Imibuzo ejwayelekile ukubuzwa

Unemibuzo ? Ngale ndlela.

Imibuzo Evame Ukubuzwa, amathiphu, nolwazi lwezihloko ngemikhiqizo namasevisi wethu. Qhubeka ubheka futhi lapha njengoba sizobuyekeza leli khasi njalo.

  • Ulwazi Lwenkampani
  • Ulwazi Lomkhiqizo
  • Ulwazi Lokusekela

Imininingwane Yenkampani:

I-Prenure™ yakhe indlela entsha yokunikeza umshwalense wamabhizinisi amancane emakethe yama-SME. Sidale imikhiqizo elula neqondakala kalula, ebhalwe phansi i-Auto&General, futhi iphethwe i-Monitor yesevisi yomqondisi oholayo. Sikholelwa emandleni amabhizinisi okuthola ikhava esheshayo nesheshayo ongayithenga ku-inthanethi. Uma kwenzeka kuvele inhlekelele, sizibophezela ekusingatheni isimangalo sakho ngesikhathi nangendlela yobungcweti, esisingathwa yi-ejenti yezimangalo ezinikele. 

I-Prenure Group (Pty) Ltd (inombolo yokubhalisa 2024/219416/07) yinkampani ehlinzeka ngemikhiqizo yomshwalense wesikhashana oklanyelwe amakhasimende ebhizinisi. Ubuchwepheshe bethu bulele ekuthuthukiseni imikhiqizo yomshwalense emisha kanye nokunikeza le mikhiqizo kumakhasimende ethu ngokusebenzisa inkundla yethu ye-inthanethi yomshwalense elula ukuyisebenzisa nethembekile. Sisebenzisana nabahamba phambili embonini ukuze sikunikeze isevisi ethembekile nethembekile.

I-Prenure™ ingummeleli (umsabalalisi) ogunyaziwe we-Aspis (Pty) Ltd, Reg. No. 2011/005416/07, Umhlinzeki Wezinkonzo Zezezimali Ogunyaziwe (FSP 48407). I-FSP yinkampani egunyazwe yi-Financial Sector Conduct Authority (FSCA) ukuze inikeze izinsiza zezezimali emphakathini. I-Aspis iqinisekisa ukuthi yonke imikhiqizo namasevisi ahlinzekwa yi-Prenure™ ahlangabezana nemithetho yeziphathimandla zesevisi yezezimali, futhi akhona ukuze anikeze iseluleko kumakhasimende uma enemibuzo ehlobene nanoma yimiphi imikhiqizo yomshwalense ehlinzekwayo noma imigomo yeshejuli yenqubomgomo yawo.

Imikhiqizo yomshwalense ehlinzekwa yi-Prenure™ ibhalwe phansi yi-Auto & General Insurance Company Limited.

I-Auto & General yiqembu lomshwalense lamazwe ngamazwe elihlinzeka ngemikhiqizo namasevisi omshwalense anhlobonhlobo. Isungulwe ngo-1985, inkampani isebenza emazweni amaningana, okuhlanganisa iNingizimu Afrika, Australia, kanye ne-Europe. Kwaziwa ngokunikeza izixazululo zomshwalense kuyo yomibili imikhakha yomuntu siqu neyezohwebo.

I-Auto & General isebenza njenge-underwriter yemikhiqizo yomshwalense. Ukubhala ngaphansi kuhilela ukuhlola ubungozi obuhlobene nokufaka umshwalense womuntu noma impahla, ukunquma iprimiyamu (inani) yaleyo ngozi, kanye nokuthola imigomo nemibandela umnikazi wepholisi akhavwe ngaphansi kwayo.

Njenge-Prenure™, sizokwazisa nganoma yiziphi izaziso ezibalulekile ezivela ku-Auto & General, sikunikeza okungenani isaziso esibhaliwe sezinsuku ezingama-31 nganoma yikuphi kokulandelayo:

  • kukhona izinguquko emigomeni nemibandela yalo mgomo,
  • kukhona izinguquko ezinzuzweni noma kumaphrimiyamu owakhokhayo, noma
  • noma uma uhlelo ohlinzekwa ngalo ikhava yakho lunqanyuliwe.

Sizokwazisa futhi uma inqubomgomo ikhanseliwe ngenxa yezenzo ozenzayo njengezinkokhelo ezigejiwe noma ukuhlinzeka ngolwazi olungamanga.

