Dear Miss TL Pillay,
YOUR POLICY NUMBER 951264370
Welcome and congratulations on making a sound decision to entrust your insurance needs to us.
This welcome pack contains your policy book, your schedule (the documents that explain your cover and your basic excesses) and the
Legal Disclosures. Please read the terms and conditions carefully to make sure you fully understand your cover, paying close attention
to the sections that apply to you.
KEEP US INFORMED
When you study your schedule please make sure that all your personal and policy information is correct and up to date, as we agreed
upon in our telephonic conversation. Failure to supply us with the correct information can affect any claim you may have. If you don’t
want to call, you can update your details online by going to www.ffw.co.za.
The Assist brochure is also included in this welcome pack, if applicable. It contains a host of benefits, so read through it to see which of
these you can enjoy. Roadside Assist is only available if you have comprehensive or third party, fire and theft car insurance.
If you have Saver car insurance, Loan Assistance and Accident Assistance are automatically included in Accident Cover, Total Loss
Cover, and, Third Party Liability Cover. If you have selected the additional Assist Products, you will enjoy a number of other assist
CASH BACK PLUS
Remember that you can also choose to include Cash Back Plus at a minimal fee. This entitles you to a cash reward if you have
uninterrupted claims-free cover for 4 years. Your pay-out could be equal to your first year’s insurance premiums or 25% of all your
premiums paid over 4 years, whichever is the lesser.
6 June 2017
www.ffw.co.zaOnline Admin & Claims
0861 11 18 05MISS TL PILLAY
99 HEREFORD CIRCLE
Please save the Towline number on your cellphone – otherwise you won’t be able to call for the tow service. The number is:
0861 111 805.
Please call us on 0861 11 18 05 with any questions you may have. You can also email us or visit the website, www.ffw.co.za, if you
have any complaints or compliments.
The 1st for Women Team
Please click on the links below to access your policy documents:
Policy BookAssist BrochureFirst for Women Business Insurance Products BrochureSASRIA Annexure – MotorSASRIA Annexure – Fire
Should you not be able to access your policy documents via the above links, please email us for assistance on
ABOUT YOUR INSURER/PRODUCT SUPPLIER FOR PERSONAL LINES COVER SELECTEDFSP:Company Registration Number:VAT Registration Number:Physical Address:Postal Address:Website: Tel:The Compliance Officer:
0860 999 954Email:i)A van Heerden:j)
ABOUT YOUR PRODUCT SUPPLIER OF COVER FOR ANY ACCIDENTAL OR INTENTIONAL DAMAGE TO YOUR PROPERTY CAUSED BY ANY PERSON OR GROUP OF PEOPLE TAKING PART IN A RIOT, STRIKE, ETC.a)b)c)d)e)
Sasria SOC Limited1979/00287/0636 Fricker Road, IllovoPO Box 653367, Benmore, 2010www.sasria.co.za
Tel:011 447 8630 / 086 172 7329The Compliance Officer:
[email protected] Tel:h)i)j)
RECORD OF ADVICERecords of any telephonic or online interactions are kept for your and our protection. These records will be made available on request.
CHARGES AND FEES
COMPLAINTS HANDLING PROCEDURE
1) The administration of your policy – for example, problems with your debit order, incorrect information on your policy schedule or complaints against the consultant who sold you the policy.
0860 10 90 59Email:[email protected]:
2) Claims on your policy – for example, a claim lodged is taking too long, has been rejected, you are dissatisfied with the repair process or you are dissatisfied with the outcome of your claim.
Should you have any complaints regarding the following:
Step 1: Contact Complaints Resolution
Your once-off policy start-up fee is reflected on your schedule in the paragraph headed “payment details”.
Please see your policy book for the type of cover that SASRIA provides.First For Women is an agency company of SASRIA. First For Women does have other product suppliers.
In the event of a SASRIA Claim, claims related queries can be made to Themba Sibiya on 011 214 0829 ext. 229 or Mmakgomo Motalane on 011 214 0863 ext. 263
Should you have any complaints relating to SASRIA, please Email [email protected] Compliance Department deals with issues relating to SASRIA’s compliance with the FAIS Act.011 214 0800 / 086 172 7742Compliance Email Address:
Mr Mzwixolo Mavusog)Fax: 011 214 0800 / 086 172 7742f)
Product Supplier:Company Registration Number:Physical Address:Postal Address:Website:
All excess amounts are exclusive of VAT.
All premiums are inclusive of VAT at the standard rate. With the direction of the Commissioner in terms of S20(7) of the VAT Act, this policy document together with proof of payment of the insurance premium constitutes a valid tax invoice for the purpose of deducting input tax.
The type of cover that you selected appears on your schedule. First For Women has professional indemnity insurance.Consultants, who currently do not meet the minimum experience and/or qualification requirements as set by the FAIS Act, render services under supervision.
