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Keep in touch with cell phone insurance from Vodacom.

Vodacom cell phone insurance is vital especially when you’ve brought your new R15 000 (or more) cell phone home with its amazing features.,

You know that if this “must-have” gadget goes missing, there is absolutely no way that you can ever replace it.

Vodacom cell Phone insurance Protects you Against fate

Without cell phone insurance, you’ll always feel nervous with such an expensive phone on you. What happens if you drop it, lose it or someone steals it? For a small fee each month, you have protection against all of that.

The low cost of Vodacom cell Phone insurance Makes insuring Easy

With Vodacom cellphone Insurance covering you against loss, theft or damage for a mere R19 per month, its seems madness  not to have insurance. Vodacom is a leading African communications company providing a wide range of services.

Vodacom cell phone insuranceVodacom offers Cellphone, laptop and table insurance

Some aspects to note with their insurance –

  • Stolen or lost cellphones replaced within 48 hours through their nationwide network.
  • Choose to insure your mobile device comprehensively or just for damage.
  • Easy claims process, everything done online.

Some of Vodacom’s insurance products –

  • Comprehensive Insurance – Covers water damage, theft, loss and accidental damage. For just R19 a month you also get worldwide cover.
  • Accidental Damage – Water damage and accidental damage. Worldwide cover for just R19 a month.
  • Specified Insured Extras – Loss, theft, water damage for R75. For those with comprehensive insurance. Only accessories stocked by Vodacom insured.

Damaged phones Invite more Trouble and Costs

Vodacom knows that without cover, repairing and replacing a phone might be impossible for most people. For instance, screen cracks as well as a shattered screen cost a small fortune as does investing in a new battery.

A cellphone with a shattered screen invites more damage, because the phone becomes less water resistant. Get peace of mind for R19 a month and have a new lease on life.

Your monthly bill includes your premium (for contract and top up customers). Remember that only cellphones less than 30 days old can be insured.

Get a Vodacom cell Phone insurance quote

Get a quote by calling  011 844 2800 or send an email to activate@cellsure.co.za. You may not always have the option to get your phone fixed if it breaks.

Unexpected emergencies Covered

There are many people who believe that cell phone insurance is a waste of money. They never drop their phones or lose them. But, there are also people who spend a lot of money on an expensive phone, only to have it stolen a few days later.

If you had to pay R400 a month for insurance, one could understand trying to get by without insurance. But cellphone insurance from Vodacom for just R19 a month   come on!

Compare cell phone insurance deals right here!

Compare cell phone Insurance and get the best deal. Remember, we live in a crime-ridden country and cell phones are not immune from theft.

Cell phones cost a small fortune. And not many people can find another R2 000 to R20 000 to replace the phone they’ve just had stolen. Stay ‘connected’ with cell phone insurance.

Compare cell phone Insurance – But it Takes time and ‘legwork’ to Do this?

You can find many excellent cell phone insurance deals out there, but by the time you’ve looked at just a few, frustration and confusion sets in as to which to choose. That’s where Hippo.co.za can help. They take the ‘work’ out of legwork.

Compare cell phone Insurance – Hippo do All the Comparing for You

Hippo not only gets quotes for you, they also :

  • Give useful information on how insurance works
  • Advise you on the different types of cover
  • Tell you how much the insurance costs
  • Show you how prices compare
  • Give tips on how to reduce insurance costs
  • Compare and present you with the best insurance deals on offer

Compare cell phone InsuranceMany people, through lack of time to research prices, tend to pay a lot more on insurance just to be done with it. You can trust Hippo to compare and come up with insurance quotes that you can afford and meet your needs.

Who is  Hippo to Compare cell Phone Insurance?

Launched in 2007 they became the best known comparison website

  • Hippo work hand in hand with a number of partners which include some leading insurance, and finance firms.
  • Partners are carefully chosen to ensure their clients get the best deals.
  • You don’t have to call or drive around to find the cheapest quote.
  • Save time, money and inconvenience.
  • They put the best provider in touch with you.
  • You save hundreds of Rands each month by making use of new technology.
  • Hippo’s web service is managed and run by leading web developers to ensure competitive quotes
  • Free to use
  • All you do is complete the quote form and wait for results.

Hippo remains Totally unbiased

They are totally unbiased and don’t favour any particular provider. Hippo simply match you with the best one according to the information you provide.

Paying for a phone on contract that’s stolen, means paying for a phone you don’t have. Now you’ve got to pay off your new phone too. This can be a massive financial setback and you need to get quotes quickly.

