ENVOY - Alexander Forbes

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					ASSISTANCE SERVICES!                                                            policyholders are not penalised. Motor claims below             08600 Envoy - a 24-hours emergency, claims and
                                                                                R5 000 and non-motor claims below R15 000 are                   enquiry service manned by dedicated portfolio
                                                                                settled on a fast track basis within 48 hours and with          consultants, hassle-free, immediate replacement
Emergency Service and Referral                                                  limited or no paperwork required.                               of your essential items, timeous routine claims
Assistance 24 hours a day 365                                                                                                                   settlement
days a year! (RSA Only)                                                         At Envoy we do not believe that a client driving an             Various premium reduction options
                                                                                expensive vehicle should have that vehicle repaired at          Your home and vehicle security precautions result
                                                                                anything but a reputable panel-beater. We therefore             in premium discounts and reduced excesses
                                                                                only use manufacturer-approved panel-beaters for body           Up to R50 000 000 liability limit to cover any
     roadside assistance for passenger and 4 x 4                                work and we insist on the use of new parts that are             catastrophe that you may have
                                                                                critical to the working of your vehicle. We are committed       Concierge and SmartBuy Service sources quality
                                                                                to ensuring that the damaged vehicle is repaired to             items at discounted prices at locations convenient
     flat tyre/battery assistance
                                                                                factory standards and regular audits of our suppliers           to you
     tow-in services to the nearest dealer
                                                                                are conducted.                                                  Complimentary inventory and valuation of the
     recovery and repatriation of an immobilised vehicle
                                                                                                                                                contents of your home, to ensure that you are
     delivery of 10 litres of fuel
                                                                                COMPLIANCE & SECURITY                                           neither over nor under-insured and to accelerate the
     telephonic assistance with recovery of keys locked                                                                                         claims procedure
     in vehicle                                                                 In an environment of corporate governance scandals,             The most comprehensive cover and preferential
     24 hour travel and route assistance in all major                           misappropriation of funds and lack of controls, you will        rates for your exotic motor cars and off-road
     metropolitan areas.                                                        be comforted to know that Alexander Forbes adheres              vehicles
                                                                                                                                                                                                                                                 RB !
                                                                                to the highest standards to ensure your protection.             If your vehicle is a write-off, or stolen and not
MEDICAL SERVICE!                                                                                                                                                                                                                               U
                                                                                We are fully compliant with the Financial Advisers              recovered, within 12 months of first registration, the                                      TO       Y
                                                                                                                                                                                                                                        BOU E POLIC
     emergency medical assistance                                               Intermediary Services Act (FAIS) and all our consultants        basis of settlement is the new list price
                                                                                                                                                                                                                                  AS K A NC
                                                                                are accredited.                                                 A courtesy car is provided to ensure your
     medical response by road or air
                                                                                                                                                uninterrupted routine following an insured motor
     transfer to a medical facility
                                                                                The Envoy product is underwritten by Alexander Forbes           event
     emotional support and tele-counselling
                                                                                Insurance Company Limited with re-insurance to 3 of             Watercraft cover - competitive rates on jet-skis, ski-
     access to Rape Centres of Excellence. Guaranteed
                                                                                the largest South African Insurers; Hollard, Munich Re          boats, dinghies, catamarans, yachts etc.
     hospital admission of up to R5 000.                                                                                                        Access to specialists in Alexander Forbes Direct for
                                                                                and Santam. This ensures that the risk is appropriately
ACCI-MANAGEMENT SERVICE!                                                        spread for your protection.                                     Personal Accident and Dread Disease cover                                                           ENVOY
                                                                                                                                                Alexander Forbes Assistance Services! *
     advice on the correct procedures to follow at the                          VALUATION SERVICE                                               24 hour, 7 day a week access to value-added and
     scene of an incident                                                                                                                       emergency assistance services. (See over).
                                                                                                                                                                                                                                                Focused on you
     dispatching of ambulances and notification of police                        At no charge to you, Envoy is able to provide an                * The service providers appointed are all independent contractors. Although
                                                                                                                                                  every effort is made to monitor and assess these service providers, the
     assistance with repairs and insurance claims                               evaluation of the contents of your home, to ensure that           responsibility of loss, damage or unsatisfactory workmanship remains with
     towing by an approved towing contractor and                                the value is correct and that average does not apply.             the appointed service provider.

