Product Guide - Hollard · oard as Product Guide V 7 No-Claim Reward ... Emergency Assist benefits...

ProductGuide

Hollard – Easy Product Guide V1 2


1. Introduction to easy 5

2. No-claim reward 6

3. Dependencies 8

4. Motor 9

a. Cars 11

b. Motorbikes 14

c. Trailers & Caravans 17

d. Non-road vehicles 18

e. Watercraft 20

5. Home contents 23

6. Portable possessions 26

7. Buildings 29

8. Personal liability 32

9. Emergency and assist benefits 34

10. Value-added benefits 40

10. Contact information 43

CONTENTS

EASY DOES IT

Hollard EASY is the simple, hassle-free choice to make when recommending car, home contents and building insurance for your client.

The policy is designed for your client, by your client, as they get to choose and specify their level of cover.

Hollard EASY offers all the basics, but EASY clients also benefit from free Car & Home Emergency Assistance as well as free Home & Convenience Drive. For added peace of mind, your client can choose from a list of Value-Added Benefits, which provide extra assistance and cover when needed.

An easy No-claim Reward thanks your client for not claiming by paying back a portion of all premiums paid after a certain period.

Interested? It’s as EASY as it sounds.


Introduction to Hollard Easy

What is Hollard Easy? • A short term insurance product

• Coreofferingwithabuy-upoption

• Add-onbundlesavailable

• Optiontocustomisecover

• Aimedatbothlowerandhigherlimitsofcoverappropriatelyselectedbycustomer

Which Risk Groups are available? Riskgroupchosenrelatestotheclient’spreferenceofinsurancecover:

• Orange-Lowerlimitsofcover,applicabletotheadditionalbenefitssections.Lowerpremiums

• Purple-Higherlimitsofcover,applicabletotheadditionalbenefitssections.Higherpremiums

What product lines are standalone? • Car

• Homecontents

• Buildings

Alloftheseareavailableinpurpleandorange

What is a service offering? Automaticallyincludedinallpolicies

• Emergencyassistance–atnoadditionalcosttothecustomer

• CarandHomeEmergencyAssistance-atnoadditionalcosttothecustomer

• HomeandConvenienceDrive

What does a bundle mean? • Benefitsnotautomaticallyincluded

• Optionalbenefitsbundled

• Additionalpremiumpaid

• Client’schoice

• Alloptionalbenefitsaresubjecttoamaximumofthelimitssetoutinthepolicyschedule

Value-added benefits • Legal

• IDTheftandAssistance

• GeneralPersonalAccident/En-routeCover

Availableonanyofthestandaloneproductsatanadditionalpremium


No-Claim RewardGeneral NCR Home Contents NCR Buildings NCR

AllsectionsexcludingHomesContentsandBuildings

Qualifyingsections:

• Cars

• Motorbikes

• Non-roadvehicles

• Trailers&Caravans

• Watercraft

• Portablepossessions

• Generalpersonalaccident

• Legal

• IDtheftandassistance

• Personalliability

ActivatedonsimultaneousCarcomprehensiveandHomecontentscover

ActivatedonsimultaneousCarcomprehensive,HomecontentscoverandBuildingscover

First36claimfreemonths 10% First24claimfreemonths 10% First72claimfreemonths 100%

Further36claimfreemonths 20% Further24claimfreemonths 10% Further72claimfreemonths 100%

Foreveryfurther36claimfreemonths 20% Foreveryfurther24claimfreemonths 10% Foreveryfurther72claimfreemonths 100%

Important:

• Afterclaimsubmitted,NCRperiodwillrestart

• Toretainperiodbenefityouhavetoreplacetheitemwithin90days

• Startdate–1stpremiumcollection


No-Claim Reward (continued)

