KGANYA KOLOI R275 CAR INSURANCE ONLY / PASSENGERS / 3RD PARTY 3RD PARTY Z ION C HRISTIAN C HURCH ONLY EACH MONTH. Sept V4

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1 ONLY R275 EACH MONTH INSURANCE FOR YOUR CAR ACCIDENT or STOLEN CAR INSURANCE ONLY / PASSENGERS / 3RD PARTY Z ION C HRISTIAN C HURCH KGANYA KOLOI + PASSENGERS DEATH + DISABILITY + 3RD PARTY DAMAGE + DEATH + DISABILITY Kganya Insurance Administrators (Pty) Ltd (RF) is an authorised financial services provider FSP Kganya Koloi is underwritten by Centriq Insurance Company Limited :00-16:00 Monday to Friday English Sept V4

2 Message by His Grace the Right Reverend Bishop Dr BE Lekganyane As an active Trustee and Director of Kganya Benefits Fund Trust and the Kganya Group of Companies, I remain keenly interested in their activities as a major service organisation to Zion Christian Church. The Kganya Group celebrated its 28th anniversary in March of Zion Christian Church has celebrated over 100 years of existence and this is indeed a remarkable era for both organisations. I have come to the realisation that much has been achieved from very humble beginnings and both the Kganya Group and Church Officials must be commended for the manner in which they continue to be of service to you the individual member and loyal follower of Zion Christian Church. I exhort the Kganya Group to continue to execute its mandate for the benefit of the congregation. I also urge you, as the ZCC member, to continue proving your loyalty and to freely make use of the many real benefits that the Kganya Group has to offer you. These are benefits that make a positive difference in the life of each member and as the Leader of the Church I remain comfortable that Church Leadership is doing everything in its power to ensure that members of the Church do not suffer unnecessarily. Under my direction the Kganya Group will continue to develop products and projects that are of benefit to members of the Church. These products must at all times reflect the unity that we feel as members of the Church. They must always be dignified and must serve a real purpose in ensuring the prosperity of our members. I will always have the final say on what product I would deem suitable to the membership of the Church. Under my direction Kganya will continue to serve members of the Church. This organisation has been developed by Church Leadership for the benefit of membership of the Church. It is therefore of the Church for the Church and will always be in the service of the Church. The employees of Kganya are fully aware of the role that they fulfil on my behalf and as such you can expect to be respectfully dealt with at all times. I would also urge you to deal with our employees respectfully at all times. Kgotso a e ebe le lena His Grace the Right Reverend Bishop Dr BE Lekganyane

3 CAR INSURANCE ONLY CAR INSURANCE ONLY VEHICLE - Accident or Stolen You must be a ZCC member PASSENGERS - Death & Disability Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, RD PARTY - Damage + Death + Disability Kganya Koloi is insurance for your car, bakkie or 4x4 ACCIDENT if your car is damaged in an accident THEFT TOTAL WRITE-OFF PASSENGERS 3rd PARTY TOWING WINDSCREEN DAMAGE HAIL DAMAGE GETTING QUOTES if your car is stolen if your car cannot be repaired if you or your passengers are killed or disabled for DAMAGE to property of and/or INJURY to a 3rd PARTY (Pedestrian, Driver and/or Passenger of the car) following an accident and for mechanical and electrical breakdown if your windscreen or side glass needs to be replaced caused by political riots or another person caused by hail stones We will compensate you R300 for getting your own quotes Read this pamphlet to see how Kganya Koloi protects you, your passengers and your car! :00-16:00 Monday to Friday

