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
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
these special beneﬁt packages.
TELEPHONIC ASSISTANCE! (OUTSIDE RSA)
Single Parent, Family Plus
Lesotho, Botswana, Swaziland, Namibia, Zimbabwe, & BENEFITS 5 or 10 year no claim reward discount.
Malawi, Zambia or Mozambique.
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.
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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