Hollard Easy Product Guide V1 2

Transcription

1 Product Guide

2 Hollard Easy Product Guide V1 2

3 CONTENTS 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 Home contents Portable possessions Buildings Personal liability Emergency and assist benefits Value-added benefits Contact information 43 Hollard Easy Product Guide V1 3

4 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.

5 Introduction to Hollard Easy What is Hollard Easy? A short term insurance product Core offering with a buy-up option Add-on bundles available Option to customise cover Aimed at both lower and higher limits of cover appropriately selected by customer Which Risk Groups are available? Risk group chosen relates to the client s preference of insurance cover: Orange - Lower limits of cover, applicable to the additional benefits sections. Lower premiums Purple - Higher limits of cover, applicable to the additional benefits sections. Higher premiums What product lines are standalone? Car Home contents Buildings All of these are available in purple and orange What is a service offering? Automatically included in all policies Emergency assistance at no additional cost to the customer Car and Home Emergency Assistance - at no additional cost to the customer Home and Convenience Drive What does a bundle mean? Benefits not automatically included Optional benefits bundled Additional premium paid Client s choice All optional benefits are subject to a maximum of the limits set out in the policy schedule Value-added benefits Legal ID Theft and Assistance General Personal Accident/En-route Cover Available on any of the standalone products at an additional premium Hollard Easy Product Guide V1 5

6 No-Claim Reward General NCR Home Contents NCR Buildings NCR All sections excluding Homes Contents and Buildings Qualifying sections: Cars Motorbikes Non-road vehicles Trailers & Caravans Watercraft Portable possessions General personal accident Legal ID theft and assistance Personal liability Activated on simultaneous Car comprehensive and Home contents cover Activated on simultaneous Car comprehensive, Home contents cover and Buildings cover First 36 claim free months 10% First 24 claim free months 10% First 72 claim free months 100% Further 36 claim free months 20% Further 24 claim free months 10% Further 72 claim free months 100% For every further 36 claim free months 20% For every further 24 claim free months 10% For every further 72 claim free months 100% Important: After claim submitted, NCR period will restart To retain period benefit you have to replace the item within 90 days Start date 1st premium collection Hollard Easy Product Guide V1 6

7 No-Claim Reward (continued) General NCR Home Contents NCR Building NCR Claims under these benefits will not affect the NCR Car Windscreen repair without replacement Scratch and dent cover Tyre cover Sporting bundle Hole in one cover Assistance for runners and cyclists Emergency medical assistance Roadside emergency stabilisation and transportation Inter-hospital transfers and medical repatriation Claims under these benefits will not affect the NCR Home business bundle VIP Concierge Desk Any emergency assistance Claims under these benefits will not affect the NCR Home improvement bundle VIP Concierge Desk Any emergency assistance Any legal claim excluding legal cost benefit ID Theft assistance only Any emergency assistance Hollard Easy Product Guide V1 7

8 Product Line Matrix Cover for certain products is dependent on other main products being taken out. For example, you can t qualify for Trailer & Caravan cover unless you have a Comprehensive Car or Home Contents policy with us. The products with X s in all columns need to have at least one of these products with us. Motorbikes MOTOR HOME CONTENTS BUILDING Trailer & Caravan X X Non-road X X Watercraft X X Portable Possessions X Legal X X X ID Theft and Assistance X X X Personal Accident X X X Personal Liability Car has 3rd party liability X X Emergency Assist X X X Bundle Matrix Cover for certain products is required with us to be able to take advantage of our bundles. For example, you only qualify for the guesthouse bundle if you have Home Contents and Building cover and Personal Liability with us, depending on what your cover requirements are Off-road X X CAR MOTORBIKE HOME CONTENTS BUILDING PORTABLE X POSSESSIONS Classic Cars X Guesthouse X X Home Improvement X X Garden and Outdoor X X Home Business X Sporting X Hollard Easy Product Guide V1 8