     storage at an approved panel shop.                                         Underinsurance, while reducing the premium payable                Assistance will only be provided where Assistance Services! was contacted
                                                                                in the short term, may result in a shortfall in the amount        in the first instance. Should you contact a service provider directly, we will
                                                                                                                                                  not be liable for any costs incurred.
EMERGENCY HOME SERVICE!                                                         paid following a loss. Similarly there is no advantage to
                                                                                being over insured - you simply pay higher premiums.
     assistance for out of hours home emergencies,                                                                                           DO YOU QUALIFY?
                                                                                A professional valuator will be sent to your home and
     which includes call-out fee and one hour’s labour;                         will prepare a detailed and comprehensive listing of all
     burst geysers, broken windows and much more.                                                                                            You may be entitled to preferential rates with one of
                                                                                your possessions.
                                                                                                                                             these special benefit packages.
TELEPHONIC ASSISTANCE!                                   (OUTSIDE RSA)
                                                                                ENVOY FEATURES
                                                                                                                                                Single Parent, Family Plus
Lesotho, Botswana, Swaziland, Namibia, Zimbabwe,                                & BENEFITS                                                      5 or 10 year no claim reward discount.
Malawi, Zambia or Mozambique.
                                                                                                                                                                                                                                  MOTOR, HOUSEHOLD
                                                                                   The broadest All Risks insurance cover available                                                                                               & BUSINESS INSURANCE
                                                                                                                                             Ask a consultant for the criteria.
Telephonic assistance only provided outside the borders                            to you, keenly priced and focused on the specific
of South Africa when you are in an accident or become ill.                         needs of high net value individuals
Tel: 0860 111 234 I Website: www.alexanderforbes.co.za
                                                                                   An experienced and dedicated portfolio consultant
Email: afisales@aforbes.co.za I SMS AFI to 31768
                                                                                   to advise you and tailor your portfolio
Alexander Forbes Insurance Company Limited is an authorised financial services
provider. Licence no 30414. Terms and conditions apply. Issue: April 2012.                                I5I                                                                    I6I
ENVOY                                                       Your portfolio consultant ensures that you have              should your vehicle be stolen within this period, we will   REWARDS FOR LOOKING AFTER
                                                            adequate and appropriate insurance cover and is your         replace the vehicle with a new one (subject to the sum      YOURSELF
                                                            contact when you need to make changes on your                insured being adequate).
Envoy is an award winning short                             portfolio. In the event of a loss the portfolio consultant                                                               Because you look after your assets and take
term insurance solution.                                    will ensure that the claim is submitted according            Thereafter, we settle total loss motor claims on the        precautions to prevent losses, you are given upfront
                                                            to procedures and is processed smoothly with no              higher retail value (while many other products pay out      rewards by way of discounted premiums. We believe
AFI developed the Envoy concept in 1996 to challenge        inconvenience to you.                                        at the lower market value).                                 this is preferable to paying a higher upfront premium
the mundane approach to insurance that had become                                                                                                                                    and only receiving your reward after several years of not
accepted for so long.                                       WIDE COVER - LIMITED EXCLUSIONS                              Car hire is included as an automatic benefit, providing      claiming.
                                                                                                                         you with a vehicle for up to 30 days following an
Providing the widest cover in the market with the least     The Envoy policy was designed to provide wide cover          accident, theft or hijack.                                  Discounts are offered for:
number of exclusions, you are assured that your assets      for those not wanting to be disappointed by unexpected                                                                      Protecting your home and contents by installing a
are protected against life’s unexpected events.             exclusions. It is common in personal lines insurance for     Most insurers limit cover for private usage to normal          linked alarm system, burglar bars, electric fencing
                                                            policyholders to pay a premium for many years without        social driving, and driving to work and back. For most         or living in a high security village
With unrivalled levels of service, you are spared the       understanding exactly what they are covered for. In          insurers, business driving during the day needs to be          Protecting your motor vehicle by installing a tracking
inconvenience that often occurs when faced with an          many instances this is realised too late when a claim        specified and a substantially higher premium paid.              device or gearlock.
