With 2008 well under way, we bring you some pointers to ensure that the balance of the year runs smoothly. 

As claims are becoming more evident in the insurance industry, we wish to remind policy holders of their obligations.

Household Contents 
Ensure that you are adequately insured, as averages will be applied with regard to claims in this section of your policy.

Theft must always be accompanied by forcible, visible and violent means of exit or entry to the premises.  Items which are lost / mislaid or pinched without the above conditions applying, will not be eligible for cover under your house content insurance.

Should your policy include an alarm warranty clause, you are liable to ensure that your alarm is armed at all times when the premises are left unoccupied or when you turn in for bed at night.  It remains the policy holders responsibility to ensure that the alarm is in working condition.

SABS Lightning protector plugs must be installed for protection of electronic items / appliances, to safeguard against lightning damage.

NB:  No provision is made for power surge or load-shedding damage under your insurance policy.

All Risks
General items, if insured and removed from the residence / insured address, is limited to a claim value of R1000-00 per item to the maximum value insured.  The following items must be specified to ensure cover.

Cellphones & carkits
Pedal cycles
Sporting equipment
Laptops
Glasses (prescription & sunglasses) with a value exceeding  R500.
Photographic equipment
Baby carseats & prams
Jewellery with a value exceeding R1000.
Non-factory fitted vehicle radios.

Item / s stolen from an unattended vehicle will not be covered unless the item /s  is / was concealed and out of sight, in either a locked boot or locked cubbyhole, at the time of the theft.

On the 14th of March 2008, the Gordon’s Bay and Natal branches were joint winners of Sapcor’s prestigious “Branch of the Year competition”, with a prize of R50 000.  

Both branches were serious contenders and were awarded this prestigious accolade jointly, based on evaluation criteria which included growth and claims ratio’s.

Glasfit Secure Tint is currently promoting a limited special offer of 25% discount on the normal retail price of smash & grab film.  Glasfit Secure Tint Pty (Ltd.) was established in 2003 to service the ever expanding security needs of the Glasfit customer base.  The company fits safety and security film to vehicles, buildings and homes and the procu range spans from 100 micron safety films to 375 micron bullet resistant security laminates.  Glasfit is the only safety film company to be approved by three vehicle manufacturers, namely BMW, General Motors and Ford SA.  They also do OEM work for Toyota, Honda, Renault, Land Rover and Hyundai. 

Glasfit offers the following package:

• National network of well-trained and certified technicians.
• The highest rated Safety & Security films in the world.  For more information visit  www.securetint.com.
• A lifetime warrantee on all films.
• Centralised billing and Call Centre facilities.
• A well established and trusted brand.

Volkswagen Citi Golfs

Volkswagen Citi Golf’s rank as sought after vehicles with a high theft risk.  Should you be considering buying a VW Citi Golf, you are advised to ensure that adequate security is installed.  A Tracking Recovery System is now a requirement and must be installed in the following vehicles.

Citi Blues, Citi Deco, Citi Chico 1.3, Citi Chico 1.3 LUX, Citi Sonic 1.3, Citi Chico 1.4, Citi Rhythm 1.4, Citi, Chico 1.4i, Citi Com1.4i, Velociti 1.4i, Chico 1.4, Citi Rhythm 1.4, Citi 1.4i, Velociti 1.4i, Citi Chico 1.6i, Citi Life 1.6i, Velociti 1.6i, Citi 1.6i, Velociti 1.6i, Citi R-Line

Should any of the above vehicles be insured and a tracking device not be fitted, theft cover will be suspended.

If you are not resident in a 24-hour guarded security estate, you are reminded that your vehicle should be parked behind locked gates or in a locked garage at your risk address, between 18h00 and 06h00.

Should your vehicle be fitted with a tracking device, ensure that the device is tested and inspected every 6 months, so as to ensure that the device is in a working order.

Sapcor must be notified if any children under the age of 25 years have become regular drivers of any of the vehicles on your policy.

Ensure your vehicle security complies to the requirements set out in your policy schedule.

Understand the use of your vehicle

Private Use:                Domestic, social, pleasure excluding business &  professional purposes. Travel to                                       and from your work or office is included.

Business Use:           The use of a vehicle to do business, like representatives and marketers.

Commercial Use:      Cover is not included under your personal policy.  This is defined as the conveyancing of goods for trade purpose, ie.  Building contractors.

On a lighter note, Sapcor Charity Club elected to support various Childrens Homes which are in dire need of both funds and goods.

• In December, a donation of soccer balls was made as a Christmas gift for all the boys residing at Durbanville Kinderhuis in Cape Town.
• A donation was also made to “Ebenauser” in Pretoria West to contribute to the pocket and spending money for 33 children going on holiday.
• Various items of clothing and childrens toys was also donated to the needy in Silverton Pta.