Pharmacist, dedicated and hardworking
Resume:
Auto & General Insurance Company Limited
Reg. No.: 1973/016880/06
Auto & General Insurance Company Limited is an authorised financial services provider (FSP licence number: 16354) www.autogen.co.za always there always a pleasure
Auto & General Park
1 Telesure Lane, Riverglen, Dainfern, 2191
P.O.Box 11250, Johannesburg 2000
Dear Ms T Sheik,
YOUR POLICY NUMBER 556354948
You will receive your updated schedule when any changes are made on your policy or when you request your policy schedule. We have therefore included a new policy schedule which replaces all previous schedules. MULTI VEHICLE DISCOUNT
We are always on the look-out of how we can help you save and by relooking our rates, we can offer you Multi-vehicle discounts of up to 15% on each comprehensively insured vehicle, should you add two or more vehicles to your policy. Please remember to read through everything and make sure that the information we have on record for you is correct and up to date. Please let us know as soon as possible if anything changes or needs to be fixed - otherwise your claims or cover may be affected. If you don't want to call us you can update your information on the Internet by going to www.absa.co.za. We strive to make your insurance as easy as possible.
If there is anything that you are unsure about, you can call 080*-**-**-**. You can also email us or visit the website if you have any complaints or compliments. Kind Regards,
The Auto & General Team
Please click on the links below to access your policy documents: Policy Book
Assist Brochure
Expo-Sure Brochure
Cash Back Plus Brochure
SASRIA Annexure - Motor
SASRIA Annexure - Fire
Should you not be able to access your policy documents via the above links, please email us for assistance on ac9odk@r.postjobfree.com.
20 April 2019
Online Admin & Claims: www.absa.co.za
ac9odk@r.postjobfree.com
MS T SHEIK Client Services:
PO BOX 192
GATESVILLE
7766
2
ABOUT YOUR INSURER/PRODUCT SUPPLIER FOR PERSONAL LINES COVER SELECTED FSP:
b) 1973/016880/06
VAT Registration Number:
d) Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191 Website:
f) 011-***-****
The Compliance Officer: 086*-***-***
ac9odk@r.postjobfree.com
The Public Officer 011-***-****
The compliance officer deals with issues relating to Auto & General's compliance with the FAIS act. If you have policy related issues, please call your local insurance hotline at the number that appears on your schedule. Should you have a complaint regarding Auto & General'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 email the details of your complaint to the Compliance Officer at the email address at h) above. In the event of a claim, you must call your local insurance hotline at the number that appears on your schedule. Auto & General 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 Consultants, who currently do not meet the minimum experience and/or qualification requirements as set by the FAIS Act, render services under supervision. Auto & General has professional indemnity insurance. The type of cover that you selected appears on your schedule 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. All excess amounts are exclusive of VAT.
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. Product Supplier:
b) 1979/000287/06
Physical Address:
d) PO Box 653367, Benmore, 2010
Website:
f) 011-***-**** / 086-***-****
Fax:
g)
Compliance Email Address:
The Compliance Department deals with issues relating to SASRIA's compliance with the FAIS Act. Should you have any complaints relating to SASRIA, please email ac9odk@r.postjobfree.com. In the event of a SASRIA Claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary. Auto & General Insurance Company Ltd is an agency company of SASRIA. Auto & General Insurance Company Ltd does have other product suppliers. Please see your policy book for the type of cover that SASRIA provides. RECORD OF ADVICE
Records of any telephonic or online interactions are kept for your and our protection. These records will be made available on request. Step 1: Contact Complaints Resolution
1)
2)
086*-**-**-** ac9odk@r.postjobfree.com
Step 2: Contact Compliance Department
Tel: 086*-**-**-** Email: ac9odk@r.postjobfree.com 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. Tel: Email:
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.
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.
Should you have any complaints regarding the following: COMPLAINTS HANDLING PROCEDURE
l)
k)
j)
i)
h)
Compliance Tel:
ac9odk@r.postjobfree.com
The Compliance Officer:
Tel:
e) www.sasria.co.za
Postal Address:
c) 36 Fricker Road, Illovo
Company Registration Number:
a) Sasria SOC Limited
r)
q)
p)
o)
n)
m)
l)
k)
j)
i) Tel:
h) Email:
g) Tel:
Tel:
e) www.autogen.co.za
Physical Address:
c) 489*******
Company Registration Number:
a) Auto & General Insurance Company Ltd
AUTO & GENERAL LEGAL DISCLOSURES
3
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. 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: Tel: Fax:
086*-***-*** ac9odk@r.postjobfree.com
Postal Address:
Share Number: Email:
www.faisombud.co.za
Postal Address:
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 of 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.” P.O.Box 74571, Lynwoodridge, 0040
Website:
0860 FAIS OM (086*-***-***) ac9odk@r.postjobfree.com
Tel: Fax:
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: P.O.Box 32334, Braamfontein, 2017
Share Number: Email:
Step 3: Contact the Short-term Ombudsman or the FAIS Ombudsman (where applicable) 4
Reg No.: 1970/002732/07
VAT No.: 415*******
Tel: 012-*******
Fax: 012-***-****
YOUR PERSONAL DETAILS
Package:
Policy Number:
Commencement
Date:
Policy Holder: Effective Date:
ID Number: Email Address:
Home Number: Work Number:
Fax Number: Cellphone Number:
Postal Address:
Residential Address:
IF YOU CHANGE ANY OF THESE ADDRESSES AND DO NOT UPDATE YOUR POLICY RECORDS, YOU MAY NO LONGER HAVE INSURANCE.