I-Monitor Administrators, njengoba igunyazwe i-A&G ukuthi ilawule izimangalo, izibophezela ekuxazululeni izimangalo ngendlela ephumelelayo ngangokunokwenzeka, lapho sithola wonke amadokhumenti adingekayo. Banelungelo lokuphenya ukufaneleka kwazo zonke izimangalo ezitholwe ngaphambi kokugunyazwa. Zonke izicelo zizokhokhwa ngaphakathi eNingizimu Afrika futhi zilawulwa yimithetho yaseNingizimu Afrika.

Uma kwenzeka kwenzeka isigameko esinomshwalense, sivela esicelweni esivumelekile, kufanele:

  1. Ngokushesha ngangokunokwenzeka ngemva kokuthola ukulahlekelwa noma umonakalo, faka isimangalo ngokusebenzisa iziteshi ezilandelayo: Ucingo – 031 812 2057, i-imeyili – prenureclaims@monitorsa.co.za
  2. Zingakapheli izinsuku ezingama-30 (amashumi amathathu) zokulahlekelwa noma umonakalo kufanele ube usubikile futhi unikeze lonke ulwazi olufanele kanye nemininingwane yesicelo njengoba sikucelile, noma isicelo sakho singanqatshwa.
  3. Qaphela ukuthi abalawuli, bangacela noma yimiphi imibhalo edingekayo ukuze basekele isimangalo.
  4. Qaphela ukuthi ezimeni ezithile, isikhathi sokulinda siyasebenza ngaphambi kokuba isicelo sithunyelwe.
  5. Lapho kunesidingo, khokha imali eyeqile ngaphambi kokuba isicelo sakho sikhokhelwe.

Njenge-Prenure™, silazisa kakhulu ilungelo lakho lokuvikela ulwazi lwakho lomuntu siqu, futhi sikubheka njengesibopho sethu ukuqinisekisa ubumfihlo bayo, ukuphepha, kanye nokuphepha kukonke. Ulwazi lwakho lomuntu siqu, osinikeza lona ukuze kugcwaliseke izinsizakalo zomshwalense, luzocutshungulwa ngezinhloso ezimbalwa. Lokhu kubandakanya ukukunikeza iseluleko, imikhiqizo, namasevisi ahlangabezana nezidingo zakho ezithile, ukuhlola ubungozi bezezimali nomshwalense, kanye nokucubungula izimangalo nezikhalazo. Ukwengeza, sisebenzela ukuthuthukisa kanye nokuthuthukisa amasevisi nemikhiqizo esiyinikezayo, senze ireferensi yekhredithi kanye nokuqinisekisa imininingwane yomuntu siqu, futhi sinqande futhi sithole ukukhwabanisa. Siphinde sizibandakanye ekucwaningeni, ekugcinweni kwamarekhodi, nasekuqinisekiseni ukuthobelana nezimfuneko zomthetho nezokulawula. Ngaphezu kwalokho, ngenxa yezizathu ezizwakalayo, ezinjengokuvimbela ukukhwabanisa nokuqinisekisa izimangalo, singase sabelane ngomshwalense wakho kanye nolwazi lwezimangalo nezinye izinkampani zomshwalense kanye nezinhlangano zemboni.

Unelungelo lokucela ukufinyelela kulwazi lomuntu siqu esinalo ngawe futhi ungacela izinguquko uma kukhona amaphutha noma ucele ukususwa uma singekho isizathu esizwakalayo sokuthi sikugcine. Uma ukholwa ukuthi sicubungula imininingwane yakho ngokungekho emthethweni, unelungelo futhi lokufaka isikhalazo ku-Information Regulator.

Ulwazi Lomkhiqizo:

I-Prenure™ inomshwalense owehlisiwe wabanikazi bamabhizinisi amancane ngokuthatha izinhlobo eziningi zekhava (idivayisi, okokusebenza, isakhiwo, impahla, ingozi, ukufa, nokukhubazeka) futhi ikuhlanganise ndawonye kube izigaba zekhava ezilula nezicacile ezinenani langaphambili. Akukho okumangazayo, akukho nqubo ende yokubhalisa. Kanye nekhono lokuthuthukisa, ukwehlisa noma ukukhansela uhlelo lwakho lomshwalense ekupheleni kwenyanga yokukhokha, ngaphandle kwezinhlawulo - konke kwenziwa ku-inthanethi ngekhasi le-akhawunti yakho yokuzisiza.