First For Women has appointed Telesure Group Services as a non-mandated intermediary to perform the following binder functions: enter into, vary or renew policies and to settle claims under these policies, for which Telesure Group Services receives a binder fee in accordance with the terms and conditions of the agreement between the parties.
First For Women is a registered Insurer and an authorised financial services provider, licensed to give advice and render financial services on short term insurance personal and commercial lines and long term insurance category A and B
In the event of a claim, you must call your local insurance call centre at the number that appears on your schedule.
Should you have a complaint regarding First For Women’s alleged contravention of, or failure to comply with the FAIS Act, and/or the wilful or negligent rendering of a financial service that has or may cause prejudice or damage or if you feel you have been treated unfairly, please emailx the details of your complaint to the Compliance Officer at the email address at h) above.
The compliance officer deals with issues relating to First For Women’s compliance with the FAIS act. If you have policy related issues, please call your local insurance call centre on the number that appears on your schedule.
(011) 489-4000Telephone Number of Public Officer:[email protected]:
First For Women Insurance Company Ltd1998/004804/064460228473Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191PO Box 11250, Johannesburg, 2000www.ffw.co.za011 489 4000PO Box 11250, Johannesburg, 2000
FIRST FOR WOMEN INSURANCE COMPANY LEGAL DISCLOSURES
Step 3: Contact the Short-term Insurance Ombudsman or the FAIS Ombudsman (where applicable)
Tel: Fax: 0860 726 [email protected] Address:
The FAIS Ombudsman is an independent and impartial dispute resolution tribunal which investigates, considers and disposes of complaints by consumers against Financial Services Providers. For example, the way a policy was sold or how a service was provided.
The FAIS Ombudsman can be contacted at:
012 470 9080012 348 3447Share Number:Email:www.faisombud.co.zaPO Box 74571, Lynwoodrif, 0040
CONSENT TO SHARE INFORMATION
“I acknowledge that the sharing of claims information and underwriting information (including credit information) by Insurers is essential to enable the Insurance Industry to underwrite policies and to assess risks fairly and to reduce the incidents of fraudulent claims, in the public interest and with the view to limiting payments. On my own behalf and on behalf of any person I represent herein, I hereby waive any right to privacy in any insurance information provided by me or on my behalf in respect of any insurance policy for claims made or lodged by me and I consent to such information being disclosed to any other insurance company or agent. I also acknowledge that the information provided by me may be verified against other legitimate sources or databases. I also waive any rights of privacy and consent to the disclosure of any information relevant to any insurance policy or claim concerning me.”
Postal Address:Website:[email protected] FAIS OM (0860 324 766)Fax: Tel:
PO Box 32334, Braamfontein, 2017Email:Share Number:011 726 5501011 726 8900
The Ombudsman for Short-term Insurance provides consumers with a free dispute resolution mechanism. It mediates between subscribing members such as the insurer and policyholders regarding insurance contracts. The Ombudsman for Short-term Insurance can be contacted at:
Should your complaint not be resolved to your satisfaction or if we failed to timeously respond to your complaint, then you may submit your complaint to the FAIS Ombudsman, or the Ombudsman for Short-term Insurance, whichever is applicable.
[email protected] 99 99 54
Should you believe that the insurer has contravened any regulatory or statutory requirement, in that, the financial service was not rendered honestly, fairly, with due skill, care and diligence, and in the interests of you the client, please contact the Compliance Department. The Compliance Department handles all FAIS related complaints.
Step 2: Contact Compliance Department
Reg No.: 1998/004804/07
VAT No.: 4490219518
Tel: 011 4894000
Fax: 011 729 1521
YOUR PERSONAL DETAILS
Policy Number: Commencement
Policy Holder:Effective Date:
ID Number:Email Address:
Home Number:Work Number:
Fax Number:Cellphone Number:
IF YOU CHANGE ANY OF THESE ADDRESSES AND DO NOT UPDATE YOUR POLICY RECORDS, YOU MAY NO LONGER
Account Number:Type of Account:
Account Holder:Date of Birth:
The payment will be collected by I.S.Services (Pty) Ltd on the agreed deduction dates. If your deduction date falls on a Sunday or
public holiday, your debit order may be lodged for an earlier date.
IMPORTANT: Please note that your policy is a monthly policy and must be paid in advance on the deduction dates as they are
stated above. If your premium is not received on your preferred deduction date, an attempt may be made to collect your premium on
a more suitable date in an effort to keep you covered. If payment is not received for three consecutive months, the policy will be
24 March 1996Miss TL Pillay
Universal Branch South
An amount of R 564.83 (which includes the commencement fee of R 110.00) will be deducted from your bank account on 1 July
2017. Subsequent deductions of R 454.83 will be made on the 1st of every month to cover you for that calendar month. We have
agreed to use the following account for your premium deductions:
The residential address plus any other daytime or overnight addresses displayed on this schedule are the risk addresses where you
keep the insured items. These have an influence on the calculation of your premium and determines the acceptability of your risk
plus the terms and conditions that are applied to your policy.
