Sapcor, an Authorized Financial Services Provider
Official Sapcor Newsletter : Issue 9 / March 2008
With 2008 well under way, we bring you some pointers to ensure that the balance of the
year runs smoothly.
As claims are becoming more evident in the insurance industry, we wish to remind policy
holders of their obligations.
DO YOU REMEMBER YOUR PERSONAL POLICY CONDITIONS
Ensure that you are adequately insured, as averages will be applied with regard to claims in this section of your
Theft must always be accompanied by forcible, visible and violent means of exit or entry to the premises. Items
which are lost / mislaid or pinched without the above conditions applying, will not be eligible for cover under your
house content insurance.
Should your policy include an alarm warranty clause, you are liable to ensure that your alarm is armed at all times
when the premises are left unoccupied or when you turn in for bed at night. It remains the policy holders
responsibility to ensure that the alarm is in working condition.
SABS Lightning protector plugs must be installed for protection of electronic items / appliances, to
safeguard against lightning damage.
NB: No provision is made for power surge or load-shedding damage under your insurance policy.
General items, if insured and removed from the residence / insured address, is limited to a claim value
of R1000-00 per item to the maximum value insured. The following items must be specified to ensure cover.
Cellphones & carkits
Glasses (prescription & sunglasses) with a value
Baby carseats & prams
Jewellery with a value exceeding R1000.
Non-factory fitted vehicle radios.
Item / s stolen from an unattended vehicle will not be
covered unless the item /s is / was concealed and out of
sight, in either a locked boot or locked cubbyhole, at the
time of the theft.
WHAT'S NEW NEWS
Liabilities regarding Construction Policy Updates
When renovating your home, it is prudent to take You are reminded and urged to ensure that
additional cover in the form of a Contractors household goods, buildings and all risk items
Liability Policy. should be revised on a regular basis, to cater
for both inflation and replacement
Renovation / s is / are defined as follows for purposes costs. Kindly contact our offices at
of insurance : “an alteration / s to the current structure email@example.com to advise whether
of the house / residence, which requires the expertise you require your policy to be revised and updated.
of legitimate contractors”. Examples would
include additional rooms, a new and Car Hire (Only applicable to Hollard,
refurbished kitchen, installing a pool or an extension Santam Domestic & New National policy holders).
to an existing part of the house / residence.
Do you have an additional vehicle available to
Take note Insurers exclude liability on certain parts drive in the event of your vehicle being damaged
of household insurance cover, as it is maintained that or will you be stranded ?
any damage resulting from renovations should be the
sole responsibility of the contractor. Ensure peace of mind by taking out the Car
Hire Option as this makes provision for alternative
transport in the event of unforeseen
1) R58 per month ensures cover in the event of
theft, accident, hi-jacking & write-off.
2) R18 per month ensures cover in the event of
theft, hi-jacking & write-off.
SAPCOR BRANCH OF THE YEAR COMPETITION 2008
On the 14th of March 2008, the Gordon’s Bay and Natal
branches were joint winners of Sapcor’s prestigious “Branch of
the Year competition”, with a prize of R50 000.
Both branches were serious contenders and were awarded this
prestigious accolade jointly, based on evaluation criteria which
included growth and claims ratio’s.
Glasfit Secure Tint is currently promoting a limited special offer of 25% discount on the normal retail price of
smash & grab film. Glasfit Secure Tint Pty (Ltd.) was established in 2003 to service the ever expanding security
needs of the Glasfit customer base. The company fits safety and security film to vehicles, buildings and homes
and the procu range spans from 100 micron safety films to 375 micron bullet resistant security laminates.
Glasfit is the only safety film company to be approved by three vehicle manufacturers, namely BMW, General
Motors and Ford SA. They also do OEM work for Toyota, Honda, Renault, Land Rover and Hyundai.
Glasfit offers the following package:
National network of well-trained and certified technicians.
The highest rated Safety & Security films in the world. For more
information visit www.securetint.com.
A lifetime warrantee on all films.
Centralised billing and Call Centre facilities.
A well established and trusted brand.
Volkswagen Citi Golfs
Volkswagen Citi Golf’s rank as sought after vehicles with a high theft risk.
Should you be considering buying a VW Citi Golf, you are advised to ensure
that adequate security is installed. A Tracking Recovery System is now a
requirement and must be installed in the following vehicles.
Citi Blues, Citi Deco, Citi Chico 1.3, Citi Chico 1.3 LUX, Citi Sonic 1.3, Citi Chico 1.4,
Citi Rhythm 1.4, Citi, Chico 1.4i, Citi Com1.4i, Velociti 1.4i, Chico 1.4, Citi Rhythm 1.4,
Citi 1.4i, Velociti 1.4i, Citi Chico 1.6i, Citi Life 1.6i, Velociti 1.6i, Citi 1.6i, Velociti 1.6i,
Should any of the above vehicles be insured and a tracking device not be fitted, theft cover will be suspended.
If you are not resident in a 24-hour guarded security estate, you are
reminded that your vehicle should be parked behind locked gates or
in a locked garage at your risk address, between 18h00 and 06h00.
Should your vehicle be fitted with a tracking device, ensure that the
device is tested and inspected every 6 months, so as to ensure that
the device is in a working order.
Sapcor must be notified if any children under the age of 25 years
have become regular drivers of any of the vehicles on your policy.
Ensure your vehicle security complies to the requirements set out in your policy schedule.
Understand the use of your vehicle
Private Use: Domestic, social, pleasure excluding business & professional purposes. Travel to
and from your work or office is included.
Business Use: The use of a vehicle to do business, like representatives and marketers.
Commercial Use: Cover is not included under your personal policy. This is defined as the conveyancing of
goods for trade purpose, ie. Building contractors.
On a lighter note, Sapcor Charity Club elected to support various Childrens Homes which are in dire
need of both funds and goods.
In December, a donation of soccer balls was made as a Christmas gift for all the boys residing at
Durbanville Kinderhuis in Cape Town.
A donation was also made to “Ebenauser” in Pretoria West to contribute to the pocket and spending
money for 33 children going on holiday.
Various items of clothing and childrens toys was also donated to the needy in Silverton Pta.
Head Office Branches
Tel: 012 998 8295 Pretoria: 012 998 8295 Durban: 031 562 8966
Fax: 012 998 8921 Johannesburg: 011 462 2528 Nelspruit: 013 744 1444
firstname.lastname@example.org Cape Town: 021 856 1527 Bethlehem: 058 303 3516
www.sapcor.co.za Bloemfontein: 051 448 1907 East-Rand: 011 826 3649
* Click on Branch to Email