Isithuthi Presentation

Risk Solutions – Commercial Products DivisionFebruary 2016

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Index

Servicing Team

About Isithuthi and Our Products

Our Service Providers

Unique Benefits and Offerings

Excess Tailor Made Structure

Claims Process

Servicing Team

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Servicing Team

Name Direct Tel. No.

Kimberley Branch Direct

Senior Account Executive Toinette Granger 083 278 4879Claims Consultant Anita Kitshoff 053 833 4011Internal Consultant Ansie Swarts 053 833 4011

About Isithuthi & Products

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Zulu word meaning - “Vessel or carrier that is used to transport people or commodities”

We provide tailored insurance products and services to selected market segments comprising individuals and small and medium organizations

Motor Vehicles used in the fare paying passenger transport industry mainly comprising Buses, Midi Buses and other.

Motor Vehicles used in the transport industry mainly comprising Heavy Commercial Vehicles, Goods in Transit, Liability and related covers

Existing Products – White labeled and tailor made in Isithuthi

- Passenger Transport

- Owner Driver Schemes*

- Trucking and General Motor Fleets*

- Specified HCV/LDV/Private Cars/Trailers/Special Types*

* See next page for break down

Purpose - Isithuthi

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Isithuthi Service Providers

1. SHA Motor/Fleets/P.A.Excluded Trades Motor Traders (Will do if accommodated), Hazchem, GIT and other non-motor classes. Taxis/Tow-truck

operators/Couriers/Driving Schools/Security Companies.

2. ONE Sure (M&F) Motor/Fleets/P.A./GIT and other non-motor classes (NWB). New product launch – One-track – Vehicles over R500k & 10 or more – Automatic installation (Details to

follow)Excluded Trades Older vehicles – Less than10 years/Emergency vehicles/Couriers/Hired Out Vehicles/Armed

response/Scholar Transport/Car Carriers/Tow-trucks.

3. AIG Minimum u/w 20 units or more and possibly look at 10 or more (Depending on value).Excluded Trades Bus & Coach Companies/Tour Operators/Motor Dealerships/Taxis/Couriers/Rental Companies/Security

Companies - Armed response/Scholar Transport/Car Carriers/Tow Trucks/Driving Schools and Arms, Ammunitions, Explosive or Nuclear type industry..

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Isithuthi Unique Benefits and Offerings

Comprehensive Cover 3rd Party Fire & Theft 3Rd Party Only Windscreen (Also available for T.P.F & T Covers) Progressive fund options Self-funding options / Burners / Deposits Unique (standardised) Excess Option Excess Reducer Car Hire (R200 per day – Max 30 days – Excluding first 3 days) – Private type only Loss of Use Personal Accident Goods-In Transit (Available through One & Aon Marine currently)

Road Cover Assistance (R.A.F) With Isithuthi Road Cover benefit, your claim with the RAF is managed on your behalf from start to finish, at

no cost to you. The benefit provides for a dedicated legal practitioner to formulate your RAF claim, manage the entire claim

process from start to finish and effectively halve the turnaround time. You receive 100% of the RAF pay out under Road Cover, as there are no charges or additional fees.

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Isithuthi Unique Benefits and Offerings (Continue)

Crisis Accident and Disaster Management Plan

Medical Emergency Evacuation Services Following an accident to a bus. Evacuation using rapid response vehicles, ambulances and helicopters all equipped with advanced Life Support equipment. – Limit R250,000 per event Guaranteed Hospital admission up to R10,000 for passengers. Legal Assistance helpline Bereavement Lines Disaster management – Emergency Call centre will co ordinate and manage the logistics of the disaster. Roadside Assistant: Flat tyres – R1,250; Battery start/Replace – R1,250; Keys locked in vehicle – R1,250, per incident.

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Isithuthi Extensions

Extension Truck and Motor FleetThird party R 10 millionPassenger liability R 5 millionUnauthorised P / liability R 10 millionContingent liability R 10 millionWreckage Removal R 35,000Fire Extinguish Charge R 30,000Loss of Keys R 20,000Mechanical Breakdown Towing R 20,000Emergency repairs R 15,000Sign writing R 7,500Cross Boarder (Accident Towing) R 50,000

Territorial Limits: Africa South of the equator, excluding the Democratic Republic of Congo and Angola

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Basic Excess Structure

For lager fleets – Excess Structures NegotiableOther fleets options – Aggregate / Deposit Burners / Stop loss deductibles etc.Risk Management Solutions – Guidelines Provided (Available on request)

Own DamageHCV's - R0 to R150 000 10% of Claim min R5 000HCV's - R150 001 and above 10% of Claim min R10 000Windscreen 25% min R750Trailers 5% min R5 000Commercial Vehicles 10% of Claim min R2 500 Private Vehicles 5% of Claim min R2 000 

Theft/Hijack 5% of value (waivered if fitted with a tracking device)All vehicles (including HCV's) over R200 000 to be fitted with a tracking device, if not fitted additional Theft/Hijack excess applicable Third Party R5 000  All other Windscreen 20% min R350 

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SASRIA (Riot Cover)

Statutory Rate for all Bus operators(0.4% of Value) – Buses Only (Example: Bus Value – R 500 000 = R 2 000p.a.)(R45 p.a.) – Trucks and Commercial Vehicles(R20 p.a.) – Private Vehicles

SASRIA• Can be purchased separately.• Cover for replacement value/retail value whilst parked at depot.

Conditions• Premium Paid annually in advance.• Monthly – by arrangement (2 months penalty)

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Claims Process (24/7 Call Service Centre – Customer Loyalty Consultants)

Important points to remember:

Motor accidents• Notify your claims consultants of all motor accidents as soon as possible. • a Motor Accident claim form Must be signed and completed.• Supporting documents Must be submitted within 30 days of the occurrence.• Always ensure that you keep some claim cards in your vehicle at all times. This will assist you to take down

Third Party and Independent witness details at the scene of the accident.• Please remember that all accidents must be reported to the S.A.P.S within 24 hours.Stolen and Hijacked vehicles• Above losses to be reported to us immediately.• Please have the registration documents at hand when you contact us as certain information is required.• Please bear in mind that certain incidences requires intensive investigation and this could take longer than

the originally intended.Why CLC?• Web based – Claims can be viewed in Real time.• SMS confirmations.• Daily/Weekly/Monthly Reports (If Required).• Accident reconstruction and scene management

Thank You