You may Suffer financial Loss while Looking for Your own Quotes

Take note of what Hippo can present you with, because with quick, cheap cell phone insurance, you needn’t have to deal with financial loss.

Hippo simply allows you to compare quotes from many different insurers quickly. You’re free to compare according to price as well as what the product covers and excludes.

King Price delivers on it’s promise of insurance for everyone.

Most of us know about King Price Household Insurance. And as the people at King Price will tell you, if you upended your house, anything that fell out they would insure.

And they do mean everything. From the bed sheets to your slippers, and all the expensive electronic devices you own.

King Price household Insurance – What Do they cover?

The cover extends to all who live in the same house as you. You can claim on anything stolen, or damaged.

Also insured are items you take out of your home such as your watch, laptop, phone etc. But you need to specify the items when taking out a policy.

King Price also needs a valuation certificate for any jewellery worth over R15 000. List any Item worth more than R35 000 one at a time on the policy. And keep them in a secure safe when not in use.

King PriceKing Price household Insurance household Insurance – What don’t They cover?

  • Contact lenses
  • Bikes
  • Hearing aids
  • Cellphones
  • Prescription glasses

As they are not covered under your standard contents cover, insure these items separately by specifying them. However, this will increase your premium. The good news is that if you also insure your car through them, you can get these items covered for only R1 a month.

King Price household Insurance – getting Enough Insurance

Do you know what the contents of your house are worth? Walk through each room, make a list of everything and total up the prices of everything that you bought. That’s a good estimate of the value, isn’t it?

Actually it’s not! Most people list the price they paid. Try and buy the same TV at the price you paid for it three years ago. You need to base the amount on the replacement value.

This is a major mistake many of us make. We guess at how much insurance we need without doing any research. Then we get upset when the pay out is a lot less than we need to get things back to the way they should be.

Protect yourself

You can protect yourself against being under insured by following our advice. It is also a good idea to go through the same exercise once a year and update your cover if it proves necessary.

Being properly insured is important because losing items that you own can be inconvenient at best, and traumatic at worst. Choosing the right insurer means that you have less stress and worry to handle going forward.

As a homeowner you need Building Insurance from Outsurance.

Outsurance Building Insurance is vital. Even if you own your own home and you do everything  to take care of it.

You never leave the stove on and never had a problem with burst pipes. So, what’s the point in getting insurance on the house or buildings?

After all, if something does happen, repairs won’t cost that much, anyway.

Outsurance Building Insurance – Why building Insurance is Vital

Don’t make the mistake of being under insured. A lot of people do. What happens if your home burns down? What if the land under the building slips?

A burst geyser can damage the walls, carpets, furniture etc. You might require the use of special equipment to dry it all out. And, what if a storm blows your roof off? That’s what building insurance is all about.

Outsurance Building Insurance What Does Outsurance Building Insurance Offer?

Outsurance offers protection against damage or loss that is a result of natural disaster, explosion, subsidence, and fire.

An Outsurance policy covers the structure of the house, fixtures, fittings etc, They arrange for you to stay elsewhere.should you be unable to live in your house,

Why Choose Outsurance?

You want the best possible service. Outsurance has been an industry-leader and trusted household name for many years now.

They offer affordable cover and a range of benefits that do more than just increase the cost. They pride themselves in quick and efficient handling of claims. Their service is what has seen them voted in as the favourite short-term insurer around.

What Outsurance Will Not Cover

They will not cover damages relating to normal wear and tear. Depending on the level of excess you chose, smaller claims might be for your account.

For example, if your excess is R500 and you want to replace a cracked window, the cost would be less than the excess. So it would be for your account.

Which is a good thing because it reduces your overall monthly premium. You could ask for the excesses to be removed but this would increase your premiums by a fair amount.

Discovery Household Insurance for South Africans.

Discovery Household Insurance has made a name for itself in the industry by offering products that are leading edge and with benefits that add true value.

Discovery Household Insurance – Home Contents

The benefit of this cover include not having to pay an excess due to a break in or damage from bad weather. If needed, you get accommodation and also security in emergencies.

The firm arranges for a locksmith, electrician or plumber and also covers you for damage related to power surges. Accidental damage includes windows and TV..

In addition, Discovery offers a secure Online Vault to protect important documents like valuation certificates, ownership papers, etc. All risks cover included.

