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Welcome to 2015 and may the Year of the Goat/Sheep/Ram be good to everyone.
 
 
MAKE SURE ALL YOUR VEHICLE DETAILS ARE CORRECT
  • Check the Code on your Licence and Registration documents
          Code 1 – New
          Code 2 – Second Hand/Used
          Code 3 – Unfit for Use
          Code 4 – Permanently demolished
  • Check that the Year of your vehicle is correct – we have come across cases where our Clients believe they have purchased a 2013 vehicle only to find that it was first registered in 2012.
  • Have all accessories (non-standard) been included into the sum insured? Have you fitted any additional accessories since first insuring your vehicle?  Think of Tracking systems, mag wheels, s/s exhausts, Smash and Grab…..
  • Remember to keep documentation relating to any new parts/tyres etc.
  • Please call our office if you have any concerns regarding the value of your vehicle.  The value of your vehicle depreciates each month and is adjusted once a year by our office (this usually coincides with your renewal date).
WHO LIVES IN YOUR HOME ?

A recent survey carried out by The World Factbook states that approximately 9 out of 10 South African homes are three-generation households and this could have implications regarding the Insurance cover you have in place.
There are various factors to consider and declare to Insurers such as Co-Insured’s being noted, sums insured, who drives the vehicles and more.  Please call our office to check that your policy is correctly stated as all material facts must be disclosed to Insurers – the more we tell Insurers, the less likely we are to experience problems or delays  at claim time.
Please also remember to advise our office should you have carried out any building alterations or if you intend doing so in the near future.

THIS YEAR, LET US MAKE THE CLAIM PROCESS AS EASY AS POSSIBLE
 
      Tips on how to speed up the Claims process…
  • Report all claims to our office as soon as possible
  • Take any necessary steps to prevent further damages occurring
  • Submit all supporting Claim documents without delay – the more information we are able to supply to Insurers/Assessors, the quicker the claim is likely to be settled
  • Proof of Ownership is vital – keep all valuations certificates, credit card transactions and invoices as proof that you owned an item
  • All motor accidents and incidences of Theft must be reported to the authorities (usually within 24 hours)
  • Most Insurers no longer accept an assumed amount for any lost or stolen item – they insist on actual quotations….speed up your claim by starting this process as soon as possible following a loss
  • Home maintenance is essential – let us not give Insurers a reason to decline a claim due to poor maintenance.  This includes regular checks on your home security system, vehicle tracking devices etc.
The Cooke Fuller Garrun Claims Department.