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Defining the difference between private and business use for your client’s vehicle:

Submitted by Michaela on Wed, 2012-04-04 12:33
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Just a friendly reminder for your clients in order to avoid motor claim repudiations, please check with your client what their use is for their vehicles, as MUA has three different categories namely Private Use, Private and Commuting Use, and Business Use.
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See below for definitions of these three categories:
 
Private use:
  • If the vehicle is described in the schedule as ‘private’, it may be used for social and domestic purposes only.

Private and commuting use:

  • If the use of the vehicle is stated in the schedule as ‘private and commuting’ (travelling to work and back), the vehicle may be used for social and domestic purposes, for journeys between the client’s home and permanent place of business or any other destination they may travel for any purpose other than business.
Business use:
  • Use in the type of profession or occupation (work) stated on your insurance proposal and for which you earn a salary, a wage, other income or remuneration. If the use of the vehicle is stated in your schedule as ‘business’ (work), the vehicle may be used for social and domestic purposes, for journeys between your home and permanent place of business (work), and for use in your business or any other destination you may travel to for any purpose including business.

Kindly note that Business use, excludes, commercial travelling or for any business trade or work, other than as stated in the proposal form of the policy an example of this exclusion would be the carriage of good.

 
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Taking care of your home and motor vehicle keys

Submitted by Michaela on Wed, 2012-04-04 12:18
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Please note that House and Motor Vehicle keys are covered in the event of:
  • Damage to locks
  • The theft or disappearance of keys or remote controls
  • The reasonable belief that an unauthorised person may have a duplicated key, cardkey or remote control
 
The excess stated in your clients schedule for locks and keys will apply.
 
 
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Please note that House and Motor Vehicle keys are covered in the event of:
  • Damage to locks
  • The theft or disappearance of keys or remote controls
  • The reasonable belief that an unauthorised person may have a duplicated key, cardkey or remote control
The excess stated in your clients schedule for locks and keys will apply.
 
However, please inform your clients about their obligations regarding their property and motor insurance. Your clients must take all responsible steps to:
  • Prevent accidents, bodily injury, loss or damage
  • Keep the insured property safe, and ensure that every item is taken care of and looked after according to its value
  • Maintain the insured property in good condition and repair when necessary
An example of negligence would involve keys left hanging on a rack inside a home located near to the entrance and the door or gate is left open for any intruder to access the keys, or hanging the keys in a garage door whilst the garage door is left open, encouraging theft.
 
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Vehicle Sunroof is not Window Glass

Submitted by Michaela on Wed, 2012-04-04 12:14
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Please make sure you inform your clients that damage to a vehicle sunroof is not window glass and thus will not be covered under the window glass extension.
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Please make sure you inform your clients that damage to a vehicle sunroof is not window glass and thus will not be covered under the window glass extension.
 
The sunroof forms part of the vehicle and is subject to the basic motor excess.
 
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AARTO may hurt your car insurance

Submitted by Michaela on Tue, 2012-03-13 13:39
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When new traffic control system AARTO is introduced on 1 April 2012, it may have a major impact on the car insurance of a motorist if he or she accumulates too many points.
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Christelle Fourie MD of MUA Insurance Acceptances spoke to Businesslive about the connection and gave some advice to motorists. Interview, recording and editing by Michael Bratt.
 
Listen to the radio interview by clicking on the link below:
 
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Vehicle insurance excesses

Submitted by Michaela on Tue, 2012-03-13 13:30
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Your chances of being involved in a vehicle accident are about one in 10 every year, and insured drivers virtually always have to pay an amount upfront via the excess on their policy.
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Last year, the South African police recorded about a million vehicle accidents, which are estimated to have involved as many as 1.8 million cars.
 
“If you take into account that there are 9.5 million licensed cars and even more unlicensed cars on South African roads, your chances of being involved in an accident are at least one in 10 each year,” Gary Ronald, a spokesman for Arrive Alive, says.
If you are in an accident or your car is stolen and you need to claim on your car insurance, you need to be aware of the terms and conditions around the excess amount you are liable for.
 
Sometimes it is only when they come to claim that first-time policyholders realise they have to pay an excess, Gari Dombo, the managing director of Alexander Forbes Insurance, says.
 
