RiskSA UMA Directory 2014 by COSA Media

YOUR CLIENT’S CAR HAS BEEN PERSONALLY CUSTOMISED. WE’D LIKE TO DO THE SAME FOR THEIR INSURANCE.

Highly competitive pricings and a concierge-like service are just some of the many benefits of a bespoke MUA motor insurance policy. If you’d like to hear more please mail our Managing Director, Christelle Fourie, and her team at cfourie@mua.co.za www.mua.co.za MUA Insurance Acceptances (Pty) Ltd is an authorised Financial Services Provider (FSP No. 37947) underwriting on behalf of Compass Insurance Company Limited, an authorised Financial Services Provider (FSP No. 12148).

UMA Directory is published by:

(A division of COSA Communications (Pty) Ltd) www.comms.co.za

PO Box 60320, Table View, 7439

Ground floor, Manhattan Tower, Esplanade Road, Century City, 7441 Tel: 021 555 3577 | Fax: 086 618 3906 | www.umadirectory.co.za

Publisher and editor in chief Andy Mark Managing editor Nicky Mark

Design and layout Dave Androliakos Herman Dorfling Mariska le Roux Editorial enquiries

Production editor Sarah Bassett Editorial Christy van der Merwe Sarah Bassett Copy editor Margy Beves-Gibson

Tel: 021 555 3577 Fax: 086 618 3906 E-mail: info@comms.co.za Website: www.umadirectory.co.za

Advertising and sales Tel: 021 555 3577 Michael Kaufmann | michaelk@comms.co.za Blake Dyason | blake@comms.co.za Riccardo Raciti | riccardo@comms.co.za

Copyright COSA Communications (Pty) Ltd 2014. All rights reserved. Opinions expressed in this publication are those of the authors and do not necessarily reflect those of the Publisher, Cosa Communications (Pty) Ltd and or COSA Media. The mention of specific products in articles or advertisements does not imply that they are endorsed or recommended by this journal or its publishers in preference to others of a similar nature, which are not mentioned or advertised. While every effort is made to ensure accuracy of editorial content, the publishers do not accept responsibility for omissions, errors or any consequences that may arise therefrom. Reliance on any information contained in this publication is at your own risk. The publishers make no representations or warranties, express or implied, as to the correctness or suitability of the information contained and/or the products advertised in this publication. The publishers shall not be liable for any damages or loss, howsoever arising, incurred by readers of this publication or any other person/s. The publishers disclaim all responsibility and liability for any damages, including pure economic loss and any consequential damages, resulting from the use of any service or product advertised in this publication. Readers of this publication indemnify and hold harmless the publishers of this magazine, its officers, employees and servants for any demand, action, application or other proceedings made by any third party and arising out of or in connection with the use of any services and/or products or the reliance of any information contained in this publication. Please note while every effort has been made to ensure the accuracy of this directory, the publishers cannot be held responsible for any error or ommisions. If you have any suggestions on how to improve this guide, kindly email editor@comms.co.za

Specialist in engineering and contractors all risks

Specialist in insurance of 4x4 and other â&#x20AC;&#x153;outdoor toysâ&#x20AC;?

FSP License Number: 20816

FSP License Number: 39547

Specialists in excess waiver for PI cover

Specialist in agreed value motor insurance

FSP License Number: 36515

FSP License Number: 15491

OUR QUALITY UMAs

UMA A5 DPS v9.indd 1

2013/11/08 3:50 PM

UMA A5 DP

1/08 3:50 PM

Specialist in medical insurance for pets

Specialist in taxi insurance

FSP License Number: 44387

FSP License Number: 39312

PERFORMANCE GUARANTEES

Offers a comprehensive suite of guarantee products

Specialist in the needs of transport operators, fleet operators and owners of heavy commercial vehicles

FSP License Number: 15491

FSP License Number: 44721

ANOTHER REASON WHY RENASA IS THE BROKERâ&#x20AC;&#x2122;S BEST FRIEND

Renasa Insurance Company Limited is a registered financial service provider (license number 15491).

UMA A5 DPS v9.indd 2

2013/11/08 3:50 PM

PROFES

INDEM INSUR

Manw

FOREWORD Dear Reader I love our industry. Where else would an aspirant pilot, musician, artist, farmer or cyclist be able to immerse themself in their field of interest and still call it work? Let’s face it, even if you were the best artist in your high school matric class, the odds of you making a living from your art are not great. Yet, through niche insurance, you have an opportunity to become involved in the valuations of great corporate collections, help Interpol out when a daring art heist has taken place at a top gallery in Europe, attend openings, exhibitions and art auctions, and move in circles that are simply not accessible to the ordinary man in the street. The same goes for those UMAs specialising in aviation, vintage motorcars and game farming … and a thousand other classes of specialist insurance. UMA owners are passionate about their products. They have an indepth specialised knowledge of an industry or sector and their clients enjoy the benefit of expert advice from someone who really understands what they’re talking about. This, our fourth edition of the RISKSA UMA directory, lists the largest collection of these very special insurers, underwriting managers and suppliers in South Africa.

MARIN

INSURAN Nautic

EVENTS

ENTERTAIN

Compiling this list is a mammoth task and we have used a combination of hi-tech and old-school slog to ensure that every entry is as up to date as possible at the time of going to print. We are sure that our intermediary and insurance sector readers will derive as much value from this issue as they have from the previous three. If your business is listed here, and your details change during the year, please drop us a line. We will gladly update your information on the UMA Directory website and this will ensure that our next print edition carries the best available information for our readers – your clients.

KEU

We’ this insu bus prov

Andy Mark publisher

PROFESSIONAL

INDEMNITY INSURANCE

EMPLOYEE AND RISK BENEFITS

RISK FINANCE

SOLUTIONS

Blue Diamond

Centriq

Manwood

NON-STANDARD LIFE INSURANCE AllLife

MOTOR FLEET

INSURANCE Paladin

CAR HIRE INSURANCE BrokerserV

OWNER DRIVER

INSURANCE

HCV

Hambe Kahle

INSURANCE IUM

AVIATION

MARINE

INSURANCE Azriel Aero Aviation

INSURANCE Nautical

HEALTH & ACCIDENT

EVENTS AND ENTERTAINMENT

KEU EXCESS BUYDOWN

INSURANCE Beyonda Group

MOTOR STAND ALONE SAU

GENERAL BUSINESS

INSURANCE Xelus, Total Risk Administrators

IUM, Paladin, Paradigm, Ad Ultimum

WHY LOOK ANYWHERE ELSE? We’re all different. We think, work and live differently. At Centriq, we see insurance in the same way – differently. It’s this way of looking at you and your clients that makes us a partner you can trust and turn to, whatever your clients’ insurance needs, from assets to liabilities to people. Over the years, we’ve built relationships with leading UMA business partners in our industry that position us to offer each insurance broker and their clients unique solutions provided by dedicated and competent people – that’s the Centriq difference.

UMA The voice of the

The South African Underwriting Managers Association (SAUMA) is a professional organisation representing South African underwriting management agencies.

stablished in 1999, SAUMA has evolved into an impressive association with a solid trackrecord, strong industry connections and an extensive membership base. “We take the role which we and our members play, and the value we add to the insurance industry, seriously,” says Rory Gainsford, SAUMA chairman. “It is what distinguishes SAUMA as the voice of the UMA.” SAUMA’s key aim is to promote the UMA as an economically efficient means to underwrite and distribute insurance products on behalf of an insurer and actively promote the views and interests of its members, to the wider insurance industry and its stakeholders. “UMAs were perhaps not very well understood outside of their own industry and we had strategic intent to enhance our reputation with the likes of SAIA, FIA and non-insurance bodies such as the FSB. While there is still work to be done, we have definitely made significant strides in this regard,” Gainsford says. SAUMA has cemented close relationships with prominent industry bodies, such as the South African Insurance Association (SAIA) and the Financial Intermediaries Association of Southern Africa (FIA). SAUMA is also represented on the Financial Services Board (FSB). “These strategic relationships are key to SAUMA developing insurance regulation and monitoring pertinent issues that can affect the UMA,” says Stef Theofanidis, SAUMA vice chairman. He further emphasises, “Representing UMAs

in critical negotiations and discussions with the prudential authorities, whose subsequent rulings can significantly impact our members, is a fundamental contribution and one that we are proud of.”

Recent achievements and an eye to the future While the association says there is still work to be done, progress has been seen in negotiations with the FSB, particularly with regard to binder regulations and the need to differentiate between the role of broker intermediaries and that of UMAs. “There are now several areas where UMAs are seen as being their own entity and very different to brokers, enabling UMAs to participate in the underwriting profits which a broker cannot and to maintain their outsourced, uncapped fee structure,” Gainsford explains. The association is involved on the human capital development initiative to boost professionalism in the industry and has participated on the SAIA Strategic Risk Forum which looks at risks facing South Africa, such as unemployment and global warming, and whether there is any role the insurance industry can play in mitigating these risks. The UMAs listed in this publication provide insurance products and services to brokers on behalf of insurers and function similarly to an insurer’s operating division. This saves the insurer from having to duplicate its own staff, offices or other resources. These UMAs underwrite risks that require specialist skills, expertise and experience, which only they can bring to the insurance customer.

So you want to set up a UMA? You’ve identified a niche and you think you can make it work, but what do you do now? If you want to set up a new UMA, here are a few tips from SAUMA: • Compile a business plan: This plan includes a market analysis and product description. • Develop documents: The underwriter must put in place a policy wording, excess structure and underwriting guidelines or a manual.

• Apply to the FSB: When the above is in place, the underwriter must apply to the FSB for a financial services provider (FSP) licence in the correct category. • Find a risk carrier: Once the licence is approved, the underwriter needs to find a risk carrier or principal. This will require some homework and investigation. • Negotiate terms: Once an agreement has been reached between the underwriter and insurer, they will jointly negotiate the terms and conditions of their underwriting agreement.

SAUMA board The current SAUMA board consists of Rory Gainsford (chairman), Stef Theofanidis (vice chairman), and directors Andre de Waal, Bernie Ray, Natasja Blok, Leigh Friend, Curt Meyer, Stuart Benfield, Lana Mizen and Drew Schnehage.

For more information on how to become a SAUMA member or how to create a UMA, visit

www.sauma.org.

29800 MF_

29800 MF_Broker UMA Interimp.indd 1

2013/10/25 10:19 AM

FAIS compliance:

Key focus areas for 2014 Reducing the compliance risk in their business is an ongoing focus for advisers. Richard Rattue, managing director of Compli-Serve SA, provides some key focus areas.

Get qualified The FSB and INSETA are offering additional assistance to those advisers whose brains freeze up come exam time. A second-tier of product exams and continuous professional development loom on the distant horizon. Barring fraud, this is one of your biggest compliance risks at this time, and should be addressed sooner rather than later. Seek advice from the pros You need professional advice if compliance is to make any difference in your business. Most professional compliance officers are members of the Compliance Institute of South Africa and this should be one of the first ports of call when managing your compliance risks. Enter as evidence A record of advice must actually be entered into evidence, dated, signed by client and adviser, and clearly stipulate the needs and objectives, recommendations and motivation. If this is not the case, the document is useless. Non-compliance is a no-no Non-compliance in submitting financial statements, compliance reports or payment of levies will result in a penalty or a notice of suspension letter from the Financial Services

18 36

Board FSB. It should be a simple task to note the deadlines and ensure that you meet them. Cash at hand Some FSPs are required to keep a minimum amount of operating expenses in the bank, from four weeks to 13 weeks at all times, in terms of their fit and proper requirements. What you save in cash will certainly cost you a lot more in reputational harm. Keeping record Recording advice diligently, and clearly indicating your recommendations, is essential. A complaint to the ombudâ&#x20AC;&#x2122;s office will elicit a request for the financial documentation, and a dim view will be taken if you have no supporting evidence from the files. Ensure you are legit Product suppliers check to ensure that contracts with advisers are licensed correctly and if underlying product categories reflect correctly. Failing to have correct categories will meanproduct suppliers will cease business and commission flows. Applying for a new product category is a time-consuming task, and in most cases, it wonâ&#x20AC;&#x2122;t be granted by the FSBâ&#x20AC;&#x2122;s registration department.

Remuneration disclosure In terms of FAIS, it is clear that a client should be made aware of the costs of any product. While a percentage is often shown, there seems to be continued reluctance to reflect the Rand amount, which usually means that an adviser does not want the client to think it is too high and may have difficulty explaining how the fee is earned. This is particularly the case in some upfront fee structures, as we are all aware.

financial services industry by 2014.

Update register FSPs often do not remove representatives in time for the levy cut-off and therefore are being billed for individuals who are no longer in their employ. Make sure that you check representative numbers and forward notification to the FSB before the deadline.

A complaint is a pivotal point in the relationship with a customer, and if treated well, they become more loyal. If ignored they may move on. Less than one per cent of people complain, the others just take their business elsewhere. Handling complaints effectively creates an opportunity like no other to increase customer loyalty.

TCF: compliance and opportunity In 2011, the FSB announced it would implement a Treating Customers Fairly (TCF) policy for the South African

Companies need to understand that managing feedback and complaints properly is critical for embedding a culture of TCF. By capturing all feedback, over time organisations can gain good insight into the root cause of complaints and then set out on a path to ensure that they meet the FSBâ&#x20AC;&#x2122;s reporting requirements around TCF. In addition it will help them start to address the other TCF outcomes.

You can assess your own readiness for TCF at: www.fpi.co.za in the resource centre section.

19 37

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CPD

WHAT YOU NEED TO KNOW Neesa Moodley-Isaacs

As financial services professionals, financial advisers in particular, we are all too familiar with references to Continuing Professional Development (CPD). But how exactly does it work? Charmaine Koch, the professional development manager at the Insurance Institute of South Africa (IISA), says CPD is a way to ensure that financial advisers stay current with market activity, changes in legislation and further their qualifications on an ongoing basis.

planning profession, is the hallmark of a true financial planning professional. “A CPD system therefore serves as a valuable framework for FPI members in helping to direct their continuous professional development so that they can continue to add value to their clients,” he says.

Godfrey Nti, the chief executive of the Financial Planning Institute (FPI), says a commitment to continual learning, to keep up to date with the inevitable and rapid evolution of the financial

Traditional academic qualifications are linked to a once-off examination or a series of studies and thus only prove competence at the time of conferment, he adds. “For the

G IN life cycle of a professional, however, having met initial certification requirements, of which academic qualification is only a part, the process of continuous learning may be even more important than the initial certification. So CPD plays a vital role in maintaining skills and abilities, embracing change in methodologies, regulation and continuous ethical development,” Nti says.

CPD requirements There are two different sets of CPD requirements in the financial services industry: those for professional members of professional bodies and those for regulatory Financial Advisory and Intermediary Services (FAIS) requirements. Under the FAIS fit and proper requirements, advisers, key individuals and representatives need to have completed specific CPD requirements within three-year cycles. The hours of CPD required for a representative ranges from 15 – 60 hours per three-year cycle, depending on the specific category and subcategory or subcategories the representative is registered for. If a representative is appointed in multiple categories or subcategories, the highest requirement in terms of notional hours will apply. The FAIS requirement is said to be: • 10 hours per year for personal lines. • 15 hours per year for commercial lines or a person working with both personal and commercial lines. • 20 hours per year for a person working in long-term insurance, health insurance or investments, or a person working across any of these and short-term insurance categories. However, the Financial Services Board (FSB) confirmed with RISKSA that CPD requirements in terms of FAIS are currently on hold. In October last year, the FSB published a bulletin

in the Government Gazette, announcing that all key individuals, financial service providers and representatives are exempt from CPD requirements until further notice. The FPI requires its members to have 65 CPD hours or points over a two-year cycle. One hour is equivalent to one CPD point. “Our enforcement team routinely conduct audits of member adherence to its CPD policy. We also routinely terminate the membership of members who ultimately cannot demonstrate adherence to our CPD policy,” Nti warns. Advisers may not carry over excess CPD points to the next two-year cycle, unless they can motivate this due to extenuating circumstances such as medical, disability or parental leave. The FPI 65-hour CPD requirement is further broken down – with 55 hours required from knowledge activities and 10 hours from skills or activities. Under ‘knowledge’, the adviser is required to have 45 hours structured CPD and 10 hours unstructured CPD. Under ‘skills and activities’, the adviser is required to have 10 hours structured or unstructured CPD. Structured CPD includes seminars, presentations, conventions, online learning organised by the FPI, conferences, SAQA-registered courses, presenting/teaching/lecturing and professional exams. Unstructured CPD includes participation in the FPI technical committee, writing on an industry-related topic, online programmes not pre-approved by the FPI and professional reading. The IISA requirement for professional members is 30 hours per annual cycle, running from 1 July to 30 June each year. The IISA has a CPD calendar of events that includes conferences, seminars, courses and workshops, and qualification study as well as a list of professional reading which must be verifiable.

Insu

• 20

mi acc du tyr fai

agricultural Umbrella cover for the entire farm.

GENRIC INSURANCE INFO WHEEL

coMMercial Tailored, flexible commercial insurance.

Insurance specIalIsed

coMMercial legal For legal expenses of SMEs.

R6.6M

personal legal advice, mediation, representation insurance.

8.5

1.3

280

Experts in developing new agencies across a wide range of short-term insurance lines. With leading underwriting agencies on board, we can proudly claim a premier group of specialist insurance partners.

cYcle insurance all-risk cover for cyclists.

• 1,300,000 ha of south africa are under irrigation. • r280M agriculture portion of 2011 Gdp.

• 20% of

dealer assist Motor dealer policy for cPa claims.

• 8,500,000 south africans live from agriculture.

• r6.6M

payout in one case. professionals are VulneraBle.

20%

goods in transit Tailored GIT cover.

minibus accidents due to tyre failure.

• r2.7m damage awarded in personal injury case.

• 1 in 500 businesses will suffer interruption in operations.

heaVY coMMercial Vehicles Flexible cover.

tY re W ar & r ra iM nt Y h

cyclists 4x more likely per km to die cycling than driving.

insur

ance

cYcle

Y Mpan itY co ilities liaB

secur

Insurance

• 1 = the only motor dealer

cpa insurance in existence.

th al

office autoMation Office equipment loss/damage cover.

& de

rental deposit guarantee commercial property rental deposit cover.

co M son Mer c al legial al

319%

legal complaints against motor dealers.

assis

ercia

per

• 319% – increase in

ler

al nt ee re t & ran l a a nt gu re sit po e d

35,000 cyclists in cape argus cycle Tour.

nce

insura

dea

GENRIC

oMM VY c hea les Vehic

35,000

specie

tc ra

agricu

nal essio prof nitY (pi) M inde

ltural

health & accident Various products.

8.94% of 2010 Gdp

for health expenditure.

• 61% pay rent •

42%

on time. 9% don’t pay rent at all.

for public health expenditure.

• 24 hour

legal advice.

• 200,986km

4.3%

• 400,000 private security guards. • 8,500 private security companies registered.

200 986km

national road network.

• 4.3%

of sa active population work in transport.

8 500 400 000

R9m

tYre & riM accidental tyre & rim damage insurance. scratch & dent The repair of scratches, dents, bumper scuffs and windscreen chips at a specified repair facility. Mechanical WarrantY Financial protection in the event of the vehicle breaking down due to mechanical or electrical failure.

• 200-250%

growth forecasts of the freight industry over the next 20 years.

83%

TEL: 086 144 4462 • E-MaIL: info@genric.co.za GENRIc Insurance company Limited

specie insurance Specialised niche policy to insure cash and valuables on premises, or in transit.

• 83%

department of Transport’s estimate of goods transported by road.

• Value of 20kg of gold = around r9m as at Oct 2013. • 358 cash in transit heists 2009/10.

securitY coMpanY liaBilities Security industry cover.

42% of 2010 Gdp

8.94%

24hr

61%

5% of 2010 Gdp for private health expenditure.

rental guarantee Protecting the landlord in terms of the lease agreement.

GENRIc Insurance company Limited is an authorised Financial services Provider (FSP No: 43638)

200-250%

professional indeMnitY (pi) For short term insurance intermediaries & motor dealers.

Financial advisers can apply to the IISA to have the following activities evaluated for CPD recognition: • Any published articles that have been written for publications related to the industry (limited to three hours per annual cycle). • Any industry-related learning material that they have written or updated. • Any lectures or presentations they have presented on industry-related topics. • Participation on industry committees. The financial adviser can submit the front page of the minutes indicating their attendance at the meeting with a summary of time spent. The annual membership fee for professional members does not include the registration fee for various events recognised for CPD purposes, but it does include access to the IISA system as well as CPD and academic records. Koch says IISA members do qualify for discounts in terms of registration at certain events.

Recording of CPD details Any company that organises and provides CPD activities is required to register attendance using the attendees’ identity number, which is used at the event for verification purposes. After the event it is the organiser’s responsibility to provide the relevant industry body or the FSB with a copy of the attendance register which should reflect the identity number, signature and contact details of the people who attended. The relevant body, for example, the IISA will then record the CPD for each person on their internal system. If they cannot match the details captured with the details on their system, the person whose details are in question is then contacted directly to ensure that their CPD allocation is recorded. “Once the FSB systems are online, the IISA will do regular uploads to the FSB system of all recorded CPD,” Koch adds. Representatives will have to log their CPD activities on the online CPD register of the FSB.

“The critical issue when considering the costs of CPD is to ensure that you choose the activities most relevant to you, as not all activities require a registration fee. Some companies have also registered their internal training programmes which will also not require a registration fee, so financial advisers should check their company’s internal programmes first,” she says.

The IISA and FPI work together collaboratively, and it is recommended that long-term CPD activities are recorded by the FPI and while short-term CPD activities are recorded by the IISA, unless otherwise arranged. “However, it is necessary to note that we do not share records or systems,” Koch points out.

RISKSA Magazine readers now qualify for IISA CPD hours too. Follow the easy registration steps on risksa.com to claim your points.

For compliance purposes, professional members have free access to their CPD record via the IISA website, whereas non-members may be asked

Koch says only three activity categories are capped by the IISA Professional Standards Committee as follows:

Activity

Capped limit

Capped rating

Professional reading

10 per cent of annual requirement

Three hours

Writing articles

10 per cent of annual requirement

Three hours

Industry committees

15 per cent of annual requirement

4.5 hours

for a nominal fee to access their CPD record. Individual CPD records and company reports are also available for given periods. The FPI, on the other hand, requires members to take personal responsibility for updating their CPD records on the online CPD register available on its website. FPI members are expected to maintain supporting documentation of their CPD points earned for a minimum of five years.

Challenges Koch says to date the IISA has experienced a great response from event organisers, corporate subscribers and members in terms of giving due recognition to events and activities that are deserving of CPD recognition. “An audit of member uptake has shown a progressive incline of attendance of approved CPD events,” she says.