General NCR Home Contents NCR Building NCR

Claims under these benefits will not affect the NCR

Car

• Windscreenrepairwithoutreplacement

• Scratchanddentcover

• Tyrecover

Sportingbundle

• Holeinonecover

• Assistanceforrunnersandcyclists

• Emergencymedicalassistance

• Roadsideemergencystabilisationandtransportation

• Inter-hospitaltransfersandmedicalrepatriation

Anylegalclaimexcludinglegalcostbenefit

IDTheftassistanceonly

Anyemergencyassistance


Homebusinessbundle

• VIPConciergeDesk



Homeimprovementbundle

• VIPConciergeDesk



Product Line MatrixCoverforcertainproductsisdependentonothermainproductsbeingtakenout.Forexample,youcan’tqualifyforTrailer&CaravancoverunlessyouhaveaComprehensiveCarorHomeContentspolicywithus.TheproductswithX’sinallcolumnsneedtohaveatleastoneoftheseproductswithus.

MOTOR HOME CONTENTS BUILDING

Motorbikes X

Trailer&Caravan X X

Non-road X X

Watercraft X X

PortablePossessions X

Legal X X X

IDTheftandAssistance X X X

PersonalAccident X X X

PersonalLiability Carhas3rdpartyliability X X

EmergencyAssist X X X

Bundle MatrixCoverforcertainproductsisrequiredwithustobeabletotakeadvantageofourbundles.Forexample,youonlyqualifyfortheguesthousebundleifyouhaveHomeContentsandBuildingcoverandPersonalLiabilitywithus,dependingonwhatyourcoverrequirementsare

CAR MOTORBIKE HOME CONTENTS BUILDING PORTABLE

POSSESSIONS

Off-road X X

ClassicCars X

Guesthouse X X

HomeImprovement X X

Garden and Outdoor X X

HomeBusiness X

Sporting X

| MOTOR


Insured Value Options

Options Available

1. Retail value

• Customerhastheoptiontoincreasetheinsuredvaluebyupto25%ordecreasetheinsuredvaluebyupto15%

2. Financed value

• Paysoutthegreateroftheretailvalueortheoutstandingloanamountatthedateofloss.

• Retailvaluecanalsobeadjustedasabove

3. Specified value

• Ifnoretailvaluecanbedetermined,Hollardmayinsurethevehicleforaspecifiedvalue

• Compulsorycoveroptionforclassiccars

When is a car treated as new?

a. If the car is a total loss, and

• thecustomeristhefirstregisteredownerofthecar;

• thecarislessthan12monthsoldfromthefirstregistrationdate;

• thecarhaslessthan30000kilometresontheodometer;and

• thecustomerinsuredthecarforretailvalueanddidnotincreaseordecreasetheretailvaluebytheadjustmentpercentage

b. Then we will choose any of the following methods to pay the claim:

• Replacethecarwithasimilarnewcar;

• Paythelistpriceofacarthatisthesamemodel;or

• Paythelistpriceofacarthatisasimilarmodel(ifthesamemodelisnotavailable)


CarsTypes of cover available • Comprehensive

• Limited

• ThirdPartyonly

• Long-termstorage

Usage options • Privateorbusinessuse

• Commercialuseexcluded

Cars qualifying for cover • Passenger

• 4x4

• LDV

• PanelVan

• SUV

• Bakkie

• 3500kg

• Minibus

Underwriting required • IfvalueexceedsR1000000

• IfvalueexceedsR2850000,re-insuranceisrequired

Emergency Assist benefits covered • Caraccidentandroadsideemergency

• Homeemergencyeg.calloutofaplumberorlocksmith



Cars (continued)

Comprehensive Cover - covers the insured car for loss or damage caused directly by the specified insureable events

Insured Events Additional Benefits Optional Benefits Optional Bundles

Loss and damage due to:

• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• AttemptedTheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• MaliciousDamage

