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Unity Motor & Househould Insurance

Company Profile

Empowered Insurance
Established in November 2004, Unity Insurance Limited was founded on the principle that economic empowerment is necessary to enhance the future success of South Africa.

As such, Unity has been established as a truly Black Empowered, short-term domestic underwriter which delivers specialist short-term insurance products that address the lifestyle needs of all South Africans. The company takes its products to market through various channels including a national network of brokers and affinity partners, thereby creating employment and contributing to South African business development.

Unity Insurance believes that its strength and prospects for growth is based on a fine balance between people, innovative products, service excellence, competitive pricing and state-of-the-art technology. The successful combination of these factors enables Unity to address the market’s requirements for convenient and cost-effective insurance solutions.

Its centralised sales force boasts a multi-faceted support structure, which guarantees optimum delivery on all levels, from quotations to instant confirmation of cover. The Unity Insurance call centre ensures professional advice and seamless electronic contracting in conjunction with telephonic voice logging for the legal protection of all parties. Unity’s highly acclaimed individual risk underwriting platform plays a central role in the creation of large-scale cost-savings that are passed onto partners and clients in the form of highly competitive, value-added packages.

Broker and partner convenience is enhanced countrywide through an insurance hotline that effectively handles all claims and administration queries, operational support and training.

Black Empowerment
Unity Insurance is committed to transformation within the short-term insurance industry and to increasing the participation of Black businesspeople in the financial sector. This approach is reflected in its clearly defined, well-implemented empowerment policy. Unity Insurance boasts impressive empowerment figures. With the Financial Sector Charter recommending a target of 25% Black ownership by 2008, Unity Insurance’s 49.9% Black ownership puts it well ahead of this target.

At Unity, each shareholder is required to participate meaningfully in the company – no tokenism or window dressing is entertained - which allows the shareholders to earn the respect of the industry and their peers.

Strength Supported by Market Leaders
Unity Insurance has the backing of a proven leader in the short-term insurance arena, Auto & General Insurance.

In South Africa, Auto & General is a household name and has recently celebrated its twentieth anniversary of being a trusted provider of superior insurance products. Furthermore, Auto & General was recently voted top insurer in South Africa for its excellence in claims handling and overall client care by the South African Financial Services Intermediary Association (SAFSIA).

The company boasts an A+ rating for its claims paying ability from the Global Credit Rating Co. and is a loyal member of the Proudly South African initiative.

Portfolio of Offerings
Unity Insurance has introduced a 360-degree lifestyle solution, adding refreshing innovation and value to the South African short-term landscape.

Its portfolio of traditional policies consists of the following cover:

   Motor, Off-Road Comprehensive and Motorcycle;
Home Contents;
Portable Possessions;
Loose Contents of Caravan;
These lifestyle products can be purchased on either stand-alone or package combination basis.

Each insurance package can add the following Lifestyle Benefits:

   a ‘Siyabonga Bonus’ which pays the client back in cash either 25% of premiums paid over the term or the entire first year’s premiums - whichever is the lesser - after four years of claim-free, uninterrupted insurance.
Automatically included with the Siyabonga Bonus will be:
  • Unity Care: Covers the client against accidental exposure to HIV/Rape which ensures confidential testing and treatment, for any member of the insured household;
  • Unity Assist: Covers road accident and breakdown, home, legal and trauma assistance service which provides full access to professional specialist in the event of an emergency;
  • A Premium Waiver which covers payment of the motor & household premium for a period of up to 6 months in the event of the insured’s:
    • Death;
    • Retrenchment;
    • Permanent and total disablement;
    • Diagnosis of a dreaded disease.
Every Unity Insurance client also enjoys the options of extending their primary portfolio with further lifestyle benefits at extremely cost effective monthly rates. These products are:
Unity Funeral Policy;
Unity ‘Like-New’ - minor vehicle damage repair Policy;
Unity Personal Accident Policy;
Unity Cell Phone Alone Policy;

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