FSP Solutions (FSP 7889) launches:
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1 FSP Solutions (FSP 7889) launches: Home Protect Underwritten by: Santam Insurance 6/25/2015
2 Product Training
3 BACKGROUND This product had been developed in response to the Financial Sector Charter s recommendation to the insurance industry to improve access to the lower end of the market by insurers. Santam adhered to the call and developed a low cost housing insurance product. The new product Santam MultiHome otherwise known as Home Protect for FSP Solutions
4 HOME & HOUSEHOLD
5 6/25/2015
6 WHAT IS COVERED? Covers household goods and possessions inside belonging to policy holder or a family residing in the same house. Cover includes SASRIA and Public Liability sections. 6/25/2015
7 GENERAL UNDERWRITING CRITERIA The main building of the insured property must be of standard construction (brick building with tile / corrugated roof). NOT ACCEPTABLE ACCEPTABLE
8 GENERAL UNDERWRITING CRITERIA Official zoned Informal settlements where informal settlements are concerned, the property that is to be covered must be on land the government has made available for this purpose.
9 GENERAL UNDERWRITING CRITERIA What is covered = Loss or damage to the BUILDINGS AND/OR CONTENTS caused by: Fire, lightning and explosion Theft Storm, water, wind, hail, snow and flood.
10 SPECIAL CONDITIONS REGARDING THEFT Limited to a maximum of 10% of the sum insured and no more than two claims in a 12-month period. e.g. Contents sum insured = R The maximum settlement per claim is therefore R2 000 (10% of R20 000). Max 2 theft claims in a twelve month period.
11 Home and Household Insurance (Quick notes) On a first loss basis (no average applies) No scientific underwriting Includes Sasria + Public Liability (up to R ) Flat excess payable Theft limited to maximum 10% sum insured per event and no more than 2 claims in a 12 month period Policy holder must be owner of house/building ensured and must live in address where contents are insured Insures a standard Building Construction house must have brick walls and roof must be either tiled, asbestos or corrugated iron.
12 EXCLUSIONS What is covered Loss or damage to property up to the sum insured for the following perils: Fire, lightning and explosion *Theft (Limited to 10% of sum insured) Storm, wind, water, hail, snow and flood SASRIA Liability What is not covered Demolition by authorities Animals Cellular phones Computer equipment Jewellery with a value more than R1 500 Rent Locks and keys Money Coins Goods in the open
13 WHAT IS NOT COVERED No cover for any vehicles. You are welcome to call FSP Solutions call centre at and enquire about the stand-alone MultiMotor product.
14 FREE COVER Riot and strike (SASRIA) No excess payable Cover any act or attempt calculated or directed to overthrow the government; that will bring about loss or damage to further any political aim; or to bring about any riot, strike or public disorder. the act of a lawful authority in managing any occurrence referred to above.
15 FREE COVER Public liability Limit R100,000 / no excess payable Cover The insured s liability due to fire for accidental loss or damage to surrounding properties or compensation for accidental death or bodily injury to any person. Damage to surrounding properties
16 Building Section Premiums BUILDING SECTION OPTIONS BUILDING COVER UP TO MONTHLY PREMIUM Option 1 R 40,000 R 21 Option 2 R 60,000 R 28 Option 3 R 80,000 R 34 Option 4 R 100,000 R 40 Option 5 R 125,000 R 47 Option 6 R 150,000 R 63
17 Household/Contents Section Premiums OPTIONS CONTENTS SECTION BUILDING COVER UP TO MONTHLY PREMIUM Option 1 R 15,000 R 29 Option 2 R 20,000 R 38 Option 3 R 25,000 R 47 Option 4 R 30,000 R 55 Option 5 R 40,000 R 73 Option 6 R 60,000 R 107 Option 7 R 80,000 R 141 Option 8 R 100,000 R 175 Option 9 R 125,000 R 216 Option 10 R 150,000 R 257
18 Personal Protection Plan Personal Accident Insurance ( Can not be sold as a stand alone) Is a value added benefit to be taken out with the Home and Household policy. This policy consist of: Personal Accident Insurance and Legal Expense Insurance* Conditions: Personal Protection Plan cover must be sold with Home and /or Household Insurance, can not be done as a stand alone. Customer can choose any of the protection plan covers to be added to their Home and Household Insurance for an additional premium based on level of cover. *Legal Insurance can be sold as a standalone product
19 Personal Accident Premiums Cover options Monthly Premium 0 R 5,000 R R 6,000 R R 7,000 R R 8,000 R R 9,000 R R 10,000 R R 11,000 R R 12,000 R R 13,000 R R 14,000 R R 15,000 R6.00
20 FURTHER UNDERWRITING CRITERIA CONTENTS Does someone come to my house to determine the insured amount I need? Unfortunately not The broker must advise the client properly on what is covered and what not and how to make sure that the client is insured correctly.