Read more by clicking on the link below:
 
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Road accident scheme gets thumbs up

Submitted by Michaela on Tue, 2012-03-13 13:07
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The approval of Government’s proposed Road Accident Benefit Scheme (RABS) – recently announced as the successor to the much-maligned Road Accident Fund (RAF) – brings hope for much-needed change to the current system.
 
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This is according to Marike Stals, Legal and Compliance Manager at MUA Insurance Acceptances, who says the RAF was introduced to enable innocent victims, who have no recourse against uninsured or negligent motor vehicle drivers, to receive some type of compensation.
 
However, over time several issues arose with regards to the affordability and sustainability of the system, including long settlement delays and a disparity between the income of the scheme and its liabilities.
 
Click on the link below to read more...
 
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Underwriting reminder: Copy of Vehicle registration documents no longer required

Submitted by Michaela on Mon, 2012-03-05 11:20
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Since November 2010 MUAseized the requirement for copies of the registration documentation of a vehicle at time of inception on the policy.
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Since November 2010 MUAseized the requirement for copies of the registration documentation of a vehicle at time of inception on the policy.
 
This was made possible due to improved technology and with the E-Natis system we are able to access and confirm the necessary information without inconveniencing policyholders or brokers. 
 
We only require the vehicle VIN number, Engine number and registration number. By receiving this info at inception of the policy we are in a position to settle claims without unnecessary delay or without the need to obtain these documents from financial institutions when the insured vehicles are under hire purchase agreements.
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Advanced Driving Course for under-27 drivers

Submitted by Michaela on Mon, 2012-03-05 11:13
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We have recently seen a dramatic increase in under-27 drivers either wanting insurance or being involved in car accidents where the policies are endorsed with restrictive endorsements. So we wanted to find a way to offer our clients an alternative that would make everyone happy.
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We have recently seen a dramatic increase in under-27 drivers either wanting insurance or being involved in car accidents where the policies are endorsed with restrictive endorsements. So we wanted to find a way to offer our clients an alternative that would make everyone happy.

The reason behind having a no under-27 rule boils down to the driver’s short driving experience, which we have found typically results in a higher number of accidents compared with more experienced drivers. To counter this, it has been decided that we will look at not penalising the under 27 drivers with additional excesses and/or restrictions if they have passed an advanced driving course, with the cost of the course for the client’s own account.

Please find a list of some of the advanced driving courses we know of below, should you need some more specific options please let Michelle Bellin from Head Office know and we will source a contact in the area you require.
 
Killarney Training Centre, Cape Town
Defensive Driving Course, Two Modules
o    R2095.00 per person
o    Hosted at Killarney Race Track
o    Contact details: 021 557 1800
 
Toyota Advanced Driving Courses, Gauteng
Defensive Driving Course
Course curriculum comprises of a theoretical session followed by a practical experience module, which includes simulated emergency situations on the skidpan or (Skid Monster), dealing with ABS braking, cadence braking, lane changes, skid control, oversteer and understeer. Drivers then take to public road driving instruction and assessment of the ability to anticipate emergency and potentially dangerous situations and the correct manner to deal with them. Limit of three people per vehicle.
o    R1950.00 per person
o    Hosted at Gerotek Training Facilities(Pretoria West)
o    Contact details: +27 (0)11 467 4040 or
o    Email: info@tad-sa.co.za%5C
o    Website: www.toyota.co.za
o    For information on Toyota Advanced Driving courses in other area please contact them for more information on dates and venues.
 
 
Audi Driving Experience, Gauteng and Cape Town
Advanced Safety Driving Course
The Audi Advanced Safety Driving course is a full day course designed to improve your skills of on road defensive driving, skid control and collision avoidance.
The Audi Advanced Safety Driving Course is currently only hosted in Johannesburg as Audi do not have the required facilities anywhere else in the country.Audido however travel to Cape Town, Port Elizabeth and Pietermaritzburg once a year where they host their High Performance Driving Course for more information on dates and venues please contact Audi, details below.
 
o    R1865.00 per person
o    Hosted at Gerotek, Gauteng
o    Contact Details: +27 11 564 5088
o    Hosted once a year at Killarney Race Track, Cape Town
o    Contact details: 021 557 1800
o    Website: www.4rings.co.za/
 