Ikhava Yedivayisi Yedijithali ihlinzeka ngokuvikeleka kokulahlekelwa ngokomzimba noma ukulimala okuyiphutha nokungalindelekile, okuhlanganisa ukuntshontshwa, ukulahlekelwa, kanye nomonakalo owuketshezi, kumadivayisi edijithali anomshwalense njengamaselula, amakhompyutha aphathekayo, amathebhulethi, noma imishini yamakhadi. Lokhu kukhava kusebenza eNingizimu Afrika, kanti idivayisi efakwe kumshwalense kufanele ibe ngaphansi kweminyaka emibili ngesikhathi ipholisi iqalwa, okumele ifakazelwe esigabeni sezicelo. Lapho sithumela isimangalo, sizohlola ukufaneleka kwaso futhi sinqume ukuthi idivayisi izolungiswa yini futhi ibuyiselwe esimweni sayo sangempela sokusebenza noma indawo yayo ifakwe uhlobo olufanayo nemodeli, noma efanayo ngokusebenza okufanayo. Ukuze idivayisi imbozwe, ikhasimende kufanele lengeze ukwakheka kwamadivayisi, imodeli, inombolo ye-serial/IMEI esigabeni semininingwane yenqubomgomo ye-Prenure lapho lihlola noma ngemva kwalokho esigabeni se-akhawunti yami. Kunesikhathi sokulinda esiyizinsuku ezingama-30 ngaphambi kokuthi izicelo zithunyelwe kusukela ngedethi yokuqala kwepholisi.

Kodwa-ke, izimo ezithile azikhaviwe, njengomonakalo osuvele ukhona, ukuguga, ukuguga, noma ukulimala okungaphezulu ezingxenyeni ezingaphandle ezifana namakesi noma amakhiphedi. Ukulahlekelwa ngenxa yokweba emotweni engagadiwe akubandakanywa ngaphandle uma imoto ibikhiyiwe, idivayisi ifihliwe, futhi bekungene ngenkani. Ukwengeza, ikhava ayidluleli ekulahlekelweni okungachazeki, ukulimala kwezinsiza, noma ukulahlekelwa okubangelwa ubudedengu, izenzo zamabomu, noma ukwehluleka ukuvikela idivayisi ngenkathi ishaja. Okunye ukukhishwa kufaka phakathi ukulahlekelwa okudalwe izinkinga zesofthiwe, amagciwane, ukulungiswa okungagunyaziwe, kanye nomonakalo ngenxa yezibhelu, iziteleka, noma izenzo zobuphekula.

I-Stock, Equipment, kanye Nekhava Yokwakha inikeza isivikelo emonakalweni ngengozi nangokomzimba esitokweni, okokusebenza, kanye nezakhiwo ngenxa yezenzo zikaNkulunkulu noma i-force majeure, njengomlilo, iziphepho, umbani, ukuqhuma, umoya, isichotho, iqhwa, nokulimala kwamanzi. . Ikhava ibeka umkhawulo omkhulu wanoma yisiphi isimangalo esisodwa, esifaka zonke izigaba ezintathu: isitoko, okokusebenza, kanye nezakhiwo. Lapho uthumela isimangalo, uma sesihloliwe futhi sesiqinisekisiwe, isamba sokukhokha senziwa sibe yinani elinomshwalense elishiwo kukhava yakho. Ukufakwa kuncike ezimweni ezithile: isitokwe kanye nezinto zokusebenza kufanele kugcinwe ekhelini elilodwa elivikelekile lengozi esakhiweni esikhiwe ngezitini nodaka elinezicabha ezikhiyekayo namafasitela avikelekile. Kungafika ku-20% wesilinganiso esiphelele singanwetshwa ukumboza isitoko esingekho endaweni lapho sihweba ezimakethe zamabhizinisi amancane ezaziwayo, njengabalimi noma izimakethe zemisebenzi yezandla, kanti omunye u-20% ungabelwa umonakalo wokwakha odalwe izehlakalo ezingalindelekile nezingalindelekile.

