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What to do in case of a burst geyser

What to do in case of a burst geyser

By | Individuals | No Comments

Although we usually don’t dwell on things that can go wrong with the geyser, the reality is that something will, at some point. Here is what do when your geyser burst:

Contact the 24hr Orange Assist Emergency Helpline: 0861 467 966

Turn off the water supply

  • The water shut-off valve is usually situated outside

Switch the geyser off

  • The switch for the geyser is on your electrical distribution board.

Drain the geyser to reduce pressure

  • Drain the geyser to reduce pressure and minimize water damage if possible.
  • Be water wise and use buckets to collect the water to be used elsewhere.

Call for 24hr Home Assist – 0861 467 966

  • If you have the Orange Assist App, press the emergency assist button to have the call center call you back and arrange for an approved repairer to be sent to your location to begin repairs on your geyser.
  • You can also process your claim via the Insurance Zone Orange Assist App

Call your Broker

  • If you don’t have the Orange Assist App yet, call your broker and they will arrange for an approved plumber to be appointed as soon as possible so repairs to your geyser can be done.
  • Your broker will also send you the details to start your claims process.

Download the Orange Assist App for home assist at the touch of a button and to submit claims via the app.

Click here to download this article and send it you friends and family so they too will know what to do in case of a burst geyser.

Insurance, a vital tool in construction

Insurance, a vital tool in construction

By | Business | No Comments

The ongoing development of infrastructure around us brings with it associated risks that  require the correct products, technical expertise and advice. Insurance is a vital risk mitigation tool in construction projects which relevant parties cannot afford to go without.

These risks range from devastating damage to projects under construction, plant on site and the substantial associated liability exposures that attach to contractors whilst doing work on site. Protection against these losses is required at every stage of construction.

It is also important to understand where the legal obligation lies for the parties entering into the contract and determining which party is responsible for which risk and the associated insurance coverage required especially when there are several contractors and sub-contractors involved. This will be determined by the works contract which creates the legal obligations along with terms, conditions and period for completion to name a few. The works contract will determine the party responsible for taking out the cover required which may be the Employer or the Contractor.

Insurance Zone provides a wide range of products to cater for these risks with the main covers as follows:

These may be once-off or annual depending on requirements:

Contract Works Cover:

  • Covers any loss or damage to the actual contract works during the construction and maintenance period selected on the policy. This is extended to cover removal of debris, cost of demolition, professional fees, storage and transit of materials and claims preparation costs.

Plant All Risks:

  • Comprehensive cover is provided for contractors plant and equipment and can also be extended to include hired-in plant that the contractor has been made legally responsible for.
  • It is important to obtain the correct advice when deciding on what basis and how to insure the plant as this may be insured on New Replacement value, Market value or Agreed Value.

Public Liability:

  • Provides cover against any Liability for loss, damage, death or bodily injury to any third party or third party property arising out of the Contractors performance of the works contract.
  • Includes legal defense costs and Wrongful Arrest.

Surrounding Property:

  • This provides cover for loss or damage to property which is in the custody or control of or is being worked on by the contractor and arising out of the work being undertaken in connection with the contract.

Contact Insurance Zone or one of our accredited Brokers to assist in designing the correct tailor-made product that is best suited to your needs and contractual obligations.

 

What to do in case of a car accident

What to do in case of a car accident

By | Individuals | No Comments

Over one million car accidents occur each year in South Africa. Fortunately, most of them involve only property damage – damage to the vehicle as opposed to the drivers and passengers.

Here is a list of guidelines to follow if you are involved in a car accident:

Contact the 24hr Orange Assist Emergency Helpline: 0861 467 966

Stop and call for help

  • Stop, switch on your hazards to warn other vehicles and climb out of your car if it is safe to do so.
  • Call an ambulance and the police if passengers, drivers or pedestrians are injured.

Clear the road

  • Move any cars that are obstructing the flow of traffic, but be sure to mark their position on the road first if available, or to photograph the scene before the cars are moved. NOTE: If a person or animal has been injured in the accident do not interfere with the evidence or move any vehicles unless those vehicles are obstructing the traffic completely.

Assess the damage

  • For insurance purposes take photos of the accident from as many different angles as possible. Take close-up photos of any damage to your car and any other cars involved.

Questions and answers

  • Take down the following information from all other drivers involved in the accident as well as from people who witnessed the accident: Full names and surnames, ID numbers, contact details, vehicle registration, description of the vehicles (make, model and colour), Names and contact details of the police officials, paramedics and tow truck drivers
  • Take down the following details about your surroundings such as the street name and suburb, time of the accident, road conditions and visibility
  • Remember to also take note of what happened immediately before and after the accident, for example was the other driver drunk, talking on his/her cell or driving

Report the accident to the police

  • Report the accident to the police within 24 hours. If you are injured or in hospital and cannot report the incident within 24 hours, do so as soon as you possibly can and explain why your report is delayed.
  • Note: It is an offence not to report an accident in which another person has been injured or in which someone else’s property has been damaged even if neither of the parties intends taking legal action.

Report the accident to your insurance company

  • Report the accident to your insurance company and submit a claim where relevant.
  • Note: Report the accident to your insurance company even if you don’t intend submitting a claim to them. This is important because if you caused the accident another party involved in the accident may wish to make a claim against your policy. Click here to submit a motor accident claim form

Download the Orange Assist App for road and accident assist at the touch of a button and to submit claims via the app.

Click here to download this article and send it you friends and family so they too will know what to do in case of a car accident.