Discovery Household Insurance – Additional benefits:

  • Discovery Household InsuranceCover for accidental damage.
  • Cover for when your home is unoccupied for longer than sixty days.
  • Flexible excesses to help you manage your premiums.
  • Cover for goods left out in the open. Garden furniture etc,
  • Garden damage –  uprooted trees, or a storm damaged irrigation system.
  • Additional items  include water pumps and pool filters,
  • Wear and tear for plumbing and geyser. Choose to add any water heating item including pipes.
  • Add this cover for properties you rent out.

Claims on the Fast Track

Specified electronic devices replaced in two days on claim approval.

Theft from a Vehicle

This is different to standard contents or all risks cover. Even if there is no evidence of forced entry or if you forget to lock your car the policy pays.

Safe Deposit items

Cover includes valuable items in a safe deposit box with your bank and removal of the items.

Jewellery repair and/or Replacement

You choose the dealer to replace or repair the items.

Personal Effects

Cover for local or overseas theft of your personal items. Includes laptops, phone, etc. Whether you insure your home, or personal items, make sure you work out the value correctly. Avoid being under insured.

Santam Short-Term Personal Insurance

What does short-term insurance cover? In this post, we will have a look at Santam short-term products to see what you can expect from short-term cover.

Santam Short-Term Building Insurance

When it comes to your home, you don’t want to take any unnecessary risks. You take pride in your home and ensure that it is presented beautifully. You keep it clean and tidy and secure it against burglary.

But what happens when something goes wrong? What if your geyser bursts or your home is damaged in a storm? That’s where building insurance comes in.

Santam Short-TermBuilding insurance covers the structure of your home and other permanent structures on your property. So, if, for example, land subsidence causes your pool to crack, you are covered.

What makes Santam different is their vast experience in the industry – they have been around for almost a century. They also cover the replacement value of your home, not just the market value.

Santam Short-Term – Personal Legal Liability

They also cover you for personal legal liability. This is something that you hopefully won’t ever need, but is essential if you have workers or guests in your home. What happens if someone fixing your roof slips and falls?

You can be held liable for this kind of accident.

Santam Short-Term – Extended Personal Legal Liability

This extends your cover wherever you are in the world. If it is not covered under the standard legal liability policy, it should be covered here instead.

Santam Short-Term – Legal Expenses

Some people may go their whole lives without needing to see the inside of a courtroom. For those who are not that lucky, the cost of court proceedings can be an expense that is crippling.

Taking out cover for legal expenses makes sense. Even though you know you would never break the law, you never know when an accident may make you criminally or civilly liable. What happens if your employer treats you unfairly?

Santam’s legal cover covers civil matters, labour matters, criminal cases and family matters.

Santam Short-Term – Personal Accident

This is another one that you hope you hope that you never have to use. But you will be glad you have it if you are permanently disabled in an accident. This plan will pay out to your family if you die in an accident as well.

Santam Short-Term – Hospital Benefit Plan

In this case you are paid out for each 24 hours that you have to spend in hospital because of an insured event.

Santam Short-Term – All Risks

This cover is for those items that you carry with you every day. Things like your cellphone, or your expensive sunglasses, for example.

Now, you might think that these things are covered under your standard contents insurance but they are actually not covered fully.

While most policies do make allowances for some personal items being carried on your person, this cover will probably be limited. So, for example, it might be limited to R10 000.

Add up the value of the items that you carry around with you. For example, your phone, laptop, jewellery, and even designer clothes if you wear them. Would R10 000 be enough if you had to replace everything?

That about covers the different insurances offered by Sanlam. You should now have a much better understanding of how short-term insurance works.

 

Guide to Household Insurance in South Africa

When it comes to insurance in South Africa, nothing is quite as hotly contested when it comes to the contents of your home and your motor vehicle. It’s intricate – did you set the alarm, where did you park, etc. That’s why you need a guide to household insurance.

Fortunately, household insurance is a lot less contentious and clearly defined so it is easier to zone in on the risks. In this post we will go through the basics of how householder’s insurance works in South Africa.

Guide to Household Insurance – What Constitutes Good Cover?

This is something that you don’t want to have to find out when it comes time to claim. You should have cover for all the structures on the property, including gates, walls and swimming pools.

Good cover is cover that allows for an increase in fees from one year to the next. But don’t Guide to Household Insuranceassume that every policy offers this, especially if it was taken specifically to cover your bond.

Some policies work on replacement values, and others work on the outstanding amount of the bond. The latter is normally cheaper and gives you peace of mind for payment of your bond in the event that something goes wrong.

