"Never Need And
Not Have It"

When the FAIS Legislation came out, it was required that a Broker needs to obtain a signed letter of Consent from the Client before they can obtain any quotes for them. The reason this is done is to actually protect the client. As a Broker, when phoning different Insurance companies or obtaining quotes online, we need to give out your personal information like Name, Surname, Address, and Identity Number. This information is only allowed to be used for quoting purposes and dealing with your Insurance needs. It is never allowed to be given out to any Marketing company or misused in any form, as per the POPI Act – Protection of Personal Information Act.

If you only call on clients and it is your own personal vehicle, then you can put it on your personal policy for Business use. However, if you deliver items to clients, then it falls under a Commercial Policy. On a Commercial policy, anyone can drive that vehicle provided that they have your permission and a valid driving licence.

Follow these steps immediately: Turn off the geyser electrical isolator switch on the DB board. Turn off the water mains and stopcock fitted to the inlet pipe of the geyser. Open all the hot water taps in your house to relieve the pressure inside the geyser — this will lessen the amount of water pouring out. Move any furniture or valuables away from the water. Contact your Broker or Insurance company — they will have a 24/7/365 Emergency number for you to contact them.

A proper vehicle quote requires: the year of manufacture and model (the MMCode is helpful); whether you require fully comprehensive, 3rd party fire & theft, or 3rd party only cover; whether the vehicle is used for private or business use; who the registered owner and regular driver are, when they obtained their licence, what code, and any restrictions; what security the vehicle has; any additional extras and their values; where the vehicle is parked day and night; whether you need car hire, credit shortfall, or waiver of excess; SASRIA cover; any current damage on the vehicle; and the colour of the vehicle including whether it has metallic paint.

Everywhere you go nowadays you hear of Insurance Companies advertising cheaper Insurance, that they will beat your quote, or pay you for your friends' details. But did you know that when you go direct, you do not have anyone that will advise you for your needs? Instead, they sell you what they want you to have, not what you need. Over the years we have noticed that some companies come in a lot cheaper, but when you actually read the policy carefully, you notice that some of the cover has not been included. To the average person it might not seem like anything important, but at claim stage it becomes important — and then it's too late. Don't get caught. It is important to have a Broker, one who is qualified and licensed to offer advice and who can make sure you are correctly insured.