Insure City FAQ

WHAT DOES STANDARD CONSTRUCTION MEAN?
The building can be constructed of brick, stone, concrete or metal on a metal framework.

The roof can be covered with slate, tiles, concrete, asbestos or metal. We refer
to these types of building materials
as standard construction.

If the building or roof is constructed with any other type of building material, you must inform us.

The building also includes outbuildings and anything else that is permanently built, constructed or installed on your property that you own or are legally responsible for.

WHAT MUST BE INCLUDED IN THE TOTAL RECONSTRUCTION COST OF A BUILDING?
The Reconstruction Cost of a building must include the following:

  • Cost of new material to rebuild the building
  • Architect-, engineering- and municipal fees
  • Demolition cost
  • Removal of debris
  • Securing of the building site
  • Compliance with national, local building or other regulations
  • VAT

REMEMBER that a Replacement Cost Valuation must be done every 3 years for a Body Corporate.

WHAT IS COMMON PROPERTY?

It is the part of the property which does not form part of a section and is described on the Sectional Plan. The owners share in the Common Property by means of their participation quota. This can include:

  • Gardens
  • Driveways
  • Footpaths
  • Walkways
  • Swimming Pool Areas
  • Tennis Courts

WHAT CAN BE COVERED AS ALL RISK ITEMS?
These items can be used or taken anywhere in the world BUT must be specifically declared. You will pay an additional premium for the specified items.

You must ensure that these specified items are insured for their replacement value. Please verify your policy schedule to ensure that these items are listed at the correct value.

IMPORTANT NOTE:
Personal property of owners or tenants are not included!

WHAT IS NOT COVERED AS A BUILDING?
We refer to these as exclusions in your insurance policy. Exclusions include, but are not limited to:

  • Above-ground portable swimming pools.
  • Mobile air-conditioning units.
  • Unfixed/movable floor coverings, curtains and window coverings inside a unit.
  • Illegal connections and/or renovations not approved by the Trustees/Directors.
  • Property not complying with National Building Regulations.

    You must arrange your own short-term personal insurance cover for your own possessions inside the unit/house.

WHAT IS OFFICE CONTENT DEFINED AS?
Property that belongs to the Body Corporate or the Company and for which they are responsible. Office Contents include, but are not limited to:

  • Computers and electronic equipment
  • Tools, gardening, cleaning and maintenance equipment
  • Office furniture and fittings
  • Gym equipment and swimming pool accessories

You must ensure that all the items are insured for the Replacement Values and that the correct value is declared to your broker.

WHO IS AN EMPLOYEE OF A BODY CORPORATE OR COMPANY?
Any person employed by means of a written contract of service or apprenticeship. The following persons are excluded:

  • Employees of unit owners
  • Appointed contractors and sub-contractors
  • Managing agents and/or their employees

WHAT CAN BE INSURED AS EXTERIOR FIXTURES AND FITTINGS?
Any item that is permanently attached to or installed on the exterior or outside of a building. Exterior Fixtures and Fittings include, but are not limited to:

  • External pipes
  • Mounted air conditioners
  • Generators
  • Carports
  • Gate motors

NOTE: These items will increase the Sum insured of your building/unit.
Please ensure that the Replacement Value of your building/unit is updated.

MORE ARTICLES

RESIDENTIAL BUILDINGS

REQUEST A QUOTE

  • Tell Us About Yourself:


  • Tell Us About The Property:

  • Building Sum Insured
  • Non Standard Construction

  • Thatch Value
  • Other Value
  • Specified All Risk Items


    Example: Electric Gate Motor, Swimming Pool and Borehole Pump, CCTV, Energizer for Electric Fence, etc.
  • ItemR 
  • This field is for validation purposes and should be left unchanged.

HOMEOWNERS ASSOCIATION

REQUEST A QUOTE

  • Tell Us About Yourself:


  • Tell Us About The Homeowners Association:

  • Common Property Sum Insured
  • Non Standard Construction

  • Thatch Value
  • Other Value
  • Specified All Risk Items


    Example: Electric Gate Motor, Swimming Pool and Borehole Pump, CCTV, Energizer for Electric Fence, etc.
  • ItemR 
  • This field is for validation purposes and should be left unchanged.

COMMERCIAL BUILDINGS

REQUEST A QUOTE

  • Tell Us About Yourself:


  • Tell Us About The Property:

  • Building Sum Insured
  • Non Standard Construction

  • Thatch Value
  • Other Value
  • Specified All Risk Items


    Example: Electric Gate Motor, Swimming Pool and Borehole Pump, CCTV, Energizer for Electric Fence, etc.
  • ItemR 
  • This field is for validation purposes and should be left unchanged.

BODY CORPORATE

REQUEST A QUOTE

  • Tell Us About Yourself:


  • Tell Us About The Body Corporate:

  • Total Sum Insured
  • Common Property Sum Insured (If not included in the Total Sum Insured)
  • Non Standard Construction

  • Thatch Value
  • Other Value


  • Specified All Risk Items

    Example: Electric Gate Motor, Swimming Pool and Borehole Pump, CCTV, Energizer for Electric Fence, etc.
  • ItemR 
  • This field is for validation purposes and should be left unchanged.

RESIDENTIAL BUILDINGS

ONLINE CLAIM REGISTRATION

  • Tell Us About Yourself:


  • Tell Us About The Property:


  • Tell Us About The Claim:

  • Date of Loss (Date on which the loss or damage occurred)
  • DD slash MM slash YYYY
  • This field is for validation purposes and should be left unchanged.

COMMERCIAL BUILDINGS

ONLINE CLAIM REGISTRATION

  • Tell Us About Yourself:


  • Tell Us About The Property:


  • Tell Us About The Claim:

  • Date of Loss (Date on which the loss or damage occurred)
  • DD slash MM slash YYYY
  • This field is for validation purposes and should be left unchanged.

HOMEOWNERS ASSOCIATION

ONLINE CLAIM REGISTRATION

  • Tell Us About Yourself:


  • Tell Us About The Homeowners Association:


  • Tell Us About The Claim:

  • Date of Loss (Date on which the loss or damage occurred)
  • DD slash MM slash YYYY
  • This field is for validation purposes and should be left unchanged.

BODY CORPORATE

ONLINE CLAIM REGISTRATION

  • Tell Us About Yourself:


  • Tell Us About The Body Corporate:


  • Tell Us About The Claim:

  • Date of Loss (Date on which the loss or damage occurred)
  • DD slash MM slash YYYY
  • This field is for validation purposes and should be left unchanged.