BENEFITS OF using XINIX.
Would you fight a legal battle without a lawyer or manage your company’s finances without an Accountant? So why then purchase insurance without adequate advice?
By using XINIX, you engage the services of a specialist who can save you time, money and give you peace of mind. The knowledge, experience and skills offered by us, is what is required to ensure that you get the best cover. More importantly, XINIX works for you the client, not the insurance company.
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Below is important claims processes that needs to be followed. Make sure you use the Roadside Assistance numbers from our Contacts Page or you may be liable for the costs.
1. Use the correct roadside assistance number provided above for towing, as the use of any other service provider will result in you having to bear the costs thereof.
2. All incidents should be reported to the police within 24 hours at a station closest to where the incident occurred, no matter how slight the damage. Should you not report the case the other party could claim that it was a hit-and-run or that you refused to provide your details.
3. Make sure you get a copy of the police report once reported.
4. You only have 30 days to lodge a claim. If injuries occurred, it’s important to mention this to your insurer to avoid any major financial claims.
5. Please be prepared to pay the excess amounts as detailed in your policy. (i.e. this is the cash amount you will be liable to pay in order to have your claim settled. In most instances this amount will have to be paid directly to the company that repairs your vehicle).
6. If your policy includes car hire, please note, the insurer will only make available a car once your vehicle is taken in for repairs. If your vehicle can be driven, car hire may not be available to you.
reporting a claim
Minimum Document Requirements
1. Claim reference number that you would have received when registering the claim.
2. A clear copy of your driver’s licence and where applicable your Public Driving Permit.
3. A clear copy of your Identity Document.
4. SAP case number & copy of police report.
5. At least two quotations. (i.e. what it will cost for the vehicle to be repaired)
6. Copy of your inspection certificate. (where applicable)
CAN AGE HAVE AN IMPACT ON THE PREMIUMS I PAY?
Age does influence the premium payable as older drivers may have fewer accidents than younger ones and therefore a lower premium is charged for the more experienced drivers. If you want to know more about how the premium rating works, call XINIX Insurance Brokers on 086 162 0000.
WHAT IS AN EXCESS?
An excess is the amount you have to pay in the event of a loss and is the uninsured portion of your loss. You have several options available for reducing your basic excess. However, this usually involves an increase in premium to enjoy this reduced amount. The excess serves to prevent clients from submitting minor claims as well as fraudulent claims and assists in keeping the premiums down. When you submit a claim, you will have to pay an excess, regardless of who was to blame for the accident. It is important to read your policy documentation regarding excesses as there may sometimes be additional excesses depending on the facts of your claim, e.g. who was driving your vehicle at the time of the loss, etc.
WHY DO I HAVE TO PAY AN EXCESS IF I WAS NOT AT FAULT?
An excess is payable whenever a claim is submitted and is the first payment that needs to be made in the event of a claim – regardless of whether you are guilty or not.
The administrative cost of a claim is the same, regardless of who is at fault. If you are not at fault, you can claim the amount back from the other party. Unfortunately, this can take a long time, especially if the guilty party isn’t insured.
There are certain circumstances when an excess can’t be recovered, for example:
•The insured doesn’t have any third party details
•The third party doesn’t have any income or assets to attach
•The legal costs outweigh the recovery costs
•The third party can’t be traced
•The merits of the claim don’t justify the recovery
WHY DO I HAVE TO PAY MORE THAN ONE EXCESS?
Your insurance contract covers various levels of risk. This means that, for instance, if your vehicle is involved in a motor vehicle accident, and the person driving the vehicle at the time is not the regular driver, you will be charged an additional excess as that driver is not the driver on whom the premium is based. Additional excesses will only apply should the facts of the incident warrant it. In some instances you may find that none of the additional excesses apply to your particular incident.
WHAT FACTORS ARE TAKEN INTO ACCOUNT IN DETERMINING WHAT PREMIUM I PAY?
Numerous things are taken into account, for example, the make and model of your motor vehicle, where you live, where your vehicle is kept at night and under what circumstances, who the regular driver of the vehicle is, what purpose your vehicle is used for and your previous claims history. Because your premium is calculated on these facts, amongst others, it is very important that you are honest when answering these and any other questions. If you are not sure about an answer, rather tell the consultant this and get back to them later. It is important to be honest in your dealings with your insurer or broker, including when you register a claim.
WHEN MY VEHICLE IS DAMAGED IN A COLLISON, CAN I HAVE IT REPAIRED AT A PANEL BEATER OF MY CHOICE?
Insures usually require that you repair your vehicle using a supplier on their panel. These suppliers provide a guarantee of their workmanship, once the vehicle has been repaired. This allows the insurer to constantly monitor the quality of the repairs carried out by the panel of suppliers they work with. However, should you insist that you want your vehicle repaired by a panel beater of your choice; the insurer will agree and will give you a cash settlement in lieu of the amount that it would have cost them to repair your vehicle. In such an event, the insurer obviously cannot guarantee the repairs of the vehicle.
WHY DO I NEED TO INSTALL A TRACKING DEVICE IN MY VEHICLE?
Installing a tracking device in your vehicle can greatly reduce the chances of it being stolen, and certainly assists in the recovery of your vehicle if it is. As the risk is reduced, in the event that you claim for a stolen vehicle, you may enjoy a reduced theft excess.
WHAT IS THE DIFFERENCE BETWEEN COMPREHENSIVE, THIRD PARTY, FIRE AND THEFT, AND THIRD PARTY ONLY COVERS?
Comprehensive motor cover gives you the widest range of cover against various incidents such as accidents and theft, including damage you may cause to another party. Third Party only cover, covers only the damage you may cause to a third party. It does not provide cover for any other incident and will not cover the costs of repairing your own vehicle. Fire and theft will only cover damages as a direct result of a fire, explosion and lightening or in an attempted theft, or if your vehicle is stolen.
WHY DOES MY PREMIUM INCREASE EVERY 12 MONTHS EVEN THOUGH THE VALUE OF MY CAR REDUCES IN VALUE OVER A PERIOD OF TIME?
You are not only covered for the theft of your vehicle but also for the repair of your vehicle. The cost of repairing your vehicle and parts used increase every year so your premium unfortunately has to increase in line with these costs even though your vehicle depreciated in value.
TIPS ON HOW TO LOWER YOUR INSURANCE PREMIUMS:
• When signing with the provider with the lowest rates look at their level of cover, client service and value-added benefits.
• Combine your motor and household insurance – combination policies usually cost less.
• Make your car safer – install a tracking device and immobiliser and you may qualify for a substantial discount on your premium.
• Try to keep your claims record clean because, when you make a claim, your premium will in all likelihood go up.
• Don’t claim for small incidents that you could pay for out of your own pocket such as a cracked windscreen on your car or a broken window in your house. These claims only add to your insurance history especially when your excess amounts due is less than the actual cost to repair.
VALUE ADDED PRODUCTS - HOW CAN THEY BENEFIT YOU?
• Top up Cover – covers the difference between the settlement amount and the market value of your motor vehicle.
• Tyre Sure – covers your tyres against road hazards.
• Excess Sure – covers for insuring your excess resulting in less excess payable at a time of the claim.
• Car Hire – a car hired to you while your car is in for repairs.
• Personal Accident – covers you for the death or disability of you, your spouse or any nominated members of your household.
• Dent & Scratches – covers you for minor dents and scratches.
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