In this section we offer help and advice to make your life easier.
Emergency tips and advice– Including a step-by-step guide on what you should do after a car accident and hints on how to deal with home emergencies.
Questions and Answers – We answer your questions on a variety of insurance related issues, and define the meaning of some of the more complicated insurance words and phrases.
If you have a question or need advice on something we may not have covered in this section, click here to submit your query.
No matter how careful you are, accidents do happen at home, at work and especially on the road. In this section, we’ve put together a step-by-step guide on what you should do if you are involved in a vehicle accident, and some guidelines to follow in the event of an emergency at home.
If you have any hints or advice from your own experiences that you’d like to share with us, click here.
As anyone who has ever been in a vehicle accident will tell you, it is a shocking and stressful experience especially if you have been injured, or have injured someone else and it’s not always easy to think clearly. That’s why we’ve put together this guide that you can print out and keep it in your car’s glove compartment. This way, if you are involved in an accident, you will know what steps to follow to ensure the best possible outcome.
Third Party insurance covers you against claims made by others against you. For example, if it is proven that you were the cause of an accident involving another vehicle (third party) your Third Party insurance will cover any costs you may be liable for.
These include costs relating to death, injury and damage, as well as any legal costs that could be claimed from you. If you do receive any claim from a third party, please pass the correspondence on to us immediately, so that we can deal with it on your behalf (in accordance with your policy contract and provided that the terms of your policy have been met). We have a dedicated team available to deal with third party claims. This team also specialises in the recovery of the cost of repairs, including your excess, should the accident have been caused by the other driver.
It is important that you not accept any liability until you have reported the incident to us.
Once we have established that your vehicle cannot be repaired, a Claims Negotiator will contact you with the details of what to do next and what documentation is required to settle your claim.
If we are unable to recover your vehicle, our Claims Department will let you know what to do next and what documents we need in order to settle your claim as quickly as possible.
If you are unlucky enough to be involved in an accident you can expect a host of tow trucks to arrive, all clamouring to be the one to tow your vehicle away! Worse still, you could find a police officer advising or insisting that you choose a particular tow operator to clear the accident scene.
Here’s what you should know:
As an Old Mutual Insure comprehensive motor vehicle policyholder, you automatically have access to Swift Accident Management Solutions’ 24 hour towing service. If your car is not drivable, you should call them immediately on 0860 24 7 365. (Note: even if your motor vehicle is only insured with us for Third Party, Fire and Theft or Third Party only, our management help-desk will continue to assist you.
However, the towing costs will be for your own account, subject to your Old Mutual Insure policy terms and conditions).
When the towing operator dispatched and authorised by the Swift Accident Management Solutions help-desk arrives, he should be both professional and courteous. Should the service not live up to your expectations, please take the relevant name(s) and motor vehicle registration, and report your complaint to us. We will ensure that appropriate action is taken.
If you would like more information about any of the Old Mutual Insure Vehicle Insurance products and services mentioned here, call us now on 0860 22 55 63 or submit your details and we’ll call you back.
Your home is the one place you should be able to feel secure, but unfortunately burglaries, accidents, fire and other damage can happen to anyone, with devastating and often costly results. Here we take a look at what you should do if you are faced with dealing with an emergency at home:
If you enter your property and notice anything out of place, leave immediately as the intruders may still be inside. Rather leave the premises and call the police from your cellphone, or from a neighbour’s home.
Important: Make sure that you report your claim within 30 days of the incident, and have your policy number handy when you call to submit your claim. If you had previously prepared for the possibility of a loss by videotaping or photographing your possessions and filling out an Inventory Form, have this information available for the assessment. An Internal Claims Consultant, External Loss Adjuster or an investigator will be appointed and will contact you within 24 hours.
Burst pipes and geysers and the resulting water damage are common household emergencies. Here’s what you should do if it happens to you:
One thing we have no control over is the weather. While we are relatively lucky in South Africa, we do occasionally have bad weather spells that can result in serious damage to property. If your home is damaged by storm, hail or flood, make sure you do the following:
If you have an Old Mutual Insure Houseowners policy, call our Claims Department immediately to report the damage and an External Loss Adjuster or an investigator will be appointed and will contact you within 24 hours.
Experiencing a house fire is a frightening and upsetting experience. In the event of a fire, it is very important to know what to do to protect yourself and others from any possibility of harm.
If you have an Old Mutual Insure Houseowners, Home Contents or Personal Goods policy, notify us as soon as possible that you have a claim. We have a system in place to deal rapidly with these types of substantial losses.
Having up-to-date insurance cover will help to ensure that you are able to cope financially in the event of loss or damage to your home, its contents and your personal valuables. If you are unsure about what level of cover you currently have, or you would like to find out more about the various types of cover available, call us now on 0860 22 55 63 or submit your details and we’ll call you back.
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