What you also need to consider, though, is what happens when you need to rebuild. It is better to pay a higher monthly premium and have full cover for the full value of your home. This policy value increases over time. When it comes to your bond, the value decreases every year.

Your policy should make allowances for the replacement cost of your property. Say, for example, your property burns to the ground. You need to consider how much it would cost to rebuild, rather than just the plain market value.

Guide to Household Insurance – Rather Undervalue Than Overvalue

It might be a wise idea to have the house professionally valued. This would cost you money in the short-term but could save you from the perils of underinsurance when a claim needs to be made.

A more accurate value also decreases that chances of you over-insuring your home. A good time to do this is when purchasing your home. If you are taking out a bond, the bank does send an assessor but their purpose is just to confirm that the property is worth the purchase price.

Getting a third-party in to do your own valuation is a much better idea.

Guide to Household Insurance – What is Covered?

This depends on the policy and the level of cover you choose but it is a good idea to get this set out in the beginning. What risks do you have cover for? What situations might lead the company to decline your claim?

For example, if you have a large selection of books in your home, this could constitute an increased fire risk. It is better to declare such things upfront. Another example could be if you have a thatched roof.

Companies will also consider how old the property is, if you use gas in the home, if you have a fireplace, generator, etc.

Finding out what you have cover for, what it excludes. That is especially important. Find out what excesses you have to pay and reasons that your policy might not pay out. It is essential to understand the terms and conditions before you sign up. It may be too late when you have to put in a claim.

 

Are you sure your home is insured properly?

It’s something that we don’t give much thought to, but do you know if you have an under insured home?

An under Insured home is Asking for Trouble

  • Have you updated the insured amount in the last year?
  • Did you take the replacement value into account?
  • When did you last re-evaluate your policy?
  • Is the pay-out amount and your bond balance linked?
  • Have you taken a full inventory of your home?

Not attending to these point may leave you under insured.

Act now To find out If you Have an under insured home

Under insured homeFinding out that your home is under insured when you need to make a claim is too late. People take out the policy, set up the debit order and then forget about it.

The problem is that the insured value of our homes and their contents stays the same. In the meantime, the costs to replace them increases. This can leave a large shortfall when it becomes time to claim.

What the Experts have to Say –

Financial planners recommend that you evaluate your policy and consider updating the cover once a year, at least. You might be surprised to know that by doing so, you could end up getting better cover at a better price.

Insurance is very much in demand in this country. Insurers are falling over each other to gain market share. This means that new products are around and benefits increased. The firms do this to stay competitive.

It’s great for the consumer. However, none of it means much if you continue to under insure your property.

How much Building insurance Do I need?

Start off with the basics – your building insurance. Do some research in your area and find out what does a similar house sell for?

What is the current value of your house? What would it cost if you needed to do major repairs? Get one or two quotes on things like replacing the geyser or replacing the carpeting.

Once you have all the information, check your current home owner’s policy. How much will they pay out if your geyser bursts? How much if your house burns down?

Be careful if you have a policy where the value is linked to the size of your bond. These are very popular because they are cheaper. When it comes to claiming, though, they pay according to the bond’s balance, not the value of the home.

Your household contents must be insured for the full replacement value. This includes items such as crockery, clothing, and linen which are often overlooked.

How much Should I value the Contents?

This is another area where mistakes are made. Let’s say the policy says R100 000 worth of cover for contents. It sounds like a lot of money, doesn’t it? Surely it is enough.

To see if it is enough, make an inventory of the items in your home. There’s the TV at R7 000, the lounge suite costs R15 000 and say the sound system is R5 000. We’re already at R27 000 with just three items in the lounge.

Go around and make a list of everything that would need to be replaced if the house burnt down. This includes the appliances in the kitchen, your clothes, all the furniture, cutlery, crockery, and so on.

Imagine that you had to start buying all these items from scratch. How much would it cost you now? R100 000 of content insurance is not a lot.

Don’t get caught out when you need your insurance most. Make sure that you have the right amount of cover in case you need to start over again.

Home insurance for when the world appears to fall down around you.

Home Insurance for natural disasters takes care of the unforeseen events in life.

Events like hail damage, fire, floods and many others that come out of nowhere.

Home Insurance for Natural disasters lets You sleep Like a Baby

  • Building insurance covers the structure itself.
  • Contents covers what is in the home.
  • Personal valuables covers goods you carry around when away from home. Banks include building insurance as part of the contract when you have a bond. Other insurances are optional.