4 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 Who can apply for this insurance? Motor Insurance for ZCC Members There is no waiting period. Cover is in place once the first premium is paid and does not include pre-existing damages. How will we protect you? We will pay you up to: ACCIDENT if your car is damaged in an accident R maximum THEFT if your car is stolen R maximum TOTAL WRITE-OFF if your car cannot be repaired R maximum PASSENGERS 3rd PARTY TOWING WINDSCREEN if your passengers are killed or permanently disabled for DAMAGE and INJURY to a 3rd PARTY (other car and/or property) Following a motor vehicle accident For mechanical and electrical breakdown only. (One claim per year) if your windscreen and/or sideglass needs to be replaced R maximum (R per passenger) R maximum R5 000 maximum R2 000 maximum Approved safety glass. R5 000 maximum DAMAGE caused by political riots or another person R maximum HAIL DAMAGE caused by hail stones R maximum GETTING QUOTES We will pay your expenses to get quotes. If your claim is approved. R 300 NO CLAIM BONUS This is a reward paid to you if you have paid all your premiums and not claimed for 2 years. 2

5 INSURANCE FOR YOUR CAR ACCIDENT or STOLEN PASSENGERS DEATH + DISABILITY 3RD PARTY + + EACH MONTH DAMAGE + DEATH + DISABILITY ONLY R275 KGANYA KOLOI How much do I pay? First month: R25 for the Kganya Koloi Premium Payment Book + R275 for the insurance (cover) Every month: R275 for the cover Remember You must be the registered owner of the vehicle, the vehicle must be registered in South Africa and you must be the regular driver All drivers must have a valid driver s licence The car must be for PRIVATE use only You can register 1 car on your policy You must report a theft and or accident to the police station within 2 days You can carry a maximum of 4 passengers, including children The car must be roadworthy at all times You must pay every month to be covered You must pay R275 premium every month at your church branch What is my excess? The excess is the money you have to pay first, before your claim is paid to you by Kganya Koloi. YOU PAY (Minimum) R1 500 R2 000 No excess No excess R 500 No excess for damage to your car from an accident if your car is stolen if the 3rd party, (other car) has damage or injury if the passengers in your car are injured if your windscreen glass needs to be replaced for towing following mechanical or electrical breakdown 3

6 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 Who can apply for this insurance? Motor Insurance for ZCC Members How do I Apply? How do I apply for Kganya Koloi? Step 1 Read this Kganya Koloi brochure to understand how we will protect you and your car. There is no charge for this brochure. Step 2 Then you can talk to a Church official at your Church branch. He has been trained to help you with information only. He is not permitted to advise you on whether or not you must take the insurance. Step 3 If you are satisfied that you want to take Kganya Koloi Motor Insurance, the Church official will help you. Step 4 You will sign a contract with the Insurance Company. A contract is made when two or more people agree to do something. This contract will be in writing and will consist of: An application form to be completed by you. The policy wording which explains what you are protected for and what you are not protected for. The Church Official will help you complete all the documents and you will pay the premiums to the Church Official. You will pay R275 every month. The Church Official will give you a receipt, which will be glued into your Kganya Koloi Premium Payment Book. All of these documents will make up your contract. Please keep them in a safe place. How do I claim? You must report any accident involving your vehicle to the South African Police within 48 hours of the accident. After you report the accident, please get an Accident Report number from the SAPS station where you reported the accident. You must submit a claim in writing to us within 30 days of the incident. You can contact Kganya, where the claim process will be explained to you. All claims documents must be posted to: Policyholder Services Kganya Insurance Administrators (Pty) Ltd (RF) P O Box 394 Rivonia 2128 or to claimsps@kganya.co.za Phone us on: between 08:00 and 16:00 Monday to Friday only. 4