Bank: Branch:
Account Number: Type of Account:
Account Holder: Date of Birth:
The payment will be collected 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.
Your monthly payment includes a broker commission of 12.50% for the motor section and 20.00% for the non-motor sections of your policy. This broker also charges an administration fee of R 50.00. 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 cancelled immediately.
Ms T Sheik 25 September 1978
4046 96 Savings
Absa Universal Branch
An amount of R 313.77 will be deducted from your bank account on 3 May 2019. Subsequent deductions of R 313.77 will be made on the 3rd of every month to cover you for that calendar month. We have agreed to use the following account for your premium deductions:
PAYMENT DETAILS
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. 136 Haywood Road, CRAWFORD, 7780
PO BOX 192, GATESVILLE, 7766
Not available 064-***-****
Not available Not available
7809 86 ac9odk@r.postjobfree.com
Ms T Sheik 25 February 2019
556354948 8 December 2006
Cash Back Bonus
2DE VLOER, ORANJE-GEBOU, ERASMUSKLOOF, 0048
ABSA INS AND FIN ADV (PTY) LTD
5
Insured Value: Retail Value SASRIA: R 2.02
2006 VOLKSWAGEN POLO 1.6 COMFORTLINE A/T CA675237
Daytime Parking Suburb: Overnight Parking Suburb:
Vehicle Colour: Paint Type:
Vehicle Use:
Cover Type:
Assist: Included
R 229.75
R 2.02
Included
R 3.01
R 50.00
R 313.77
* 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 excesses.
BASIC EXCESS
Regular Driver & Spouse
2006 VOLKSWAGEN POLO 1.6 COMFORTLINE A/T
(CA675237)
R 4,650.00 R 9,650.00
Not Regular Driver or Spouse
MOTOR
TOTAL MONTHLY PREMIUM:
Broker Fee
Discount available for combination package*
Expo-Sure
SASRIA PREMIUM FOR VEHICLE COVER
MONTHLY PREMIUM:
Home, Medical, Trauma and Legal Assistance
Comprehensive
Commuting
Black Metallic
CRAWFORD, 7780 CRAWFORD, 7780
Summary of Your Cover
Vehicle Hire: N/A Sound: R3,772.00
6
(Including students who don't live at home)
Mr M Sheik
Mrs N Sheik
Mrs F Sheik Date of Birth: 13 November 1973
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
Date of Birth: 13 November 1953
Date of Birth: 8 December 1945
MEMBERS OF YOUR HOUSEHOLD ABOVE THE AGE OF 15 YEARS 7
VOLKSWAGEN POLO 1.6 COMFORTLINE A/T 2006 CA675237
BLACK METALLIC
Ms T Sheik 25 September 1978
November 2001 Single
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. None
USE
Cover is valid for private domestic or social use and if the insured vehicle is not used to travel the full distance between a residence and a work place for 12 or more days per month, or on average more than 60% of the time. Monthly Premium
Retail value
Hail Damage R 1.52
R 3,772.00
Window Glass Only Included
R 5,000,000.00
Car Hire: Accident (Cover not taken) Cover not taken Car Hire Type Selected
TOTAL MONTHLY PREMIUM:
* Liability cover consists of Other Damage to a maximum of R 3,000,000.00 and Other Party Property Fire/Explosion damage to a maximum of R 2,000,000.00.
Regular Driver & Spouse
Own Damage/Loss R 9,650.00
R 4,650.00
Sound Equipment R 1,150.00
Window Glass Only R 975.00 R 975.00
R 1,150.00
Hail Damage R 4,650.00
R 4,650.00
Not Regular Driver or Spouse
BASIC EXCESSES
R 229.75
Cover not taken
Car Hire: Theft (Cover not taken) Cover not taken
Liability Cover* R 8.23
Retail Value
Sound Cover R 4.85
Retail value
Own Damage/Loss R 215.15
Maximum Indemnity
COVER – COMPREHENSIVE
SPECIAL CONDITIONS
Licence Issue Date: Marital Status:
Regular Driver: Date of Birth:
Vehicle Colour: Vehicle Paint Type:
Vehicle Cover
8
Where is the vehicle usually parked during the day? 136 Haywood Road Crawford
7780
Area Type:
No
Parking Type:
Address:
Residential suburb
Area Access Control:
In a locked garage
No
Black
Spouse
No
Do you currently have vehicle insurance? Not available No
61-72 months
When last did you claim for a vehicle accident?
Never had a claim
None
Claims submitted/losses in the past two years for the regular driver and spouse (if applicable): PREVIOUS CLAIMS/LOSSES
When last did you claim for a stolen vehicle?
Never had a claim
For how long have you had uninterrupted comprehensive vehicle insurance?
Have you ever had your insurance cancelled or an Not available application refused?
Yes
Has your Licence been endorsed in the last five years? Not available Regular Driver
HISTORY
What is the colour of the vehicle?
Has the vehicle's engine been upgraded to increase performance? Parking Type:
No
Area Type:
136 Haywood Road
Crawford
7780
Where is the vehicle usually parked overnight?
In a locked garage
Area Access Control:
Residential suburb
Address:
OUR QUESTION YOUR ANSWER
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.
Contact this candidate