Certainty versus uncertanity
At IF we pride ourselves on providing exceptional customer service.
Personal insurance solutions
We provide assistance in selecting the right insurance for your needs. This can often be seen as a difficult, time-consuming task.
We understand your time is a precious commodity and that insurance can seem to have a lot of technical jargon but we will speak to you on a level you understand whilst you manage your business and we can manage your insurance requirements.
We provide risk management
We are experts in risk management and this is a value added service, whereby small steps can be taken to improve your business risks. This can have a positive overall effect on your risk exposure and in turn, your insurance premiums. We will gladly assist where possible to get the most of your insurance cover requirements and represent your efforts to the insurers.
This cover is designed to protect you financially against loss or damage to the actual physical structure of your home – which is probably your single largest investment and it will also extend to cover your home loan. If you own a property which is financed, you are required by the financial institution to have homeowners insurance. It is commonly believed that its compulsory to have homeowners insurance with the bank that granted your home loan however this is not the case, it may be beneficial to choose the company that is already insuring your car or other valuables.
While the buildings cover protects against loss or damage to the physical structure of your home, it doesn’t cover what’s inside. Since the financial investment you have made in the contents of your home is likely to be considerable, even if you calculate the contents you’ve put into one room, a loss could be devastating to replace your belongings. It is important before you insure the contents of your home to make a list of each room and find out how much it would cost to replace each item at today’s prices – which is not the same price as you bought the items. Add everything together and determine your total replacement value.
Personal Valuables Insurance
This is separate to Buildings and Contents cover as it covers your general valuables – things you usually wear or carry away from home – like clothing, handbag or briefcase. It also lets you insure specified items individually like laptops, spectacles, bicycles, jewellery and the like as specified items.
Next to your house, your car is probably your biggest and most expensive asset – having reliable short term insurance will give you the financial protection and peace of mind you need. Depending on your needs there are various covers available: Comprehensive Car Insurance, Third Party Fire and Theft Insurance and Third Party cover only. While selecting more restrictive motor insurance such as Third Party Fire and Theft or Third Party Only, your premium may be lower if you don’t choose Comprehensive cover, bear in mind that if you damage or write off your car in an accident you will have to cover the costs yourself.
Pet’s are family too… Pet health insurance helps to pay for veterinary care when a pet dog or cat becomes ill or is injured. This provides you with peace of mind and helps you avoid having to make tough financial decisions about your pet’s health. While your pet might be healthy today, there is no way to predict what might happen in the future. With the correct pet insurance, you’ll be able to make sure that your pet has access to the best care possible in the event of an unforeseen illness or accident.
Quick quote request
Reporting your claim is a simple process.
Simply let us know when you need to register a claim and follow these steps.
Complete and return the relevant claim form to our offices with the required supporting documentation.
Our team will confirm receipt and submit to the relevant insurer. Once the claim number and insurers advice is received.
We will keep you informed and updated each step of the way.
Frequently Asked Questions
Insurance costing is based on a variety of factors including but not limited to – risk profile, type of business, what is being insured and previous claims. We ask you these questions in order to make sure that we are in the best position to represent your business to insurers to obtain the best possible rates.
Quotes are obligation free and provided that we do not need to obtain surveys or valuations, there will be no cost for a quotation.
Provided we are the brokers on your account we would be able to assist you with claim formulation, submission and representation to the relevant insurer.
IF Administrators (Pty) Ltd is an authorised financial services provider – FSP 45715