However, Koch points out that the IISA system is still relatively new, so certain issues, such as retired members are on the agenda for discussion. “Where we have members in unique situations, this is discussed and rated based on the merits of the individual’s case, as CPD is certainly not a one-size-fits-all issue,” she says. Nti says while FPI members do not specifically complain about the CPD system, there have been indications that they find the administrative task of uploading CPD points tedious and time-consuming. “Members are unsure about which categories to load their points under, and how many points to allocate. Members are sometimes unsure regarding the minimum and maximum requirements in structured and unstructured CPD points,” he says.

Underwritten by Guardrisk

FSP Number: 4578 Natsure (Pty) Ltd is an Authorised Financial Services Provider

Underwritten by Guardrisk

Underwritten by Guardrisk Underwritten by Guardrisk

30 6

UMA A-Z

31 7

Ten facts about aviation 1

Bird aircraft strike hazards are a significant threat to the aviation industry and cause an estimated R11.6 billion of damage to commercial aircraft annually.

Pilot error accounts for 50 per cent of all fatal aviation incidents.

The 11 September terrorist attack in 2001 cost insurance companies around R391 billion.

The International Air Transport Association estimated that the EyjafjallajĂśkull volcano ash crisis in 2010 cost airlines more than R16.55 billion.

After the crash of Japan Airlines Flight 123 on 12 August 1985, in which 520 people died, without admitting liability Japan Airlines paid R80 million to the victimsâ&#x20AC;&#x2122; families.

The deadliest accident in aviation history occurred on 27 March 1977 when two Boeing 747 passenger aircraft collided on the runway of Los Rodeos on the Spanish island of Tenerife. There were a total of 583 fatalities.

The Cessna 172 is the most produced aircraft in the world with over 60 000 built since the first one took off from the runway in 1956.

The Airbus A380 is in service in many commercial airline fleets. Prince Alawaleed bin Talai, a Saudi businessman and investor, happens to own one making it the most expensive privately owned jet in the world costing in the region of R2.96 billion.

The hijacking of an aeroplane is listed as one of the biggest fears of mankind.

The Hartsfield-Jackson Atlanta International Airport has the record for the most aircraft movements in a single year with 994 346.

32 2

33 3

Agriculture and farming African Rand Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 731386, Fairland, 2030 Phone: +27 (0)11 678 1354 Fax: +27 (0)86 685 9120 Website: www.africanrand.com E-mail: dion@africanrand.co.za FSP licence number: 5742 Insurer/risk carrier/principal: Genric Insurance Company Limited (FSP 43638) Product information: AGRInSURE is a complete farm insurance product on which the client can depend to protect their dwellings, personal contents, farm buildings, machinery, equipment and livestock. It also provides farm liability coverage. AGRInSURE is a self-contained policy, flexible in design and applicable to a variety of agricultural insurance needs. It’s not a homeowners’ or commercial policy stretched to fit the typical farming operation. Instead, AGRInSURE policies are designed with the client in mind and the coverage is written specific to farming risks.

African Rand is underwritten by Genric Insurance Company Limited and exceptional claim service is guaranteed. In addition to the typical commercial and domestic covers offered, the policy is extended to provide cover specifically for farmers. This includes: • Special provisions with reference to livestock • Pumps and electric motors • Irrigation pipes and pumping equipment • Hammer mills • Property in the open • Spray irrigation systems on wheels and centre pivots • Paddock and boundary fences • Damage to water tanks and water apparatus • Produce and livestock in transit • Droving and escaping of animals and stray animals • Spreading of fire • Various farming-related risks to motor vehicles. Contact us for all of your farming assets and livestock insurance requirements.

Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Phone: +27 (0)87 232 8860/ +27 (0)87 232 8560 Fax: +27 (0)86 620 0174 Web address: www.acaselect.co.za E-mail: leon@acaselect.co.za francois@acaselect.co.za FSP licence number: 39835 Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small

34 4

to medium industries). Hospitality lines: We are able to write hospitality business – lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire. Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle Cover – We have a market first in this product where we are breaking boundaries to extend existing clients’ cover to ensure that they are not left with a shortfall when experiencing a claim.

Agriculture and farming Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP No: 3417) Product information: IUM assists you, as the broker, in helping your clients to cover the risk and harvest the benefits of growing their business – come rain or shine. Together, you and IUM form a thriving partnership for the benefit of your clients, from which a new product has grown. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: Accidental damage; buildings; business interruption; combines and tractors; computer equipment; droving of animals; farming implements; fire; fire on veld; house owners; house contents; inflation and escalation; irrigation systems, machinery breakdown; money; motor; property in the open; public liability; spread of fire; theft.

Landmark Underwriting Agency Physical address (head office): 1st floor, Westdene Centre, Cnr 1st Avenue and Reid Street, Westdene, Bloemfontein, 9301 Postal address: PO Box 1941, Bloemfontein, 9300 Phone: +27 (0)51 430 3371 Fax: +27 (0)51 447 2463 E-mail: gert@landmark-ua.co.za FSP licence number: 12654 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP 12148) Product information: Landmark’s policy covers the following risks: livestock – cover against loss or damage resulting from power surge and damage to geysers also under the fire; buildings

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combined and office contents sections; fodder stored in buildings and in the open; pedigreed/ registered farm dogs; spread of fire cover options; products liability; cover against bursting and overflowing of dams; droving of animals; animal trespass; warehousemen’s liability; house owners and home contents; stress cover following a total loss; landscape cover; posttrauma counselling; labour relations advice cover; visitors’ medical expenses following injury caused by any animal; domestic veterinary expenses following a road accident; cover against loss or damage of all farm vehicles, implements and irrigation equipment including cont 

A Continued

loss of use of private cars/combines and tractors; large tyre cover for farming vehicles; emergency overnight accommodation; loss of valuable electronic data free cover for death after farm attacks, motor vehicle hire cover, as well as other risks. Who is the typical client for this product? The owner or manager of a farm seeking tailormade short-term insurance for all personal and agricultural needs as well as selected commercial activity risk needs. Why Landmark? Landmark consists of a dedicated knowledgeable team who has many years’ experience in the underwriting of farmers’ short-term insurance needs and who understands your business. Our only business is the underwriting of the assets and liabilities of farmers and we market our product through established brokers with whom we have a long-standing relationship and who understand your business and are consistent and well established in your area. Riscor Underwriting Managers Physical address (head office): Building B, Level 1, Route 21 Corporate Park, Nelmapius Street, Centurion, 0153 Phone: +27 (0)12 940 5226 Fax: +27 (0)12 679 0427 Web address: www.riscor.co.za E-mail: admin@riscor.co.za FSP licence number: 43818 Product information: Riscor is a unique company that offers its extensive broker network to a spectrum of products in the personal, commercial and agri lines of business, thereby providing a complete and effective administrative and management solution to brokers.

We provide all types of short-term insurance and hold mandates with some of the largest insurance companies in the country. Riscor performs insurance administration of both personal lines and commercial portfolios on behalf of insurance companies, and operates as an extension of the insurer’s operation. Insurers effectively outsource the total broker support function to Riscor, with Riscor having the mandate to act on the insurer’s behalf. Riscor offers a complete one-stop service, comprising underwriting management, policy administration, rate setting, claims management and statistical analysis of insurance portfolios. We are part of a dynamic organisation and are driven by a passion for delivering value, service and integrity to our brokers.

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Art & Collectibles Artinsure Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041 Phone (head office): +27 (0)86 111 1096 Fax (head office): +27 (0)86 678 0333 Website: www.artinsure.co.za E-mail: info@artinsure.co.za FSP licence number: 36954 Insurer/risk carrier/principal: Hollard Insurance Company Ltd (FSP number: 17698) Product information: Art and collectibles are unique in that they are appreciating assets requiring specialist insurance. A standard

contents or assets policy is not likely to meet the specific needs that collectors require for their valuable, rare and often irreplaceable collectible items. The Artinsure Collector policy is specifically designed for your precious collectibles, and will put you back into the same financial position that you were in prior to a loss, including the depreciation that follows damage. Full theft and accidental damage cover is standard on the policy along with numerous benefits and the support of a panel of expert valuers and restorers.

Aviation Aeronautica Underwriting Managers Pty (Ltd) Physical address (head office): 4th Floor Palm Grove Building, Houghton Estate Office Park, Osborn Road (corner 196 Louis Botha Avenue), Houghton Estate, 2041 Phone: +27 (0)11 483 3377 Fax: info@icapital.co.za Web address: www.natsure.co.za

E-mail: info@icapital.co.za Insurer/risk carrier/principal: Guardrisk Insurance Company Limited FSP licence number: 4578 Product information: Aeronautica Underwriting Managers is a niche UMA offering pilot excess insurance to the aviation industry.

A Airspace Africa Underwriters Physical address: Hatfield Corner, 1101 Burnett Str, Hatfield, Pretoria, 0083 Telephone: +27 (0)86 133 3345 Fax: +27 (0)86 606 9741 Web address: www.airspaceafrica.co.za E-mail: info@natsure.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Coverholder at Lloyd’s Product information: In addition to the Airspace Africa hull all risk, liability and hull war risk insurance, our specialist brokers can offer their clients access to a variety of newly and specifically designed aviation risk finance tools to enable aviation clients to manage their risk efficiently.

• Helivac (emergency medical rescue including stated benefit) • Hull deductible insurance (including standalone) • No claims bonus protection plan • Marine cargo (aviation related). Airspace Africa Underwriters has designed easyto-read and unambiguous wording of which copies are freely available on our website. Aircraft policy: Hull all risks/liabilities/hull war risks Aerodrome owners and operators Airport liability/hangar keepers/repairers’ liability/airmeet liability. Personal accident: Crew hull deductible insurance; buy-down of policy deductible.

These products include, but are not limited to: • Airport owners’ and operators’ liability including airmeet liability • Personal accident for crew

Azriel Aero Aviation Underwriting Managers Physical address (head office): Block 816/5 – Hammets Crossing Office Park, cnr Witkoppen and Selbourne Roads, Fourways Phone: +27 (0)11 462 6200 Fax: +27 (0)11 462 6232 Web address: www.azrielaviation.co.za E-mail: jan@azrielaviation.co.za Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited. FSP licence number: 43029 Product information: Azriel Aero Aviation (AAA), an aviation insurance underwriting agency with an impeccable record, guarantees brokers a speedy turnaround time from the quotation to the claim settlement phase. The

reason being that AAA understands the nature and demands of aviation; hence, the company’s ethos of being available 24/7 and partnering with key aviation syndicates and various other reputable sources of information to keep abreast of global developments. That way, brokers receive unparalleled industry updates and service excellence, which they in turn can pass on to their clients. Aside from processing all claim settlements themselves, brokers will appreciate the fact that AAA is in control of the entire claims process, from appointing qualified assessors, to providing brokers with weekly claim progress reports. And although AAA fully embraces technology, personal interaction with brokers and their clients remains first priority.

Ten facts about bicycles 1

Cycling is recognised as one of the fastest-growing sports in South Africa.

The most expensive bicycle in the world is the Damien Hirst Butterfly Trek Madone with a price tag of R4.9 million.

In 2003, the number of bikes produced annually around the world climbed to over 100 million.

Although bicycles are produced in many countries, the top five producers are responsible for 87 per cent of global production.

People from Holland are the most active cyclists in the world with an average of three kilometres cycled per person in the country every day.

Italy is the most dangerous place in the world to cycle a bike, with 11 cyclists killed per 100 million kilometres.

Germany has over 31 000 kilometres of paths and lanes exclusively for bicycles.

The USA allocated almost R29 billion in federal funding to bicycle and pedestrian projects between 1998 and 2003.

The Cape Argus Pick n Pay Cycle Tour is the worldâ&#x20AC;&#x2122;s largest individually timed cycle race with as many as 35 000 entrants.

In Amsterdam, over 60 per cent of trips in the inner city are made by bicycle and, in the greater city area, 38 per cent of trips are made on a bike.

Bankers’ blanket bonds Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

Some of its products include: directors’ and officers’ liability, employment practices liability, pension fund trustees’ liability, general liability, commercial crime, professional indemnity, body corporate trustees, clinical trials, directors’ and officers’ professional indemnity, fidelity guarantee for financial institutions, medical malpractice for medical establishments and practitioners, and cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

Bed and breakfast and guesthouse insurance BnB Sure (Pty) Ltd Postal address (head office): PO Box 4047, Ferndale, Randburg, 2125 Phone (head office): +27 (0)86 126 2787 Fax (head office): +27 (0)11 326 3613 Web address: www.bnbsure.co.za E-mail: simone@bnbsure.co.za FSP number: 9854 Product information: BnB Sure is the only company involved with the insurance of B&Bs and guesthouses in South Africa with a complete

focus on that sector of the tourism industry. This allows us to give it our 100 per cent attention and not have to worry about other classes of insurance at the same time. We believe that our policyholders are all tourism ambassadors for South Africa and provide the highest level of accommodation they can. We recognise this by acknowledging the status of tourism ambassadors to all those establishments insured by BnB Sure and we invite them to display the Tourism Ambassadors Certificate which incorporates the Seal of Insurance.

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HIC Underwriting Managers (Pty) Ltd Physical address (head office): Eastwood Office Park, 11b Riley Road, Bedfordview, 2007 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Web address: www.hicsa.co.za E-mail: info@hicsa.co.za FSP licence number: 5072 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited

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Product information: Service is something we are passionate about and as a result we won the FIA UMA award in 2012. We are committed to providing first-class service to all our broker partners with over 15 years servicing the hospitality industry with our tailor-made products. We offer a wide range of products not restricted to one segment of the industry but designed for various types of establishments including B&B, guesthouses, lodges, boutique hotels, golf clubs, restaurants and conference centres.

There are other policies claiming to be tailor made for B&B’s and Guesthouses Don’t confuse them with the real thing Only BnB SURE has been created by B&B and Guesthouse owners for B&B’s and Guesthouses Speak to your broker or visit www.bnbsure.co.za

Authorised FSP No: 9854 Underwritten by Zurich, Lloyd’s and other insurers as stated on our website at www.bnbsure.co.za

Bicycle insurance Policy Provider Underwriting Managers I-Cycle cover includes: • All risks cover for bicycles, equipment and accessories based on new replacement value • Cover for incidents which include theft, bike jacking and damage to your cycle while training or racing, cash back and an option of excess buyback • Cover while competing in international events, national events, provincial events or any other sanctioned events including club rides • Public liability of R 1 000 000.

Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Web address: www.i-cycleinsurance.co.za Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 E-mail: sean@policyprovider.co.za FSP licence number: 43569 Insurer/risk carrier/principal: Genric Insurance Company Limited (FSP 43638) Product information: I-Cycle – At last an all-new product now available to all cyclists. An all risk policy that will provide you with cover while you are participating in a race, training or travelling abroad. I-Cycle will ensure that your equipment is covered no matter where you are, whether it is in the mud participating in a local derby, on the road competing in your favourite classic or on a track abroad.

To offer you a peace of mind, I-Cycle will include the following in your new tailor-made package: • Medical benefits of up to R100 000 for any accident • Personal accident cover, death or permanent disability cover of R100 000.

Bloodstock Kuda Insurance Administrators (Pty) Ltd Physical address (head office): Unit 78, Eden on the Bay, Beach Bay Boulevard, Bloubergstrand, 7441 Phone: +27 (0)21 554 KUDA (5832) Fax: +27 (0)21 554 KUDA (5832) Web address: www.kuda.co.za E-mail: wsmith@kuda.co.za FSP licence number: 26/10/38382 Insurer/risk carrier /principal: Infiniti Insurance Ltd Product information: Kuda offers the full suite of bloodstock, game

and exotic wildlife insurance products. Our products cover mortality, infertility, loss of use, loss of income, veterinary cover, public liability cover and personal accident cover. Our bloodstock offering includes products for thoroughbred racehorses, as well as the many breeds of horses involved in the various sport horse disciplines. Not only are our rates extremely competitive, but we pride ourselves on our ability to innovate, our excellent service and our understanding of the needs of our clients.

B PSG Nucleus Physical address (head office): Block B, Corporate 66 Office Park, 269 Von Willich Ave, De Hoewes, Ext 233, Centurion, 0157 Phone: +27 (0)86 1 222 257 Fax: +27 (0)12 679 0426 Web address: www.psgkonsult.co.za E-mail: centurion@psgkonsult.co.za

FSP licence number: 728 Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: PSG Nucleus is involved in the provision of bespoke and market leading short-term insurance products providing cover for livestock and stud cattle.

Body corporate and sectional title Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal

Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of its products include: directors’ and officers’ liability, employment practices liability, pension fund trustees’ liability, general liability, commercial crime, professional indemnity, body corporate trustees, clinical trials, directors’ and officers’ professional indemnity, fidelity guarantee for financial institutions, medical malpractice for medical establishments and practitioners, and cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 Website: www.cia.co.za E-mail: sharne@cia.co.za Registration number: 2000/019340/07 FSP licence number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: CIA underwrites on behalf of Compass Insurance Company Limited (FSP number 12148, registration number 1994/003010/06). Residential and commercial sectional title policies: CIA’s sectional title products comply with the requirements of the Sectional Titles Act, providing trustees with complete peace of mind. These products include many additional and unique complementary benefits

for residential as well as industrial or commercial bodies corporate. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Office contents (residential product) • Liability • Trustees’ indemnity • Employers’ liability • All risks (residential product) • Money • Fidelity • Machinery breakdown (residential product) • Geyser maintenance • Commercial glass • Limited subsidence and landslip cover • Power surge • Claims preparation costs.

B Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: We have for many years provided cover for bodies corporate and the sectional title industry. Our product is specialised with a wide variety of cover specifically suited to provide peace of mind for this sector of the market. Our product has many additional features and cover which are unique. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Accidental damage • All risks • Buildings • Commercial glass • Employee’s liability • Fidelity • Geyser maintenance • Inflation and escalation • Liability • Loss of rent or alternative accommodation • Machinery breakdown • Money • Office contents • Public supply connections • Trustees’ indemnity.

Body corporate and sectional title (cont.) Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, 2007 Phone: +27 (0)11 601 8800 Fax: +27 (0)11 601 0530 Web address: www.insurancezone.co.za E-mail: info@insurancezone.co.za FSP licence number: 42879 Insurer/risk carrier/principal: Hollard Insurance Company

Product information: Insurance Zone knows the specific requirements of bodies corporate and sectional titles and how the products and benefits should be structured to provide maximum cover for peace of mind. With many brokers turning to Insurance Zone to share their expertise, call us to see what the fuss is about.

Stilus Underwriting Managers (Pty) Ltd Physical address: Ground Floor, Corporate Place, 13 Mispel Road, Bellville, 7530 Phone: +27 (0)21 948 3585 Fax: +27 (0)21 948 4028 Web address: www.stilus.co.za FSP licence number: 8783 Insurer/risk carrier/principal: Absa Risk Management Services Ltd

Product information: Levy insurance – bodies corporate and HOAs Stilus policies guarantee the major assets of both bodies corporate and home owners’ associations being their cash flows derived from members’ monthly levy payments. Claims for defaulters’ arrear levies are settled within seven working days.

Broad-form liability cover Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of its products include: directors’ and officers’

liability, employment practices liability, pension fund trustees’ liability, general liability, commercial crime, professional indemnity, body corporate trustees, clinical trials, directors’ and officers’ professional indemnity, fidelity guarantee for financial institutions, medical malpractice for medical establishments and practitioners, and cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

Leppard & Associates (Pty) Ltd Postal address: PO Box 2730, Houghton, 2041 Phone (head office): +27 (0)11 459 1640 Fax (head office): +27 (0)11 268 5887 Web address: www.leppard.co.za E-mail: simon@leppard.co.za FSP licence number: 274 Insurer: Lombard Insurance Company Limited (FSP: 1596)

Product information: General public liability, broad-form liability, products liability, events liability, excess layers and umbrella covers, agrichem liability, motor third party liability, personal liability top-up (XOL and umbrella), commercial liability top-up (XOL and umbrella), warehousemen’s and carriers’ liability and contractors’ liability.

Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Phone (head office): +27 (0)11 463 1101 Fax (head office): +27 (0)86 636 5825 Web address: www.rtspi.co.za E-mail: dwozny@rtspi.co.za FSP licence number: 41202 Insurer/risk carrier/principal: RMB Structured Insurance (FSP: 1027)

Product information: • General public liability including tenants/property owners • Products liability • Mitigation expenses • Employers’ liability • Defective workmanship • Excess of loss • Bespoke cover for renewable energy programmes – wind and solar projects.

Broad-form liability cover (cont.) Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: Broad-form liability cover – In an ever-changing world of manufacturing, mining, retail, construction, legislation and technology, we give you access to a local market with global expertise where our word is still our bond. The team is dynamic, focused and has extensive

experience in the broad-form liability field. SHA’s policy provides the widest cover that is available and the company is able to offer unique solutions. The following covers are available: General Public Liability Property Owners and Tenants including spread of fire and sudden and accidental pollution; Product Liability including defective workmanship and inefficacy; Products Guarantee and Recall; Contractors’ Liability including own and PCI contracts and lateral support; Security Liability; Employers Liability including employee to employee liability; Employment Practice Liability; Pure Economic Loss; Wrongful Arrest, Statutory Legal Defence costs, Warehouseman’s and Carriers Consequential Loss Liability; Advertisers’ Liability; Plant Hire Liability.

Building insurance CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 Web address: www.cia.co.za E-mail: sharne@cia.co.za FSP licence number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: CIA underwrites on behalf of Compass Insurance Company Limited (FSP number: 12148, registration number: 1994/003010/06). CIA’s Property Owners’ Combined policy offers the widest cover available for residential, commercial and industrial

properties at highly competitive rates. All buildings, irrespective of occupation, are issued on a combined basis, including numerous complementary extensions. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Liability • Glass • All risks (optional) • Machinery breakdown (optional) • Limited subsidence and landslip cover • Power surge • Claims preparation costs.

Buses (Passenger Transport Vehicle Insurance) Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM’s passenger transport vehicle insurance products are developed and administered by a division which is dedicated to passenger transport vehicle insurance. Cover is available for tour operators, commuter buses, shuttle services, long distance passenger transport, buses, private hire (hire and reward), group tours, bus companies and operators. We offer immediate, interactive assistance from the time a claim occurs via our 24-hour call centre.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services. Cover includes: • Fire extinguishing charges • Locks and keys • Third party liability • Towing charges • Windscreen cover • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducer: Own damage • Excess reducer: Theft and hijack.

Ten facts about cellphones 1

Four out of five people worldwide have a cellphone.

The use of search engines via mobile devices has grown over 500 per cent since the year 2011.

The first mobile telephone call was made on 3 April 1973 by Martin Cooper, a former Motorola inventor, who is known as “the father of the cellphone”. He rang the boss of a rival manufacturer from Sixth Avenue in New York who was less than thrilled to discover that he had lost the race to develop a portable, hand-held device. Cooper later recalled: “There was silence at the other end of the line. I suspect he was grinding his teeth.”