• AccidentalDamage

• Keys/remotecontrols

• Transitcover

• Windscreen/glassrepair- pre-approve

• Windscreen/glassrepair/replacement-unapproved

• Windscreen/glassreplacement-pre-approvedexcludinghaildamage

• Windscreen/glassreplacement-pre-approvedincludinghaildamage

• Emergencyrepairsafteraccident

• Pre-Approvedtransport,storageandtowing

• Unapprovedtransport,storageandtowing

• Emergencyservices,cleanup &wreckageremoval

• Transfercoverwhenbuyinganewcar*

• Carmodificationsfordisability

* Not available for Orange Risk Group

• Car hire

• Factoryfittedaccessories

• Aftermarketaccessories

• Scratch&Dentcover

• Tyrecover

• Enroutepersonalaccidentcover

Classic Cars

• Rule–insureforspecifiedvalueonly

• Specialconditions–20yearslimitedto10000kmperannum

• Partstemporarilydetached

• Imported parts

• Salvageonclassiccars–20%

• Coverwhilewithadealer

Off-road

• Rule–comprehensivecoveronly

• Specialconditionsforcrossborderservices(Helpline)

• Off-roadand4x4course

• Crossborderbreakdown-additionalcosts

• Breakdownofwinchingequipment

• Crossborderemergencyrepairs

• Crossbordertowingandreturnto SA

• Crossbordercarhire

• Crossborderemergencyaccommodation

• Theftofluggage

• Theftofsparewheelandotheraccessories


Cars (continued)

Limited Cover - covers the insured car for loss or damage caused directly by the specified insureable events

Third party liability included


• Attemptedtheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Transport,towingandstorage • Car hire



• Enroutepersonalaccidentcover

• Notapplicable

Long-Term Storage – only covers the insured’s fully paid up vehicle while it is not being used and while it is stored in a secured place

• Storm

• Wind

• Rain

• Flood

• Snow

• Theft&AttemptedTheft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• Maliciousdamage

• Accidentaldamage

• Notapplicable • Factoryfittedaccessories


• Notapplicable

Third Party Cover -willonlybeavailableforclientswhosecarsarepaidup.Wewillnotcovertheinsuredcarforlossofdamagecauseddirectlybyanyofthespecifiedinsurableevents.Coverislimitedtothirdpartyvehiclesonly


Motorbikes

Motorbike means a motorcycle, scooter, quad or three wheeled vehicle that is registered for use on public or graded roads

Qualifying criteria for cover Notavailableasastandalone,dependentonhavingacarinsuredunderEASY

Types of cover available • Comprehensive

• Thirdparty

• Limited

• Long-termstorage

Usage options • Privateorbusinessuse

• Commercialuseexcluded

Underwriting required IfvalueexceedsR250000

Emergency Assist benefits covered • Caraccidentandroadsideemergency

• Homeemergencye.g.calloutofaplumberorlocksmith



Motorbikes (continued)

Comprehensive Cover - covers the insured car for loss or damage caused directly by the specified insureable events

Insured Events Additional Benefits Optional Benefits Optional Bundle

Lossanddamagedueto:

• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• AttemptedTheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• MaliciousDamage


• Collision


• Transitcover

• Emergencyrepairafteraccident

• Pre-approvedtransport,storageandtowing

• Unapprovedtransport,storageandtowing

• Emergencyservices,cleanup &wreckageremoval



• EnroutepersonalAccidentcover(orangeonly)

Off-road

• Rule–comprehensivecoveronly

• Specialconditionsforcrossborderservices(Helpline)

• Off-roadand4x4course

• Crossborderbreakdown-additionalcosts

• Breakdownofwinchingequipment

• Crossborderemergencyrepairs

• Crossbordertowingandreturnto SA

• Crossbordercarhire

• Crossborderemergencyaccommodation

• Theftofluggage

• Theftofsparewheelandotheraccessories

Limited Cover - covers the insured car for loss or damage caused directly by the specified insureable events

• Attemptedtheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Transport,towingandstorage • Factoryfittedaccessories


• Notapplicable


Motorbikes (continued)

