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Frequently Asked Questions - Claims

Motor Claim
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
 
 
 
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Submit a Claim
Does my client have to pay a basic excess when reporting a claim?
Your client is liable for the first amount payable (excess) of any claim unless they are 55 years of age (this applies to the basic excess only).
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Clients often enquire if they will lose their Claims Free Group status if they claim, what do I tell them?
You can inform your client that the following claims will result in a percentage reduction of their Claims Free Group:
 
  • Motor (excluding window/glass claims)
  • Contents (excluding automatic extensions of cover)
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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.
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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.
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Do I lose my no claim bonus at time of a claim?
Yes the client will lose their no claim bonus.
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Does MUA make use of a panel of panel beaters?
MUA does not make use of a panel of panel beaters.
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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.
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