A decade later, in 1983, the first mobile phones went on sale costing about £2 500 each. By 1990, there were a million users.

The first cellphone used by the character James Bond was an Ericsson JB988 in Tomorrow Never Dies in 1997. The handset contained various fictional extras such as a fingerprint scanner, lock pick, stun gun and remote control for 007’s BMW.

The world’s first SMS was sent via Vodafone UK’s GSM network on 3 December 1992, by Neil Papworth, which read: Merry Christmas.

In 2011, at least 23 per cent of auto collisions involved cellphones – that’s 1.3 million crashes.

Thirteen per cent of 18- to 20-year-olds involved in car wrecks admitted to texting or talking on their mobile devices at the time of the accident.

Your modern cellphone has more computing power than the NASA Apollo system, which took man to the moon in 1969.

Africa has more mobile phone users than the US and the EU, with over 650 million subscribers. Cellphones are changing the way banking is done, healthcare is delivered and power is provided on the continent.

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Cellular phone insurance Administration Plus (Pty) Ltd Physical address: Metropolitan Centre, 14th Floor, 7 Walter Sisulu Ave, Cape Town, 8001 Postal address: PO Box 6604, Roggebaai, Cape Town, 8012 Telephone: +27 (0)86 111 8765 Fax: +27 (0)86 505 6721 Web address: www.adminplus.co.za E-mail: helpdesk@adminplus.co.za FSP licence number: 36841

Registration numbers: 2004/023852/07 VAT number: 4190243008 Product information: Administration Plus (Pty) Ltd is a privately owned UMA providing insurance and administration services on electronic mobile devices (primarily in cellular handset and laptop insurance).

Commercial insurance Ad Ultimum Outsourcing (Pty) Ltd Postal address (head office): PO Box 9857, Centurion, 0046 Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 Web address: www.adultimum.co.za E-mail: info@auo.co.za FSP licence number: 8273 Product information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups. General commercial insurance for small, medium and large business ventures across the board. Competitive rates with individual underwriting which makes our commercial product unique Extended public liability (CUP) cover. Extensions: Motor hire, top-up, excess waiver for private-type vehicles under the motor section of the policy. Add-ons: Roadside assistance for mechanical and electrical breakdowns or when a collision has occurred for private-type vehicles. Personal short-term insurance: All personal effects, tailor-made to individual needs. All risk cover for the contents of the house. Full subsidence and landslip cover for house

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contents and house owners. Personal accident cover for clients over 70 years, and extended personal accident. Trauma cover after armed robbery. Breast and HPV cancers. Through Ad Ultimum Outsourcing (Pty) Ltd, short-term insurance brokers can become the irreplaceable and most important link between the policyholder and the insurance underwriter. Ad Ultimum can provide a comprehensive all-round service to brokers and underwriters to ensure they have a competitive advantage. It is a short-term insurance outsource company managing the underwriting, administration and claims of personal lines, commercial insurance and group schemes on an efficient insurance system. Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures, as well as collection of premiums directly from policyholders. We provide an Internetbased insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks.

C African Rand Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 731386, Fairland, 2030 Phone: +27 (0)11 678 1354 Fax: +27 (0)86 685 9120 Web address: www.africanrand.com E-mail: dion@africanrand.co.za FSP licence number: 5742 Insurer/risk carrier/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Comminsure is a flexible commercial insurance product that can be tailored to suit the requirements of most businesses. The unique approach that African Randâ&#x20AC;&#x2122;s experienced underwriting team has in

interacting with brokers empowers the broker to get the competitive edge in an everchanging market. African Rand is underwritten by Genric Insurance Company Limited, the thought leader in wealth protection. The dynamic approach that African Rand has in forming partnerships with approved brokers ensures that they work together to get that elusive account. African Rand will always go the extra mile, even travelling hundreds of kilometres to assist brokers in closing a desired policy. With claims payments taking place on a daily basis, the claims service is guaranteed.

Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle Cover â&#x20AC;&#x201C; We have a market first in this product where we are breaking boundaries to extend existing clients cover to ensure that they are not left with a shortfall when experiencing a claim.

Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries). Hospitality lines: We are able to write hospitality business, lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire.

Commercial insurance (cont.) Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

Financed Asset Underwriters Physical address (head office): 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)11 760 6800 Fax: +27 (0)11 763 7676 Web address: www.fau.co.za E-mail: sales@fau.co.za

FSP licence number: 16876 Insurer/risk carrier/principal: Hollard Insurance Company/ Renasa Insurance Company Product information: Financed Asset Underwriters issues multi-insurer policies and specialise in hauliers combination policies, covering office, truck and GIT insurance. The also provide cover for small to medium businesses. Cover is tailor-made to suit each client’s and brokers needs and requirements. Products include: • Multimark 3 • Commercial trucks including HCV • Heavy commercial trailers • Goods in transit • Light delivery vehicles • Private cars • Loss of use • Excess reducer • Theft cover for tyres, battery, tools and accessories • Credit shortfall/top up/inception value • Owner driver schemes • Plant.

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What does it mean to be ACE insured? My broker and I have access to local experts who truly understand my risks and go the extra mile. We work together with people at ACE on everything from loss prevention advice to paying my claims. I can get on with growing my business, knowing I’m protected by one of the largest and strongest insurers in the world. “**ACE Travel Insurance is issued and underwritten by ACE Insurance Limited (1973/008933/06), a registered Financial Services Provider (FSB 00060/01 – FAIS 27176). Inall instances the terms and conditions of the policy wording apply. ACE only provide general guidance (advice), and do not consider your objectives, financial situation or needs.”

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Commercial insurance (cont.) Ibiliti Underwriting Managers (Pty) Ltd Physical address (head office): Phase1, Office 4B, Broadacres Shopping Centre, Broadacres, Fourways, 2191 Phone (head office): +27 (0)010 590 5511 Web address: www.ibiliti.co.za E-mail: yolande@ibiliti.co.za FSP licence number: 43404 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS (FSP: 10313) Product information: SME Policy – We know that every business is different. Our policy wordings are easy to understand, adaptable

and designed to cover the small to medium South African business owner against the risk they have to face. We provide our brokers with the best products, flexible solutions, excellent service, seamless software, real-time portfolio management tools as well as training and support. The plain English policy incorporates their business and personal insurance needs into one simplistic policy. Whatever your client’s circumstances, we will be able to offer a flexible solution that is real value for money. We are focused on providing solutions specifically aimed at retailers, administrators, restaurants, accommodation and mobile businesses.

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: We are a onestop shop for comprehensive business insurance for all sizes and requirements. IUM’s business insurance policy is an enhanced, flexible policy catering for the specific needs of clients, to ensure they are properly and appropriately protected and looked after. Cover is provided for general commercial insurance whether it be offices blocks, religious organisations, professional occupations, business services, the building industry, wholesalers and retailers, storage risks/facilities and manufacturing (industrial; factories; plant and machinery; motor industry). Immediate, interactive assistance from the

time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Property damage • Liability • Motor • Miscellaneous accident • Engineering.

C Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, 2007 Phone: +27 (011 601 8800 Fax: +27 (0)11 601 0530 Web address: www.insurancezone.co.za E-mail: info@insurancezone.co.za FSP licence number: 42879 Insurer/risk carrier/principal: Hollard Insurance Company

Product information: Commercial insurance aimed at sole proprietors, SMEs and larger corporate clients is high on advice and expertise. Fortunately Insurance Zone has both these qualities and more to assist a broker every step of the process. Find out what our brokers already know and call us for a quote â&#x20AC;&#x201C; dazzle and delight is what we do.

Paradigm Risk Consultants (Pty) Ltd Physical address: 73 5th Avenue, Edenvale, 1609 Phone: +27 (0)11 524 0884 Fax: +27 (0)11 524 0702 Web address: www.paradigmrisk.co.za E-mail: niall@paradigmrisk.co.za or ross@paradigmrisk.co.za FSP licence number: 4518 Insurer/risk carrier/principal: Compass Insurance Company Limited Product information: Paradigm Risk Consultants is an underwriting agency specialising in personal and commercial insurance as well as lifestyle benefits. Personal insurance includes cover for movable and immovable property, motor, motor cycles, caravans, trailers, watercraft, liability, personal accident and all risks cover for domestic risks.

Lifestyle benefits extend to car hire, home assist and roadside assistance. Commercial insurance for small, medium and large business ventures including fire, buildings, office contents, business interruption, theft, money, goods in transit, all risks, accidental damage, public liability, motor and electronic equipment. Paradigm is dedicated to understanding each unique risk profile and tailoring policies to individual needs while providing quality service. Paradigm underwrite on behalf of both Centriq Insurance Company Limited and Compass Insurance Company Limited.

Commercial insurance (cont.)

Quicksure Commercial (Pty) Ltd Physical address (head office): Cnr Prince George Avenue and Kingsway, Brakpan, Gauteng, 1540 Phone: +27 (0)11 748 4700 Fax: +27 (0)11 744 4987 Web address: www.quicksure.co.za E-mail: celestec@quicksure.co.za FSP licence number: 16903 Insurer/risk carrier/principal: New National Assurance Company and Santam

Product information: Quicksure Commercial is a registered financial services provider and one of the leading short-term insurance underwriting managers in South Africa. We write all general lines of short-term insurance, with a preference to commercial business and motor cycles.

Our product range is highly innovative and flexible with a well-balanced rating approach to the risks that we would like to acquire.

CMY

Riscor Underwriting Managers Physical address (head office): Building B, Level 1, Route 21 Corporate Park, Nelmapius Street, Centurion, 0153 Phone: +27 (0)12 940 5226 Fax: +27 (0)12 679 0427 Web address: www.riscor.co.za E-mail: admin@riscor.co.za FSP licence number: 43818 Product information: Riscor is a unique company that offers its extensive broker network to a spectrum of products in the personal, commercial and agri lines of business, thereby providing a complete and effective administrative and management solution to brokers.

We provide all types of short-term insurance and hold mandates with some of the largest insurance companies in the country. Riscor performs insurance administration of both personal lines and commercial portfolios on behalf of insurance companies, and operates as an extension of the insurerâ&#x20AC;&#x2122;s operation. Insurers effectively outsource the total broker support function to Riscor, with Riscor having the mandate to act on the insurerâ&#x20AC;&#x2122;s behalf. Riscor offers a complete one-stop service, comprising underwriting management, policy administration, rate setting, claims management and statistical analysis of insurance portfolios. We are part of a dynamic organisation and are driven by a passion for delivering value, service and integrity to our brokers.

2457 Constantia_Uma Directory advert_fa_A5.pdf

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Hands-on commitment to every detail.

CMY

Short Term Insurance activities Short term insurance activities include, but are not limited to, the following classes: Personal and Commercial Insurance Heavy Commercial Vehicles, Motorcycles & Classic Cars Guarantees: Performance and Court Bonds Legal Expenses Insurance Capitation Arrangements Motor Traders Health & Accident Insurance Cellular Phone Insurance Value Added Products www.constantiagroup.co.za 011 686 4200 info@constantiagroup.co.za

Credit Rating

Global Credit Rating AConstantia Insurance Company Limited is an Authorised Financial Services Provider. FSP 31111

Commercial insurance (cont.) Tradesure Commercial Specialists and Tradesure Truck and Marine Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co .za E-mail: david@tradesure.co.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited. Product information: Tradesure insures your client, period.

Envisage walking into your client’s offices. You park your car between the client’s 30 ton truck and his delivery van (all insured by Tradesure). You walk into his building (insured by Tradesure), and his offices (all contents, including electronic equipment insured by Tradesure). Continue walking to his warehouse insured by Tradesure and find the stock and manufacturing machines that produce his income (all insured by Tradesure). We will do it all.

Vulindlela Underwriting Managers (Pty) Ltd Physical address (head office): 15 Old Main Road, Gillitts, 3610 Phone: +27 (0)87 135 1000 Fax: +27 (0)86 693 0192 Web address: www.vum.co.za E-mail: info@vum.co.za FSP licence number: 33799 Insurer/risk carrier/principal: Santam (FSP: 3416)

Product information: VUM is proud to introduce AssetSure, a commercial insurance product for emerging South African SMMEs. AssetSure offers 10 simplified cover sections with plain language policy wording to cover all the insurance needs of South Africa’s vibrant emerging market. The Zuzimali Cashback benefit is paid out at policy section level and pays back 10 per cent of premiums paid by the client after 36 months of no claims.

Commercial and industrial risks HIC Underwriting Managers (Pty) Ltd Physical address (head office): Eastwood Office Park, 11b Riley Road, Bedfordview, 2007 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Web address: www.hicsa.co.za E-mail: info@hicsa.co.za FSP licence number: 5072 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited Product information: Manufacturing – focus on risk management to help identify risks, minimise impact, maximise risk improvement and offer solutions. Retail – comprehensive product to protect companies’ assets with fast claims turnaround times ensuring minimum disruptions.

Commercial buildings – accidental damage, liability and trustees’ liability among other automatic extensions crucial for the commercial property owner. Motor fleets – design a programme for your client with options of aggregates, stop losses and deposit premiums. Directors’ and officers’ – designed for private companies with a turnover of under R50 000 000 covering D&O management liability exposures. Conventional insurance product – brokers are able to offer entrepreneurial businesses and institutions tailor-made packages to create individual value and offer professional service. Affinity – for professionals, doctors, dentists, vets and optometrists and is rated on turnover.

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: We are a one-stop shop for comprehensive business insurance for all sizes and requirements. IUM’s business insurance policy is an enhanced, flexible policy catering for the specific needs of clients, to ensure they are properly and appropriately protected and looked after. Cover is provided for general commercial insurance whether it be offices blocks, religious organisations, professional occupations, business services,

the building industry, wholesalers and retailers, storage risks/facilities and manufacturing (industrial; factories; plant and machinery; motor industry). Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Property • Liability • Motor • Miscellaneous accident • Engineering.

Commercial and industrial risks (cont.) Strategic Insurance Systems Physical address (head office): Block B, Queens Office Park, 30 Alexandra Road, Doringkloof, Centurion, 0157 Phone: +27 (0)12 667 2441 Fax: +27 (0)12 667 2442 Web address: www.stratsys.co.za E-mail: gary@stratsys.co.za FSP licence number: 1007 Insurer/risk carrier/principal: Mutual & Federal Risk Finance Product information: Secure Commercial. Isnâ&#x20AC;&#x2122;t it time you added a little SIS to your brokerage? As an insurance broker, you strive to give your clients the best service, making every effort to ensure they receive the most extensive coverage

possible for the price paid. To do this effectively, you need to understand all the subjective factors influencing their risk profile. This process requires a combination of experience, skill, knowledge and good old-fashioned gut instinct. With Strategic Insurance Systems, powered by Mutual & Federal Risk Finance, we know that no one understands your clientâ&#x20AC;&#x2122;s needs better than you do and we have designed our solutions with this in mind. You too, can enjoy the superior flexibility our solution provides and take optimum control of your insurance brokerage like never before. Our integrated system, underpinned by unsurpassed integrity allows you instant decision making authority, quicker turnaround times, speedier settlement of claims, and ultimate control of your client service. Transition Risk Solutions (Pty) Ltd Physical address (head office): 11 Boundary Road, Isle of Houghton, 1st Floor, Harrow Court 2, Parktown, 0084 Phone: +27 (0)11 484 6802 Fax: +27 (0)11 484 9385 Web address: winston@transitionrisk.co.za E-mail: winston@transitionrisk.co.za; tony@transitionrisk.co.za FSP licence number: 40534 Insurer/risk carrier/principal: New National Assurance Ltd Product information: Transition Risk Solutions is registered financial service provider writing business on behalf of New National Assurance Company Ltd (the oldest BEE insurance company in South Africa). Corporate business: We write assets all risks policies including the miscellaneous classes that accompany the assets all risks. Commercial business: We write all general lines of short-term insurance. With preference to medium to large risks which falls outside the ambit of corporate business (risks with premiums below R1 million).

Construction and engineering insurance AC and E Engineering Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 752189, Gardenview, 2047 Phone: +27 (0)11 615 7529/ +27 (0)84 608 2134 Fax: +27 (0)11 615 9360 Web address: www.engineeringace.co.za E-mail: anne-marie@engineeringace.co.za FSP licence number: 43281 Product information: Contract Works (CAR) – Comprehensive all risks cover intended for the erection of anything from private houses, cluster homes, small blocks of flats up to large projects, such as shopping centres, sugar mills, power stations, refineries, as well as infrastructure such as bridges, roads, dams, water reticulation and pipelines. This cover will also extend to projects such as the installation of air conditioning and painting contractors. Because of the different nature of the various policies available, each policy is subject to exclusions and conditions that are particular to the covers afforded by the various policies. The policy covers the construction site against the following, subject to the standard terms and conditions as outlined in the policy wording: storm, fire, water, subsidence, collapse, landslip, earthquake, cyclone, theft, transit, malicious damage, damage to underground

services, third party damages. Plant All Risks (PAR) – Loss of or damage to construction plant and equipment. Plant all risks will cover items such as earthmoving equipment, cranes, pumps, air compressors, etc. In addition, standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. AC and E also offers third party liability for plant on site. This policy will cover risks such as fortuitous working accidents, theft, fire, faulty operation, overturning, as well as natural perils such as earthquake, storm, flood, collision, etc. Machinery Breakdown (MB) – Sudden accidental and unforeseen physical loss of or damage to machinery and plant arising from mechanical/electrical breakdown. The cover will include repairs to the machine and, in case of a total loss, the insured will be indemnified. Other products include loss of profits (LOP), deterioration of stock (DOS), dismantling, transit and erection, computer and electronic equipment (EEI) and construction guarantees/bonds. AC and E Engineering Underwriting Managers is the winner of the prestigious Diamond Arrow Award for the Best Engineering Underwriting Manager in 2012.

Construction and engineering insurance (cont.) C&G Underwriting Managers Pty (Ltd) Postal address (head office): 1st Floor, Stonefountain Terrace, 95 Klipfontein Road, Rondebosch, 7700 Phone (head office): +27 (0)87 985 2144 Fax (head office): +27 (0)21 685 5270 Web address: www.engineeringunderwriters.co.za E-mail: miker@coim.co.za FSP licence number: 30114 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP: 75) Product information: We offer the construction industry customised, comprehensive products and solutions and

we have a proven track record for innovation. We are continuously researching the market to produce superior products that are tailormade for the construction industry’s needs. • Contractors’ all risks • Erection all risks • Project delay/advanced loss of profits • Completed civil engineering risks • Removal of support risks • Plant all risks • Machinery breakdown/loss of profits • Deterioration of stock • Works damage • Electronic equipment • Performance guarantees • Retention guarantees • Advanced payment guarantees • Tender guarantees.

Firedart and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 Web address: www.fdcg.co.za E-mail: info@fdcg.co.za FSP licence number: 40536 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Firedart & Construction Guarantee (Pty) Ltd provides a variety of products that cater for the engineering/ construction sector including contracts all works,

erection all risks, plant all risks, machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart & Construction Guarantee (PTY) Ltd also specialises in construction guarantees/sureties and can structure a tailor-made solution to cater to unique requirements. Products: Engineering: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment. Guarantees/sureties: Bid/tender bonds or letters of intent, advance payment guarantees, performance guarantees, retention guarantees.

C Mirabilis Engineering Underwriting Managers (Pty) Ltd Postal address: PO Box 2081, Saxonwold, 2132 (offices in Gauteng; Western Cape and KwaZulu-Natal) Phone: 086 110 0100 – Local Phone +27 (0)11 880 8200 – International Fax: +27 (0)11 880 6857 Web address: www.mirabilisafrica.com E-mail: info@mirabilisafrica.com FSP licence number: 28190 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include: • Contractors all risk (CAR) • Engineering project insurance cover (EPIC) • Advance loss of profits (ALOP)

• Contractors plant and equipment (CPE) • Plant all risks (PAR) • Machinery breakdown (MB) • Machinery loss of profits (MLOP) • Deterioration of stock (DOS) • Electronic equipment insurance (EEI) • Civil engineering completed risks (CECR). In addition to the above standard products, we also provide seamless tailor-made ‘cradle to operational’ covers, designed specifically for financed engineering projects where as single insurer (Santam) covers all project risks from marine to operational including marine, marine ALOP, CAR/EAR, ALOP, contractors third party, project professional indemnity, operational all risks and operational BI.

Refine Underwriting Managers (Pty) Ltd Postal address: PostNet Suite 221, Private Bag X75, Bryanston, 2021 Phone (head office): + 27 (0)11 519 5355/ +27 (0)861 Refine (733463) Fax (head office): (0)86 610 4889 Web address: www.refine-um.co.za E-mail: jean@refine-um.co.za FSP licence number: 20395 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP: 17703)

Product information: We offer the full suite of construction guarantee solutions (performance, retention, advance payment and bid/tender bonds). Refine is a specialist and experienced underwriter in offering guarantee solutions, underwriting on behalf of Zurich Insurance Company South Africa Limited. Zurich’s participation in this class of risk is of major value to the industry, due to their global brand and credit rating strength.

Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Phone (head office): +27 (0)11 463 1101 Fax (head office): (0)86 636 5825 Web address: www.rtspi.co.za E-mail: abrown@rtspi.co.za FSP licence number: 41202

Insurer/risk carrier/principal: RMB Structured Insurance (FSP: 1027) Product information: Contract works • Erection all risks • Plant all risks • Machinery breakdown • Electronic equipment • Liability • Removal of support • Marine and delay in start-up.

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Construction and retention guarantees Eton Road Underwriting Managers (Pty) Ltd (ERUM) Physical address (head office): 15 Eton Road, Parktown, 2193 Phone: +27 (0)861 172 986 Fax: (0)866 638 652 Web address: www.erum.co.za E-mail: mike@erum.co.za FSP licence number: 32460

Insurer/risk carrier/principal: saXum Insurance Limited Product information: ERUM writes guarantees and bonds including, construction bonds, bid bonds and custom bonds.

Scintilla (Pty) Ltd Postal address (head office): PO Box 2770, Houghton, 2041 Phone: +27 (0)11 646 1715 Fax: +27 (0)11 646 0710 Web address: www.scintilla.co.za E-mail: info@scintilla.co.za FSP number: 9130 Insurer/risk carrier/principal: Hollard Insurance Company Product information: Contractors all risks covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding, fire or explosion, theft) • Also covers third party liability risks • Loss of profits as a consequence of a delay in project start-up can be covered plant all risks • Covers primarily mobile construction plant and machinery against risks of external

damage (e.g. accidents on site) and theft. • Plant can be underwritten on new replacement value and market value. Machinery breakdown • A machinery breakdown insurance policy provides cover for sudden and unforeseen physical damage to machinery at the insured’s premises while in operation, at rest, or during maintenance • Loss of profits as a consequence of machine’s downtime can also be covered. Electronic equipment insurance • Covers electronic/computer equipment against risks of external damage (e.g. dropping, impact), breakdown and theft • Loss of profits as a consequence of machine’s downtime can be covered civil engineering completed risks • Covers civil engineering projects against natural hazards after construction is completed • Loss of profits as a consequence of the damage can be covered.