BMW Driver Training, Gauteng
Defensive Driving Course
Gain a greater awareness of external factors which influence driving situations. Learn to identify road hazards and escape routes in order to place your vehicle in the safest possible position on the road. By being systematically challenged to acknowledge your strengths and weaknesses, you will learn how to handle traffic situations more safely.
BMW Driver Training currently only has one base of operation which is Gauteng. BMW do cater for other regions on an annual basis. This is when we halt all courses in Johannesburg and conduct our training in these regions mostly in Cape town and Pietermaritzburg.
 
o    R1320.00 per person
o    Hosted at Zwartkops Raceway BMW Driver Training 96 Main Road (M26) Mooiplaas Erasmia
o    Contact details: (011 ) 564 5088
o    Website: www.bmwdrivertraining.co.za
 
 
Mercedes-Benz Dynamic Driving, Gauteng
Defensive Driving Course
The Mercedes-Benz Dynamic Driving course is about developing high levels of knowledge, alertness and foresight in order to recognize accident producing situations as they occur, and about excising the judgment and skill necessary to protect oneself. 
o    R1175.00 per person
o    Hosted at Zwartkops Raceway
o    Contact details: 012 374 7824
 
Volkswagen Driving Academy, Gauteng, Kwa-Zulu Natal and Cape Town
Advanced Safety Driving Course                                                                                                                                  Learn the various skids and the corrective actions required to handle them. The defensive driving part ensures greater awareness when faced with day-to-day driving situations. Learn how to predict and identify hazards and the escape routes, in order to place your vehicle in the safest possible position on the road. This will also help you acknowledge your strengths and limitations and how to use them to your best ability.
o    R1596.00 per person
o    Hosted at Kyalami Grand Prix Circuit, Gauteng
o    Contact details:+27 11 466 9127/9 or +27 11 466 7947/8
o    Hosted at Eston Test Track, Kwa-Zulu Natal three times a year.
o    Hosted at Killarney Race Track, Cape Town once a year.
o    Contact details:+27 11 466 9127/9 or +27 11 466 7947/8
o    Website: www.vw.co.za
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Extended car hire options to benefit your clients

Submitted by Michaela on Mon, 2012-03-05 11:02
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We have recently added an additional option to car hire. Please see below for the different offerings and inform your clients that this new option is available should they wish to choose a 45 day car hire option instead of the standard 30 day car hire option.
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45 Day Car hire - Standard
This cover is limited to a Group C vehicle as available through the insurer for a maximum of 45 days.  A fee of R60.00 p.m is payable for this benefit and is included in your premium.
 
45 Day Car hire – Model Upgrade
This cover is limited to a Group H vehicle as available through the insurer for a maximum of 45 days. A fee of R120.00 p.m is payable for this benefit and is included in your premium.
 
45 Day Car hire - Upgrade to automatic vehicle
This cover is limited to a Group D vehicle as available through the insurer for a maximum of 45 days. A fee of R80.00 p.m is payable for this benefit and is included in your premium.
 
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Remote control locking scam update

Submitted by Michaela on Mon, 2012-03-05 10:57
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Many of you have heard about the recent scam whereby some third party remote controls are used to interfere with a vehicle’s remote control locking system resulting in theft from motor vehicles with no sign of visible or forcible entry.
 
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Many of you have heard about the recent scam whereby some third party remote controls are used to interfere with a vehicle’s remote control locking system resulting in theft from motor vehicles with no sign of visible or forcible entry.
 
It is believed that these remotes are set to the same frequency as some manufacturer’s remotes, which then jam the vehicle’s remote control frequencies, preventing the electronic central locking system from operating successfully.
 
Some clients have been submitting insurance claims believing that this is what has happened when they return to their vehicle to find contents stolen without any sign of a break-in.
 
As we all know, theft of unspecified all risks items, with no sign of forcible entry is often repudiated by insurers, however, we have made a plan for our valued clients.
 
For all victims of the scam we are offering a maximum claim of R5000.00 with an excess of R1 000.00 for unspecified items. Specified items will be covered up to the sum insured, even if stolen from unoccupied vehicle without signs of forcible and violent entry.  Please be sure to stick to these limits and advise your clients accordingly on appropriate safety measures – such as ensuring their vehicles are locked before walking away from them – to avoid falling victim to the scam.
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