Long-Term Storage -onlycoverstheinsured’sfullypaidupmotorbikewhileitisnotbeingusedandwhileitisstoredinasecureplace

Insured Events Additional Benefits Optional Benefits Optional Bundle

• Storm

• Wind

• Rain

• Flood

• Snow

• Theft&AttemptedTheft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• Maliciousdamage


• Notapplicable • Factoryfittedaccessories


• Notapplicable

Third Party Cover -wewillnotcovertheinsuredmotorbikeforlossofdamagecauseddirectlybyanyofthespecifiedinsurableevents.Coverislimitedtothirdpartyvehiclesonly


Trailers & CaravansA trailer/caravan means an unpowered vehicle designed to be towed by a motor vehicle

Qualifying criteria for cover Notavailableasastandalone,dependentonhavingcarorhomecontentscover

Types of cover available Comprehensive

3rd party cover • Legalliabilityfordamage

• Otherpeopletowingyourtrailer/caravan

• Towingatrailer/caravanthatdoesnotbelongtoyou

• Wherethereisnolegalliability–refertopolicywording

Emergency Assist benefits covered Automaticallyincludedinallpolicies

Vehicles qualifying for cover Unpoweredvehiclesdesignedtobetowedbyamotorvehicle

Underwriting required • Ifolderthan20years

• IfvalueexceedsR250000

Comprehensive Cover - events and benefits



• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• AttemptedTheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• MaliciousDamage



• Transitcover

• Emergencyrepairsafteraccident

• Pre-Approvedtransport,storageandtowing–fullcover

• Unapprovedtransport,storageandtowing–limitedcover

• Emergencyservices,cleanup&wreckageremoval



Notapplicable


Non-road Vehicles

Non-road vehicles are vehicles that are not used for public, prepared or graded private roads and do not need to be registered

Qualifying criteria for cover Notavailableasastandalone,dependantonhavingcarorhomecontentscover


3rd party cover • Legalliabilityfordamage

• Otherpeopledrivingyournon-roadvehicle

• Drivinganon-roadvehiclethatdoesnotbelongtoyou

• Wherethereisnolegalliability

Emergency Assist benefits covered Automaticallyincludedinallpolicies

Vehicles qualifying for cover • GolfCarts •Off-roadquadbikes

• Tractors •Off-roadmotorbikes

• Ride-onlawnmowers


• IfvalueexceedsR250000


Non-road Vehicles (continued)

Comprehensive - events and benefits



• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• AttemptedTheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• MaliciousDamage



• Transitcover

• Pre-approvedtransport,storageandtowing



Notapplicable


Watercraft

A watercraft used for social or pleasure purposes and is less than 8 meters long and only has 1 or 2 motors

Qualifying criteria for cover Notavailableasastandalone,dependentonhavingcarorhomecontents


Long-termstorage

Vehicles qualifying for cover • Sailboats •Rubberducks

• Skiboats •Wetbikes

• Jetskis •Yachts


• Iftheenginesizeexceeds300horsepower

• Abletotravelfasterthan65km/h

• IfthevalueexceedsR200000


Watercraft (continued)

Comprehensive –coversyourwatercraftforlossordamagecauseddirectlybythespecifiedinsuredevents



• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• Attemptedtheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• Maliciousdamage

• Accidentaldamageincludingcollision

• Accidentalloss

• Leakingoroverflowingofgeysers,tanks or pipes

• Impactwithwatercraftbyexternalforces

• Transitcover

• Locatingandassessing

• Emergencyrepairsafteranaccident

• Towingandsalvagecosts

• BringyourwatercraftbacktoSA

• Emergencyservices,cleanupandwreckageremoval

• Motors,sailsandotheraccessories

• Notapplicable


Watercraft (continued)

Long-Term Storage Cover -coversthewatercraftwhileitisnotbeingusedandwhileitisstoredinasecureplace.