9 MOTOR

10 Insured Value Options Options Available 1. Retail value Customer has the option to increase the insured value by up to 25% or decrease the insured value by up to 15% 2. Financed value Pays out the greater of the retail value or the outstanding loan amount at the date of loss. Retail value can also be adjusted as above 3. Specified value If no retail value can be determined, Hollard may insure the vehicle for a specified value Compulsory cover option for classic cars When is a car treated as new? a. If the car is a total loss, and the customer is the first registered owner of the car; the car is less than 12 months old from the first registration date; the car has less than kilometres on the odometer; and the customer insured the car for retail value and did not increase or decrease the retail value by the adjustment percentage b. Then we will choose any of the following methods to pay the claim: Replace the car with a similar new car; Pay the list price of a car that is the same model; or Pay the list price of a car that is a similar model (if the same model is not available) Hollard Easy Product Guide V1 10

11 Cars Types of cover available Comprehensive Long-term storage Limited Third Party only Usage options Private or business use Commercial use excluded Cars qualifying for cover Passenger LDV SUV 4x4 Panel Van Bakkie Underwriting required If value exceeds R If value exceeds R , re-insurance is required Emergency Assist benefits covered Car accident and roadside emergency Home emergency eg. call out of a plumber or locksmith Home and Convenience Drive 3500kg Minibus Hollard Easy Product Guide V1 11

12 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: Keys/remote controls Car hire Classic Cars Storm Wind Rain Flood Hail Snow Attempted Theft Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious Damage Accidental Damage Transit cover Windscreen/glass repair - pre-approve Windscreen/glass repair/ replacement - unapproved Windscreen/glass replacement - pre-approved excluding hail damage Windscreen/glass replacement - pre-approved including hail damage Emergency repairs after accident Pre-Approved transport, storage and towing Unapproved transport, storage and towing Emergency services, clean up & wreckage removal Transfer cover when buying a new car* Factory fitted accessories Aftermarket accessories Scratch & Dent cover Tyre cover En route personal accident cover Rule insure for specified value only Special conditions 20 years limited to km per annum Parts temporarily detached Imported parts Salvage on classic cars 20% Cover while with a dealer Off-road Rule comprehensive cover only Special conditions for cross border services (Helpline) Off-road and 4x4 course Cross border breakdown - additional costs Breakdown of winching equipment Cross border emergency repairs Car modifications for disability Cross border towing and return to SA Cross border car hire Cross border emergency accommodation * Not available for Orange Risk Group Theft of luggage Theft of spare wheel and other accessories Hollard Easy Product Guide V1 12

13 Cars (continued) Attempted theft Theft Hi-jacking Lightning Fire Explosion Storm Wind Rain Flood Snow Limited Cover - covers the insured car for loss or damage caused directly by the specified insureable events Third party liability included Insured Events Additional Benefits Optional Benefits Optional Bundles Transport, towing and storage Car hire Factory fitted accessories Aftermarket accessories En route personal accident cover Not applicable 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 Theft & Attempted Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious damage Accidental damage Not applicable Factory fitted accessories Aftermarket accessories Not applicable Third Party Cover - will only be available for clients whose cars are paid up. We will not cover the insured car for loss of damage caused directly by any of the specified insurable events. Cover is limited to third party vehicles only Hollard Easy Product Guide V1 13

14 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 Not available as a standalone, dependent on having a car insured under EASY Types of cover available Comprehensive Third party Limited Long-term storage Usage options Private or business use Commercial use excluded Underwriting required If value exceeds R Emergency Assist benefits covered Car accident and roadside emergency Home emergency e.g. call out of a plumber or locksmith Home and Convenience Drive Hollard Easy Product Guide V1 14

15 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 Loss and damage due to: Keys/remote controls Factory fitted accessories Off-road Storm Transit cover Aftermarket accessories Rule comprehensive cover only Wind Emergency repair after accident Enroute personal Accident cover Special conditions for cross (orange only) border services (Helpline) Rain Pre-approved transport, storage and towing Off-road and 4x4 course Flood Unapproved transport, storage Cross border breakdown - Hail and towing additional costs Snow Emergency services, clean up Breakdown of winching & wreckage removal equipment Attempted Theft Cross border emergency repairs Theft Cross border towing and return Hi-jacking to SA Lightning Cross border car hire Fire Cross border emergency accommodation Explosion Theft of luggage Earthquake Theft of spare wheel and other Malicious Damage accessories Accidental Damage Collision Attempted theft Theft Hi-jacking Lightning Fire Explosion Limited Cover - covers the insured car for loss or damage caused directly by the specified insureable events Transport, towing and storage Factory fitted accessories Aftermarket accessories Not applicable Hollard Easy Product Guide V1 15