With Home Insurance for Natural disasters You can Weather any Storm

Home Insurance for natural disasters

When it comes to home insurance, you must understand the extent of your cover. You don’t want to find out what you are or are not insured for when it’s too late.

While we hope for the best, we have to prepare for the worst and insurance is a good way to do this.

What Types of Home Insurance for Natural disasters Are there?

Most firms offer three different basic policies – Building, Contents and Personal valuables insurance.

Building Insurance

The policy covers the permanent structures and fixtures on your property against loss or damage. If your geyser bursts, you can claim.

The insurance usually extends to personal liability insurance as well. If someone works on your roof and falls off, your insurance covers you if they claim against you. It also insures against a liability claim in terms of another party’s personal property.

Contents Insurance

This covers what is in the house. A lightning strike on your TV, goods that are lost, stolen, damaged or destroyed. Not covered are Immovable fixtures, like the geyser.

Personal Valuables Insurance

This is separate from the standard contents cover and includes items that you use outside your home. For example, a cell phone stolen while shopping.

It is important to know the extent of your cover. You receive a certain amount for non-specified items but this cover is low. If you want full cover for expensive items, you have to specify them and pay extra to insure them.

Must I have Insurance?

Building insurance forms part of the terms and conditions of your home loan. The bank also requires life cover as well.

You are not obliged to take the cover offered by the bank. But you will have to cede some form of building insurance.

If you do not have a bond, building insurance is optional. It is, however, highly recommended. It is quite cheap and can be a critical when something bad happens. Covering general repair costs is not such a big problem.

When you start to replace a burst geyser though, the costs mount up fast. Around R7000 at least and that’s without taking any water damage into account. If there is a fire or the house needs to be rebuilt, buildings insurance is essential.

Content and personal valuables insurance can be considered optional.

How much Cover should I Get?

When choosing the cover you need, be sure to look at the replacement cost or the overall value of the home. Building insurance policies that are tied to the bond are often less expensive. However, they often only cover the outstanding amount of the bond.

This means that the cover decreases as the bond does, leaving no extra funds if you need to rebuild.

It is better to over-insure that under-insure your home. Think about how easily you would be able to replace your home or its contents if something were to go wrong. Then decide whether or not you can afford to stay uninsured.

What types of insurance can I get from Budget ?

Budget Insurance is there for you when your budget is tight.

They cover a complete range products that we use and need today.

What does Budget insurance Offer?

  • A full-range of short-term insurance.
  • Car insurance from third-party fire and theft to comprehensive cover.
  • Household contents insurance.
  • Buildings insurance.
  • Full liability cover.

Budget Insurance is a household name. It has a rep for providing insurance you can afford with great customer service. There are many types of policies you can get at the price you can afford.

Budget insurance and Cars

Budget InsuranceOur, road conditions are not ideal. Potholes, bad drivers and unsafe vehicles on the road make it unwise to drive around uninsured.

When money is tight many people consider cutting out insurance payments. Not a good idea.

Budget has four plans for cars. From comprehensive to basic third party, fire and theft. You choose the level of cover that suits you and get a range of different Assist Benefits as well.

You can get liability cover up to R20 million to ensure that you are completely covered.

Budget insurance and Homes

Your home is important for you and your family. If something should go wrong, it can break you both financially and emotionally. Budget has cover that helps you to soften the blow.

Their home insurance is based on what it actually costs to replace lost, damaged or stolen assets, not their book value, so you can get back on track quickly.

Insurance for Home contents Include

  • Full cover if personal items are damaged, destroyed or lost.
  • Cover if there is a fire, power surge, lightning damage, explosion or water damage from a burst geyser. Damage to the water system, theft or a break-in.
  • Loss of food due to a power failure or a faulty freezer.
  • Washing stolen from the line.
  • Stolen garden furniture.
  • Life cover for you and your partner if you die as a result of a break-in or a fire in the home.
  • Personal belongings of guests staying over or a domestic employee in the home, are insured if a break-in occurs.
  • Premiums include householder’s liability insurance.
  • You can add on a tenant’s liability too.
  • Your domestic employee is covered if they are injured while working at your home.
  • Liability cover up to R20 million, including all forms of liability cover – tenants, domestic and public. Assist Benefits apply here as well.

Budget insurance and Buildings

Buildings insurance covers you in the event of damage to your home for any of the reasons listed above. It does not include cover for the belongings in the home. It can be a cheaper alternative to comprehensive insurance if you are on a tighter budget.