insured loss. Envoy is designed to accommodate your         submitted is not settled.                                        Envoy’s normal business use cover falls within the         A No Claims Bonus system that reduces your
changing needs and offers sound, professional advice                                                                         definition of private usage                                 premium payable after each claim-free year. A
to ensure your total peace of mind.                         Envoy is governed by a policy document that offers               Envoy covers all licensed drivers while many               discount of up to 55% is possible after several years
                                                            extremely wide cover.                                            insurers only cover named drivers.                         without claims.
                                                            BUILDINGS COVER                                              FLEXIBILITY                                                 In addition discounts are given for mature drivers (over
The Envoy product is exclusively available to high net                                                                                                                               age 55) as well as for female drivers.
value individuals that have accumulated substantial         The policy provides for All Risks cover rather than          Within the Envoy policy, you have a number of choices
assets. We understand that your day to day life allows      Perils cover. This means that full accidental damage         to ensure you only have cover for what you require and      CLAIMS - THE REASON FOR
you little time to focus on your insurance affairs, and     cover to the building is included.                           hence pay the appropriate premium.                          INSURANCE
this very often does not get the attention it requires.
                                                            A limited subsidence and landslip cover is provided          With motor cover you can select from the following          At some point everyone suffers from an insured event.
Our high level of personal attention removes the hassle     automatically to match what is normally offered in the       cover options:                                              Whether a personal possession is lost or damaged,
of insurance, allowing you to focus on other important      market. A wider form of cover is optional under Envoy           Fully comprehensive                                      you are a victim of a criminal act or subject to a motor
matters while relying on a professional to ensure that      that may be more appropriate to your risk.                      Third party fire & theft                                  accident, it is at these times when your choice of
                                                                                                                            Or third party only.                                     insurer becomes crucial.
your assets are adequately covered.
                                                            CONTENTS COVER
                                                                                                                         Under the buildings section of the policy, you can select
It is widely accepted that there is an inverse                                                                                                                                       Envoy has an established claims philosophy of
                                                                                                                         Full or Difference-in-conditions cover. Difference-in-
relationship between risk and wealth and hence the          If you, or any member of your household, work from                                                                       paying claims “fairly and quickly”. Fraudulent or
                                                                                                                         conditions cover can be selected if you have insurance
average high net value individual displays a lower risk     home, Envoy automatically covers business equipment                                                                      overstated claims need to be identified so that honest
                                                                                                                         through a bond holder where cover is restricted. Your
profile. For this reason, insurers have always given a       (included within your contents sum insured) up to a
                                                                                                                         Envoy policy will then settle those claims not usually
measure of discount to higher valued items.                 limit of R100 000.
                                                                                                                         covered by this other bond insurance policy.

Envoy takes this one step further - by keeping the risk     Most policies restrict guests’ and domestic workers’
                                                                                                                         Under the contents section you have a choice of four
pool exclusive to high net value individuals, we are able   possessions. Envoy covers guests up to R10 000               cover options:
to offer extremely competitive premiums.                    and domestic workers are covered within your contents           All Risks
                                                            sum insured.                                                    Listed Risks
DEDICATED PORTFOLIO                                                                                                         All Risks without theft
CONSULTANTS                                                 ALL RISKS COVER                                                 Listed Risks without theft.

All Envoy clients are allocated a dedicated portfolio       Sporting equipment is covered whilst in use.                 Should you wish to self insure your risks up to a certain
consultant, who is the single point of contact for all                                                                   level, you are able to choose either a voluntary excess
insurance related queries. By limiting the number of        MOTOR COVER                                                  or our unique ‘disappearing deductible’ option, which
clients allocated to each portfolio consultant, Alexander                                                                entails a fixed excess up to a certain level of claims .
Forbes Insurance provides service levels that are           Envoy provides new for old cover within the first 12          Thereafter your policy becomes excess free. Both these
unrivalled in the industry.                                 months of registration of a new vehicle. This means that     options allow for significant discounts.

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