16 Motorbikes (continued) Long-Term Storage - only covers the insured s fully paid up motorbike while it is not being used and while it is stored in a secure place Storm Wind Rain Flood Snow Insured Events Additional Benefits Optional Benefits Optional Bundle Theft & Attempted Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious damage Accidental damage Not applicable Factory fitted accessories Aftermarket accessories Not applicable Third Party Cover - we will not cover the insured motorbike for loss of damage caused directly by any of the specified insurable events. Cover is limited to third party vehicles only Hollard Easy Product Guide V1 16

17 Trailers & Caravans A trailer/caravan means an unpowered vehicle designed to be towed by a motor vehicle Qualifying criteria for cover Not available as a standalone, dependent on having car or home contents cover Types of cover available Comprehensive 3 rd party cover Legal liability for damage Other people towing your trailer/caravan Towing a trailer/caravan that does not belong to you Where there is no legal liability refer to policy wording Emergency Assist benefits covered Automatically included in all policies Vehicles qualifying for cover Unpowered vehicles designed to be towed by a motor vehicle Underwriting required If older than 20 years If value exceeds R Comprehensive Cover - events and benefits Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Keys/remote controls Factory fitted accessories Not applicable Storm Transit cover Aftermarket accessories Wind Emergency repairs after accident Rain Flood Hail Snow Attempted Theft Pre-Approved transport, storage and towing full cover Unapproved transport, storage and towing limited cover Emergency services, clean up & wreckage removal Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious Damage Accidental Damage Hollard Easy Product Guide V1 17

18 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 Not available as a standalone, dependant on having car or home contents cover Types of cover available Comprehensive 3 rd party cover Legal liability for damage Other people driving your non-road vehicle Driving a non-road vehicle that does not belong to you Where there is no legal liability Emergency Assist benefits covered Automatically included in all policies Vehicles qualifying for cover Golf Carts Off-road quad bikes Tractors Off-road motorbikes Ride-on lawnmowers Underwriting required If older than 10 years If value exceeds R Hollard Easy Product Guide V1 18

19 Non-road Vehicles (continued) Comprehensive - events and benefits Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Keys/remote controls Factory fitted accessories Not applicable Storm Transit cover Aftermarket accessories Wind Rain Pre-approved transport, storage and towing Flood Hail Snow Attempted Theft Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious Damage Accidental Damage Hollard Easy Product Guide V1 19

20 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 Not available as a standalone, dependent on having car or home contents Types of cover available Comprehensive Long-term storage Vehicles qualifying for cover Sail boats Rubber ducks Ski boats Wet bikes Jet skis Yachts Underwriting required If older than 20 years If the engine size exceeds 300 horsepower Able to travel faster than 65km/h If the value exceeds R Hollard Easy Product Guide V1 20

21 Watercraft (continued) Comprehensive covers your watercraft for loss or damage caused directly by the specified insured events Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Storm Transit cover Locating and assessing Motors, sails and other accessories Not applicable Wind Rain Flood Hail Snow Attempted theft Emergency repairs after an accident Towing and salvage costs Bring your watercraft back to SA Emergency services, clean up and wreckage removal Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious damage Accidental damage including collision Accidental loss Leaking or overflowing of geysers, tanks or pipes Impact with watercraft by external forces Hollard Easy Product Guide V1 21