7 INSURANCE FOR YOUR CAR ACCIDENT or STOLEN PASSENGERS DEATH + DISABILITY 3RD PARTY + + EACH MONTH DAMAGE + DEATH + DISABILITY ONLY R275 KGANYA KOLOI You are not insured for the following: damage to tyres caused when you apply the brakes of the car too hard punctures in tyres caused by potholes cuts or bursts in tyres except when this happens from an accident causing other damage to your car your car getting old or rusting if the inside of the car is torn or gets wet and rots if your car has electrical problems (You are covered for towing only) if your car breaks down because of engine failure (You are covered for towing only) if the engine or any other mechanical parts wear out and it has to be repaired or rebuilt damage to your car if the car is not roadworthy if your car has been taken away from you legally by the South African Police or the Traffic Police. if your car is used for business. storage fees, deregestration costs or any other related or similar charges We will not pay for damage to the car that is NOT from an accident. Please remember that we cannot pay for the maintenance of your car. The Kganya Koloi insurance is for damage from an accident ONLY. Kganya Koloi does not arrange for the recovery of your vehicle if it gets stuck next to the road or is involved in an accident. This is your responsibility and once you have done so you will claim from us. REMEMBER: Towing is limited to R5000 for accidents and R2000 for mechanical breakdown NO TAXI MOTORBIKE PRIVATE TAXI OR OR OR CAR FOR BUSINESS OR SCHOOL TRANSPORT 5

8 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 IMPORTANT POLICY INFORMATION: 1. The policy wording: A contract is when two people agree to do something together. The policy with the application form is a contract. Kganya Insurance Administrators have taken time to explain how the contract works in the policy. The only way that you will become familiar with this contract is if you read it carefully when taking out a Kganya Koloi policy. Upon taking out a Kganya Koloi policy, please read the contract carefully and if there is anything you do not understand you are free to contact us on for assistance with any queries or questions that you may have. Our trained staff will assist you in a courteous and professional manner at all times and will endeavour to assist you with any queries that you may have, taking the utmost care to ensure that you are satisfied with the outcome. It is our duty to treat customers with fairness and respect and we wish to extend a friendly request that you please also offer the same courtesy to operators assisting you with your queries. 2. Important policy conditions which could impact your claims: Vehicles can only be insured to a maximum of R on Kganya Koloi. This means that we will only pay up to R for your vehicle. However, please note that if the market value of your vehicle is less than R60 000, you will only be covered for the amount that your vehicle is valued at on the date of inception of your policy. For example, if your vehicle is valued at R25 000, this would be the maximum amount that you will receive (the insured amount). The agreed value will remain the same for as long as you are insured with Kganya Koloi. This means at time of claim, the value of your vehicle will be the same as when you started your insurance policy. For the purpose of a clear understanding, let s evaluate on the following examples: Your vehicle is worth R You have a total loss, i.e. your vehicle cannot be repaired. You claim from Kganya. Kganya only insures your vehicle for a maximum of R Therefore, if your claim is accepted, Kganya will pay you only R Your vehicle is worth R You have a total loss, i.e. your vehicle cannot be repaired. You claim from Kganya. Kganya only has your vehicle insured for the market value of R This is the maximum amount for which your vehicle could have been insured. Kganya will therefore pay you R upon acceptance of your claim. 6

9 INSURANCE FOR YOUR CAR ACCIDENT or STOLEN PASSENGERS DEATH + DISABILITY 3RD PARTY DAMAGE + DEATH + DISABILITY ONLY R EACH MONTH KGANYA KOLOI IMPORTANT POLICY INFORMATION: IMPORTANT: This product is unsuited to vehicles valued at a higher amount than the Maximum Cover amount offered on the policy. What to do when I have an incident and want to claim? The approval of Kganya Koloi claims depends greatly on the policyholders themselves. Meaning that if the policyholders, at the time of loss, make sure that they complete the correct documentation and obtain the adequate repair quotations, a claim decision can be made timeously. It stands to reason that the policyholder who has suffered the loss is the only person who has full detail of that loss. Kganya Insurance Administrators cannot make assumptions about what damage has been caused and therefore cannot pay a claim until it knows exactly what has happened. It is the policyholder s responsibility to ensure that Kganya Insurance Administrators receives as much information as possible about the loss to be able to be of assistance. When you have a claim: 1. Please inform your Church Committee. 2. Request a Kganya Koloi claim form. 3. Please complete it in as much detail as possible. 4. The Church Committee must sign the form in the required section. 5. The Church must confirm that you are of good standing. 6. The Church Committee must confirm that you have suffered a loss and have had an incident. 7. Gather all of the required supporting documents listed on the claim form. Once you have all of the supporting documents listed on the claim form which are required to process your claim, these are the steps you must take: 1. Tear off the proof of submission section of the claim form and keep this page. 2. Attach the documentation to the claim form. 3. Either hand in the claim documentation at your Church branch or at a Kganya Service Centre. You may also the claim form directly to Kganya Insurance Administrators using the above address. 4. Keep copies of the claim form and supporting documentation until your claim is settled. We may request further information or documentation during the processing of your claim as deemed necessary. If you have any queries or require further information, please phone Kganya Insurance Administrators to speak to a trained consultant. There is no rule that says the policyholder may not contact Kganya Insurance Administrators offices directly for policy or claim queries. The Church Committees may not prevent you from contacting Kganya Insurance Administrators directly. 7