Wewillcovertheinsuredwatercraftfortheoptionalbenefitschosen

• Forlossordamagecausedirectlybythespecifiedinsurableeventsexceptforhaildamage



• Storm

• Wind

• Rain

• Flood

• Snow

• AttemptedTheft

• Theft

• Hi-jacking

• Lightning

• Fire

• Explosion

• Earthquake

• MaliciousDamage


• Collision

• Accidentalloss

• Leakingoroverflow

• Impactwithwatercraftbyexternalforces

• Transitcover

• Locatingandassessing

• Emergencyrepairafteranaccident

• Towingandsalvagecosts

• BringyourwatercraftbacktoSA

• Emergencyservices,cleanupandwreckageremoval

• Motors,sailsandotheraccessories

• Notapplicable

| Home Contents


Home ContentsHome contents are goods and products used and stored within a household. It is the tangible and movable personal property placed in the home.


Personal Liability Yes,automaticallyincluded

Emergency Assistance benefits available • Caraccidentandroadsideemergency*



Underwriting required • Ifhomeislessthan200mfromwaterbody

• IfvalueofhomecontentsexceedsR1500000andthereisnobuildingoncover

• Ifhomeisaholidayhomeunoccupiedformorethan60daysperyearwithnoprimaryresidenceoncover

• IfPurpleriskgroupisselected–powersurgeprotectionrequired

*SeeEmergencyandAssistBenefitssection


Home Contents (continued)

Comprehensive - events and benefits



• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• Attemptedtheft

• Theft

• Lightning

• Fire

• Explosion

• Earthquake

• Maliciousdamage

• Accidentalloss


• Impacttoobjectbyexternalforces

• AccidentalDamage*

• Important documents

• Protectionofthehome

• Gifts

• Keys,locksandremotecontrols

• Powersurgetoelectricalgoods

• Propertyofguestsanddomesticemployees

• Spoilingoffoodinfridgeandfreezer

• Laundryontheline

• Theftofitemskeptoutdoors

• Homecontentswhenyoumove–accidentaldamageandfire

• Homecontentswhenyoumove–theft*

• Homecontentsatatemporarylocation–repair/renovation/alteration

• Homecontentsatatemporarylocation–placeofemployment

• Homecontentsatatemporarylocation–holidaydestination

• Propertyofstudentsandscholars*

• Homecontentsintransit

• Newlyboughthomecontents

• Traumacounselling

• Jewelleryandwatches

• AccidentaldamagetoTVsandglass(specifiedvalue)

Home improvement

• Theftofpowertools

Garden & outdoor

• Gardeningequipment,machineryandgenerators

• Gardenfurnitureandplaygroundequipment

Home business

• Officefurniture

• Officeequipment

• Stock in trade

• Stock in transit

• Businessrecordsandelectronicdata

• Legalandcontractualdocuments

• VIPconciergedesk(Helpline)

Guesthouse

• Propertyofpayingguests

Note:HomeContentsandBuildingcoverarecompulsoryforthesebundlestobeapplicable(exceptfortheHomeBusinessbundle)

*NotavailableforOrangeriskgroup

| Portable possesions


Portable Possessions*These items will be covered while they are taken outside the home or carried or worn by the client.


Specified portable possessions categories • Jewellery&watches

• Cellphones&tablets

• Bicycles

• Spectacles&contactlenses

• Caravan,camping&fishingequipment

• Laptops&electronics

• Sportsequipment(excl.bicycles)

• Photographicequipment

• Itemsinabanksafedeposit

• Firearms

• Musicalinstruments

• Motorisedequipment

• Collectables

• Otherportablepossessions

• Mobilityandhearingaids,prostheticsandothermedicaldevices

Insured options • Specifiedportablepossessionsbyitem

• Specifiedportablepossessionsbyvalue

• Unspecifiedportablepossessionsincluding electronics

• Unspecifiedportablepossessionsexcluding electronics

Limits of cover • Specifiedportablepossessionsbyitem–suminsured

• Specifiedportablepossessionsbyvalue-suminsured

• Unspecifiedportablepossessionsincluding electronics–fromR5000to20%ofhomecontentssuminsured,maxofR50000peritem

