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Santam Home Protect
   

This product is an affordable new insurance option, aimed at entry level consumers seeking insurance for their home contents and building cover on a stand alone basis. This product gives insurance options at very affordable premiums, and the opportunity for clients to start building an insurance history.

The client may also purchase legal insurance at an additional premium or as a stand alone. They can also include liability cover as well as Personal Accident Cover. The client can even insure the geyser (normal or solar), limited to a maximum of 2 geysers per building, at a rate of R25.00 per geyser.

FSP Solutions will facilitate all the administration, premium collections and commission payments. Claims will be handled by the Santam specialist division for this product. Full regulated commission will be paid to intermediaries on all successful premium payments.

WHAT WILL BE COVERED?

  • Natural disasters
  • SASRIA
  • Theft - theft of contents is limited per claim to a maximum of 10% of the contents sum insured, as stated in the schedule and no more than two claims in a 12 month period. Certain items like cell phones, laptops, tablets etc are excluded from cover. Please refer to the terms and conditions in the product information.

WHO WILL QUALIFY?

All of the following criteria must be met:

  • To insure the structure, your client must be the legal owner of the house
  • If your client does not own the house they live in, they can still insure their contents
  • The house must have brick walls and either a tiled, asbestos or corrugated iron roof
  • Client must have a valid ID number - no passports allowed
  • The house must have a valid and registered address
  • The client must have an active cell phone number for communication purposes, especially in times of a claim.

HOW DO YOU OBTAIN QUOTES ON THIS PRODUCT?

  • Obtain a quote online directly from our system by selecting the "Santam Home Protect" icon OR
  • Phone our call centre to obtain a quote (please ask for this option before we start capturing all of the clients personal details) OR
  • Calculate the premium yourself by utilising the rates as indicated on the application form (pdf).

HOW DO WE ACTIVATE THE POLICY?

  • Instruct us to contact your client and we do the underwriting telephonically OR
  • Complete the application form with the stated rates. Get your client to sign the application form, email it to underwritehome@fspsolutions.com

PRODUCT INFORMATION

  • Home Protect Application Form [ pdf ]
  • Home Protect Process Flow [ pdf ]
  • Home Protect Product Training [ pdf ]


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