Consumer protection insurance Dealers Indemnity (Pty) Ltd Postal address (head office): PO Box 417, Morningside, 2057 Phone: +27 (0)11 784 2048 Fax: +27 (0)11 784 3742 E-mail: deni@global.co.za FSP licence number: 7317

Product information: Credit life, goods cover and retrenchment, underwritten separately or in various combinations of the above, either through a broker or directly with the furniture retailer. The company was founded in 1993 and has been specialising in CPI since then.

Consumer protection insurance (cont.) Makgethe Benefits Physical address (head office): 520 Moreleta Street, Silverton Metro, Silverton, 0184 Phone: +27 (0)84 767 7661 Fax: (0)86 613 9043 Web address: www.natsure.co.za E-mail: info@makgethe.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Guardrisk Insurance Company

Product information: This is a provident fund protection policy. This policy provides cover in the event that your provident fund has not received any contributions, in your name, from your employer. Cover is available to all South African citizens who are registered members of a provident fund.

Contract guarantees Firedart and Construction Guarantee Postal address (head office): PO Box 62660, Marshalltown, 2107 Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 Web address: www.fdcg.co.za E-mail: info@fdcg.co.za FSP licence number: 40536 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Firedart & Construction Guarantee (Pty) Ltd provides a variety of products that cater for the engineering/ construction sector including contracts all works, erection all risks, plant all risks, machinery

breakdown, including business interruption and deterioration of stock, works damage. Firedart & Construction Guarantee (PTY) Ltd also specialises in construction guarantees/sureties and can structure a tailor-made solution to cater to unique requirements. Products: Engineering: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment.

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Guarantees/sureties: Bid/tender bonds or letters of intent, advance payment guarantees, performance guarantees, retention guarantees.

Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Phone: +27 (0)11 482 2101/5981/8012 Web address: www.pcbs.co.za E-mail: info@pcbs.co.za FSP licence number: 19867 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP: 75) Product information: • Bid bonds (letter of intent)

• Performance guarantees • Maintenance guarantees • Retention guarantees • Advance payment guarantees • Supplier surety (construction industry only) • Customs and excise (freight forwarding) • Foreign currency guarantees (performance guarantees in respect of contracts on the African continent including Indian Ocean islands) • Contract guarantees • Alternative risk transfer products.

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PCBS are the premier construction guarantee specialist in Africa. We specialise in guarantees and alternative risk transfer. Our business has grown to become one of the largest guarantee specialists in Africa through building meaningful partnerships with our clients, and by delivering expedient results. We are underwritten by Guardrisk. An Authorised Financial Services Provider - FSP19867

Contract guarantees (cont.) Refine Underwriting Managers (Pty) Ltd Postal address: PostNet Suite 221, Private Bag X75, Bryanston, 2021 Phone (head office): + 27 (0)11 519 5355/ +27 (0)861 Refine (733463) Fax (head office): (0)86 610 4889 Web address: www.refine-um.co.za E-mail: jean@refine-um.co.za FSP licence number: 20395 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP: 17703)

Corporate property and engineering insurance Emerald Risk Transfer (Pty) Ltd Physical address (head office): Emerald House, 8 Waterford Office Park, Waterford Drive, Fourways, 2055 Phone: +27 (0)11 658 8200 Fax: +27 (0)11 658 8230 Web address: www.emeraldsa.co.za E-mail: info@emeraldsa.co.za FSP licence number: 13893 Insurer/risk carrier/principal: Santam Ltd (FSP: 32460) Emerald is a leading provider of corporate property and associated engineering insurance products on the African continent and is a fully intermediated company, underwriting exclusively for Santam Ltd. With a Standard and Poor’s rating of A- and assets in excess of R20 billion, Santam is South Africa’s leading short-term insurer.

Emerald‘s experienced underwriting team has extensive technical experience in the corporate property insurance sector in South Africa. Backed by skilled and experienced complex claims technicians and professional engineers, our underwriters are able to find solutions for even the most complex risks. Correct understanding and measurement of risk, appropriate reinsurance placement and accounting and effective claims management are all key to Emerald’s underwriting approach. Specialising in large and complex risks, Emerald’s bespoke wordings provide a wide and complete range of covers. Surface and underground mining, rolling stock, power generation, parastatals, metro councils, heavy industry, retail and property groups are just some of the business types that Emerald provides solutions for.

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Emerald Risk Transfer is currently the largest Corporate Property and affiliated Engineering Underwriter in South Africa, and underwrites business throughout the African Continent.

The solution orientated approach of the Emerald team to create sustainable, quality products is part of their culture. This flexible approach, coupled with the support of their excellent Reinsurer panel, allows Emerald to be truly innovative. The aim of the company is to offer quality capacity and be the best lead market by utilising their niche expertise and skill. Emerald writes business into the insurance licence of Santam Limited. Santam has a Standard & Poorâ&#x20AC;&#x2122;s rating of A- with a stable outlook. For more information on our products and how Emerald can assist your Corporate clients, visit our website or call us. T +27 11 658 8200 W www.emeraldsa.co.za E info@emeraldsa.co.za FSB FSP No. 13893 An Authorised Financial Services Provider Find us on Facebook www.facebook. com/emeraldrisktransfer Or follow us on Twitter www.twitter. com/emeraldrisk

Corporate property and engineering insurance (cont.) Inniu Underwriting Services (Pty) Ltd Physical address: Suite 5, 5 Fricker Road, Illovo, 2196 Phone: +27 (0)11 476 4420 Fax: (0)86 557 5604 Web address: www.inniu.co.za E-mail: info@inniu.co.za FSP licence number: 34049 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited

Product information: Property insurance specialists in large corporate, mining and industrial risks.

Court bonds Physical address (head office): 3rd Floor, Hout Street Studios, 37 Hout Street, 8001 Phone: +27 (0)21 424 1493 Fax: (0)86 199 9634 Web address: www.buckinghamrisk.co.za E-mail: brett@buckinghamrisk.co.za

FSP licence number: 35914 Insurer/risk carrier/principal: Infiniti Insurance Ltd (FSP: 35914) Product information: Buckingham Risk Solutions provides liquidation and executor bonds to professional practitioners via our broker network.

Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Phone (head office): +27 (0)11 784 5373 Fax (head office): (0)86 611 3226 Web address: www.shackletonrisk.co.za E-mail: michael@srisk.co.za FSP licence number: 33621 Insurer/risk carrier/principal: Safire (FSP: 2092) Product information: Shackleton Risk Management (formerly Court Bond Services) has been placing liquidation bonds of security

in KwaZulu-Natal since 1999. Having a number of former liquidation specialists in our management team, we know and understand the needs of liquidators and the nature of the industry. Our underwriters are on the masterâ&#x20AC;&#x2122;s national panel of recognised insurers and issue guarantees totalling billions of Rand annually to leading liquidators around South Africa. We have facilities to arrange capacity for even the largest estates in the country. In underwriting liquidation bonds, Safire is supported by the global reinsurance market with Munich Re as the lead underwriter.

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Bid / Tender Bonds Performance Bonds Retention Bonds Advance Payment Bonds Materials off site

With a capacity in excess of R300 million! Level 3 BBBEE rating and ‘Value Adding Supplier’; AA (Double A) Credit Rating; ISO 9001/2008 accredited across the entire business....... Call CREDIT GUARANTEE now!

Credit insurance Credit Guarantee Insurance Corporation of Africa Limited Physical address (head office): 31 Dover Street, Randburg, 2125 Phone: +27 (0)11 889 7000 Web address: www.creditguarantee.co.za E-mail: #info@cgic.co.za FSP licence number: 17691 Product information: Credit insurance is better described as debtor’s insurance. It is an insurance policy, covering clients against one or more of their customers failing to pay for goods sold/delivered/or services rendered, due to their inability, unwillingness, filing for business rescue or proceeding into liquidation. The policy requires clients to apply

for insurance cover on each of their insured customers, negating the need to obtain their own credit bureau reports and in the majority of cases, some other credit related-information. We also provide surety bonds; performance bonds; advance payment bonds; materials offsite bonds; retention bonds; liquidator bonds and customs bonds through a specialised business unit. Since the advent of business rescue, a specialised salvage and recovery unit was established to deal with the intricate restructuring that is needed, to ensure that both our clients’ interests as well as that of Credit Guarantee are preserved.

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PinnAfrica Insurance Underwriting Managers Physical address (head office): 48 Grosvenor Road, Turnberry Office Park, Curzon Building Bryanston, 2194 Phone: +27 (0)11 2441300 Fax: +27 (0)11 2441301 Web address: www.pinnafrica.co.za E-mail: ndupiesanie@pinnafrica.co.za FSP licence number: 39123

Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: Credit life for various industry, motor and rental, shortfall insurance, top-up insurance, return to value, tyre run flat and normal instalment protector. Deposit protector, excess benefit, exterior motor maintenance (scratch and dent).

Credit guarantee GS• Guarantee Specialists Bid / Tender Bonds • Performance Bonds • Retention Bonds Physical address (head Bonds office): • Advance Payment 1st floor, Chardonnay House, • Materials off site

Product information: SA Guarantee Specialist (Pty) Ltd is a specialist guarantee underwriter and specifically targets the needs in the Vineyard Office Estate, With capacity in excess 3 BBBEE rating and property market. 99 Jip De aJager, Bellville, 7530 of R300 million! Level ‘Value Adding Supplier’; AA (Double A) Credit Rating; ISO 9001/2008 We designed four distinctive products for the Phone: +27 (0)86 122 8889 accredited across the entire business....... property market: Web address: www.saguarantee.co.za a) Breakage Guarantee E-mail: Calldanie@saguarantee.net CREDIT GUARANTEE now! b) Residential Rental Deposit Guarantee FSP licence number: 4578 c) Commercial Rental Deposit Guarantee Insurer/risk carrier/principal: d) Swallow Guarantee. Guardrisk Insurance Copmany

Ten facts about engineering 1

The word ‘engineer’ comes from the Latin word meaning ‘cleverness’.

The tallest building in the world is the Burj Khalifa in Dubai, UAE. It stands 828 metres tall.

It is estimated that more than 25 000 workers lost their lives during the construction of the Panama Canal, which links the Atlantic and Pacific Oceans.

The world’s longest suspension bridge is the Akashi Kaikyo Bridge in Japan, which spans 1 991 metres and was opened in 1998.

Used for water distribution, the Delaware Aqueduct in New York, USA is the longest tunnel in the world, stretching 137 kilometres.

The London Eye is the largest Ferris wheel in Europe and stands 135 metres tall.

The 4 500-ton roof of the Cape Town Stadium built for the 2010 World Cup is a unique design, supported by an inner tension ring and an outer compression ring. It was the first time this technology was used in Africa.

The total income of the South African construction industry in 2011 was R268 billion.

The number of people employed within the South African construction industry, as of June 2011, was 479 700.

The New York subway system operates nearly 6 500 cars on more than 1 126 kilometres of track.

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Directors’ and officers’ liability insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal

includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

the personal liability needs of directors. This policy affords directors the flexibility to choose between essential peace of mind cover or enhanced cover through the optional extensions. SHA is the market leader when it comes to directors’ and officers’ liability with over 27 years’ experience in this field. The nature of this business is long-tail therefore understanding market and claim trends when pricing risks is of paramount importance. We provide tailor-made solutions for each client’s needs and have the only local wording available along with a dedicated team of underwriters and claims specialists. Limit of indemnity is R500 million.

E154652 AI

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Our new CorporateGuard D&O is the strongest D&O offering weâ&#x20AC;&#x2122;ve ever produced. Itâ&#x20AC;&#x2122;s built on decades of underwriting and claims experience and listening to clients. We know what they face today, and may face tomorrow. For directors and officers facing unprecedented regulatory and political scrutiny, mounting shareholder activism, a recessionary environment, intense competition for business and talent, and an irresistible rise in claims, we say, bring on tomorrow. Visit www.AIG.com

Registered Address: 10 Queens Road, Parktown, Johannesburg, 2193. T: +27 11 551 8000 AIG South Africa Limited is a Licensed Financial Services Provider FSP No. 15805 Reg. No. 1962/003192/06

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Employment practices liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

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p tholeSure

Rim and tyre insurance

PoltholeSure is a unique product that offers comprehensive cover on damage caused by potholes. The product is made up of a VAP which can slot in to a policy or be sold as a standalone. The cover is R5000 per rim and tyre for two rims and tyres. There is also an option to increase cover. This is available on request. Claims are handled by Policy Provider and assessments and replacements done by Tiger Wheel & Tyre.

A simple, easy solution for protection against pothole damage

insureXS

Insure or reduce your excess

InsureXS is a unique product that can cover excess. The product is made up of a VAP which can slot in to a policy or be sold as a standalone. It can cover up to 100% of, or absorb some of the excess. We can structure a product specifically for your needs. Some of the excesses we provide cover for are: Motor; Non Motor; Public Indemnity and Commercial.

Protection against high excess

Stay

Car hire insurance to keep you mobile

StayMobile is an add-on or standalone product that gives the client the assurance of being mobile in the event his vehicle is stolen, has an accident, third party insurer cover has been utilised or in the case where their car has to be serviced. The producted can be added on to a domestic lines policy or commercial. Specifically packaged products or options can also be arranged.

When being without a car is not an option

LCVSure

Bakkie insurance for the SME

The product includes free GIT and tools cover for each bakkie covered on the policy. We specialise in courier companies, small delivery contractors, tow trucks, building contractors and general purpose commercial bakkies up to 5 tons. The policy can include office contents, business allrisks, electronic equipment, additional GIT and tools. Bakkie hire is also available on the policy, as is excess buybacks. Roadside assistance is included.

For small to medium sized enterprises

CMY

Insurance for cyclists by cyclists Whether you are racing, training or travelling, equipment is covered no matter where you are, with the added benefit of roadside assistance, medical, panic and security assistance. All risk for bicycles, equipment and accessories, including cover for theft, accident, bike jacking and damage while training or racing. Cover can be provided for national, provincial or any sanctioned event including club rides. Includes public liability and personal accident cover. Damage while travelling internationally is also covered.

At last a product for all cyclists

RetrenchSure

For the essentials

RetrenchSure offers three products. 1. A standalone policy where a client can insure a monetary value that will be paid out in the event that the insured is retrenched. 2. An add-on product that can be added to a domestic line policy or similar, that will insure a premium or payment in the event that the insured is retrenched. 3. A customised product that can be tailored for instalment sale agreements, premium payments or monthly credit agreements.

Peace of mind in uncertain times

Policy Provider. Suite 103, Il Palazzo, Cnr Zenith & Solstice Roads,Umhlanga Ridge.

Policy Provider underwrites and administers PotholeSure, Staymobile, LCVSure, Icycle, InsureXS and RetrenchSure. Policy Provider is an authorised financial service provider: Reg. No. 2004/020247/07. FSP No 43569. PotholeSure, StayMobile LCVSure and RetrenchSure underwritten by Saxum Insurance Limited, an authorised financial service provider FSP No 32460. InsureXS and iCycle underwritten by Genric, an authorised financial service provider FSP No 43638.

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Engineering insurance Emerald Risk Transfer (Pty) Ltd Physical address (head office): Emerald House, 8 Waterford Office Park, Waterford Drive, Fourways, 2055 Phone: +27 (0)11 658 8200 Fax: +27 (0)11 658 8230 Web address: www.emeraldsa.co.za E-mail: info@emeraldsa.co.za FSP licence number: 13893 Insurer/risk carrier/principal: Santam Ltd (FSP: 32460) Emerald is a leading provider of corporate property and associated engineering insurance products on the African continent and is a fully intermediated company, underwriting exclusively for Santam Ltd. With a Standard and Poor’s rating of A- and assets in excess of R20 billion, Santam is South Africa’s leading short-term insurer.

Engineering risks and engineering insurance AC and E Engineering Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 752189, Gardenview, 2047 Phone: +27 (0)11 615 7529/ +27 (0)84 608 2134 Fax: +27 (0)11 615 9360 Web address: www.engineeringace.co.za E-mail: anne-marie@engineeringace.co.za FSP licence number: 43281

Product information: Contract Works (CAR) – Comprehensive all risks cover intended for the erection of anything from private houses, cluster homes, small blocks of flats up to large projects, such as shopping centres, sugar mills, power stations, refineries, as well as infrastructure such as bridges, roads, dams, water reticulation and pipelines. This

D-E cover will also extend to projects such as the installation of air conditioning and painting contractors. Because of the different nature of the various policies available, each policy is subject to exclusions and conditions that are particular to the covers afforded by the various policies. The policy covers the construction site against the following subject to the standard terms and conditions as outlined in the policy wording: storm, fire, water, subsidence, collapse, landslip, earthquake, cyclone, theft, transit, malicious damage, damage to underground services, third party damages. Plant All Risks (PAR) â&#x20AC;&#x201C; Loss of or damage to construction plant and equipment. Plant all risks will cover items such as earthmoving equipment, cranes, pumps, air compressors, etc. In addition, standard cover is available for hiring costs, legal liability arising out of the hire and continuing hire charges. AC and E

also offers third party liability for plant on site. This policy will cover risks such as fortuitous working accidents, theft, fire, faulty operation, overturning, as well as natural perils such as earthquake, storm, flood, collision, etc. Machinery Breakdown (MB) â&#x20AC;&#x201C; Sudden accidental and unforseen physical loss of or damage to machinery and plant arising from mechanical/electrical breakdown. The cover will include repairs to the machine and in case of a total loss the insured will be indemnified. Other products include loss of profits (LOP), deterioration of stock (DOS), dismantling, transit and erection, computer and electronic equipment (EEI) and construction guarantees/bonds. AC and E Engineering Underwriting Managers is the winner of the prestigious Diamond Arrow Award for the Best Engineering Underwriting Manager in 2012.

Engineering risks and engineering insurance (COnt.)

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Consort Technical Underwriting Managers (Pty) Ltd Postal address (head office): Unit 29, Consort House, Waterford Office Park, Fourways, 2055 (Jhb), Suite 9, 62 Old Main Road, Kloof, 3610 (Dbn), Shop A1, Office 4, Westlake Square, 1 Westlake Drive, Tokai, 7945 (CT) Phone (head office): +27 (0)11 658 1156 (Jhb), +27 (0)31 818 0209 (Dbn), +27 (0)21 030 0054 (CT) Fax (head office): +27 (0)11 658 1175 Web address: www.consort.co.za E-mail: andrew@consort.co.za FSP licence number: 2273 Insurer/risk carrier/principal: Lombard Insurance Company Limited (FSP 1596)

Product information: Founded in 1999, Consort Technical Underwriting Managers (Pty) Ltd has over 100 years of collective engineering insurance experience and has become a well-respected source for brokers seeking sound, quality underwriting for this specialised class of insurance. Contractors all risks insurance covers all types of building and civil construction, and indemnifies the insured against the hazards which may threaten works under construction. In addition, we are able to cater for erection all risks, advance loss of profits following contract works, contractorsâ&#x20AC;&#x2122; third party liability, plant all risks, electronics all risks, machinery breakdown and loss of profits following breakdown.

Eton Road Underwriting Managers (Pty) Ltd (ERUM) Physical address (head office): 15 Eton Road, Parktown, 2193 Phone: +27 (0)861 172 986 Fax: (0)866 638 652 Web address: www.erum.co.za E-mail: mike@erum.co.za

FSP licence number: 32460 Insurer/risk carrier/principal: saXum Insurance Limited Product information: ERUM writes engineering risk including CAR, PAR and liabilities.

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As one of Southern Africa’s leading Construction and Engineering Underwriting Managers, we offer cover for the following classes of insurance: • Contractors All Risks (CAR) • Erection All Risks (EAR) • Plant All Risks (PAR) • Public Liability (PL) Insurance • Electronic Equipment (EEI) • Machinery Breakdown (MB) • Business Interruption (BI) • Deterioration of Stock (DOS)

TRUSTED ENGINEERING INSURANCE

For more information contact us Johannesburg; Unit 29, Consort House, Waterford Office Park, Fourways, 2055, Tel: +27 11 658 1156 Durban; Suite 9, 62 Old Main Road, Kloof, 3610, Tel: +27 31 818 0209 Cape Town; Shop A1, Office 4, Westlake Square, 1 Westlake Drive, Tokai, 7945, Tel: +27 21 030 0054 Consort Technical Underwriting Managers (Pty) Ltd is an Authorised Financial Service Provider. FSP No. 2273

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Engineering risks and engineering insurance (COnt.) FDM Engineering Underwriting (Pty) Ltd Physical address (head office): 38 Turton Road, Boksburg West, 1459 Phone: +27 (0)11 823 6368/90 Fax: +27 (0)11 823 6295 Web address: www.fdmengineering.co.za E-mail: fergus@oaktreesa.co.za FSP licence number: 20816 Insurer/risk carrier/principal: Renasa Insurance Company Limited

Product information: FDM Engineering Underwriters (Pty) Ltd (FDM) is an underwriting management agent that underwrites engineering and contractors all risks on behalf of Renasa Insurance Company Ltd (Renasa). Thus, underwriting on behalf of Renasa, FDM provides large company purchasing power and attendant price competitive business while delivering exceptional service. Being a specialist engineering UMA, FDM offers all traditional engineering and contractors all risks covers including, but not limited to machinery breakdown and resulting loss of profits, dismantling, transit and erection, works damage, computer and electronic equipment, plant all risks and contract works covers.

Firedart and Construction Guarantee Postal address (head office): PO Box 11653, Randhart, 1457 Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 Web address: www.fdcg.co.za E-mail: info@fdcg.co.za FSP licence number: 40536 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Firedart & Construction Guarantee (Pty) Ltd provides a variety of products that cater for the engineering/ construction sector including contracts all works, erection all risks, plant all risks,

machinery breakdown, including business interruption and deterioration of stock, works damage. Firedart & Construction Guarantee (PTY) Ltd also specialises in construction guarantees/sureties and can structure a tailormade solution to cater to unique requirements. Products: Engineering: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment. Guarantees/sureties: Bid/tender bonds or letters of intent, advance payment guarantees, performance guarantees, retention guarantees.

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Specialist in engineering, plant and contractors all risks

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED FDM Engineering Underwriters (Pty) Limited Contact Details: Tel (011) 823 6368/90 • Fax (011) 823 6298 38 Tur ton Road, Boksburg West 1459 • P O Box 10522, Fonteinriet 1464 fergus@oaktreesa.co.za Registration No. 2004/009147/07 • FSP License Number: 20816

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Engineering risks and engineering insurance (COnt.)

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417)

Target market: • Construction plant and equipment • Compaction equipment • Earthmoving equipment • Plant hire companies • Road construction plant.