• Unspecifiedportablepossessionsexcluding electronics–BetweenR5000andR20000,maxR5000peritem

Excesses applicable • Specifiedportablepossessionsbyitem–R500

• Specifiedportablepossessionsbyvalue–R2000

• Unspecifiedportablepossessionsincluding electronics–R2000

• Unspecifiedportablepossessionsexcluding electronics–R1000

Note:AlsoknownasAllRiskcover


Portable Possessions* (Continued)

Insured events Optional Bundles


• Attemptedtheft

• Theft

• Lightning

• Fire

• Explosion

• Maliciousdamage


• Accidentalloss

• Weatherrelateddamage

SPORTING

• Sportsequipmentwhileinuse

• Additionalaccessories

• Holeinonecover

• Vehicleaccessories

• Assistanceforrunnersandcyclists(Helpline)

• Emergencymedicalassistance(Helpline)

• Roadsideemergencystabilizationandtransportation(Helpline)

• Inter-hospitaltransfersandmedicalrepatriation(Helpline)

| Buildings


BuildingsTypes of cover available Comprehensive

Emergency Assistance benefits available • Caraccidentandroadsideemergency*



Buildings qualifying for cover • Outbuildings •Driveways/paths–brick

• Swimmingpools •WallsandFences

• Gatesandgatemotors •TennisCourts

• Aerials •Satellitedishes

• Waterandgas •Tanksandpipes

• Gutters •Electricityandtelephoneconnections

Underwriting required • IfvalueexceedsR10000000forastandardroof

• IfvalueexceedsR5000000–thatchroof

*SeeEmergencyandAssistBenefitssection


Buildings (continued)

Comprehensive Cover – events and benefits



• Storm

• Wind

• Rain

• Flood

• Hail

• Snow

• Attemptedtheft

• Theft

• Lightning

• Fire

• Explosion

• Earthquake

• Maliciousdamage


• Accidentalloss


• Impacttoobjectbyexternalforces

• Alternativeaccommodationorlossofrent

• Protectionofbuilding

• Keys,locksandremotecontrols

• Lossofmeteredwater

• Leakdetectionandrepairs

• Accidentaldamagetoundergroundpublicservices

• Non-moisturerelatedsubsidence

• Fees and costs

• Firedepartmentcharges

• Damagetogeysers

• Renewableenergyequipment

• Moisture-relatedsubsidence

Guest House

• Damagetoguesthouse

Home Improvement

• Alterations,renovations,additionsto the home

• Temporaryremovaloffixtures

• Theftofbuildingmaterialsandfittings

• Greenbuildingcostcover

• VIPconciergedesk(Helpline)

Garden & Outdoor

• Gardenandlandscaping

• Waterpumpsandrelatedequipment

Note:HomeContentsandBuildingCoverarecompulsoryforthesebundlestobeapplicable

| Personal Liability


Personal Liability

Main Cover

Insured events LegalLiabilityfor:

• Accidentaldeath

• Bodilyinjury

• Illness

• Accidentallossof,ordamagetoproperty

• Legalcostsclaimedagainsttheinsured,asperourlimits

• Emergencymedicalexpenses

Additional Benefits

Automatically included benefits • Director’sandofficer’sliability

• Domesticemployee’sliability

• Securitycompaniesandgardenservices

• Tenantsliability

• Wrongfularrest

Optional Bundles

Liability cover attached to bundles Home business

• Homebusinessclient’sliability

Guest House

• Legalliabilitytowardspayingguests

Sporting

• Liabilitywhilstpracticingsport

Available in Purple and Orange

| Emergency and Assist Benefits (available to all EASY clients)