99 Hereford Circle, MEADOWS, 3201
99 Hereford Circle, MEADOWS, 3201
076 978 0083Not available
Not availableNot available
1 July 2017Miss TL Pillay
1 July 2017951264370
AUTO AND GENERAL PARK, 1 TELESURE LANE, RIVERGLEN, DAINFERN, 2191
FIRST FOR WOMEN INSURANCE COMPANY LTD
2000 TOYOTA CONQUEST 160I RSE NP139251
Trade ValueR 2.00
PIETERMARITZBURG, 3201MEADOWS, 3201
Road, Home, Medical, Trauma and Legal Assistance
SASRIA PREMIUM FOR VEHICLE COVERR 2.00
YOU HAVE NOT CHOSEN TO ADD THE CASH BACK PLUS OPTION TO YOUR POLICY.
Discount available for combination package*
TOTAL MONTHLY PREMIUM:
* your motor cover premium will be discounted if your policy includes a combination of cover (such as home contents and vehicle
cover, for example).
IMPORTANT: Please read through the excess tables in the following pages for all the amounts and rules applicable to your policy’s
basic and additional excesses.
2000 TOYOTA CONQUEST 160I RSE (NP139251)
* whichever amount is the highest
Cover Type:Vehicle Use:
Paint Type:Vehicle Colour:
Overnight Parking Suburb: Daytime Parking Suburb:
Summary of Your Cover
Please check all the information in this document thoroughly and ensure that all the details are correct and true in all respects. Cover
is granted on the condition that both the policy holder and regular driver adhere to all the terms and conditions of the policy.
SPECIAL TERMS AND CONDITIONS
TOYOTA CONQUEST 160I RSE 2000 NP139251
Miss TL Pillay24 March 1996
The regular driver is the person who drives the vehicle more often than any other person. If the information above is incorrect, or if
you do not inform us when the regular driver changes, your cover will be affected and we may be unable to pay any claims.
Cover will be limited to third party only, until the vehicle has been inspected at an approved assessment centre. Please ignore if
Cover is valid only for social, domestic or recreational purposes and for trips between your residential address and permanent
COVER – COMPREHENSIVE
Own Damage/LossR 449.39
Sound CoverCover Not Taken
Car Hire: Theft (Cover Not Taken)Cover Not Taken
Cover Not Taken
Window Glass OnlyR 850,00
* Liability cover consists of Other Damage to a maximum of R 1,000,000.00 and Other Party Property Fire/Explosion damage to a
maximum of R 300,000.00.
TOTAL MONTHLY PREMIUM:
Car Hire Type Selected:
Cover Not TakenCar Hire: Accident (Cover Not Taken)
IncludedWindow Glass Only
Cover Not Taken
R 3.44Hail Damage
Marital Status:Licence Issue Date:
Date of Birth:Regular Driver:
Vehicle Paint Type:Vehicle Colour:
If the driver of the vehicle
is younger than 25 and is the regular driver or his/her spouse.
is younger than 25 and is not the regular driver or his/her spouse
is 25 or older and not the regular driver or his/her spouse
has a Learner’s Licence
has had a licence for less than two years
If the vehicle is stolen, a theft excess of R 3,750.00 or 7.50% of the value of the motor vehicle – whichever amount is the
higher – shall be payable. You will not need to pay this excess if the car is found in an economically repairable condition
before the claim is paid out or if a tracking system was installed when the theft took place.
If the car is in an accident that happens
within the first six months after the policy start date
during the second half of the first year the policy is active
between 23h00 and 05h00R 2,200.003)
If the vehicle is used outside the Republic of South Africa
Area Access Control:
In a yard – with locked gates
Where is the vehicle usually parked overnight?99 Hereford Circle
Has the vehicle’s engine been upgraded to increase performance?
What is the colour of the vehicle?
Has your Licence been endorsed in the last five years?Not Available
Do you currently have vehicle insurance?Not Available
Have you ever had your insurance cancelled or an
Claims submitted/losses in the past two years for the regular driver and spouse (if applicable):
In a yard – with locked gates
Area Access Control:
0 Tba Street
Where is the vehicle usually parked during the day?
YOUR ANSWEROUR QUESTION
Your answers to our underwriting questions enable us to work out premiums and to decide whether the risk of your policy may be
accepted or not. Please check your answers and information below carefully and make sure everything is correct. If any of the
details below are not fully true and correct but you tell us they are, your coverage may be invalid.