CALL US ON 011 840 6000 | IMBANI HRS ASSIST 0861 111 477
call us on 011 840 6000 | HRS Assist 0861 111 477

Insurance Checklist

IMBANI HRS covers you 24/7, but we respectfully request that you also play your part. Following the tips and guidelines below will ensure world class service in the unfortunate event of a claim. Here are a few tips to make sure you’re properly covered and ensure that any claims are settled as quickly as possible.

  1. Update your details: We need to know about changes in risk, personal contact and banking details.
  2. Read your policy carefully: Please make sure that you fully understand the terms and conditions of your insurance policy and feel free to call us if you have any queries.
  3. Check your premiums: It is solely your responsibility to ensure that your premiums are paid on time.
  4. Declare previous claims: Ensure that you inform us about all previous insurance claims when renewing or taking out a new policy.
  5. Review your policy regularly: With the exception of motor vehicles, all items are insured at replacement value so please make sure you’re properly covered. Settlement in case of a stolen or written off vehicle will be based on retail value, so please include any extras fitted to the vehicle. Make sure that you review this amount regularly as vehicles depreciate over time.
  6. Proof of ownership/Valuation certificate/ Inventory: When submitting a claim for jewellery, we require purchase invoices and/or valuation certificates. It is a very valuable exercise to take a full inventory of your insured goods, such as taking photos of your household goods as proof of ownership. This will also assist in calculating replacement values and in turn ensure that you are not under insured in the event of a claim.
  7. Burglar proofing/alarm: Ensure that all doors and windows are secured with security gates and burglar proofing. It is up to you to regularly test that your alarm and security response system is in good working order. Please confirm a test beforehand with your security response provider rather than pressing the panic button as this may lead to an unfortunate situation should the armed officers think that the test is a live situation.
  8. All-risk: We provide limited cover for personal items outside of the home. It is therefore very important that you specify high value items such as laptops, tablets, phones, jewellery, cameras, bicycles and the like.
  9. Regular driver: We base our premiums on the regular driver of the vehicle. Please let us know should this change.
  10. Roadworthiness: It’s up to you to ensure that your vehicle is in good working order at all times. In particular, the tyres must be in a legal roadworthy condition and the licence must be up to date. Further, for your own safety and the very possible repudiation of a claim, please NEVER drive under the influence – rather call IMBANI HRS Assist on 0860 60 40 20 and we will arrange that you and your vehicle arrive home safely.