22 Watercraft (continued) Long-Term Storage Cover - covers the watercraft while it is not being used and while it is stored in a secure place. We will cover the insured watercraft for the optional benefits chosen For loss or damage cause directly by the specified insurable events except for hail damage Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Storm Transit cover Locating and assessing Motors, sails and other accessories Not applicable Wind Rain Flood Snow Attempted Theft Emergency repair after an accident Towing and salvage costs Bring your watercraft back to SA Emergency services, clean up and wreckage removal Theft Hi-jacking Lightning Fire Explosion Earthquake Malicious Damage Accidental Damage Collision Accidental loss Leaking or overflow Impact with watercraft by external forces Hollard Easy Product Guide V1 22

23 Home Contents

24 Home Contents Home contents are goods and products used and stored within a household. It is the tangible and movable personal property placed in the home. Types of cover available Comprehensive Personal Liability Yes, automatically included Emergency Assistance benefits available Car accident and roadside emergency* Home emergency eg. callout of a plumber or locksmith Home and Convenience Drive Underwriting required If home is less than 200m from water body If value of home contents exceeds R and there is no building on cover If home is a holiday home unoccupied for more than 60 days per year with no primary residence on cover If Purple risk group is selected power surge protection required *See Emergency and Assist Benefits section Hollard Easy Product Guide V1 24

25 Home Contents (continued) Comprehensive - events and benefits Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Storm Accidental Damage * Important documents Accidental damage to TVs and glass (specified value) Home improvement Theft of power tools Wind Protection of the home Garden & outdoor Rain Flood Hail Snow Attempted theft Theft Lightning Fire Explosion Earthquake Malicious damage Accidental loss Leaking or overflow Impact to object by external forces Gifts Keys, locks and remote controls Power surge to electrical goods Property of guests and domestic employees Spoiling of food in fridge and freezer Laundry on the line Theft of items kept outdoors Home contents when you move accidental damage and fire Home contents when you move theft * Home contents at a temporary location repair/renovation/ alteration Home contents at a temporary location place of employment Home contents at a temporary location holiday destination Property of students and scholars * Gardening equipment, machinery and generators Garden furniture and playground equipment Home business Office furniture Office equipment Stock in trade Stock in transit Business records and electronic data Legal and contractual documents VIP concierge desk (Helpline) Guesthouse Property of paying guests Note: Home Contents and Building cover are compulsory for these bundles to be applicable (except for the Home Business bundle) Home contents in transit Newly bought home contents Trauma counselling Jewellery and watches * Not available for Orange risk group Hollard Easy Product Guide V1 25

26 Portable possesions

27 Portable Possessions* These items will be covered while they are taken outside the home or carried or worn by the client. Types of cover available Comprehensive Specified portable possessions categories Jewellery & watches Laptops & electronics Cellphones & tablets Sports equipment (excl. bicycles) Bicycles Photographic equipment Spectacles & contact lenses Items in a bank safe deposit Caravan, camping & fishing Firearms equipment Insured options Specified portable possessions by item Specified portable possessions by value Unspecified portable possessions including electronics Unspecified portable possessions excluding electronics Limits of cover Specified portable possessions by item sum insured Specified portable possessions by value - sum insured Musical instruments Motorised equipment Collectables Other portable possessions Mobility and hearing aids, prosthetics and other medical devices Unspecified portable possessions including electronics from R5000 to 20% of home contents sum insured, max of R per item Unspecified portable possessions excluding electronics Between R5 000 and R20 000, max R5 000 per item Excesses applicable Specified portable possessions by item R500 Note: Also known as All Risk cover Specified portable possessions by value R2000 Unspecified portable possessions including electronics R2000 Unspecified portable possessions excluding electronics R1000 Hollard Easy Product Guide V1 27

28 Portable Possessions* (Continued) Insured events Optional Bundles Loss and damage due to: Attempted theft Theft Lightning Fire Explosion Malicious damage Accidental damage Accidental loss SPORTING Sports equipment while in use Additional accessories Hole in one cover Vehicle accessories Assistance for runners and cyclists (Helpline) Emergency medical assistance (Helpline) Roadside emergency stabilization and transportation (Helpline) Inter-hospital transfers and medical repatriation (Helpline) Weather related damage Hollard Easy Product Guide V1 28