10 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 IMPORTANT POLICY INFORMATION: Kganya Insurance Administrators may be contacted as follows: Call Centre contact number : address : claimsps@kganya.co.za Kganya Service Centres : Nationwide IMPORTANT: Please note that if you have not heard back from Kganya Insurance Administrations within 10 working days following your claim submission, it is recommended that you phone Kganya Insurance Administrators to ensure that the paperwork has indeed been received by our offices. Your duties as the claimant: It is your duty to be familiar with what you may claim for by reading your policy carefully. It is your duty to provide all of the required documentation in order for us to process your claim. It is also your duty to submit your claim on time. It is your duty to follow up on your claim after submission and not that of your Church Committee. Important things to remember when you claim: 1. Good standing: Kganya Koloi has been especially created for members of Zion Christian Church. It therefore stands to reason that the policyholder must be in good standing with his or her Church. This is one of the rules of the Church as well as the policy. Remember that if you are suspended by your Church for any reason you will no longer be able to pay premiums and you will not be covered under the Kganya Koloi policy. Kganya Insurance Administrators cannot intervene in this matter in any way as you have broken one of the policy rules by being suspended. You will prove your good standing when the Church official signs your claim form so it is important that you obtain their signatures on the claim form. 2. First amount payable for accident damage: There is a first amount payable for every claim made by you. These amounts are clearly indicated within the Annexure contained in the Premium Payment Book which forms part of the policy documentation. Any claims below this amount will not be considered by Kganya Insurance Administrators. 8

11 INSURANCE FOR YOUR CAR ACCIDENT or STOLEN PASSENGERS DEATH + DISABILITY 3RD PARTY DAMAGE + DEATH + DISABILITY ONLY R EACH MONTH KGANYA KOLOI IMPORTANT POLICY INFORMATION: 3. You can only claim for what is damaged: You can only claim for what is damaged as a result of an accident that happened after you were insured with us. We will not consider claims for old damages under any circumstances. If an item can be repaired, we have the right to insist on repairs rather than replacing of parts. 4. Quotes from repairers: Part of the claims process is that you must obtain your own quotations for repairs. In the event we approve your claim, we will pay you an additional R300 to compensate you for this preparation of claim documentation. When obtaining a quote from a repairer it must clearly state what the damages are on the vehicle, as well as what it will cost the repairer to fix the accident related damages on the vehicle. We require at least two quotations for all damages or losses for which you are claiming. IMPORTANT: We reserve the right to ask for alternate quotations if we find the amounts claimed for are too high or damage is inconsistent with photographic evidence provided. 5. Photographs of damage: You must always ensure that colour photographs, clearly showing the vehicle and all damages incurred, accompany your claim. 6. Proof of Banking details: It is an important requirement that you provide us with proof of banking details (bank statement) when submitting claim documentation to us as we cannot process payment without this document. 7. Late submission of claims: The rule of the policy contract is that you must report a claim within 30 days of it happening. Kganya Insurance Administrators cannot consider a claim if it happened more than 30 days prior. Please report your claims immediately after the incident occurred to ensure that no parties involved are prejudiced in any way. 9