Car accident and roadside emergency assistance

Accident Emergency Conditions *

• CallEasyHelpline

• SubmitClaim

• UnderCar/Motorbikesection

Windscreen & Glass Claims*

• CallEasyHelpline

• Replaceorrepairaccidentallydamagedglass

• Fittedwindows

• Windscreen

• Rearwindow

• Sidewindows

Roadside Emergency Assistance

• WithinthebordersofSA

• Mechanical/Electricalbreakdown

• Calloutfeeiscovered

• 1sthouroflabourcostsarecovered

• 3breakdowntowingeventsforeveryrolling12months

• 3otherroadsideassistanceeventsforeveryrolling12months

Breakdown Towing Services

• Appointtowingoperator

• Towedtothenearestplaceofsafetyorapprovedrepairer

• Afterhoursstorageatsafeplaceuntilofficehours

* Only available subject to having Comprehensive or Limited Car Cover


Car accident and roadside emergency assistance (continued)

Towing Elsewhere

• Willtowtorepairerofyourchoice

• Similardistancefree

• Extramileageforyouraccount

Flat Tyre Assistance

• Inflatedsparetyretobeinstalled

• Ifnot,towingwillbeprovided

Battery Jumpstart

• Appointserviceprovider

• Ifnotabletojumpstart,towingwillbeprovided

Car Lockout Service

• Appointlocksmith

• Intheeventofkeysbeinglostorstolen,aclaimneedstobesubmittedundertheadditionalbenefitscategory

Emergency Fuel Delivery

• Limitedfueldelivered

• Fuelcostforyouraccount

• Cash or card

• Adviseagentofpreferredpaymentmethod

Trip Interruption

• Exceeding100kmfromhomeandtherepairerkeepsthevehicle/motorbikeovernight

• Car hire or accommodation

• AccommodationtothevalueofR500


Home and Convenience DriveHome Drive

• Yourcar

• Booking

• SMS–drivernameandcellno.

• Backupdriver

• CompulsoryComprehensiveCarCover

• Additional excess may apply if the driver is under a certain age in the event of a claim

• Additionalpassengersdependentonvehiclecapacity

Convenience Drive

• Our car

• Booking

• Anyreason

• Familyuse

• Upto3additionalpassengers

Available in the following cities

• Johannesburg

• CapeTown

• PortElizabeth

• Durban

• Bloemfontein

• Kimberley

• Pretoria

• George

• EastLondon

• Nelspruit

• Polokwane

Additional passengers

• Noofadditionalpassengersisdependentonthesizeofthecar

• Noextracost

• Same address

Cost

• 6freetripsperyear

• First50kmfree

• Additionalandlongertripsforpolicyholdersownaccount

Bookings

• CallEASYAssistHelpline

• Theservicecanbeprovidedanytimeoftheday,bookingscanbemadeanytimeexceptbetween02:00and06:00whentheHelplinewillbeclosed

• Youwillbenotifiedwhenyourdriverarrives

• Driverwillwaitforamaximumof15minutesafterwhichthetripwillbecancelledanditwillcountasatripused

• If trip is cancelled less than an hour prior to collection time, it will count as a trip used


Home emergency assistance

Conditions

• WithinbordersofS.A

• Call-outfeeand1sthourlabourcostscovered

• 5calloutsperrolling12months

Mobile notification of your call

• SMS updates

• CaseManager

• ReferenceNumber

• ServiceProvider

• Arrivaltime

• Changestocase

Plumbing failures

• Burstgeysers

• Burstwaterpipes

• Faultytaps,mixers,toiletcisterns

• Openingofdrains

• Valves,elements,thermostats,vacuumbreakers

• Emergencygeyseroverflow,valvescausinglossofwater

Electrical failures

• Distributionboards,circuits,maincables

• Earth-leakage

• Geyserconnections

• Plugpoints

• Lightfittings

• Lightningstrikesonwires

• Multipleburntconnections

• Allelectricalmotors


Home emergency assistance (continued)