29 Buildings

30 Buildings Types of cover available Comprehensive Emergency Assistance benefits available Car accident and roadside emergency* Home emergency eg. callout of a plumber or locksmith Home and Convenience Drive Buildings qualifying for cover Outbuildings Driveways/paths brick Swimming pools Walls and Fences Gates and gate motors Tennis Courts Aerials Satellite dishes Water and gas Tanks and pipes Gutters Electricity and telephone connections Underwriting required If value exceeds R for a standard roof If value exceeds R thatch roof * See Emergency and Assist Benefits section Hollard Easy Product Guide V1 30

31 Buildings (continued) Comprehensive Cover events and benefits Insured Events Additional Benefits Optional Benefits Optional Bundles Loss and damage due to: Storm Wind Rain Flood Hail Snow Attempted theft Theft Lightning Fire Explosion Earthquake Alternative accommodation or loss of rent Protection of building Keys, locks and remote controls Loss of metered water Leak detection and repairs Accidental damage to underground public services Non-moisture related subsidence Fees and costs Fire department charges Damage to geysers Renewable energy equipment Moisture-related subsidence Guest House Damage to guest house Home Improvement Alterations, renovations, additions to the home Temporary removal of fixtures Theft of building materials and fittings Green building cost cover VIP concierge desk (Helpline) Garden & Outdoor Garden and landscaping Water pumps and related equipment Malicious damage Accidental damage Accidental loss Leaking or overflow Impact to object by external forces Note: Home Contents and Building Cover are compulsory for these bundles to be applicable Hollard Easy Product Guide V1 31

32 Personal Liability

33 Personal Liability Main Cover Insured events Legal Liability for: Accidental death Bodily injury Illness Accidental loss of, or damage to property Legal costs claimed against the insured, as per our limits Emergency medical expenses Additional Benefits Automatically included benefits Director s and officer s liability Domestic employee s liability Security companies and garden services Tenants liability Wrongful arrest Optional Bundles Liability cover attached to bundles Home business Home business client s liability Guest House Legal liability towards paying guests Sporting Liability whilst practicing sport Available in Purple and Orange Hollard Easy Product Guide V1 33

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

35 Car accident and roadside emergency assistance Accident Emergency Conditions * Call Easy Helpline Submit Claim Under Car/Motorbike section Windscreen & Glass Claims* Call Easy Helpline Replace or repair accidentally damaged glass Fitted windows Windscreen Rear window Side windows Roadside Emergency Assistance Within the borders of SA Mechanical/Electrical breakdown Call out fee is covered 1st hour of labour costs are covered 3 breakdown towing events for every rolling 12 months 3 other roadside assistance events for every rolling 12 months Breakdown Towing Services Appoint towing operator Towed to the nearest place of safety or approved repairer After hours storage at safe place until office hours * Only available subject to having Comprehensive or Limited Car Cover Hollard Easy Product Guide V1 35

36 Car accident and roadside emergency assistance (continued) Towing Elsewhere Will tow to repairer of your choice Similar distance free Extra mileage for your account Flat Tyre Assistance Inflated spare tyre to be installed If not, towing will be provided Battery Jumpstart Appoint service provider If not able to jump start, towing will be provided Car Lockout Service Appoint locksmith In the event of keys being lost or stolen, a claim needs to be submitted under the additional benefits category Emergency Fuel Delivery Limited fuel delivered Fuel cost for your account Cash or card Advise agent of preferred payment method Trip Interruption Exceeding 100km from home and the repairer keeps the vehicle/motorbike overnight Car hire or accommodation Accommodation to the value of R500 Hollard Easy Product Guide V1 36

