Q&A

Product related
Question:	Does the applicant need to be bowls player?
Answer:	Yes, this policy has been uniquely designed specifically for bowlers and the premiums are based on the excellent risk profile of bowlers as a group.

Question:	What makes this product different to any other? What is in it for me?
Answer:	It is underwritten by Zurich who is one of the giants in the insurance industry with a reputable track record. Free all risks cover for your bowls and accessories to the value of R8000 in total per family We reward you for a perfect 8 or 9 - R1000 in official club and R2000 in district/national competitions. Free car hire for 30 days if your vehicle is stolen or written-off We guarantee your premiums won't increase for the first 12 months. Legal access policy covering your legal expenses up to R10 000 for only R10.00 per month. Funeral cover of R10 000 for your family. DataSave - store and protect your cell phone numbers for free. Access to Perfect Delivery Assist, 24/7 hotline that will provide you with Motor accident assistance Medical assistance Legal assistance Household assistance

Question:	What kind of legal expenses are covered under the legal plan?
Answer:	Drafting of legal documentation, Wills, Trusts. Ante nuptial contracts, divorce, criminal proceedings and labour matters.

Question:	Is there additional cover available under the legal plan?
Answer:	Yes, you can upgrade your cover to R20 000 at R25.00 per month, R40 000 at R40.00 per month and R70 000 at R70.00 per month.

Question:	What benefits do the clubs and districts get?
Answer:	A % of the statutory commission that we receive as broker from the insurer on every policy goes to your club and district. This does not affect the premium that you pay as it gets deducted of the commission that we as broker receive.

Question:	Can I just take out the benefits of this product?
Answer:	No, as the benefits are included with the cover of your short term insurance policy.

Claims Related
Question:	Should I have a claim after hours, how do I go about it?
Answer:	Contact our Perfect Delivery Assist hotline on 0800 111 557 or our after hours number on 071 449 6255; we will assist you as best we can until be can.

Question:	What happens if I have a claim?
Answer:	Contact our Perfect Delivery Assist hotline on 0800 111 557 or our after hours number on 071 449 6255; we will assist you as best we can until be can.

Question:	Do you have a panel of panel beaters?
Answer:	Yes, only for the Pretoria and Johannesburg regions. Please refer to the "Preferred Repairer List" on the "Claims" page.

Question:	How do I claim for a windscreen?
Answer:	You can go to any Glassfit centre. Provide them with your contact details and policy number and they will assist you immediately. Go to the "Claims" page for a list of Glassfit centres in your area.

Question:	What is an excess?
Answer:	That is your first amount payable when you submit a claim. For a complete breakdown of all the excesses please see your policy schedule or select the "Excess Structure" button on the "Claims" page.

Question:	What does average mean?
Answer:	This is an insurance principle that will be applied at the time of a claim, resulting in a smaller amount being received by the policyholder than the value of the loss. This only happens when you are under insured. You will receive an amount proportionate to the share you have insured. For example: if you choose to only insure 50% of your home contents, then only 50% of your claim will be paid.

Question:	How soon will my claim be settled?
Answer:	Please contact our claims department on 0860 999 666 or visit the customer care page to view our Service Level Agreement. This binds us to settle claims within a set time frame. The time frame differs for every type of claim.

Policy Related
Question:	What payment methods can be used to pay my premium?
Answer:	All our telephone calls are voice recorded, therefore you provide us with your banking details and we submit a debit order for the first working day of every month to collect your premium. We also confirm this in writing when sending out your policy document and schedule.

Question:	I am a pensioner will I get a discount on my policy?
Answer:	We don't differentiate between pensioners and non pensioners, however policyholders over the age of 50 years will benefit by having NO excess and a better premium.

Question:	Can I insure only my vehicle or only my house or only my home contents and still enjoy the benefits of the free bowls bag and accessories cover?
Answer:	Yes, as the benefits of the Perfect Delivery policy are not limited to a package policy.

Question:	I am not comfortable taking out insurance telephonically?
Answer:	All our calls are voice recorded and this will: Ensure that we provide you with the cover requested. Ensure that you receive the level of service that you are entitled to. Do away with the endless paperwork, normally associated with taking out insurance Also, our consultants are highly skilled and will put you at ease immediately and the cover you need can be arranged in the comfort of your own home and we will mail all relevant documentation to you immediately.

Question:	How do I know what value to insure my building, contents of my home or my vehicle for?
Answer:	Please contact 0861 999 888 or go to the "How to" button for instruction on how to calculate your insured value. You may also contact us to arrange a valuator or risk surveyor to do a valuation for you.

Question:	What items do I have to specify on my policy?
Answer:	All items that you remove from your home on a regular basis, like cell phones, contact lenses, bicycles, firearms, motor radios, portable radio's / CDs / DVD players and jewelry.

Question:	Am I covered for money lost or stolen?
Answer:	Yes, your policy covers you for R3000 under your All Risks section as well as R3000 under your Home Contents section.

Question:	Yes, your policy covers you for R3000 under your All Risks section as well as R3000 under your Home Contents section.
Answer:	Your policy does not provide cover if a claim occurs when you commit a criminal offence.

General
Question:	Is there a branch near me?
Answer:	Our head office is situated in Johannesburg, although we have a representative in most of the big cities in the country. Please contact 0861 999 888 for details or go to the "Contact us" page.

Question:	old must my children be to still have their vehicles insured under my policy?
Answer:	Less than 21 years, or if your child is financially dependent on you as a parent and you have a financial interest in their property (in other words, you stand to lose financially if something was to happen to their property / vehicle) then we will be able to insure that property under your policy.

Question:	What is the difference between burglary and theft?
Answer:	Burglary = Theft WITH visible signs of forced entry and / or exit to the property. Theft = something stolen WITHOUT visible signs of forced entry and / or exit.

Question:	Why use a reputable broker instead of going direct?
Answer:	* As your broker we have over many years formed a relationship with a reputable insurer (Zurich SA, previously SA Eagle) and therefore we have a lot more leverage to negotiate premiums, excesses and claims than an individual. * We have the knowledge to assist and inform you on any problems you might have and we can act on your behalf to establish the best cover for your needs at the best price available. * When dealing with a reputable broker such as Perfect Delivery you know that you are guaranteed of personal and professional service - NO CALL CENTRES. * By using an established, well known insurer such as Zurich SA, who is one of the largest insurers in South Africa, you have the peace of mind that you are covered by the best.

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