Register

Frequently Asked Questions - Brokers

Who should my client’s phone if they are involved in a motor accident?
Should your client find themselves in a situation where they require assistance the number to dial in the case of an emergency is 0861 000 MUA (682)
MUA deals with the best service providers of luxury brands every day. If your client is in an emergency, an MUA endorsed provider will ensure they are taken care of. Allow our emergency assistance to arrange their towing after an accident.
  • 67 reads
Despite my recommendation, my client has said they do not want a valuation conducted at their house. Is it compulsory?
The voluntary valuation of building and inventory service of contents are not compulsory. We do however highly recommend that your client opts for these services for the following reasons:
  • We cover the upfront costs of the valuation and inventory exercise;
  • In return, the Average condition is waived from the policy, so all claims are paid ground up without unfair adjustments;
  • This exercise enables us to fast track claims, especially those large losses where the task of compiling a post-loss inventory is daunting, especially at a time of often severe trauma;
  • The exercise also assists in providing underwriters with risk information, which enables us to provide your clients with pro-active risk management advice.
  • 93 reads
Why does the client need a quote when a valuation has already been done on the contents of their home?
The value of the clients contents in the home could have marginally of changed in value since the last time the contents in the home has been evaluated.
  • 67 reads
Must the report the accident to the police if no 3rd party or minimal damage has occurred?
Yes, it is very important that you report the accident to the police, besides the fact that is by law that one should report the incident, in the case where the 3rd party is involved the policy requires the accident to be reported.
  • 77 reads
Do I lose my no claim bonus at time of a claim?
Yes the client will lose their no claim bonus.
  • 92 reads
Does MUA make use of a panel of panel beaters?
MUA does not make use of a panel of panel beaters.
  • 61 reads
Why do we outsource our recoveries?
The reason for out sourcing our recoveries is the fact that this is not our core function, we are experts in what we do therefore we outsource our recoveries to experts in this field.
  • 66 reads
In the MUA it wording states “because of a permanent and identifiable physical disability which is caused directly by a sudden and unexpected accident” – would the client be covered if the client goes bungee jumping and has a accident and is paralysed?
MUA would pay for the alterations to the dwelling following sudden physical disability up to an amount of R100 000 therefore there would be cover in this instance.
  • 77 reads
What is MUA’s Third Party liability limit on Classic cars?
Third Party Limit is up to R25 000 000.
  • 82 reads
What are the rates on works of art or does it form part of the Household rate?
We insure at the same rate, but client must list the specified items under household contents section, unless client requires Specified All Risk Cover.
  • 71 reads
Would the client have cover if their classic vehicle is at an exhibition?
Exhibitions as well as Classic Vehicle Rallies are covered, provided that the exhibition or rally is arranged by a registered Club.
  • 74 reads
If a client takes home a vehicle for the weekend for a test drive, would the vehicle be covered on the insured’s MUA policy?
MUA must be advised of the temporary arrangement and the client must have their other motor vehicles insured with MUA.
  • 72 reads
If a freelance photographer has valuable photographic equipment and his unspecified amount is adequate, would there be cover whilst in use if for example he is hanging from a chopper taking pictures and the camera drops? These items are owned by the insu
There will be cover, provided the sum insured is adequate and the item has been specified.
  • 74 reads
If a client's domestic worker damages any of their property accidently, would there be cover for this under the Household section?
Yes it is covered in full if the policy is placed on an All Risk basis within the dwelling, unless the cover is otherwised restricted.
  • 63 reads
If a client wishes to take his/her valuable painting/works or art/coin collection overseas to an exhibition, will the items be covered at the exhibition and during transit, if the item is specified?
The client must advise MUA and provide details regarding where the art/collectors items will be taken to as well as the security measures that will be taken during transit and at the exhibition. Cover will exist provided that the items are specified.
  • 66 reads
How does one become an MUA broker?
Still to be answered
  • 66 reads
Does MUA have a preferred broker who receives better rates?
No MUA does not.
  • 71 reads
MUA offers unsupported motor, what does this mean?
This simply means that we will take on business within our parameters without the support of home business.
  • 56 reads
From what value must jewellery be kept in a locked safe/compartment?
Jewellery items with an individual value in excess of R50 000 must be kept in a locked safe/compartment
  • 83 reads
Some Insurers give the option where client pays a little extra every month and they get the benefit of a brand new vehicle if vehicle is older than 1yr and stolen or written off. Apparently it goes up to 3yrs. Do we offer this option?
MUA do not offer this option under the Motor product.
  • 76 reads
What are MUA's limits on Home and Motor products?
  • 69 reads
What security requirements does MUA have and what needs to be specified?
still to answered
  • 66 reads
What type and make of vehicle's do MUA insure?
still to be answered
  • 78 reads
Does MUA provide cover for vehicles outside South Africa's borders?
still to be answered
  • 75 reads
What cover options does MUA offer and how does it work?
still to be answered
  • 65 reads
What is MUA's security requirements for smaller towns where some homes will not necessarily have alarm systems?
We will consider these risks on an individual basis and look at the clients current security measures in place (ie: burglar bars and security gates), claims history and sums insured. The risk will then be underwritten accordingly.
  • 61 reads
Is the valuation compulsory and what if the client does not agree with the value?
No, the valuation is not compulsory. Should the client decide not to have a valuation done, we then remove the Average Waiver Benefit and average will then apply, if at the time of a loss, it is found that the client is under-insured. Where a client does not agree with a valuation, the situation will be dealt with on a merit basis.
  • 62 reads
Why do we not offer excess waiver on vehicles?
Our policy already has certain built-in excess waivers namely when a driver is 55 years or older and has a drivers license for more than 5 years, where the vehicle is less than 12 months old and if you have an approved tracking system installed in your vehicle the excess will be waivered.
  • 56 reads
Why cant MUA offer watercraft policies under their own name, why are these services outsourced?
still to be answered
  • 60 reads
Would cellphones and laptops be covered if they were not specified?
No, laptops and cellphones will not be covered unless specified under the All Risk Section.
  • 57 reads
Do you need to complete a claim form for any windscreen claims?
The glass company involved in fixing the windscreen will normally assist the client in completing the claim form.
  • 56 reads
Why are valuations not carried out every three years as mentioned at launch of the Home product?
These valuations can be done should the client request it, the reason for the valuations not being carried out automatically is the fact that clients often do not want any further intrusion into their homes.
  • 55 reads
What does MUA do exactly?
To be answered still!
  • 77 reads
Does MUA have branches situated all over South Africa?
We have 3 branches namely Cape Town, Johannesburg and Durban.
  • 68 reads
Where is MUA's head office situated?
MUA's head office is situated in Century City, Cape Town.
  • 126 reads
What is an underwriting agency?
An underwriting manager is an agent who presents an insurance company, who communicates and deals with the policy holders. An underwriting manager acts as the contact point for the submission of your claims, or for any changes to policy details, confirmation of policy or claim information and any other related matters.
  • 69 reads
Who is our insurer?
Compass is MUA's insurer, the Compass Insurance business model is unique in the short-term insurance industry. Compass only deals with Underwriting Managers. These business partners focus on providing innovative products and a specialised policy administration service to short-term insurance brokers. They do not market their own products, nor do they seek business directly from consumers.
  • 68 reads
What does the acronym MUA stand for?
Motor Underwriting Acceptances
  • 178 reads
What new car hire policies are available?
There are three options available – basic, automatic and upgraded automatic
 