Product information: We are specialists in the construction industry and offer a comprehensive policy for plant all risks. Our product covers all contractors’ plant in sub-Saharan Africa. Cover is provided for loss of or damage to construction plant and equipment. Cover includes commercial vehicles and special type vehicles (including but not limited to forklifts, tractors, front end loaders, bulldozers, graders, earth moving equipment and similar mobile plant, cranes, pumps, air compressors, crusher plants, dump trucks and the like).

Cover included: • Accidents and collisions • Faulty operation • Earthquake, storm, flood • Fire • Overturning • Recovery costs • Theft and hijack • Third party liability for on-the-road risk • Windscreen.

Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services.

Key benefit: • Combination policy.

Optional cover available: • Continuing hiring charges • Credit shortfall • Expediting costs • Hiring charges • Third party liability for the contract site • Tool of trade.

MIRAB • • • • • • • •

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Mirabil provide

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INSURING ENGINEERING

AFRICA’S LEADING ENGINEERING INSURER

MIRABILIS OFFERS A COMPREHENSIVE RANGE OF ENGINEERING INSURANCE PRODUCTS: • • • • • • • •

Contractors All Risks Contractors Third Party Liability Advance Loss of Proﬁts Engineering Projects Insurance Cover Machinery Breakdown Plant All Risks Electronic Equipment Civil Engineering Completed Risks Cover

In addition to these standard products, we also provide seamless tailor made “Cradle to Operational” covers, designed speciﬁcally for ﬁnanced engineering projects where a single insurer (Santam) covers all project risks from Marine to Operati onal including Marine, Marine ALOP, CAR/EAR, ALOP, Contractors Third Party, Project Professional Indemnity, Operational All Risks and Operational BI.

WE OPERATE THROUGHOUT AFRICA AND CAN TRANSACT IN FOREIGN CURRENCY. Mirabilis is an authorised ﬁnancial services provider (licence number 28190)

Underwritten by Santam. Santam is an authorised ﬁnancial services provider (licence number 3416)

TNB2357_Mirabilis_Advert_October2013_A5_FA2.indd 1

Johannesburg . Durban . Cape Town Tel: 0861 100 100 / +27 11 880 8200 www.mirabilisafrica.com info@mirabilisafrica.com

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Engineering risks and engineering insurance (COnt.) Mirabilis Engineering Underwriting Managers (Pty) Ltd Postal address: PO Box 2081, Saxonwold, 2132 (offices in Gauteng; Western Cape and KwaZulu-Natal) Phone: 086 110 0100 – Local Phone +27 (0)11 880 8200 – International Fax: +27 (0)11 880 6857 Web address: www.mirabilisafrica.com E-mail: info@mirabilisafrica.com FSP licence number: 28190 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include: • Contractors all risk (CAR) • Engineering project insurance cover (EPIC) • Advance loss of profits (ALOP) • Contractors plant and equipment (CPE) • Plant all risks (PAR) • Machinery breakdown (MB) • Machinery loss of profits (MLOP) • Deterioration of stock (DOS)

• Electronic equipment insurance (EEI) • Civil engineering completed risks (CECR). In addition to the above standard products, we also provide seamless tailor-made ‘cradle to operational’ covers, designed specifically for financed engineering projects where as single insurer (Santam) covers all project risks from marine to operational including marine, marine ALOP, CAR/EAR, ALOP, contractors third party, project professional indemnity, operational all risks and operational BI.

D-E Scintilla (Pty) Ltd Postal address (head office): PO Box 2770, Houghton, 2041 Phone: +27 (0)11 646 1715 Fax: +27 (0)11 646 0710 Web address: www.scintilla.co.za E-mail: info@scintilla.co.za FSP number: 9130 Insurer/risk carrier/principal: Hollard Insurance Company Product information: Contractors all risks covers building, civil and mechanical engineering projects against risks during construction or erection (e.g. flooding, fire or explosion, theft) • Also covers third party liability risks •Loss of profits as a consequence of a delay in project start-up can be covered plant all risks • Covers primarily mobile construction plant and machinery against risks of external damage (e.g. accidents on site) and theft. • Plant can be underwritten on new replacement value and market value. Machinery breakdown • A machinery breakdown insurance policy provides cover for sudden and unforeseen physical damage to machinery at the insured’s premises while in operation, at rest, or during maintenance • Loss of profits as a consequence of machine’s downtime can also be covered. Electronic equipment insurance • Covers electronic/computer equipment against risks of external damage (e.g. dropping, impact), breakdown and theft • Loss of profits as a consequence of machine’s downtime can be covered civil engineering completed risks • Covers civil engineering projects against natural hazards after construction is completed • Loss of profits as a consequence of the damage can be covered.

Scintilla provides construction and engineering solutions for all your needs including: Contractors all risk, contractor’s plant and machinery, machinery breakdown and loss of profits, electronic equipment and loss of profits, civil engineering completed risks

We can now offer construction related guarantee cover for: Letters of intent, bid securities, advance payment guarantees, performance guarantees, retention release guarantees and custom and excise bonds With representation in Botswana, Namibia, Zambia, Mozambique, Johannesburg, Durban and Cape Town, we are ideally situated to offer solutions to all your construction needs. Contact us on 011 646 1715 or www.scintilla.co.za

Scintilla is an Authorised Financial Services Provider Underwritten by Hollard an Authorised Financial Services Provider

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Environmental impairment liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal

D-E Envirosure Underwriting Manager (Pty) Ltd Physical address (head office): Suite 401 Forth Floor, Hampden Court, Hampden Road, Morningside, 4001 Phone: +27 (0)31 205 4918 Fax: +27 (0)31 205 92287 Web address: www.envirosure.co.za E-mail: sjanine@envirosure.co.za FSP licence number: 38594 Insurer/risk carrier/principal: Guardrisk Insurance Company

Unique benefit: Envirosure has a 24-hour tollfree call centre called Hazcall24, with qualified operators who will immediately mobilise our preferred response units to the incident scene. A national and cross-border network of cleanup agents has been recognised to deliver a prompt and professional service to your clients.

Product information: Envirosure Underwriting Managers is a niche underwriting agency specialising in insuring transporters against hazardous spills. Our policy covers environmental cleanup, which includes contamination and rehabilitation from a hazardous spill and liability arising from an incident.

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Environmental impairment liability (cont.) Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: Liability insurance for injury and damage following gradual pollutions conditions has traditionally been expensive and difficult to obtain – this is no longer the case as SHA have identified a specific need in the market and are pleased to announce the introduction of our latest product line gradual pollution indemnity. Why place this cover? Existing public liability insurance policies traditionally exclude gradual pollution. Companies’ corporate governance and compliance controls are becoming increasingly important considerations for existing shareholders, potential investors and lenders. What is the cover? The cover is site based, is not limited to ‘sudden, unintended and unexpected events’ and indemnifies a wide range of coverage that was not readily available including: • Claims-made against the insured for injury and damage • Emergency clean-up costs to prevent migration of an accidental pollutant release • Defence costs including the costs of defending an interdict • Underwriters as part of the claims process will liaise with regulators • Restoration costs (Rip and Tear).

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D-E Synergy Targeted Risk Solutions (Pty) Ltd Postal Address (head office): PO Box 1623, Mondeor, 2110 Phone: +27 (0)11 432 3538 Fax: +27 (0)11 432 3442 Contact person: Peter Hodgson Web address: www.starsol.co.za E-mail: peter@starsol.co.za FSP licence number: 36839 Insurer/risk carrier/principal: Compass Insurance Company Ltd (FSP: 12148) Product information: The focus of Synergy’s attention is on the liabilities, responsibilities and clean-up which attach to an individual and/or company once an incident has polluted the environment. A vehicle spilling dangerous goods or an explosion of a tank containing hazardous chemicals can be classified as an environmental incident. The

relevant issues to be considered when dealing with such pollution incidents are defined by the National Environmental Management Act, the National Road Traffic Act and others. Our insurance policy covers both first party cleanup and rehabilitation costs together with any third party costs and expenses. Our mission: Synergy is dedicated to providing insurance products that provide quality protection, value pricing and financial security. We aim to establish successful partnerships with our clients, our brokers, our partner companies and our staff; that respect the interests and goals of each party; and to serve others as we would like to be treated. Our vision: To become a company most admired for its people, partnerships and performance.

Insuring our environment for tomorrow COMPANY SERVICES Synergy Targeted Risk Solutions (Pty) Ltd offers the following services: • Pollution Liability Clean Up Costs • Environmental Liability Remediation Cover • Pollution Liability Third Party Injury/Damage •

Excess of Loss Public Liability Insurance

Tel: +27 (11) 432 3538 • Fax: +27 (11) 432 3442 E-Mail: info@starsol.co.za PO Box 1623, Mondeor, 2110

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Suite LG4, Vista Place, Cnr Vorster and Glen Avenues, Glenanda

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Equipment All Risk KEU Underwriting Managers CC Physical address (head office): 88 Monkor Road, Randpark Ridge, 2169 Phone: +27 (0)861 00 0090 Fax: +27 (0)861 00 0030 Web address: www.keu.co.za E-mail: info@keu.co.za FSP licence number: 5076 Insurer/risk carrier/principal: Centriq (FSP: 3417) Product information: An event typically requires equipment to help realise the vision for the exhibition, conference or function. KEU’s equipment insurance ensures that all the hours of painstaking effort will not go to

waste should the hired-in equipment be lost or damaged during the event. The equipment insurance specifies whether the cover is at replacement value or an agreed value, which may also incorporate repair costs. Of course, there are specific exceptions and these relate to theft from an unattended vehicle; damage as a result of a cleaning or similar process; pre-existing damage or wear-and-tear; confiscation by authorities; mechanical problems or delivery challenges. The first amount payable is excluded from the standard cover.

Event liability and Event cancellation KEU Underwriting Managers CC Physical address (head office): 88 Monkor Road, Randpark Ridge, 2169 Phone: +27 (0)861 00 0090 Fax: +27 (0)861 00 0030 Web address: www.keu.co.za E-mail: info@keu.co.za FSP licence number: 5076 Insurer/risk carrier/principal: Centriq (FSP: 3417) Product information: KEU’s events insurance provides cover for all types of events arranged by an events organiser. It encompasses two main areas of event insurance: event liability and event cancellation. Both products offer general cover with the option of extending the cover to meet specific needs. Event liability covers what the insured would legally be liable for should someone accidentally die, sustain a bodily injury or illness at the event. It also covers accidental loss of property and property damage. The discussion with your specialist broker cont 

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At KEU, we have a clear understanding that every event is unique and special to you. Our event insurance policies have been developed with the benefit of long-term experience as underwriters that are focused on your industry.

Event liability Leppard & Associates (Pty) Ltd Postal address: PO Box 2730, Houghton, 2041 Phone (head office): +27 (0)11 459 1640 Fax (head office): +27 (0)11 268 5887 Web address: www.leppard.co.za E-mail: simon@leppard.co.za FSP licence number: 274 Insurer: Lombard Insurance Company Limited (FSP: 1596) Product information: General public liability, broad-form liability, products liability, events liability, excess layers and umbrella covers, agrichem liability, motor third party liability, personal liability top-up (XOL and umbrella), commercial liability top-up (XOL and umbrella), warehousemen’s and carriers’ liability and contractors’ liability.

Event Liability

Event Cancellation

Film Producers’ Indemnity

Prize Indemnity

Equipment All Risk

13 years

of rousing performance This is KEU’s 13th year of stellar performance in delivering tailor-made insurance solutions to the film, television, events and entertainment industries. Since the opening act, KEU has struck the right balance between good partners, a solid track record and the flexibility needed in the entertainment industry. We’d like to thank our entire team – the star performers at the frontline, the technical team behind the scenes and of course, our partners – for helping us to tell a new story in insurance solutions for the entertainment industry. Here’s to another exciting episode in KEU’s story! Contact: Denise or Chummy 88 Monkor Road, Randpark Ridge Tel: 0861 00 0090 Fax: 0861 00 0030 email: info@keu.co.za

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is important to identify possible extensions you may need to KEU’s event liability insurance. Common extensions relate to emergency medical expenses; spread of fire; legal defence costs; wrongful arrest and defamation; the collapse of temporary structure; and food and drink. The financial impact of an abandoned or cancelled event could be disastrous. Exhibitions, concerts, conferences, processions, festivals and sports events carry a greater risk of cancellation because they are usually held in the open and weather will always be beyond the organiser’s control. Typically, events are cancelled as a result of natural disasters, fire and explosions, technical defects, government intervention or nonappearance of a specific artist.

www.keu.co.za

KEU Underwriting Managers CC underwritten by Centriq Insurance Company (RF) Ltd, will partner only with registered short-term brokers to ensure your risk is covered. KEU is a member of SAUMA.

Authorised FSP: KEU 5076 Authorised FSP: CENTRIQ 3417

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Excess insurance Ibiliti Underwriting Managers (Pty) Ltd Physical address (head office): Phase 1, Office 4B, Broadacres Shopping Centre, Broadacres, Fourways, 2191 Phone: +27 (0)010 590 5511 Web address: www.ibiliti.co.za E-mail: yolande@ibiliti.co.za FSP licence number: 43404 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS FSP: 10313) Product information: Excess policy buying your client’s excess down is an innovative option to mine your existing client base, without having to source new business, while offering real value to the client. The excess product is available online with updated records, documentation and real-time

management information at your fingertips. We assist all parties to focus on their main functions and thereby ensuring efficiency. We bridge the gap between expensive underwriting and administration costs thereby saving everyone involved time and money. Buying down an excess has never been so easy. This product assists the insured with their cash flow in times of need by providing peace of mind in an affordable way. Your client will be able to reduce or buy their excesses for the various non-motor sections of the commercial policy, motor, plant equipment, goods in transit and professional indemnity. Downtime and shortfall cover can also be provided. This is a stand-alone product and the underlying policy can be placed with any South African insurer.

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Policy Provider Underwriting Managers Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Web address: www.i-cycleinsurance.co.za Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 E-mail: sean@policyprovider.co.za FSP licence number: 43569 Insurer/risk carrier/principal: Genric Insurance Company Limited (FSP: 43638)

made up of a VAP which can slot into a policy or be sold as a stand-alone. The cover can cover up to 100 per cent of excess or absorb some of the excess. We can structure a product specifically for your needs. Some of the excess we can do are: • Motor • Non-motor • Public indemnity • Commercial.

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Product information: InsureXS is a unique product that can cover excess. The product is

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Zuric 15 M

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Regis

Zurich Insurance Company South Africa

Managing risk is a core function of our business. Founded in 1965, Zurich South Africa is a subsidiary of the Swiss-based global Zurich Insurance Group, a leading multi-line insurance provider. We take a Group-wide approach to our risk engineering capability and resources, fully leveraging the strength of our global organisation to help our customers better understand, and protect themselves from risk.

Global Corporate (including Financial Lines, Liability and D&O)

Telephone No. Website:

Commercial

Small and Medium Enterprise

Personal Lines

011 370 9111 www.zurich.co.za

Zurich Insurance Company South Africa Limited 15 Marshall Street, Ferreirasdorp, Johannesburg, 2001

Registration No. 1965/006764/06 Authorised Financial Services Provider No. 17703

Specialist Lines (including Engineering and Marine)

Ten facts about film 1

The American film industry generated nearly R4.9 trillion in revenue in 2012.

In 2010, District 9 – an action-packed science-fiction movie about a sub-class of aliens forced to live in the slums of Johannesburg – was nominated for four Academy Awards, including best picture.

The 2005 movie Lord of War showed South Africa’s appeal as a destination to shoot major Hollywood pictures, with Cape Town and its surrounding areas appearing as 57 different settings in the Middle East, Bolivia, Sierra Leone and elsewhere.

Pirates of the Caribbean: At World’s End was the most expensive movie to produce of all time at an estimated cost of R2.97 billion.

Charlize Theron was the first South African to win an Oscar for Best Actress.

The South African film and television industry contributes around R3.5 billion a year to the country’s economy.

South Africa has signed co-production treaties with eight countries, including Canada, Italy, Germany, UK, France, Australia, New Zealand and Ireland. This means that any official co-production is regarded as a national production of each country.

South Africa’s highest grossing film is Leon Schuster’s Shuks Tshabalala, which made R37 million at the box office in 2010.

The state-of-the-art Cape Town Film Studios is the first custom-built Hollywood-style film studio complex of its kind in Africa.

South Africa’s most eminent producer is Anant Singh, who has produced more than 60 films, including the Oscar-nominated Yesterday.

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Factory and industrial Factory and Industrial Physical address: 3 River Road, Bedfordview, 2008 Phone: +27 (0)861 322 463/ +27 (011) 615 1640 Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138 Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk

solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

Fidelity guarantee Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

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Product information: SHA’s fidelity guarantee indemnifies the insured against direct financial loss resulting from employee’s dishonesty/ fraud. SHA is the market leader when it comes to fidelity guarantee liability with over 27 years’ experience in this field. Understanding market and claim trends when pricing risks is of paramount importance and we provide a tailor-made solution for each client’s needs and have the only local wording available along with a dedicated team of underwriters and claims specialists. Limit of indemnity is R500 million.

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Film producers’ indemnity/Film and entertainment Film & Entertainment Underwriters SA (Pty) Ltd Postal address (head office): Suite 244, Private Bag X17, Weltevreden Park, 1715 Phone: +27 (0)11 431 3694 Fax: +27 (0)11 431 4188 Web address: www.feusa.co.za E-mail: clive@feusa.co.za Contact person: Clive Shelver – Managing director FSP licence number: 42293 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Film & Entertainment Underwriters SA specialises in insurance products that are specific to the film and entertainment industries, such as insurance for television commercials, television series, documentaries, music videos, feature films and entertainment events.

Products include: • Package covering key cast and crew • Negative, video tape and digital card all risks • Faulty stock/camera and processing • Props, sets and wardrobe • Third party property damage. • Extra expense • All risks protection on hired-in film equipment • Personal accident protection for crew, cast and extras • Public liability on premises and location • Employer’s liability • Motor insurance for hired-in vehicles/action vehicles • Cancellation, abandonment and weather -related risks • Animal mortality • Events liability • Prize indemnity.

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Film producers’ indemnity/Film and entertainment (cont.) KEU Underwriting Managers CC Physical address (head office): 88 Monkor Road, Randpark Ridge, 2169 Phone: +27 (0)861 00 0090 Fax: +27 (0)861 00 0030 Web address: www.keu.co.za E-mail: info@keu.co.za FSP licence number: 5076 Insurer/risk carrier/principal: Centriq (FSP: 3417) Product information: At KEU, we offer film and commercial producers’ indemnity that encompasses all the important elements and risks so that the insured can focus squarely on their production. We have developed our products over many years of focusing exclusively on the production companies’ needs and we are constantly updating them.

covered for damage or destruction as well as the liability. • Additional expenses related to an insured event can make all the difference. KEU’s cover has anticipated such additional expenses to ensure that you can rest easy. • Business property and office contents to ensure that you are insured against loss or damage, given that production companies use electrical data processing equipment. • Employers’ liability for all cast and crew under contract to the production company. • Third party property damage, public liability cover. • Money – applicable mainly to film productions, KEU’s coverage ensures that the insured can recover from the loss, damage or destruction of money or securities that are needed for their production.

Our product covers: • Cast and crew, who are crucial to the smooth running of the production. • Negative film or digital media and faulty processing, including possible extra expenses while reshooting or recording. • Props, sets and wardrobes, whether the insured owns them or not. • Equipment, both hired equipment and assets which are owned by the production company. • Motor vehicles which are used by production staff, in stunts or as props need to be

Fuel guarantee cover and Filling station cover Garagesure Consultants and Acceptances Postal address (head office): PO Box 3375, Randburg, 2125 Phone: +27 (0)11 791 6602 Fax: +27 (0)11 791 6361 Web address: www.garagesure.co.za E-mail: leslie@garagesure.co.za FSP licence number: 4467

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Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Retail fuel insurance specialists offering niche underwriting skills for both commercial insurance and retail fuel guarantees.

F-G Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: The filling stations policy has been designed specifically for the fuel retail industry. This industry has some unique risks due to the 24 hour/365 days nature of the business. The filling station policy has numerous special extensions and enhancements making this policy one of the most suitable and comprehensive policies available in the market Benefits include: • Competitive rates

• 24/7/365 call centre claims support • In-house claims settlement • On-site legal services. Target market: All filling stations including related business on the premises, such as: • Car washes • Convenience stores • Dealerships • Fast food outlets • Service and fitment centres • Workshops. Cover includes: Key material loss and liability for injuries, death and/or damage to third parties. Unique benefits include: • Contamination of fuel • Credit card fraud and abscondence • Forecourt liability • Industry specific covers • Leakage of fuel.

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Fuel guarantee cover and Filling station cover (cont.) Refine Underwriting Managers (Pty) Ltd Postal address: PostNet Suite 221, Private Bag X75, Bryanston, 2021 Phone: +27 (0)11 519 5355/ +27 (0)861 Refine (733463) Fax: +27 (0)86 610 4889 Web address: www.refine-um.co.za E-mail: jean@refine-um.co.za FSP licence number: 20395 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP: 17703)

extends to the Caltex branded marketer as well. Refine is a specialist and experienced underwriter in offering guarantee solutions, underwriting on behalf of Zurich Insurance Company South Africa Limited. Zurich’s participation in this class of risk is of major value to the industry, due to their global brand and credit rating strength.

Product information: We have been offering fuel retail guarantee solutions for the entire fuel retail industry since 2004. Our solution is not only aimed at the retail fuel industry alone, but

General and broad-form liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

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tel: 086 email:

Polygon Underwr

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Goods in transit/Inland transit Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 Web address: www.associatedmarine.co.za E-mail: mike.brews@amua.co.za FSP licence number: 3416 (Santam)

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Product information: Land, sea and air – we’ve got you covered, providing wider, flexible cover for all your marine insurance needs. Whether it’s marine cargo, goods in transit, marine hull or marine liabilities – we’ve got it covered.

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tel: 086 email:

Quantum Underwr

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Royal Cover! and peace of mind...

Our Policies are customised to provide extensive cover for risks associated with:

• Assets in Transit (Cash, Bullion, Precious Metals, Precious Stones, Negotiable Instruments) • Static Vault Cover • Fidelity Risks - Contract Specific or General • Fine Art and Collectables • ATM’s - Static and Transit Exposures • Deposit Taking Devices - Static and Transit Exposure

ContaCt Details:

tel: 086 110 3000 | Fax: 086 131 3005 email: info@polygongroup.co.za | Website: www.polygongroup.co.za Polygon Underwriting Agency (Pty) Ltd is an Authorised Financial Services Provider (FSP No: 35345) Underwriting Agency for GeNRic insurance company Limited (FSP No: 43638)

QUANTUm LiAbiLiTY UNdeRwRiTiNG mANAGeRS.

INNOvAtION bOrN FrOM exPerIeNce. We offer:

• commercial liabilities cover for security companies. • Motor dealership support and insurance for complaints or claims made under the consumer Protection Act. • Professional indemnity for short-term financial service providers and motor dealerships.