37 Home and Convenience Drive Home Drive Your car Booking SMS driver name and cell no. Convenience Drive Our car Booking Available in the following cities Johannesburg Cape Town Port Elizabeth Durban Bloemfontein Kimberley Additional passengers No of additional passengers is dependent on the size of the car No extra cost Cost 6 free trips per year First 50km free Bookings Call EASY Assist Helpline The service can be provided anytime of the day, bookings can be made anytime except between 02:00 and 06:00 when the Helpline will be closed Back up driver Compulsory Comprehensive Car Cover Additional excess may apply if the driver is under a certain age in the event of a claim Any reason Family use Pretoria George East London Nelspruit Polokwane Same address Additional and longer trips for policyholders own account You will be notified when your driver arrives Additional passengers dependent on vehicle capacity Up to 3 additional passengers Driver will wait for a maximum of 15 minutes after which the trip will be cancelled and it will count as a trip used If trip is cancelled less than an hour prior to collection time, it will count as a trip used Hollard Easy Product Guide V1 37

38 Home emergency assistance Conditions Within borders of S.A Call-out fee and 1st hour labour costs covered 5 callouts per rolling 12 months Mobile notification of your call SMS updates Case Manager Reference Number Service Provider Arrival time Changes to case Plumbing failures Burst geysers Burst water pipes Faulty taps, mixers, toilet cisterns Opening of drains Valves, elements, thermostats, vacuum breakers Emergency geyser overflow, valves causing loss of water Electrical failures Distribution boards, circuits, main cables Earth-leakage Geyser connections Plug points Light fittings Lightning strikes on wires Multiple burnt connections All electrical motors Hollard Easy Product Guide V1 38

39 Home emergency assistance (continued) Glass breakage Service provider to assist Locksmith requirements Opening of doors to main entrance keys locked inside Replacing of door locks Opening of doors inside house Other services During daylight hours Tree fellers Bee keepers Pest controllers For emergencies only Security guards Emergency services SAPS Traffic services Fire brigade Ambulance services Security Any other emergency service provider Panic SOS Message sent to call centre Call back No answer call back 4 times after every 60 seconds. On 4 th time leave a voice message and send a sms Locate you Only available on MTN and Vodacom networks Hollard Easy Product Guide V1 39

40 Value-Added Benefits

41 Legal Main Cover Legal Advice Optional Benefits Legal Costs Road Accident Fund recoveries Pothole damage recovery Licence renewal and fines payment assistance Legal Advice Helpline is a legal assistance service that is provided by lawyers, legal consultants and academics. It is available 24/7, 365 days a year, via the assist helpline. Legal assistance is provided for personal matters only. Business matters are excluded. It includes: Legal advice Free standard legal documents Free 30 minute legal consultation Free letter of demand Find an attorney Civil and labour matters customer will be referred to a suitable attorney and will be covered for legal costs during civil or labour proceedings up to R This benefit ensures that victims of car accidents have immediate access to an effective Road Accident Fund claims management system. Assists the customer to recover 100% of the money that they have paid to repair damage to their car or its tyres that were caused by potholes or roadworks. The customer will be notified of licence renewals and fines, and we will provide a channel for renewal and payment thereof. Hollard Easy Product Guide V1 41

42 Hi My Name Is ID Theft and Assistance Pete Hi My NameIs Pete Main Cover Types of cover Legal cost identity theft Lost income Payment to creditors Other costs Additional Benefits Assistance benefits ID Assist Document Assist Crime Assist General Personal Accident Types of cover Main benefits Death Permanent disability Disappearance Additional benefits Benefits Medical expenses Trauma counselling Life support machinery Mobility cover Rehabilitation costs Service benefits Trauma & HIV Assist Helpline Optional benefit Rental car excess cover Search and rescue Emergency transportation cost Return of injured person Return of body 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 Hollard Easy Product Guide V1 42

43 Contact Information General: Claims: EASY Assist Helpline Direct: EASY (3279) Intermediary: EASY (3279) Off-road bundle Cross-border services: Panic SOS Speed dial on cellphone: *120*880*4844# SMART Scratch and dent Tel: Fax: Complaints: Claim expert - Legal Tel: Complaints: compliance@claimexpert.co.za Ombudsman for Short Term Insurance Tel: Fax: info@osti.co.za FAIS Ombudsman Tel: Fax: Web: Hollard Easy Product Guide V1 43

44 home car business life investments The Hollard Insurance Co. Ltd (Reg No 1952/003004/06) is an Authorised Financial Services Provider Hollard Easy Product Guide V1 44