Kodwa-ke, ikhava ayibandakanyi ukweba noma ukulahleka kwemfuyo nezinto zokusebenza, kungakhathaliseki ukuthi kungaphakathi kwesakhiwo esikhiyiwe noma kushiywe kungagadiwe obala. Ukwengeza, izakhiwo ezitholakala phakathi kwamamitha angu-200 omfula, umfula, noma i-floodplain azifaneleki ukufakwa. Ikhava futhi ayibandakanyi umonakalo esitokweni namathuluzi ashiywe obala ngaphandle, kukuthutha, noma kunoma iyiphi indawo engafakiwe kuhlu lwekhava, ngaphandle kwalapho kusemakethe esunguliwe. Umonakalo wesakhiwo ngenxa yokungalungiswa kahle, ukuwohloka kancane kancane, ama-landslip, noma amapayipi avuzayo nophahla akumbozwa, futhi nokwebiwa kwanoma iyiphi ingxenye yesakhiwo noma izakhiwo zaso ezinamathiselwe. Kunesikhathi sokulinda esiyizinsuku eziyi-14 ngaphambi kokuthi izicelo zithunyelwe kusukela ngedethi yokuqala kwepholisi.

Ukuze ufake isimangalo, kuzodingeka imibhalo ethile, okuhlanganisa ubufakazi bobunikazi noma isivumelwano sokuqashisa isakhiwo, ubufakazi bomonakalo (njengezithombe noma umbiko womhloli), kanye nobufakazi benani lesitoko esilimele, okufanele sihlale sitholakala. ukuze zihlolwe. Izimangalo kufanele ziqinisekiswe ngemibhalo efanele ukuze kuqinisekiswe ukuqinisekiswa okufanele kanye nokuxazululwa kahle.

Ikhava Yengozi Yomuntu Siqu ihlinzeka ngosizo ezindlekweni zokulimala okubangelwa ingozi, kanye nesamba senzuzo uma kwenzeka umuntu efa noma ukhubazeka ngokuphelele (i-PTD) okubangelwe ingozi. Le khava isebenza kumnikazi wepholisi kanye nabasebenzi abafika kwabahlanu, kuye ngesigaba esikhethiwe se-Prenure Business Insurance Cover. Izimangalo zivumelekile uma ukufa noma i-PTD kanye nezindleko zezokwelapha ezihlobene zivela engozini engazelelwe, engalindelekile engenzeka noma nini nanoma iyiphi indawo, hhayi nje ikheli lebhizinisi. Ngemva kokufaka isicelo, umshwalense uzokhokha izindleko ezisemthethweni zokulimala ezedlula u-R500 wokuqala owakhokhwa ngumfakisicelo futhi uzohlinzeka ngesamba senkokhelo yokufa noma i-PTD ngokusekelwe enanini elinomshwalense elishiwo kupholisi.

Nokho, kukhona okungafakwanga okuthile. U-R500 wokuqala wanoma yiziphi izindleko zokulimala uwumthwalo womfakisicelo, futhi ikhava ayisebenzi ekufeni noma ukukhubazeka okubangelwa ukugula. Izimangalo azikhaviwe lapho ukukhubazeka noma ukufa kwenzeka ngaphezu kwezinyanga eziyi-12 ngemva kwengozi ehlobene, ngisho noma ingozi yenzeke ngemva kwedethi yokuqala yenqubomgomo. Ukufa noma ukulimala okubangelwa ukukhubazeka kwengqondo, ukuzilimaza, ukuhlanganyela emidlalweni eyingozi, noma ukuzibulala nakho akufakiwe. Ukuze ufake isimangalo, kungase kudingeke imibhalo ethile njengesitifiketi sokufa noma imibiko yezokwelapha esekela i-PTD. Kunesikhathi sokulinda esiyizinsuku ezingama-30 sokuthola usizo kumuntu ngamunye osohlwini lwepholisi, kodwa akukho okwedlulele okukhokhelwa izicelo zezingozi zomuntu siqu.

I-Crisis Concierge Cover iyisevisi enevelu enikezwa nge-Trackbox Technologies futhi itholakala kuwo wonke amazinga ekhava. Le sevisi inikeza ukusekelwa kwamahora angu-24 ezimeni eziphuthumayo ezihlukahlukene, njengezehlakalo zezokwelapha noma zokuphepha ezidinga i-ambulensi noma ukukhishwa esibhedlela, ukuthunyelwa okuhlobene nesevisi ngezindaba ezinjengokudonsa imoto noma ukufaka amapayipi, kanye nezixwayiso zenkinobho yokwethuka ezibiza amaphoyisa noma usizo lwezokuphepha.