CUSTOM MADE SolutionS to fit the individual riSk demandS of each client.

ContaCt Details:

tel: 086 173 3336 | Fax: 086 531 3005 email: info@qlu.co.za | Website: www.qlu.co.za Quantum Liability Underwriting Managers (Pty) Ltd is an Authorised Financial Services Provider (FSP No: 44367) Underwriting Agency for GeNRic insurance company Limited (FSP No: 43638)

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Goods in transit/Inland transit (cont.) Beyonda Group (Pty) Ltd Postal address: PO Box 1860, Bedfordview, 2008 Phone: +27 (0)11 023 6561 Fax: +27 (0)86 600 0964 Web address: www.beyonda.co.za E-mail: info@beyonda.co.za FSP licence number: 1361 Insurer/risk carrier/principal: Centriq (FSP: 3417)

Product information: As market leaders in excess buy-down products, Beyonda provides clients with all their commercial vehicles excess/deductible requirements. Beyonda also offers goods in transit cover. Our products include: • Competitive comprehensive goods in transit cover • Goods in transit excess reducer.

Financed Asset Underwriters Physical address (head office): 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)11 760 6800 Fax: +27 (0)11 763 7676 Web address: www.fau.co.za E-mail: sales@fau.co.za FSP licence number: 16876 Insurer/risk carrier/principal: Hollard Insurance Company/Renasa Insurance Company Product information: Financed Asset Underwriters issues multi-insurer policies and specialise in hauliers combination policies, covering office, truck and GIT insurance. The also provide cover for small to medium businesses. Cover is tailor-made to suit each

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client’s and brokers needs and requirements. Products include: • Multimark 3 • Commercial trucks including HCV • Heavy commercial trailers • Goods in transit • Light delivery vehicles • Private cars • Loss of use • Excess reducer • Theft cover for tyres, battery, tools and accessories • Credit shortfall/top up/inception value • Owner driver schemes • Plant.

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Goods in transit/Inland transit (cont.) Lynx Transport Underwriting Managers (Pty) Ltd Postal Address: PostNet Suite 366, Private Bag X132, Centurion, 0046 Telephone: +27 (0)86 110 5969 Fax: +27 (0)86 585 6627 Web address: www.ltum.co.za E-mail: info@ltum.co.za FSP licence number: 2880 Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Goods in transit Our products provide niche liability and insurances tailor made for the goods in transit sector, specifically owners of commercial transport vehicles and fleets. Lynx brings refreshing new market capacity and expertise. Including: Conventional goods in transit cover for transport contractors

Conventional goods in transit cover for owners of goods Transport broker contingent cover One-off risks Basic excess reducer Theft/hijack excess reducer Benefits of the Lynx GIT policy: • Six-metre and 12-metre container cover • Driver fidelity • Debris removal with a R nil excess • Salvage costs with a R nil excess • Tarps, nets, straps and chains with a R nil excess • Five per cent overloading allowance • 72-hour temporary storage • Cover on a first loss basis • 24/7 helpline assistance in the event of an accident, theft or hijack • Free fleet management tool

Policy Provider Underwriting Managers Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 Web address: www.i-cycleinsurance.co.za E-mail: sean@policyprovider.co.za FSP licence number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP: 32460) Product information: TransitSure is a conventional goods in transit policy. Cover includes overloading exceeded, over height exceeded, salvage and recovery, debris removal, loading and unloading cover and roadside assistance, including mechanical breakdown on the vehicle, security in the event of an accident, overturning or collision. Roadside assistance will

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co-ordinate and manage scene of incident with all authorities and suppliers. It will also assist in the event of breakdown.

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Regal HCV (Pty) Ltd Postal address: 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)87 803 0580 Fax: +27 (0)86 682 0340 Web address: www.regalhcv.co.za E-mail: sales@regalhcv.co.za FSP licence number: 44721 Insurer/risk carrier/principal: Renasa Insurance Company Product information: Regal HCV is a specialist transport underwriter focusing on the needs of transport operators based in South Africa. Regal HCV’s territorial limits extend to all African countries south of the equator. The

focus is on providing fast and efficient service with superior products. The company will tailor products to suit specific needs. Products include: • All vehicle types on comprehensive, constructive loss, third party fire and theft, or third party only basis • Goods in transit • Public liability • Personal accident – owner, driver and crew • Excess reducer • Loss of use • Repatriation cover • Theft cover for tyres, tools and batteries • See You Right roadside assist.

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Goods in transit/Inland transit (cont.) Tradesure Commercial Specialists and Tradesure Truck and Marine Envisage walking into your client’s offices. You park your car between the client’s 30 ton truck and his delivery van (all insured by Tradesure). You walk into his building (insured by Tradesure), and his offices (all contents, including electronic equipment insured by Tradesure). Continue walking to his warehouse insured by Tradesure and find the stock and manufacturing machines that produce his income (all insured by Tradesure). We will do it all.

Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co.za E-mail: david@tradesure.co.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited Product information: Tradesure insures your client, period. Transit Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 291, Century City, 7446 Physical address (head office): 11th Floor, 2 Long Street, Cape Town, 8001 Phone: +27 (0)86 111 3597 Fax: +27 (0)86 111 3655 Web address: www.tum.co.za E-mail: tum@tum.co.za FSP licence number: 20480 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148)

Product information: Road transit within RSA and SADC countries, specified vehicle basis, one-off covers, contingency covers, owner-driver and large fleet schemes and excess buy-back options. First loss limits loading/off-loading, extended basis of valuation for imported and bonded cargo, overheight container extension, overloading extension, additional cover for debris removal, including non-liability clean-up, additional cover for load recovery, incidental storage and consolidation cover as well as driver fidelity extension available.

XL Transit Physical address (head office): 3rd Floor, Hout Street Studios, 37 Hout Street, Cape Town, 8001 Phone: +27 (0)861 999 627 Fax: +27 (0)861 999 634 Web address: www.natsure.co.za E-mail: xlt@xltransit.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: XL Transit is a specialist goods in transit commercial transport underwriter which specifically targets insurance needs for the following markets:

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• Commercial transporters • Own goods suppliers • Transport brokers • Commercial transport sub – contractors and owner drivers. XL Transit has specialist incident response project managers that alleviate the burden of a loss on the shoulders of any transporter or owner of goods.

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Graduate professionals Ibiliti Underwriting Managers (Pty) Ltd Physical address (head office): Phase1, Office 4B, Broadacres Shopping Centre, Broadacres, Fourways, 2191 Phone: +27 (0)10 590 5511 Web address: www.ibiliti.co.za E-mail: yolande@ibiliti.co.za FSP licence number: 43404 Insurer/risk carrier/principal: Absa Insurance Risk Management Services t/a AIRMS (FSP: 10313) Product information: Insurance for graduate professionals â&#x20AC;&#x201C; this product is available to carefully selected brokers who focus on the professional market supported by seamless Internet software and real-time portfolio

management tools. The policy is designed to meet the insurance needs of graduate professionals who operate their business in relation to their qualification and offers comprehensive and flexible business and personal insurance cover. Your clients can choose from a range of covers, tailored to suit their needs. This simplified and unique policy is ideal for the following persons: business services such as architectural services, auditing and accounting firms, licensed FSPs/brokers, legal practitioners, quantity surveyors; health services, including but limited to dental services, medical and health practitioners, optometrists, physiotherapists and veterinary services.

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Ten facts about HIV 1

In 2012, there were 35.3 million people living with HIV.

Since the start of the epidemic, around 75 million people have been infected with HIV.

New HIV infections have fallen by 33 per cent since 2001.

Aids-related deaths have fallen by 30 per cent since the peak in 2005.

An estimated 36 million people have died from Aids-related illnesses.

In 2012, only 61 per cent of people eligible for antiretroviral therapy in low and middle income countries had access to treatment.

Low- and middle-income countriesâ&#x20AC;&#x2122; domestic investments for HIV account for 53 per cent of all HIV-related spending.

Globally, young women aged 15â&#x20AC;&#x201C;24 have HIV infection rates twice as high as young men.

According to UNAIDS population-based surveys in low- and middle-income countries, only 24 per cent of young women and 36 per cent of young men responded correctly when asked five questions on HIV prevention and HIV transmission.

An estimated 3.34 million children are living with HIV, with most living in sub-Saharan Africa.

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Hauliers’ combination insurance Financed Asset Underwriters Physical address (head office): 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)11 760 6800 Fax: +27 (0)11 763 7676 Web address: www.fau.co.za E-mail: sales@fau.co.za FSP licence number: 16876 Insurer/risk carrier/principal: Hollard Insurance Company/Renasa Insurance Company Product information: Financed Asset Underwriters issues multi-insurer policies and specialise in hauliers combination policies, covering office, truck and GIT insurance. The also provide cover for small to medium businesses. Cover is tailor-made

to suit each client’s and brokers needs and requirements. Products include: • Multimark 3 • Commercial trucks including HCV • Heavy commercial trailers • Goods in transit • Light delivery vehicles • Private cars • Loss of use • Excess reducer • Theft cover for tyres, battery, tools and accessories • Credit shortfall/top up/inception value • Owner driver schemes • Plant.

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM’s heavy commercial vehicle products are developed and administered by a division which is dedicated to commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates

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• 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value. Cover includes: • Fire extinguishing charges • Locks and keys • Third party liability • Towing charges • Windscreen • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducers • Goods in transit.

H-J Regal HCV (Pty) Ltd Postal address: 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)87 803 0580 Fax: +27 (0)86 682 0340 Web address: www.regalhcv.co.za E-mail: sales@regalhcv.co.za FSP licence number: 44721 Insurer/risk carrier/principal: Renasa Insurance Company Product information: Regal HCV is a specialist transport underwriter focusing on the needs of transport operators based in South Africa. Regal HCV’s territorial limits extend to all African

countries south of the equator. The focus is on providing fast and efficient service with superior products. The company will tailor products to suit specific needs. Products include: • All vehicle types on comprehensive, constructive loss, third party fire and theft, or third party only basis • Goods in transit • Public liability • Personal accident – owner, driver and crew • Excess reducer • Loss of use • Repatriation cover • Theft cover for tyres, tools and batteries • See You Right roadside assist.

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HEALTh AND ACCIDENT accidentANGELS Physical address (head office): 86 Studio Park, Concourse Crescent, Lonehill, 2060 Phone: +27 (0)80 264 3576 Fax: +27 (0)86 750 7994 Web address: www.accidentangels.co.za E-mail: info@accidentangels.co.za FSP licence number: 44156

Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: accidentANGELS makes sure that you and your family get fast, effective medical care by guaranteeing your admission to a private hospital following a motor vehicle accident.

Ambledown Financial Services (Pty) Ltd Physical address (head office): Ambledown House, Eton Office Park East, Corner Harrison Street and Sloane Avenue, Bryanston, 2191 Phone: +27 (0)86 126 2533 Fax: +27 (0)11 463 1600 Web address: www.ambledown.co.za E-mail: info@ambledown.co.za FSP licence number: 10287 Insurer/risk carrier/principal: Constantia Insurance Group, Hollard Group Risk and Absa Insurance Company Product information: We offer a

comprehensive portfolio of health insurance products designed specifically to address the risk of shortfalls in medical scheme benefits following a hospital event. We pride ourselves in having achieved the largest gap cover risk pool in South Africa. We are strong advocates of consumer protection. Our code of ethics requires that our products do not harm or undermine the general medical scheme risk pool. We are entirely service focused; you will find our service team to be prompt, compassionate and highly professional.

Health and Accident Underwriting Managers (Pty) Ltd Physical address (head office): 22 Stiglingh Road, Rivonia, 2128 Phone: +27 (0)11 234 7333 Fax: +27 (0)86 605 5859 Web address: www.healthacc.co.za E-mail: ahofman@healthacc.co.za FSP licence number: 376 Insurer/risk carrier/principal: Compass Insurance Company Limited Product information: H & A offers multiple health insurance products via the broker market. We offers various aspects of income protection for most occupations. Cover includes benefits from day one up to the maximum period of 24 months. Benefits cover loss of earnings

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due to both illness and accident, or accident only. We offer solutions to individuals and groups. H & A offers various options of group personal accident cover including solutions for corporate clients, farmers and schoolchildren. We also offer various travel cover options to corporates for employees travelling abroad. H & A offers multiple personal accident products for individuals and most occupations.

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Oneplan Health Insurance Postal address (head office): PO Box 652075, Benmore, 2010 Phone: +27 (0)10 001 0141 Web address: www.oneplan.co.za E-mail: marketing@onegrp.co.za Insurer/risk carrier/principal: Absa Insurance Risk Management Services (Ltd) t/a AIRMS Product information: Oneplan offers health insurance plans from as little as R254 per month. Giving South Africans an alternative choice to protect and maintain their well-being through personal health insurance. We’ve designed our plan options to be simple, costeffective and easy to understand. So when accidents or illness occurs, our clients are

covered, without any surprises. Cover includes: doctors, medication, hospital, maternity, ambulance, specialist, dentistry, radiology, pathology and more. Claims are pre-paid to a Onecard Transactional Card via a unique mobile claim process. Oneplan and Onepet are administered by Onecard Management Services (Pty) Ltd (FSP: 43628) and are marketed by Onecard Investments (Pty) Ltd (FSP: 43627), authorised financial services providers. Oneplan is not a medical aid scheme. All products are short-term insurance products and are underwritten by Absa Insurance Risk Management Services (Ltd) T/A AIRMS.

Universal Acceptances Physical address (head office): PO Box 190, Witkoppen, 2068 Phone: +27 (0)11 705 3371 Fax: +27 (0)86 166 562 Web address: www.natsure.co.za E-mail: theresaj@ua.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Guardrisk Insurance Company

Product information: Universal Acceptances covers: • Accidental death • Accidental disfigurement • Repatriation costs • Hijacking and kidnapping • Mobility • Family/domestic servants medical • Credit protection • Rehabilitation.

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Heavy commercial vehicle cover Beyonda Group (Pty) Ltd Postal address: PO Box 1860, Bedfordview, 2008 Phone: +27 (0)11 023 6561 Fax: (0)86 600 0964 Web address: www.beyonda.co.za E-mail: info@beyonda.co.za FSP licence number: 1361 Insurer/risk carrier/principal: Centriq (FSP: 3417) Product information: As market leaders of excess buy-down products, Beyonda provides clients with all its commercial vehicle excess/ deductible requirements. Protect your cash flow in the event of a loss by insuring your excesses.

Our products include: • Comprehensive goods in transit cover • Goods in transit excess reducer • Car rental excess buy-down cover • Own damage excess buy-down • Total loss, including theft/hijacking • Penalty excess buy-down • Hazardous chemical pollution liability excess reducer • Loss of use/income cover • Third party excess reducer • Credit shortfall • Deposit protector • Tow fee top-up cover • Stand-alone windscreen cover.

Captive Business Consultants (Pty) Ltd Physical address (head office): 31A Arterial Road, West Oriel, Bedfordview, 2008 Phone: +27 (0)11 615 3640 Fax: +27 (0)11 615 3678 Web address: www.captive.co.za E-mail: chris@captive.co.za FSP licence number: 9359 Insurer/risk carrier/principal: Guardrisk Insurance Company Ltd Product information: • All commercial vehicles in excess of 3500 kg • Yellow equipment

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• Light delivery vehicles • Limited private type vehicles • Aggregate excess • Self-funding • Sand and stone • Harbour • Progressive fund • Discretionary premium refund.

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Heavy commercial vehicle cover (cont.)

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM’s heavy commercial vehicle products are developed and administered by a division which is dedicated to commercial trucking and transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value. Cover includes: • Fire extinguishing charges • Locks and keys • Third party liability • Towing charges • Windscreen • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducers.

Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, 2007 Phone: +27 (0)11 601 8800 Fax: +27 (0)11 601 0530 Web address: www.insurancezone.co.za E-mail: info@insurancezone.co.za FSP licence number: 42879 Insurer/risk carrier/principal: Hollard Insurance Company

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Product information: Many have found the HCV is a tricky business that can burn fingers before the scheme even gets off the ground. Having the right brains-trust is where the trick lies and we have it. Call us when that next HCV policy comes your way and we will do our utmost to get it onto your books.

H-J Merx HCV Postal address (head office): PO Box 4472, Atlasville, 1465 Phone: +27 (0)11 455 3838 Fax: +27 (0)11 455 0943 Web address: www.merxhcv.co.za E-mail: info@merxhcv.co.za FSP licence number: 42991 Insurer/risk carrier/principal: Mutual & Federal (FSP: 12) Product information: Merx HCV is a specialist UMA for heavy commercial vehicles. We underwrite on behalf of Mutual & Federal. Heavy commercial vehicles are any vehicles that require licence codes C1, C, EB, EC1 and EC. We have a mandate from Mutual & Federal to handle the full underwriting and claims process. Merxsure is our tailor-made product aimed at the transportation market.

Other tailor-made solutions include the following: • Aggregate excess • Burning cost • Merxsure funding. Value-added products: • Transit cover • Own damage excess reducer • Theft or hijacking excess reducer • Loss of use • Credit shortfall • Towing cost outside RSA • Third party excess reducer • Transit own damage excess reducer • Transit theft or hijacking excess reducer • Environmental impairment liability policy • Merxsure One Excess Product.

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Heavy commercial vehicle cover (cont.)

Lynx Transport Underwriting Managers (Pty) Ltd Postal Address: PostNet Suite 366, Private Bag X132, Centurion, 0046 Telephone: +27 (0)86 110 5969 Fax: +27 (0)86 585 6627 Web address: www.ltum.co.za E-mail: info@ltum.co.za FSP licence number: 2880 Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Lynx Transport Underwriting Managers sets the benchmark for heavy commercial vehicle insurance, including cars and light delivery vehicles which form part of a fleet. We combine superior knowledge of the transport industry and its associated risks with a comprehensive policy.

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Cover is available for special types (yellow goods) including mobile plant used in construction works. We also specialise in owner-driver operations. Includes: • Comprehensive cover • Restrictive covers • Profit sharing incentive schemes • All risks cover • Special types of vehicles • Own damage excess reducer • Theft/hijack excess reducer • Loss of use • Free fleet management tool • 24/7 helpline assistance in the event of an accident, theft or hijack • Quick claims settlements.

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We focus on transporters, and nothing else Heavy commercial veHicle insurance & Goods-in-transit insurance Lynx offers transporters superior insurance solutions to meet their demands Lynx offers brokers and their clients a complete transport insurance solution, supported by exceptional service and expertise Our products include: • Tailored terms, excesses and rates • Tailor-made, easy-to-read policy wording • Risk management • 24-hour claims and recovery assistance • Fleet management advice and service including LYNX Vital

LYNX VitaL... is VitaL to Your busiNess

uniQue one-stop coVer With direct access to lYnX underWriting eXperts w w w. LT U M . c o . z a Lynx Transport Underwriting Managers (Pty) Ltd tel: 086 110 lynX (5969) | Fax: 086 585 6627 | email: info@ltum.co.za | Web: www.ltum.co.za LYNX Transport Underwriting Managers (Pty) Ltd is an authorised Financial services Provider (FSP No: 2880) underwriting agency for Genric insurance company limited (FSP No: 43638)

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Heavy commercial vehicle cover (cont.) Regal HCV (Pty) Ltd Postal address: 323 Ontdekkers Park, Roodepoort, 1725 Phone: +27 (0)87 803 0580 Fax: +27 (0)86 682 0340 Web address: www.regalhcv.co.za E-mail: sales@regalhcv.co.za FSP licence number: 44721 Insurer/risk carrier/principal: Renasa Insurance Company Product information: Regal HCV is a specialist transport underwriter focusing on the needs of transport operators based in South Africa. Regal HCV’s territorial limits extend to all African countries south of the equator. The focus is on providing fast and

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efficient service with superior products. The company will tailor products to suit specific needs. Products include: • All vehicle types on comprehensive, constructive loss, third party fire and theft, or third party only basis • Goods in transit • Public liability • Personal accident – owner, driver and crew • Excess reducer • Loss of use • Repatriation cover • Theft cover for tyres, tools and batteries • See You Right roadside assist.

H-J Tradesure Commercial Specialists and Tradesure Truck and Marine Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co E-mail: david@tradesure.co.za.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited. Product information: Tradesure insures your client, period. Envisage walking into your clientâ&#x20AC;&#x2122;s

offices. You park your car between the clientâ&#x20AC;&#x2122;s 30 ton truck and his delivery van (all insured by Tradesure). You walk into his building (insured by Tradesure), and his offices (all contents, including electronic equipment insured by Tradesure). Continue walking to his warehouse insured by Tradesure and find the stock and manufacturing machines that produce his income (all insured by Tradesure). We will do it all.

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HIV life cover AllLife (Pty) Ltd Postal address (head office): PO Box 787159, Sandton, 2196 Phone: +27 (0)861 255 5433 Fax: +27 (0)86 612 6595 Web address: www.alllife.co.za E-mail: info@alllife.co.za FSP licence number: 4946 Insurer/risk carrier/principal: Centriq Life Insurance Company (RF) Limited

Product information: AllLife designs, distributes and administers life insurance products. We provide affordable life cover for individuals living with HIV. Since 2005, we have provided affordable life cover for thousands of people living with HIV, as well as significantly improving the health experience of the individuals we insure through our adherence management programme.

Hole-in-one cover Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167

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Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: We have a facility to write hole-in-one insurance, with a prize indemnity of up to R1 million.

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Homeowners’ insurance CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 Web address: www.cia.co.za E-mail: sharne@cia.co.za FSP licence number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: CIA – Commercial & Industrial Acceptances (Pty) Ltd (Registration number: 2000/019340/07, FSP number: 13890) underwrites on behalf of Compass Insurance Company Limited

(FSP number: 12148, registration number: 1994/003010/06). CIA’s homeowners’ policy is unique in that it provides all risks cover and automatically includes subsidence and landslip at no additional cost and without the need for expensive geotechnical engineers’ reports. Products include: • Inflation and escalation • Public supply connections • Subsidence and landslip • Loss of rent or alternative accommodation • Liability • Power surge • Claims preparation costs.

Cover included: • Additional costs for demolition and clearing, erection of hoardings, municipal plan scrutiny, architects, quantity surveyors and consulting engineers • Accidental damage to machinery including sprinkler irrigation systems and boreholes • Cost of removal of trees • Cover before property transfer • Damage by wild baboons or wild monkeys • Damage to gardens • Emergency accommodation following a loss from an insured peril • Fire brigade costs • Gardens and water features • Glass and sanitaryware • Guards • Keys, locks and remote control units • Liability cover • Loss of rent • Medical, trauma and funeral costs • Public supply or mains connections: electricity and water pipes.

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Hospitality and leisure industry Alternative Commercial Acceptances (Pty) Ltd Hospitality lines: We are able to write hospitality business – lodges, hotels, game and hunting farms, guesthouses and related risks. Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire.

Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Phone: +27 (0)87 232 8860/ +27 (0)87 232 8560 Fax: +27 (0)86 620 0174 Web address: www.acaselect.co.za E-mail: leon@acaselect.co.za/ francois@acaselect.co.za FSP licence number: 39835

Farming lines: We can provide a wide range of covers that will cater for the needs of commercial and bona fide farming entities. Niche product: Turtle Cover – we have a market first in this product where we are breaking boundaries to extend existing clients’ cover to ensure that they are not left with a shortfall when experiencing a claim.

Product information: ACA is a registered financial services provider with an underwriting arrangement with Western National Insurance Company Ltd. Commercial lines: We write all general lines of short-term insurance, with preference to commercial business (small to medium industries). Ascent Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2316, Rivonia, 2128 Phone: +27 (0)861 286 264 Fax: +27 (0)86 633 4311 Web address: www.ascentsure.co.za E-mail: info@ascentsure.co.za FSP licence number: 35519 Insurer/risk carrier/principal: Infiniti Insurance (FSP: 35914)

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Product information: Welcome Plus Policy – specialised and innovative product range designed to provide comprehensive cover to the hospitality industry (hotels, resorts, lodges, bed and breakfasts). Wine and Dine Policy – specialised and innovative product range designed to provide comprehensive cover to the entertainment industry (restaurants, take-aways, food and beverage, catering, clubs and function venues).

H-J Factory and Industrial Physical address: 3 River Road, Bedfordview, 2008 Phone: +27(0)861 322 463/ +27 (011) 615 1640 Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138 Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing

and hospitality sectors. We place emphasis on our clientsâ&#x20AC;&#x2122; compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediariesâ&#x20AC;&#x2122; interests and clientsâ&#x20AC;&#x2122; businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

of green fees with our Grassed Sporting product. We automatically include at no extra cost greens; damage by any vehicle or animal or by falling trees; chemical and fertiliser damage; contaminated water; damage by mechanical equipment; malicious damage and failure of water supply (excluding as a result of drought).

Product information: HIC offers comprehensive cover for damage to golf courses, bowling greens and the resulting loss

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Hospitality and leisure industry (cont.) Hospitality & Leisure Underwriters Postal address (head office): PO Box 696, Bedfordview, 2008 Phone: +27 (0)11 450 3397/3951 Fax: +27 (0)86 689 4950 Web address: www.handl.co.za E-mail: info@handl.co.za FSP licence number: 4995 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: Hospitality & Leisure Underwriters (H&L), Santamâ&#x20AC;&#x2122;s specialist hospitality underwriter, offers specific related saXum Hospitality Physical address (head office): 15 Eton Road, Parktown, 2193 Phone: +27 (0)11 694 5900 Fax: +27 (8)66 638 652 Web address: www.saxum.net E-mail: mike@saxum.net FSP licence number: 32640 Insurer/risk carrier/principal: saXum Insurance Limited Product information: A product catering for hotels, lodges, bed and breakfasts, restaurants, conference centres and sports clubs.

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insurance to the entire hospitality industry. With our expertise and dedication, we ensure we are the brokersâ&#x20AC;&#x2122; preferred market leaders in the hospitality insurance sector providing customised insurance solutions for this specialist niche. Target markets include bed and breakfasts, guesthouses, boutique hotels, hotel chains, game farms, lodges, holiday or timeshare resorts, holiday homes and rentals, health and wellness spas, restaurants or franchise restaurants, golf clubs or estates and wine estates plus all associated risks.

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Hull insurance Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 Web address: www.associatedmarine.co.za E-mail: mike.brews@amua.co.za FSP licence number: 3416 (Santam)

Astra Maritime Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1761, Cramerview, 2060 Phone (head office): +27 (0)11 513 5000 Fax (head office): +27 (0)11 513 5026 Web address: www.astra-maritime.co.za E-mail: stevenf@astra-maritime.co.za FSP licence number: 5008 Insurer/risk carrier/principal: Hollard Insurance Company (FSP: 17698) Product information: Marine cargo – for imports and exports. Stock-throughputs – marine imports, storage and distribution risks under one policy.

Goods in transit – within South and Southern Africa by road or rail. Advance loss of profits – following a marine peril. Ideal for projects and new/upgraded production lines. Commercial hull – in particular fishing vessels, diamond recovery vessels and local coastal vessels. Marine liabilities – ship repairers, stevedores, charterers and marina operators. We offer a strong and experienced team able to efficiently handle complex claims with a proven track record with the same insurer since 1997.

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Income protection FMI Postal address (head office): PostNet Suite 91, Private Bag X01, Umhlanga Rocks, 4320 Web address: www.fmi.co.za Phone (head office): +27 (0)860 10 11 19 Fax (head office): +27 (0)31 502 5250

E-mail: fmiclientcare@fmi.co.za FSP licence number: 2717 Insurer/risk carrier/principal: Financial Management International (Pty) Ltd, underwritten by Lombard Life Ltd

Policy Provider Underwriting Managers Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 Web address: www.i-cycleinsurance.co.za E-mail: sean@policyprovider.co.za FSP licence number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP: 32460) Product information: RetrenchSure is a stand-alone policy where a client can insure a monetary value that will be paid out in the event that the insured is retrenched or has a dread disease. The cover is for six months. Cover can start at R5 000 per month and goes up to R15 000 per month and is paid in cash.

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Value add to domestic lines policies â&#x20AC;&#x201C; this is an product that can be added to a domestic lines policy or similar, that will insure a premium payment of the policy in the event that the insured is retrenched or has a dread disease and is paid for up to six months. Instalment agreement or similar arrangements â&#x20AC;&#x201C; a stand-alone or add-on product where a client can insure a instalment agreement or similar payment in the event that the insured is retrenched or has a dread disease and is paid for up to six months.

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IT security/Cyber liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

CyGeist Physical address (head office): 3rd Floor, Hatfield Corner, 1101 Burnett Street, Hatfield, 0001 Phone: +27 (0)12 364 0835 Fax: +27 (0)86 618 4130 Web address: www.cygeist.co.za E-mail: natalie@cygeist.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: We have developed an insurance product to address technology-related risks as well as impending regulatory demands by providing cover under circumstances excluded from traditional insurance coverage. In fact, it provides more than just insurance, but rather an holistic risk management package encompassing an information centre, IT security risk assessments, incident response coaching and planning.

• Costs to recover corrupted or destroyed information assets • Network/business interruption • Third party claims arising from compromised systems or data • Crisis management and notification costs • Expenses of specialists, investigators, attorneys, digital forensic auditors, or loss adjusters. • CyGeist underwrites on behalf of Guardrisk Insurance Company Limited by means of a dedicated and ring-fenced short-term cell captive, wholly owned by the Natsure Group.

Our product provides insurance cover for the following consequences of a network security and/or privacy breach:

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Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: Media and technology are revolutionising the way we communicate. Yet traditional insurance policies have not kept up with this evolving landscape. Our product has been specifically designed to provide comprehensive protection for the cyber, privacy and media risks faces by companies in their day to day operations. Our policy has been designed with the future in mind. It is a modular policy which allows companies to tailor the cyber, privacy and media cover they buy to the risks they face.

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Coverage includes: Cyber liability, privacy liability and first and third party privacy breach notification costs Comprehensive cybercrime cover including phishing scams, telephone hacking, identity theft, wire fraud and cyber extortion. Consequential reputational harm cover which gives direct protection for loss of net revenue as a result of security breach or denial of service attack. No retroactive date meaning there is no restriction on when the event which gave rise to the liabilities occurred. Cover for data held â&#x20AC;&#x2DC;in the cloudâ&#x20AC;&#x2122;. Comprehensive multimedia liability, protecting against claims for intellectual property rights infringement relating to all forms of content, including user generated content. Cover for regulatory actions and investigations. Technology errors and omissions. Court attendance costs. Crisis communication costs.

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jewellersâ&#x20AC;&#x2122; block Gem & Jewel Acceptances (Pty) Ltd Postal address (head office): PO Box 70014, Bryanston, 2021 Phone: +27 (0)86 123 4436 Fax: +27 (0)86 123 5436 Web address: www.gemjewel.co.za E-mail: natasha@gemjewel.co.za or info@gemjewel.co.za FSP licence number: 5064 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148)

guarantee, business all risks, liability, personal accident, motor, electronic equipment and accounts receivable. Included free of charge (terms and conditions apply): Trauma counselling following an armed robbery for staff and customers, stone breakage, shoplifting and rent.

Product information: Our 2 Precious policy provides comprehensive tailor-made cover for the jewellery industry. Cover options include stock, contents (includes internal glass), buildings, business interruption (also following theft), money, glass, fidelity

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Ten facts about kidnap and ransom 1

Statistics released by NYA International show that Africa accounts for 36 per cent of kidnap and ransom incidents globally.

According to a report in the Huffington Post, an average of 72 people were kidnapped a day in Mexico in 2012.

The top five countries of kidnappings for ransom are Nigeria, Mexico, Pakistan, Yemen and Syria.

According to international consulting firm Control Risks Group, kidnapping is one of the fastest-growing and lucrative criminal industries; it is estimated that kidnappers globally accrue more than R4.9 billion each year.

According to the SAPS Missing Persons Bureau, on average, 1 460 children are reported missing every year.

Although data is difficult to verify, it is estimated that 25 000 kidnappings took place worldwide in 2011.

The real number of kidnappings could be a lot higher as it is estimated that less than 20 per cent of kidnappings are reported.

Kidnap victims are not confined to the rich and famous. According to Griffin Underwriting, thousands of kidnap incidents involve employees with salaries averaging R39 000 a month.

The Mexican Government reported a more than 300 per cent increase in kidnappings since 2005.

According to figures from the Mexican Citizen Council for Public Safety and Criminal Justice, five in 100 hostages were killed in 2012.

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Kidnap and ransom insurance Praesidio Risk Managers (Pty) Ltd Postal address (head office): PO Box 3337, Cramerview, 2060 Phone: +27 (0)11 521 4056 Fax: +27 (0)11 521 4002 Web address: www.praesidio.co.za E-mail: andrew@praesidio.co.za FSP licence number: 14174

Product information: Comprehensive corporate protection: Covering a whole company or just certain individual employees on a worldwide basis. Family protection: Provides cover for individuals or whole families living in or travelling to high risk environments, or who could be targeted due to their wealth or profile. Piracy: A tailored product for maritime companies with exposures in high risk piracy areas such as the Gulf of Aden, Indian Ocean or Gulf of Guinea. What is covered? Cover for individuals on short-term trips or blanket coverage for a whole company on either an annual or multi-year basis. The comprehensive insurance policies will cover against: • Kidnap • Extortion • Product extortion • Political or wrongful detention • Hijack. Insured losses can include: • Ransom • Loss of ransom monies in transit • Legal liability • Additional expenses (including but not limited to the cost of PR consultants, psychiatric and medical care, legal advice, temporary security measures, salaries of victims and occupational retraining) • Personal accident • Business interruption • Emergency political evacuation • Product recall • Threat assessment • Child abduction.

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Legal services Infiniti Legal Sense Postal Address: PostNet Suite 248, Private Bag X3, Northriding, 2162 Phone: +27 (0)861 573 673 Web address: www.legalsense.co.za E-mail: info@legalsense.co.za FSP licence number: 35914 Insurer/risk carrier/principal: Infiniti Insurance Ltd (FSP: 35914) Product information: Infiniti Legal Sense has developed an insurance product to cater for and support SA business specifications – which

include the drafting of all business contracts, assistance with labour issues, the chairing of disciplinary hearings, the debt collection, legal advice and assistance on all business-related matters, disputes and litigation. Infiniti Legal Sense policyholders will have access to 24-hour telephonic legal advisory service, day-to-day legal assistance and commercial legal expenses insurance cover with an annual aggregate limit of indemnity of up to R250 000, for R580 per month.

Legal Exchange Corporation – LEXCorp Physical address (head office): 4 Kikuyu Road, Stokvel Place, Ground floor, Sunninghill, 2157 Phone: +27 (0)11 966 7777 Fax: +27 (0)11 234 3916 Web address: www.lexcorp.co.za E-mail: cover@lexcorp.co.za FSP licence number: 19929 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: LEXCorp is a subsidiary of Santam Limited and operates as a specialist underwriting manager for legal expense insurance. We operate an innovative and flexible business model that allows partnerships with affinity groups, retailers, financial institutions, portfolio managers, administrators and the broker market. Our core business is the development, management and distribution of legal expense insurance products and services. Legal Access is our main brand product, specially designed to provide indemnity against legal costs and expenses on a wide range of legal disputes, including personal, commercial and selected niche markets. Legal services: LEXAssist and LEXDocuments – Accessing

the correct legal information and advice is crucial. LEXAssist and LEXDocuments are divisions of Legal Exchange Corporation, dedicated to the provision of legal advice and document assistance to our policyholders. LEXAssist operates a 24-hour state-of-theart call centre manned by qualified legal personnel. As the law is dynamic and evolving all the time, our team of experienced in-house lawyers has access to an electronic law library powered by LexisNexis. Unlimited legal advice and assistance is given on a broad range of legal topics. LEXDocuments is an innovative legal drafting service that combines an experienced team of leading advocates and attorneys working hand in hand with top information technology specialists to deliver the most advanced range of document creation, compliance and legal support solutions available on the market today. Legal documents, contracts and review packages are customised to each client’s unique circumstances, and are backed by a team of experienced lawyers. Quick, reliable and convenient contracts all at a fraction of the costs traditionally associated with legal assistance services.

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Legal services, body corporate and sectional title Stilus Underwriting Managers (Pty) Ltd Physical address: Ground Floor, Corporate Place, 13 Mispel Road, Bellville, 7530 Phone: +27 (0)21 948 3585 Fax: +27 (0)21 948 4028 Web address: www.stilus-recoveries.co.za Registered Debt Collector reg. no. 0063921/13

Product information: Specialised debt collection, particularly for bodies corporate with minimum costs charged to levy defaulters. Enquiries welcomed for general debt collection at economical rates.

Leisure industry Cara-Sure (Pty) Ltd Physical address (head office): 3rd Floor, Hatfield Corner, 1101 Burnett Street, Hatfield, Pretoria, 0083 Phone: +27 (0)86 186 8765 Fax: +27 (0)86 615 2756 Web address: www.natsure.co.za E-mail: info@natsure.co.za FSP licence number: 4578 Insurer/risk carrier/principal: Guardrisk Insurance Company Product information: This scheme covers new and pre-owned leisure vehicles. The Platinum and Gold Plans cover the leisure vehicle fully comprehensive and also includes R30 000 contents cover and a CaraCARE benefit for roadside emergencies.

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Cara-Sure Pensioner This product covers new and pre-owned leisure vehicles. The prestige plan covers the leisure vehicle fully comprehensive and also includes R30 000 contents cover and a CaraCARE benefit for roadside emergencies. The status plan covers the leisure vehicle fully comprehensive only. An added benefit is that the Cara-Sure Pensioner product has no excess. The above products are administrated by Natsure (Pty) Ltd and underwritten by Guardrisk Insurance Company Ltd; both are registered financial services providers.

K-L Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM is a specialist leisure underwriter. Our focus in this area of business provides cover on (but not limited to) pedal cycles, scuba living equipment, photographic and video equipment, surfboards,

kite boards, paddle skis, kayaks, canoes, surf skis, windsurf boards, sailboards and model boats, golf clubs and other sporting equipment. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Benefits include: ∙ Competitive rates ∙ 24/7/365 call centre claims support ∙ In-house claims settlement ∙ On-site legal services. Cover includes: ∙ Cover while in use.

Livestock African Rand Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 731386, Fairland, 2030 Phone: +27 (0)11 678 1354 Fax: +27 (0)86 685 9120 Web address: www.africanrand.com E-mail: dion@africanrand.co.za FSP licence number: 5742 Insurer/risk carrier/principal: Genric Insurance Company Limited (FSP: 43638) Product information: • Herd Select provides the farmer with the broadest possible cover against death for the entire herd of animals.

• Herd Essential provides the farmer with cover against fire and lightning, with the option to extend the cover to include theft and/or accidental death. • Stud Animals ensures that stud animals are covered against death and impotency for the broadest possible risks. The best rates are applied for each specified animal. • Feedlots cover for cattle in feedlots which are used as collateral for financing purposes. Our dynamic approach enables us to tailormake the product to suite your client’s requirements.

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Ten facts about marine risks 1

The worst maritime disaster, in terms of loss of life, happened on 20 December 1987 in the Philippines when a passenger ferry collided with an oil tanker. The resulting fire and sinking left an estimated 4 341 dead.

The most significant offshore oil spill in history was caused by an explosion on an ultra-deepwater, dynamically positioned, semi-submersible offshore oil drilling rig called Deepwater Horizon, off the coast of Louisiana in the USA. An estimated 200 000 to 400 000 tonnes of oil were spilled.

The Deepwater Horizon incident cost between R19 billion and R29 billion, and caused insurance premiums for offshore oil and gas companies in the Gulf of Mexico to rise by between five and 10 per cent.

The worst oil spill in South African history happened off the coast of Saldanha Bay on 6 August 1983. The oil tanker Castillo de Bellver caught fire before breaking apart. In total, just short of 80 million gallons of oil polluted the West Coast.

The value of global trade is expected to reach R180 trillion in 2013.

According to the International Union of Marine Insurance construction order book, the total value of new building orders for shipping tankers stands at R2.8 trillion as at 1 August 2013.

South Korea and China combined account for 65 per cent of the contracting value for new build orders.

The major single cause of serious losses remains incidents occurring to the machinery and in the engine room, which account for 35 per cent of losses.

Navigation issues, such as groundings and collisions, account for almost 50 per cent of the claims in terms of numbers.

Total marine premiums in 2012 are estimated to have been around R330 billion.

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Malpractice (allied health professionals) Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

Management liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

Marine cargo Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 Web address: www.associatedmarine.co.za E-mail: mike.brews@amua.co.za FSP licence number: 3416 (Santam)

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Marine cargo (Cont.) Horizon Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2603, Pinegowrie, 2123 Phone: +27 (0)11 781 3473 Fax: +27 (0)11 781 3478 E-mail: enquiries@horizonmarine.co.za FSP licence number: 6354 Insurer/risk carrier/principal: Lombard Insurance (FSP: 1596) Product information: Horizon Underwriting Managers combines the strengths of FMA and UMS under the Lombard Insurance Company licence, resulting in almost 40 years in the local market.

We provide cover for imports and exports of cargo by all forms of transport, goods in transit, small craft, stock throughput and marine liabilities. Horizon prides itself on the application of sound underwriting principles with a focus on risk analysis and tailor-made solutions for preferred clients. Horizon has full offices in Johannesburg, Durban and added Cape Town to our branch network in 2013; each office boasts highly experienced staff.

Transit Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 291, Century City, 7446 Physical address (head office): 11th Floor, 2 Long Street, Cape Town, 8001 Phone: +27 (0)86 111 3597 Fax: +27 (0)86 111 3655 Web address: www.tum.co.za E-mail: tum@tum.co.za FSP licence number: 20480 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148)

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Product information: Specialising in marine and transit insurance, we cover: • Imports and exports • Goods in transit • Stock throughput • Pleasure craft and hull insurance • Household goods and personal effects • Advance loss of profits/Increase cost of working • Container liability • Carriers liability.

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Marine Risks Astra Maritime Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 1761, Cramerview, 2060 Phone (head office): +27 (0)11 513 5000 Fax (head office): +27 (0)11 513 5026 Web address: www.astra-maritime.co.za E-mail: stevenf@astra-maritime.co.za FSP licence number: 5008 Insurer/risk carrier/principal: Hollard Insurance Company (FSP: 17698) Product information: Marine cargo – for imports and exports. Stock-throughputs – marine imports, storage and distribution risks under one policy. Goods in transit – within South and Southern Africa by road or rail.

Advance loss of profits – following a marine peril. Ideal for projects and new/upgraded production lines. Commercial hull – in particular fishing vessels, diamond recovery vessels and local coastal vessels. Marine liabilities – ship repairers, stevedores, charterers and marina operators. We offer a strong and experienced team able to efficiently handle complex claims with a proven track record with the same insurers since 1997.

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Marine Risks (Cont.) Cross Country Insurance Consultants (Pty) Ltd Physical address (head office): 253 Smit Street, Fairlands, 2195 Phone: +27 (0)11 215 8800 Fax: +27 (0)11 476 8205 Web address: www.ccic.co.za E-mail: info@ccic.co.za FSP licence number: 39547 Insurer/risk carrier/principal: Renasa Insurance Company Limited Product information: Marine Explorer – watercraft with or without trailer can be covered on a stand-alone basis. Territorial limits: inland – Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania and Zimbabwe; coastal – Mozambique, Namibia and Republic of South Africa extends to 50 nautical miles offshore.

Watercraft up to R2 500 000 can be insured; third party and passenger liability including water skiers; repatriation of vessel and trailer outside Republic of South Africa following accident or breakdown; damage to machinery by flotsam. Settlement basis on small craft within first four years of registration – new replacement basis; settlement basis on inflatables at current market value irrespective of the age of the vessel. We also offer medical emergency evacuation for skipper and occupants and emergency roadside assistance in Republic of South Africa. Cross Country now offers a complete personal lines package.

Devereux Marine cc Physical address (head office): 18 Orchard Heights, Newlands, 7700 Phone: +27 (0)21 671 6612 Fax: +27 (0)21 671 1308 E-mail: sues@mweb.co.za FSP licence number: 446

Insurer/risk carrier/principal: Lloyd’s of London Product information: Hull and cargo underwriters for Lloyd’s of London

Horizon Underwriting Managers (Pty) Limited Postal address (head office): PO Box 2603, Pinegowrie, 2123 Phone: +27 (0)11 781 3473 Fax: +27 (0)11 781 3478 Web address: www.horizonmarine.co.za E-mail: info@horizonmarine.co.za FSP licence number: 6354 Insurer/risk carrier/principal: Lombard Insurance Company Limited (FSP: 1596)

market. We provide cover for imports and exports of cargo by all forms of transport, goods in transit, small craft, stock throughput and marine liabilities.

Product information: Horizon Underwriting Managers combines the strengths of FMA and UMS under the Lombard Insurance Company licence, resulting in almost 40 years in the local

Horizon has full offices in Johannesburg, Durban and added Cape Town to our branch network in 2013; each office boasts highly experienced staff.

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Horizon prides itself on the application of sound underwriting principles with a focus on risk analysis and tailor-made solutions for preferred clients.

