We DON'T require that a disclaimer be signed by a guest.
We DON'T charge an additional premium for most extensions under the buildings and contents section and that includes subsidence and landslip.
We DON'T require a survey on most premises before risk is accepted.
We DON'T lose our focus with lots of different products.
We DON'T have policy holders, we have ? Tourism Ambassadors?.
We DON'T have forcible and violent entry requirements for theft.
We DON'T have power surge equipment restrictions on lightning and power surge claims.
We DON'T reduce the insured's motor NCB or charge an excess if the motor accident/collision was not the insured's fault due to our NO BLAME BONUS. (excluding any vehicles over R500,000)
We DON'T charge for geyser cover if the buildings are insured with us.
WE DON'T limit the value of geysers.
WE DON'T IGNORE THE INDUSTRY WE SERVE.
Because We DO
We DO cover both the personal and business portions of the establishment without having to split the values.
We DO have liability limits of up to R100m written by major liability underwriters at Lloyd?s of London.
We DO provide premium discounts for any membership of accommodation associations in South Africa and for owners of 50 years of age.
We DO provide cover for TAX and CAP legal Costs up to R300,000 in defending the insured against matters arising from a Tax or CPA claim against the insures at a small additional premium.
We DO provide cover for Loss of Revenue following murder, rape, suicide or any attempt, loss of revenue following any violent event at a establishment,
loss of revenue following a cancellation of any event and loss of revenue following death, by any means, of a key member of the establishment and many other risks associated with a running B&B or Guesthouse.
We DO have a section that includes cover for certain electrical and plumbing problems, plus cover for appliance maintenance and auto assist and is automatically included.
We DO provide money cover for R7, 500 under the contents section and R5,000 under all risk section at no cost.
We DO automatically include guest?s effects cover up to limit R25, 000 under the Buildings and Contents section.
We DO automatically include Accidental Damage cover up to a limit of R20,000 under the Building and Contents section.
We DO automatically include Bilking cover up to a limit of R25, 000 per event in terms of the Contents section.
We DO automatically include Fidelity and Accounts Receivable cover up to R10,000
Need more information? Complete your detail below and we will contact you.