Glass breakage

• Serviceprovidertoassist

Locksmith requirements

• Openingofdoorstomainentrance–keyslockedinside

• Replacingofdoorlocks

• Openingofdoorsinsidehouse

Other services

• Duringdaylighthours

• Treefellers

• Bee keepers

• Pestcontrollers

• Foremergenciesonly

• Securityguards

Emergency services

• SAPS

• Trafficservices

• Firebrigade

• Ambulanceservices

• Security

• Anyotheremergencyserviceprovider

Panic SOS• Messagesenttocallcentre

• Callback

• Noanswer–callback4timesafterevery60seconds.On4thtimeleaveavoicemessageandsendasms

• Locateyou–Only available on MTN and Vodacom networks

| Value-Added Benefits


Legal

Main Cover

Legal Advice LegalAdviceHelplineisalegalassistanceservicethatisprovidedbylawyers,legalconsultantsandacademics.Itisavailable24/7,365daysayear,viatheassisthelpline.Legalassistanceisprovidedforpersonalmattersonly.Businessmattersareexcluded.

Itincludes:

• Legaladvice

• Freestandardlegaldocuments

• Free30minutelegalconsultation

• Freeletterofdemand

• Findanattorney

Optional Benefits

Legal Costs Civilandlabourmatters–customerwillbereferredtoasuitableattorneyandwillbecoveredforlegalcostsduringcivilorlabourproceedingsuptoR30000.

Road Accident Fund recoveries ThisbenefitensuresthatvictimsofcaraccidentshaveimmediateaccesstoaneffectiveRoadAccidentFundclaimsmanagementsystem.

Pothole damage recovery Assiststhecustomertorecover100%ofthemoneythattheyhavepaidtorepairdamagetotheircaroritstyresthatwerecausedbypotholesorroadworks.

Licence renewal and fines payment assistance Thecustomerwillbenotifiedoflicencerenewalsandfines,andwewillprovideachannelforrenewalandpaymentthereof.


ID Theft and Assistance

Main Cover

Types of cover • Legalcost–identitytheft

• Lostincome

• Paymenttocreditors

• Other costs

Additional Benefits

Assistance benefits • IDAssist

• DocumentAssist

• Crime Assist

General Personal AccidentTypes of cover

Main benefits • Death

• Permanentdisability

• Disappearance

Additional benefits

Benefits • Medicalexpenses

• Traumacounselling

• Lifesupportmachinery

• Mobilitycover

• Rehabilitationcosts

• Search and rescue

• Emergencytransportationcost

• Returnofinjuredperson

• Returnofbody

Service benefits • Trauma&HIVAssistHelpline

Optional benefit • Rentalcarexcesscover

The information provided in this training pack is current and correct at the time of printing. However should any inaccuracy, error and/or omission arise, all training delegates will be informed either verbally and/or electronically

Hi My Name Is

Pete

Hi My Name IsPete


Contact Information

Email General: [email protected]

Claims: [email protected]

Complaints:[email protected]

EASY Assist Helpline Direct:0860123EASY(3279)

Intermediary:0860321EASY(3279)

Off-road bundle Cross-border services:0102115720

Panic SOS Speed dial on cellphone:*120*880*4844#

SMART – Scratch and dent Tel:0860103319

Fax:0164237032

Complaints: [email protected]

Claim expert - Legal Tel:0100018090

Complaints: [email protected]

Ombudsman for Short Term Insurance Tel:0117268900

Fax:0117265501

Email: [email protected]

FAIS Ombudsman Tel:0127625000

Fax:0867641422

Web: www.faisombud.co.za


home • car • business • life • investmentsThe Hollard Insurance Co. Ltd (Reg No 1952/003004/06) is an Authorised Financial Services Provider

www.hollard.co.za

Date post:	21-Jun-2018
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Product Guide - Hollard · oard as Product Guide V 7 No-Claim Reward ... Emergency Assist benefits...

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