Ngokukuxhumanisa ngokuqondile ne-Trackbox Emergency and Response Center (ERPC), exhunywe kubaphenduli bezimo eziphuthumayo abangaphezu kwe-100 ezweni lonke, isevisi iqinisekisa ukusabela okusheshayo nangempumelelo ezidingweni zakho. Ubuchwepheshe bokulandelela indawo obusetshenziswa i-Trackbox buvumela ukuthunyelwa kosekelo oluseduze nolufaneleka kakhulu ngokusekelwe esimweni sakho esiphuthumayo.

Noma iyiphi inkinga ehlobene nawe, ibhizinisi lakho, noma izisebenzi zakho zingabikwa, futhi icala ngalinye lisingathwa ngalodwana ukuze kuqinisekiswe ukwesekwa okuphelele phakathi nezimo eziphuthumayo. Izingcingo zokulandelela zenziwa ngemuva kwenhlekelele ukuze kuqinisekiswe ukuthi konke kuhamba ngohlelo. Ungaxhumana ne-Crisis Concierge Cover ngocingo (010 590 8422) noma ngohlelo lokusebenza lwe-AAA Emergency Response, ngohlelo lokusebenza oluncanyelwayo ngokulandelelwa kwendawo okusebenzayo, ukusheshisa izikhathi zokuphendula.

Ulwazi Lokusekela:

Kwa-Prenure™ silwela ukuthi amakhasimende ethu axhumane nabasebenzi bokwesekwa kwangempela lapho ekudinga, nanganoma isiphi isiteshi asithandayo. Awekho ama-bots, awekho olayini, ukusizakala nje ngesimo esiphuthumayo noma ngombuzo olula womkhiqizo.

Sicela uthinte isikhungo sokuxhumana se-Prenure™ ku:

Shayela: +27600109542

I-imeyili: hello@prenure.com

WhatsApp: 060 010 9542

Qaphela: Asikho iseluleko esiqondile somshwalense esinganikezwa mayelana nokukhethwa kwendiza yakho yomshwalense.

Sicela uthinte isikhungo sokuxhumana se-Aspis (egunyaziwe i-FSP 48407) ku:

Shayela: 031 818 0005

I-imeyili: info@aspis.co.za

Qaphela: I-Aspis igunyaziwe ukuthi ikunikeze iseluleko nosizo ngokukhetha uhlelo lwakho lomshwalense.

Uma ufisa ukubuza noma ukwandisa noma yiziphi izindaba zokuphatha eziphathelene nenqubomgomo yakho, sicela uthinte:

Gada Abalawuli:

031 812 2057, prenure@monitorsa.co.za

I-FAIS DISCLOSURE ISAZISO singabukwa lapha.

Lo mkhiqizo womshwalense udalelwe ukuhlangabezana nezidingo zamakhasimende ethu. Izimiso zohlaka Lokuphatha Amakhasimende Ngokufanelekile (i-TCF) zibhekwa ngokungathi sína Umhlinzeki Womshwalense futhi yonke imiphumela eyisi-6 (eyisithupha), njengoba kushiwo ngezansi, yenziwa ngazo zonke izikhathi yibo bonke abathintekayo emikhiqizweni yomshuwalense namasevisi anikezwayo. Sizokwenza, ngakho konke ukusebenzelana kwethu nanoma yiliphi ikhasimende, sizame ukuletha ulwazi oluhle kakhulu lwamakhasimende esizoluthola ngokubuyekezwa okuqhubekayo kwayo yonke imikhuba yethu yebhizinisi nokuhlaziya izikhalazo. Kuyinhloso yethu ukuba nobulungisa ekuphatheni kwethu bonke abathengi nozakwethu kanye nokuthobela, kuzo zonke izici, emiphumeleni eyisi-6 (eyisithupha) yohlaka lwe-TCF.  

Le miphumela yilena:

  1. Uyaqiniseka ukuthi impatho yakho enobulungiswa iwukhiye esikweni lethu;
  2. Imikhiqizo namasevisi akhelwe ukuhlangabezana nezidingo zakho;
  3. Sizoxhumana ngokucacile, ngendlela efanele nangesikhathi;
  4. Uyakwazi ukufinyelela izeluleko ezigunyaziwe ezifanele izidingo nezimo zakho;
  5. Imikhiqizo yethu namasevisi ahlangabezana nezindinganiso zakho futhi asezingeni elamukelekayo; futhi
  6. Azikho izithiyo zokufinyelela isevisi yethu noma ukufaka izikhalo.