Option One (Basic Cover)
 
R40.00 per month: All policies include this basic cover unless otherwise stated. The type of vehicle the client receives is a group “C” vehicle which is a manual car with air conditioning, ABS and power steering.
 
Option Two (Automatic)
 
An additional premium of R20.00 is levied on the policy. The client receives a group “D” vehicle such as a Chev Aveo Auto, with airbags, air conditioning, power steering and ABS.
 
Option Three (Upgraded Automatic)
 
An additional premium of R40.00 is levied on the policy. The client receives a group “H” vehicle such as a BMW 3 Series or an Audi A4 automatic with airbags, air conditioning, power steering and ABS.
 
Points to bear in mind
  • If the client drives an automatic vehicle he will have to choose either option two or three should they wish to continue driving an automatic vehicle
  • All new business requests for quotes should indicate which option the client desires
  • The type of car hire will be stated clearly on the schedule
  • All the car hire contracts include the following unlimited kilometres, car accident damage cover ,car theft cover, airport and tourism levies (no additional cost to the client) 
  • Fuel deposit for the insured’s own account
As an added bonus under MUA’s new policy, should the client be involved in a motor vehicle accident in the hired vehicle and the excess is greater than the excess payable under his MUA policy, we will reimburse the client with the difference.
 
  • 71 reads
My client has contacted me to say that their house is suffering from subsidence damage. Are they covered and if not, does MUA offer full or limited cover for subsidence and landslip damage?
MUA gives full cover for subsidence and landslip.  We do not charge an extra premium for this additional cover, however; it is necessary to underwrite the risk. 
 
MUA therefore requests that the insured completes a subsidence and landslip questionnaire, whereafter the risk will be assessed by an MUA underwriter and then full cover will be granted.
 
  • 90 reads
My client recently had a serious accident at work which has left him physically disabled and he now has to use a wheelchair to get around. He has asked me if his insurance policy will help to pay for any modifications to his house to accommodate this?
There is an extension under the Building, House Contents and Motorpolicy that can assist in the event of necessary changes to a home/vehicle due to physical injury.
 
This would be effective in the event of the policyholder having to use a wheelchair for moving around, following a physical injury.
 
The wording, adapted to include both home and motor is based on the following:
 
“The insurer will pay fair and reasonable costs, up to the amount stated in the schedule towards essential changes to your home /vehicle that you need to make because of a permanent and identifiable physical  disability which:
 
  1. Is caused directly by a sudden and unexpected accident
  2. Occurs during the period for which you are insured
  3. Results in you having to rely on a wheelchair to be able to move around”
 
 
  • 81 reads
My client was involved in a car accident and has asked me whether they qualify for the “zero excess.” When is the nil excess applicable?
There are three varying sets of criteria for the zero excess – buildings, contents and motor.
 
Should your clients meet all of the criteria for either the buildings, content or motor then MUA will not charge an excess on their claim.
 
Criteria for Buildings
  • If the policy holder is over 55 years old
  • All claims where the quantum exceeds R100000.00
 
Criteria for House Contents
  • If the policy holder is over 55
  • All the automatic extensions of cover
 
Criteria for Motor
  • If the main driver and spouse are over 55 years of age and have held a license for over 5 years
  • If the vehicle is less than 12 months old from the date it was first registered
  • If an approved, operational MUA tracking device was installed when the vehicle was stolen or hijacked
 
 
 
  • 78 reads