12 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 IMPORTANT POLICY INFORMATION: 8. Theft claims: We will only pay theft claims if the vehicle is stolen and not recovered. You have an excess of R if the vehicle is stolen. We will not pay for parts of the vehicle that have been stolen, including but not limited to, the battery, wheel rims, radios and sound systems. We will require the keys of the vehicle when you submit your claim. IMPORTANT: If your vehicle is stolen and not recovered, it is your responsibility to de-register the vehicle and settle any outstanding license fees. You must notify us if the vehicle is ever recovered. 9. Third Party Damages: Please note that we cannot pay any funds for Third Party Damages to you, the policyholder, directly. Third Party claimants must be referred to our offices where payment of damages will be negotiated. We will not pay any Third Party damages if a claim was not successfully approved for the Kganya Koloi policyholder s own damage prior to the receipt of the Third Party claim being received. 10. Items not covered under the policy: Please take note that the following items are not covered under your policy: Any costs relating to maintenance, mechanical and/or electrical parts failure or breakdowns. Motor bikes, bicycles, trucks, taxis, trailers and any vehicles used in sports events or car races. Contents in your vehicle like clothing, jewellery like rings, earrings, watches, chains, cell phones, cameras, ipads, ipods, computers, laptop or portable radios and fitted radios and other peoples property. 10

13 INSURANCE FOR YOUR CAR ACCIDENT or STOLEN PASSENGERS DEATH + DISABILITY 3RD PARTY DAMAGE + DEATH + DISABILITY ONLY R EACH MONTH KGANYA KOLOI IMPORTANT POLICY INFORMATION: REMEMBER: The more information you are able to give us at time of claim, the quicker we can attend to finalising the claim. If we do not have enough or correct information this will cause delays within the process. You are only covered under the policy if you pay your premium every month. You must be the registered owner of the vehicle you are insuring as well as the regular driver of the vehicle. A copy of your Vehicle Registration Certificate must be submitted with all claims and the details on the certificate must correspond with your policy information in order for your claim to be considered valid. You as the policyholder as well as anyone else driving the insured vehicle must have a valid driver s license. The vehicle must be roadworthy at all times. The vehicle must be for private use only and you may not transport more than five non fare paying passengers in the car at any one time, including the driver. This includes both adults and children. No matter how small they may be, children are still considered passengers. The damage to the vehicle must be as a result of an accident. We cannot pay for maintenance of your vehicle. You must report any incident involving your vehicle, no matter the extent of the damage, to the SAPS within 48 hours of the accident. Please obtain an Accident Report number and a copy of the report, where possible, from the SAPS station where you reported the accident. Should you be dissatisfied with the manner in which your claim was handled or with the decision on your claim, you can make contact with the various channels of escalation. In the event that you take out a Kganya Koloi policy, please refer to the information contained at the back of the Premium Payment Book under the heading Statutory Disclosure. This information is current information and we suggest that you read this entire document as this is evidence of your rights. OTHER IMPORTANT POLICY INFORMATION: Non-Permanent Injuries: In the event that you or a passenger in your vehicle are injured as a result of an accident but not permanently disabled, you will be able to claim for certain nonmedical expenses limited to a maximum lump sum amount of R5 000 per annum. 11

