)
    -Damage by leaking of oil from oil heaters
    -Damage by bursting, leaking or overflowing of geysers of water apparatus

    What is an excess?

    An excess is the amount that you would pay each and every time you claim from your insurer.

    Will I be covered for load shedding and power surge?

    The insurer will cover you for power surge with a very small limit, should you wish to increase that amount you need to inform us so we can get a quote for you. Please note that power surge cover can also be a bit expensive.

    I have my vehicle covered; can I add contents cover onto my existing policy?

    Yes you can, in fact adding on cover to your existing insurance policy will assist you in qualifying for a discount on your total premium. It is advisable to add your vehicle, building and contents cover onto one policy.

    HOME CONTENTS

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    TELEPHONE: 086 162 0000
    VOIP NUMBER: 087 724 1000
    E-MAIL: INFO@XINIXINSURANCE.CO.ZA

    Hours: Mon-Fri 08:00 am to 3:00 pm
    CNR LIMA AND OLIVE ROAD
    OLIVEDALE OFFICE PARK
    OLIVEDALE, RANDBURG 2188
    SOUTH AFRICA