21 GENERAL UNDERWRITING CRITERIA FIRST LOSS BASIS NB. No average applies. Policies are issued on a first loss basis. What does it mean? Insured amount for contents is R Actual value amounts to R Santam will pay out an amount of R and you will be liable for the difference of R8 000.
22 GENERAL UNDERWRITING CRITERIA BUILDINGS The same principle regarding first loss applies. NB. The insured must be the owner of the house if the buildings section is taken.
23 EXCESSES (first amount payable when a claim is settled) Excesses are implemented to ensure that very small claims are prevented which can lead to higher premium. If an excess applies to certain sections of your policy it will be noted in your policy contract and/or printed schedule. Excess payable = 1% of each and every claim with a minimum of R50. Example: Fire destroys house & contents. Insured amount: House R Contents R Total claim R Excess R 800 (1% of claim not section)
24 PAYMENTS OF PREMIUM Cover period: first - to - the last calendar day of the month. Only full monthly payments except pro rata portion on first debit order Administration of the policy will be handled by FSP Solutions as normal
25 PAYMENTS OF PREMIUM What happens if I miss a payment? If a debit order is rejected by the bank we give you grace until the following month s collection where we ll tender the outstanding premium with the following months premium If both of these payments go through the policy will continue as usual. If only one goes through, the oldest debt will be paid and the latest premium will be outstanding If both are rejected we will unfortunately have to cancel your policy If a policy is cancelled, a new policy will have to be issued if the insured wishes to do so. Any stop payment done by the client, will cancel the policy automatically
26 SETTLEMENT OF CLAIMS Santam has the option to: Replace/reinstate Repair Cash payment (money transferred into the client s bank account) Or a combination of the above Claims will be handled Santam directly Tel number for claims: (Santam) Tel number for policy admin: (FSP Solutions)
27 ASSESSMENT OF A CLAIM It depends on the specific situation and the way the claim will be settled. An assessor can be appointed to determine the damage / settlement Claims negotiator in the event of smaller claims. A builder and/or other suppliers (assistance to the assessor)
28 LEGAL INSURANCE
29 THE PRODUCT
30 Unique Features Why would you buy this cover? > Immediate Access to Legal advice = Protection & Peace of mind > Family matters including divorce, custody and maintenance matters > Identity Theft including rescission of Judgements and Credit > Defence against charges in criminal litigation > Civil legal action by or against you > Disputes in labour courts > Bail Applications > Most comprehensive service in RSA > Up to R per year of legal services > Legal representation in the High and Magistrate s Courts nationwide
31 Legal Insurance Premiums Legal Insurance Premiums Monthly premium Cover Limits Benefit on family matters R R 35,000 R10,500 per family and R5,250 per spouse event R R 60,000 R24,000 per family and R12,000 per spouse event R R 100,000 R30,000 per family and R15,000 per spouse event
32 HOW THE PRODUCT WORKS *Have your ID Number and policy number available
33 HOW DO WE PLACE THE BUSINESS Quote can be obtained via FSP Solutions system in the normal way of doing business Use your current broker username and password Click on Santam Home Protect Complete all the questions and quote Discuss options with client Accept electronically OR Obtain application form from our website / Products Personal Lines / Santam / Home Protect Application Form 6/25/2015
34 Quote Online / Telephonically / Acceptance to Link Lead created for Underwriting ELD Application received via To be noted on spreadsheet. Spreadsheet to be Monitored by manager to ensure that all applications are captured on system application to underwritehome@fspsolutions.com Capture full underwriting on Myriad Scan signed application In on policy Voicelog Policy schedule and activation SMS send to client and broker Activation on Myriad Capture full underwriting on Myriad
35 HAPPY SELLLING! For any questions, please us on Or contact your broker consultant Or phone us on /25/2015
36 THANK YOU
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