14 CAR INSURANCE ONLY CAR INSURANCE ONLY Z ION C HRISTIAN C HURCH Premium Payment Book KGANYA KOLOI Vehicle Insurance Plan VA His Grace The Right Reverend Bishop Dr B E Lekganyane Headquarters: Zion City Moria, P O Box 1, Boyne, 0728 IMPORTANT POLICY INFORMATION: To qualify for this benefit: Injuries incurred during the vehicle accident must be non-permanent in nature (permanent disability cover is a separate policy benefit under Kganya Koloi). An injured passenger must have been taken to hospital and treated for the nonpermanent injury. Claims for non-permanent injuries will only be considered after the successful settlement of any applicable Road Accident Fund claim. Only non-medical expenses incurred as a result of hospitalisation will be considered and will be limited to an amount of R5 000 per annum. Such expenses may include, as examples, travel costs, administrative costs, subsistence costs and lost wages and must be directly related to the non-permanent injury incurred during the vehicle accident, which resulted in hospitalisation. Please note that hospitalisation means at least one overnight stay in a medical facility. IMPORTANT: This is not a medical scheme and the cover is not the same as for a medical scheme. This policy benefit is not a substitute for medical scheme membership. The information contained herein reiterates only a few of the important facts to remember when taking out a Kganya Koloi policy. We again urge you to please read the Kganya Koloi policy wording very carefully and familiarize yourself with all of the terms and conditions of the policy. We wish to thank you for your interest and trust that the above information will provide clarity on many aspects concerning Kganya Koloi. Please contact the call centre during office hours on with any questions or queries. 12

15 Physical Address Postal Address Telephone & Fax Number Polokwane 26 General Joubert Street, Polokwane 0699 Pretoria 1249 Francis Baard Street, Hatfield 0083 Johannesburg 1st Floor, 357 Rivonia Boulevard Rivonia, 2128 Rustenburg Office No. 1, Five EFS Building Cnr Berg & Oliver Tambo Street Rustenburg, 0299 Thohoyandou Office No. 2, Ndou Mall Cnr Tshanduka & Thulamela Street Thohoyandou, 0950 Nelspruit 509 Kamkholo Building, 5th Floor Cnr Brown & Voortrekker Street Nelspruit, 1200 Private Bag X9542 Polokwane, 0700 P O Box Hatfield, 0028 P O Box 2876 Rivonia, 2128 P O Box 7145 Rustenburg, 0300 P O Box 218 Thohoyandou, 0950 P O Box Nelspruit, 1200 Tzaneen 19 Danie Joubert Street, Tzaneen, 0850 P O Box 3494 Tzaneen, 0850 Burgersfort Office No 1, 1st Floor Maphutha Ditshaba Building Cnr Eddie and Church Street Burgersfort, 1150 Welkom 1st Floor, ABK Centre, Heeren Street Welkom, 9460 P O Box 3079 Burgersfort, 1150 P O Box 795 Welkom, 9460 ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax ( Fax Kganya Service Centres Vryburg Office No. 3, Wie-Cla Centre Cnr Market & Molopo Street Vryburg, 8600 Giyani Shop No. 28, Masingita Plaza Cnr Malamulele & Main Rds, Giyani, 0826 P O Box 769 Vryburg, 8600 P O Box 4275 Giyani, 0826 ( Fax ( Fax Mokopane Office No. 16 & 17, 42 Retief Street Mokopane, 0601 P O Box 502 Mokopane, 0600 ( Fax Groblersdal 7 Kruger Street, Ext 2, Groblersdal 0470 P O Box 1438 Groblersdal, 0470 ( Fax Klerksdorp Room 311A, Danfor Medical Centre Jersich Street No. 1, Klerksdorp, 2571 P O Box Flamwood Walk, 2535 ( Fax Mthatha Office No 8, LCM Ludidi Building 63 Madeira Street, Mthatha, 5099 P O Box 562 Mthatha, 5099 ( Fax Bushbuck Ridge Bushbuckridge Shopping Centre Office No. 6A Cnr Main Bushbuckridge & Graskop Roads, Bushbuckridge, 1280 Louis Trichardt Office No 10, Game Centre, CNR President & Songozwi Str, Makhado,0920 Go to ( Fax (

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23 CAR INSURANCE ONLY / PASSENGERS / 3RD PARTY Tel: His Grace The Right Reverend Bishop Dr BE Lekganyane Headquarters: Zion City Moria. P O Box 1, Boyne, 0728 Kganya Insurance Administrators (Pty) Ltd (RF). P.O Box 394, Rivonia, 2128