M-O Marine Underwriting Managers (Pty) Ltd Physical address (head office): The Sharaf House, 2 Sinembe Crescent, Sinembe Park, La Lucia Ridge, Durban, 4051 Phone: +27 (0)31 584 2800 Fax: +27 (0)31 584 2802 Web address: www.marineuma.com E-mail: potgieterd@marineuma.com or sewbalash@marineuma.com FSP licence number: 37167 Insurer/risk carrier/principal: Guardrisk Insurance Company and Lloyd’s of London

Product information: Marine Insurance – We write hull personal lines (private pleasure use and skipper charter), cargo insurance (import/ export), marine stock throughput insurance; goods in transit (GIT). Our expertise extends to include risk retention (cell captive) and seamless risk financing solution.

Navigate Underwriting Managers (Pty) Ltd Physical address (head office): Nautica House, Offices 2B, 105 Leslie Avenue, Fourways, 2055 Phone: +27 (0)861 826 007 Fax: +27 (0)861 775 777 Web address: www.navigateum.com E-mail: info@navigateum.com FSP licence number: 43993 Insurer/risk carrier/principal: Mutual & Federal Risk Financing Ltd

Product information: Marine Underwriting Agency in partnership with Mutual & Federal Risk Financing Ltd. Navigate provides intermediaries with a facility for marine cargo, stock throughput, goods in transit, boat builders’ risks, market leaders in watercraft cover from jet skis to motor and sailing yachts.

Vanguard Marine & Leisure Postal address (head office): PostNet Suite 388, Private Bag X1, Northcliff, 2115 Phone: +27 (0)86 100 1135 Fax: +27 (0)11 431 0394 Web address: www.vanguardinsurance.co.za E-mail: bradley@vanguardinsurance.co.za FSP licence number: 39216 Insurer/risk carrier/principal: Infiniti Insurance Ltd (FSP: 35914) Product information: Vanguard Marine & Leisure is an underwriting manager specialising

in providing insurance solutions to the broking fraternity via the insurance broker market. The product offering begins with insurance for watercraft and includes optional cover for the full rig being the tow vehicle, trailer/caravan and specified all risks items. Liability cover is provided over both the craft, trailer and motor sections. Our aim is to provide the insured with the peace of mind that consistent cover is maintained for the rig whether at home, in transit or while on the water.

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Marine and special risks Associated Marine Postal address (head office): PO Box 55182, Northlands, 2116 Phone: +27 (0)11 912 8000 Fax: +27 (0)11 268 0269 Web address:www.associatedmarine.co.za E-mail: mike.brews@amua.co.za FSP licence number: 3416 (Santam) Product information: Land, sea and air – we’ve got you covered, providing wider, flexible cover for all your marine insurance needs. Whether it’s marine cargo, goods in transit, marine hull or marine liabilities – we’ve got it covered. Tri-Marine Acceptances (Pty) Ltd Postal address (head office): Unit C6, Westlake Square, 1 Westlake Drive, Tokai, 7945 Phone: +27 (0)21 701 7912 Fax: +27 (0)21 701 7912 Web address: www.trimarine.co.za E-mail: marinesa@iafrica.com FSP licence number: 44286 Insurer/risk carrier/principal: Infiniti Insurance Limited (FSP: 35914)

Product information: We offer the following products: Marine cargo – imports/exports and goods in transit, marine stock throughput, commercial hull and pleasure craft marine liabilities Tri-Marine Acceptances has national representation, with offices in both the Western Cape and Gauteng.

Medical malpractice insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

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Medical malpractice insurance

(Cont.)

General & Professional Liability Acceptances Postal address (head office): PO Box 2667, Fourways, 2055 Phone: +27 (0)11 706 0911 Fax: +27 (0)86 505 9712 E-mail: dcampbell@gpla.co.za or rhunter@gpla.co.za FSP licence number: 3664 Insurer/risk carrier/principal: Lloyd’s of London Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover to medical practitioners, allied healthcare practitioners and healthcare organisations.

GPLA provides professional indemnity cover to the following professionals: • Architects • Attorneys • Consulting engineers • Quantity surveyors • Project managers • Insurance brokers • Land surveyors • Loss adjusters • Tech PI • Miscellaneous PI.

Metal risks Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Phone: +27(0)861 322 463/ +27(0)11 615 1640 Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138 Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. F&I’s risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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Misappropriation of trust funds insurance Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of its products include: directors’ and officers’

Motor acceptances Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Web address: www.sha.co.za Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

controlled commercial fleets • Self-insured fund protection (aggregate deductible) • Own damage and third party • Cleanup and spillage costs including pollution • Fare-paying passenger liability • Excess of loss passenger liability • Excess of loss motor liability • Numerous extensions at no extra cost.

Product information: Motor fleet and motor third party liabilities product • Risk-

Motor fleet African Motor Underwriters Postal address (head office): PO Box 2847, Parklands, 2121 Phone: +27 (0)11 447 4653 Fax: +27 (0)11 788 8362 Web address: www.amu.co.za FSP licence number: 1041

Product information: We are a longestablished Lloyd’s UMA and underwrite all types of motor risks (except private motor) including large corporate fleets, HCVs and small commercial risks. We also underwrite motor traders risk and GIT for our trucking clients.

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Motor fleet (Cont.) HIC Underwriting Managers (Pty) Ltd Physical address (head office): Eastwood Office Park, 11b Riley Road, Bedfordview, 2007 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Web address: www.hicsa.co.za E-mail: info@hicsa.co.za FSP licence number: 5072

Insurer/risk carrier/principal: Guardrisk Insurance Company Limited Product information: Our motor fleet product allows us to design the perfect programme for your client with options of aggregates, stop losses and deposit premiums.

transportation insurance. Cover is available for owner-drivers, small fleet and certain large fleet that operate locally and in an intermediate and long-haul radius. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • Accident scene management • On-site legal services • Heavy commercial vehicles can be insured for either market or retail value. Cover includes: • Fire extinguishing charges • Locks and keys • Third party liability • Towing charges • Windscreen • Wreckage removal. Optional cover: • Credit shortfall • Deposit protector • Downtime/loss of use • Excess reducers.

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M-O Motor Acceptances Postal address (head office): PO Box 412301, Craighall, 2024 Phone: +27 (0)11 781 7939 Fax: +27 (0)11 781 7940 E-mail: grant@motoracceptances.co.za FSP licence number: 12118

Insurer/risk carrier/principal: Compass Insurance (FSP: 12148) Product information: Specialists in motor fleet insurance.

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Motor fleet (Cont.) Paladin Underwriting Managers Postal address (head office): PO Box 613, Rondebosch, 7701 Phone: +27 (0)21 686 7270 Fax: +27 (0)86 559 7283 Web address: www.paladin.co.za E-mail: peter@paladin.co.za FSP licence number: 5069 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited Product information: Paladin Underwriting Managers provides motor policies for commercial ventures written on a fleet

or specified basis, with a choice of flat conventional, aggregate excess, or burning cost placements. Products are tailored for commercial motor fleets which can include car and bakkie rental companies, but exclude taxis and driving schools. Road assist products are now automatically added to the basic motor policy. Heavy haulage business is generally underwritten on a self-funded programme with an aggregate excess and/or stop loss protection.

Motorcycles and quad bikes Cross Country Insurance Consultants (Pty) Ltd Physical address (head office): 253 Smit Street, Fairlands, 2195 Phone: +27 (0)11 215 8800 Fax: +27 (0)11 476 8205 Web address: www.ccic.co.za E-mail: info@ccic.co.za FSP licence number: 39547 Insurer/risk carrier/principal: Renasa Insurance Company Limited Product information: Dirtsure provides comprehensive cover including full off-road use for dual sport, dirt bikes and quad bikes â&#x20AC;&#x201C;

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replacement of bike within first 12 months of registration. Territorial limits: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. Racing risks at an approved MSA or WOMZA event for dirt bikes only; repatriation following accident or breakdown; medical emergency evacuation services in Botswana, Lesotho, Mozambique, Namibia, Republic of South Africa, Swaziland and Zimbabwe.

M-O Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM is a specialist motorcycle underwriter. Our core focus in this area includes superbikes, quad- and off-road motorcycles, as well as cruisers and dual purpose motorcycles. Cover is also provided ancillary items such as clothing and riding apparel, where required. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services • Rates for BMWs, Harley Davidsons and Tourers • Motor cycles can be insured for either market or retail value • Collection of the motor cycle before repair • Delivery of motor cycle after repairs have been completed. Cover includes: death benefit cover; emergency hotel expenses; fire extinguishing charges; locks and keys; towing charges; transit; trauma; third party liability Optional cover: credit shortfall; personal accident.

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Motorcycles and quad bikes Tradesure Commercial Specialists and Tradesure Truck and Marine Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address www.tradesure.co E-mail: david@tradesure.co.za.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited. Product information: Tradesure insures your client, period.

Motor – niche/special requirements Chartered Auto Underwriting Agency (Pty) Ltd Physical address (head office): 59 East Hertford Raod, Bryanston, 2191 Phone: +27 (0)86 100 2282 Fax: +27 (0)86 100 2283 Web address: www.caua.co.za E-mail: info@caua.co.za FSP licence number: 13234 Product information: Chartered Auto Underwriting (Pty) Ltd underwrites car and vehicle rental insurance as a stand-alone product on motor vehicle policies for brokers.

Empire Insurance Administrators Physical address (head office): 35 Felixstowe Street, Sasolburg, 1947 Phone: +27 (0)861 055 505 Fax: +27 (0)86 693 7851 Web address: www.empirefleet.co.za E-mail: erica@empirefleet.co.za FSP licence number: 38321 Insurer/risk carrier/principal: Hollard Insurance Company Product information: Car rental in the event of accident, theft and hijacking.

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Empire Insurance Administrators (EIA) focuses solely on the insurance replacement market. We are authorised to provide both advice and intermediary services in Category 1, short-term insurance personal lines and commercial lines and our dedicated account managers have all successfully completed both RE 1 and RE 5. We provide innovative tailor-made insurance solutions, and packages at very competitive rates.

M-O Genric Automotive Underwriting Managers (Pty) Ltd Postal Address: PO Box 1115, Bromhof, 2154 Telephone: +27 (0)86 001 8111 Fax: +27 (0)86 218 9311 Web address: www.genricautomotive.co.za E-mail: info@genricautomotive.co.za FSP licence number: Juristic representative of Genric Insurance Company Limited Insurer/principal: Genric Insurance Company Limited (FSP: 43638)

Gap Assist Designed to give additional financial support where an existing manufacturer or aftermarket warranty does not provide adequate cover. For example, a warranty has a limit of R15 000 on the repairs of a gearbox, but the repairs cost R19 000. GAP Assist will pay the difference. However, the cover is limited to a maximum amount dependent on the component covered.

Product information: Restore Interior Protect Nothing smells as good as the interior of a new vehicle, but that won’t last forever. Our product protects your interior from incidental accidental damage

Autobody Warranty To keep a vehicle in pristine condition is no mean feat. Our product will assist you with the expense of repairing dents, scratches and more.

Mechanical Warranty More often than not various components of a car can fail without warning. Our product protects you against the cost of certain mechanical and electrical failures.

Tyre and Rim Warranty Tyres and rims can easily get damaged from a multitude of causes. Our product protects you from the costs related to the repair of such unforeseen damage.

Hamba Kahle Underwriting Managers Physical address (head office): 1 Hampton Court, Countesses Avenue, Randburg, 2194 Phone: +27 (0)11 792 6855 Fax: +27 (0)11 791 1260 Web address: www.hamba-kahle.co.za E-mail: natalie@hamba-kahle.co.za FSP licence number: 40764 Insurer/risk carrier/principal: Centriq Insurance Innovation

want to provide select brokers with owner driver insurance products that encompass a winning combination of competitive terms and conditions, quick, professional claim service and a customised range of insurance products. When your clients insure with Hamba Kahle, you can rest assured that you are dealing with insurance professionals that know the owner driver insurance industry.

Product information: Hamba Kahle Underwriting Managers (Pty) Ltd offers specialist short-term insurance solutions specifically for the owner driver transport industry.

We have the expertise and experience required to tailor make insurance packages for any owner driver scheme.

Our name, Hamba Kahle means ‘go well’, which embodies everything we stand for. We

We specialise in creating products for selected brokers that want an edge in this niche market.

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Policy Provider Underwriting Managers Postal address (head office): PO Box 654, Hyper by the Sea, 4053 Phone: +27 (0)31 566 2322 Fax: +27 (0)31 566 2374 Web address: www.i-cycleinsurance.co.za E-mail: sean@policyprovider.co.za FSP licence number: 43569 Insurer/risk carrier/principal: Saxum Insurance (FSP: 32460) Product information: LCVSure: LCVSure accommodates the small to mediumsized business whose primary requirement is to insure bakkies. The product includes free GIT and tools cover for each bakkie covered on the policy.

We specialise in courier companies, small delivery contractors, tow trucks, building contractors and general purpose commercial bakkies up to five tons. The policy can include office contents, business all risks, electronic equipment, additional GIT and tools. Bakkie hire is also available on the policy, as is excess buybacks. StayMobile: StayMobile is an add-on or stand-alone product that gives the client the assurance of being mobile in the event his vehicle is stolen, has an accident, third party insurer cover has been utilised or in the case where their car has to be serviced. The product can be added on to a domestic lines policy or commercial. Cover for 15 to 45 days depending on option taken PotholeSure PotholeSure is a unique product that offers comprehensive cover on damage caused by potholes. The product is made up of a VAP which can slot in to a policy or be sold as a stand-alone. The cover is R5 000 per rim and tyre for two rims and tyres. There is also an option to increase cover. This is available on request.

Roadcom TopTrans (Pty) Ltd Physical address (head office): 31a Arterial Rd West, Oriel, Bedforview, Johannesburg, 2008 Phone: +27 (0)11 622 0142 Fax: (0)86 504 5033 Web address: www.roadcom.co.za E-mail: tammy@roadcom.co.za FSP licence number: 37014 Insurer/risk carrier/principal: Guardrisk Insurance Company

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Product information: Roadcom TopTrans (Pty) Ltd is a registered financial services provider with an underwriting arrangement with Guardrisk Insurance Company Ltd. We specialise in the niche market for HCVs, special type, trailers, LDVs and PMVs. Theft, hijack, own damage excess and TP excess. Penalty excess, e.g. night driving, foreign driver, driver age. Loss of income, credit shortfall, deposit protector, hazchem pollution excess top towing, goods in transit excess.

M-O X’S Sure (Pty) Ltd Postal address (head office): PO Box 511565, Wierda Park, 0157 Phone: +27 (0)86 001 8140 Web address: www.xssure.co.za E-mail: danny@xssure.co.za FSP licence number: 21101 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP: 75) Product information: Value-added products company. Vehicle excess buydown/waiver, tyre insurance, chips, dents and scratches, geyser insurance, ID theft insurance.

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· Road Accident Fund limits are low, difficult to access and take a long time to pay out. EnRoute offers immediate relief and is not subject to contribution. ·

EnRoute also provides legal assistance with Road Accident Fund claims through membership of Road Cover.

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Motor-Small Area Repair Genric Automotive Underwriting Managers (Pty) Ltd Postal Address: PO Box 1115, Bromhof, 2154 Telephone: +27 (0)86 001 8111 Fax: +27 (0)86 218 9311 Web address: www.genricautomotive.co.za E-mail: info@genricautomotive.co.za FSP licence number: Juristic representative of Genric Insurance Company Limited Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Restore Interior Protect: Nothing smells as good as the interior of a new vehicle, but that won’t last forever. Our product protects your interior from incidental accidental damage

Mechanical Warranty More often than not various components of a car can fail without warning. Our product protects you against the cost of certain mechanical and electrical failures. Gap Assist Designed to give additional financial support where an existing manufacturer or aftermarket warranty does not provide adequate cover. For example, a warranty has a limit of R15 000 on the repairs of a gearbox, but the repairs cost R19 000. GAP Assist will pay the difference. However, the cover is limited to a maximum amount dependent on the component covered. Autobody Warranty To keep a vehicle in pristine condition is no mean feat. Our product will assist you with the expense of repairing dents, scratches and more. Tyre and Rim Warranty Tyres and rims can easily get damaged from a multitude of causes. Our product protects you from the costs related to the repair of such unforeseen damage.

Small Area Repair Technology Underwriting Managers (Pty) Ltd t/a Smart Postal Address (head office): PO Box 265458, Three Rivers, Vereeniging, 1935 Phone: +27 (0)16 454 2000 Fax: +27 (0)16 423 7032 Web address: www.smartuma.co.za E-mail: info@smartuma.co.za FSP licence number: 9861 Insurer/risk carrier/principal: Hollard Insurance (FSP: 17698) Product information: Smart is a revolutionary product that covers minor dents and scratches, allowing clients to keep their vehicle in excellent

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condition without denting their no-claim bonus. Everyday wear and tear not only decreases the value of a vehicle, but also becomes unsightly over time if not maintained. • Customised to your needs, affordable and easy to use – this plan is simply smart. • Claim as often as needed without excess. • No negative impact on your client’s no-claim bonus. • Superior finish that will ensure excellent resale value. • Quality body shops and mobile repairs. • Professional administration and claims centre.

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Motor traders Auto Trade Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 21427, Helderkruin, 1733 Phone: +27 (0)11 764 3839 Fax: +27 (0)11 764 3543 Web address: www.atu.co.za E-mail: atu@atu.co.za FSP licence number: 5232

Product information: ATU specialises in commercial insurance risks associated with the motor trade industry and provides specialist and tailor-made cover solutions in this regard.

Target market • Fitment centres • Motor retailers • Motor traders • Motor vehicle repairers • Windscreen repairers and installers.

Product information: We are a one-stop shop for comprehensive business insurance for all classes of the motor trade.

Optional cover available: • Business interruption • Electronic equipment • Fidelity • Fire • Lifts and hoists • Money • Motor • Motor internal risk • Motor external risk • Public liability • Theft of motor vehicles in the open.

Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services.

Key benefits • Transit, delivery and convoy cover available.

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Motor traders Tradesure Commercial Specialists and Tradesure Truck and Marine Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co.za E-mail: david@tradesure.co.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited. Product information: Tradesure insures your client, period.

Motor vehicle personal accident cover Flexible Accident and Sickness Acceptances (Pty) Ltd Postal address (head office): PO Box 1112, Houghton, 2041 Phone: +27 (0)86 132 7222 Fax: +27 (0)11 643 5536 Web address: www.enroute.co.za E-mail: maria@fasacc.co.za FSP licence number: 9133 Insurer/risk carrier/principal: Hollard (FSP: 17698)

any other insurance or Road Accident Fund cover. Any injured person or persons will receive the full benefit chosen.

Product information: Enroute in-car insurance provides cover for any occupant of a specified vehicle whether the vehicle itself is insured or not. The payment of benefits is independent of

Extensions: • Disappearance and exposure to elements following an accident • Hijacking and trauma counselling.

Includes: • Death • Permanent total disability • Temporary total disability • Medical expenses.

Vehicle Injury Protection (Pty) Ltd Phone: +27 (0)21 872 8782 Web address: www.vipinsure.co.za E-mail: info@vipinsure.co.za Insurer/risk carrier/principal: Infiniti Insurance Ltd (FSP: 35914) Product information: VIP offers a neat, efficient and very satisfactory solution to the problem posed by the amendments to the Road Accident Fund Act.

A single lump sum payment of up to R500 000 for loss of earnings suffered by the policyholder as a result of temporary or permanent disability caused by bodily injuries sustained in a motor accident. A single lump sum payment of up to R500 000 for loss of support suffered by dependants, as a result of the death of the policyholder. A bereavement benefit of R10 000 as a result of the death of the policyholder from any cause whatsoever.

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Specialist in agreed value motor insurance

A DIVISION OF RENASA INSURANCE COMPANY LIMITED Renasa Insurance Company Limited, IVP Division Contact Details: Tel (011) 380 3195 • Fax (011) 380 3080 Renasa House, 170 Oxford Road, Melrose, Johannesburg • P.O. Box 412072, Craighall 2024, Johannesburg ivp-uma@renasa.co.za • www.ivp-uma.co.za FSP License Number 15491

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Motor warranties/Mechanical breakdown Impac Underwriting Managers (Pty) Ltd Physical address (head office): Stone House, 510 Makou Street, Monument Park, Pretoria, 0181 Phone: +27 (0)87 943 4973 Fax: +27 (0)86 572 1992 Web address: www.impacrisk.co.za E-mail: hennie@impacrisk.co.za

FSP licence number: 12922 Insurer/risk carrier/principal: saXum Insurance Limited Product information: Motor mechanical and retail warranties as well as scratch and dent products.

Genric Automotive Underwriting Managers (Pty) Ltd Postal Address: PO Box 1115, Bromhof, 2154 Telephone: +27 (0)86 001 8111 Fax: +27 (0)86 218 9311 Web address: www.genricautomotive.co.za E-mail: info@genricautomotive.co.za FSP licence number: Juristic representative of Genric Insurance Company Limited Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Restore Interior Protect: Nothing smells as good as the interior of a new vehicle, but that won’t last forever. Our product protects your interior from incidental accidental damage Mechanical Warranty: More often than not various components of a car can fail without warning. Our product protects you against

the cost of certain mechanical and electrical failures. Gap Assist: Designed to give additional financial support where an existing manufacturer or aftermarket warranty does not provide adequate cover. For example, a warranty has a limit of R15 000 on the repairs of a gearbox, but the repairs cost R19 000. GAP Assist will pay the difference. However, the cover is limited to a maximum amount dependent on the component covered. Autobody Warranty: To keep a vehicle in pristine condition is no mean feat. Our product will assist you with the expense of repairing dents, scratches and more. Tyre and Rim Warranty: Tyres and rims can easily get damaged from a multitude of causes. Our product protects you from the costs related to the repair of such unforeseen damage.

Niche disability FMI Postal address (head office): PostNet Suite 91, Private Bag X01, Umhlanga Rocks, 4320 Phone (head office): +27 (0)860 10 11 19 Fax (head office): +27 (0)31 502 5250 Web address: www.fmi.co.za E-mail: fmiclientcare@fmi.co.za FSP licence number: 2717 Insurer/risk carrier/principal: Financial Management International Pty Ltd, underwritten by Lombard Life Ltd

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Product information: We believe an income stream is the cornerstone of financial security and an individual’s ability to earn their income is the single most important thing to insure. That’s why we quickly and seamlessly provide sustainable cover that is tailored to the individual needs of our clients, without unnecessary jargon or red tape. Our income protection offerings ensure that, no matter what our clients face, their income is not at risk.

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Niche gap cover Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Phone: +27 (0)87 232 8860/ +27 (0)87 232 8560 Fax: +27 (0)86 620 0174 Web address: www.acaselect.co.za E-mail: leon@acaselect.co.za francois@acaselect.co.za FSP licence number: 39835 Product information: Turtle Cover – this policy has been designed to ensure that you are not left with a gap in cover and are short paid when you have a loss under which your existing policy covers only a limited or restricted amount under the various extensions of your current shortterm insurance policy. Turtle Cover is a new, innovative and exciting product in which we seek to avoid or reduce your risk of having or finding yourself being short paid due to your underlying policy only providing cover for a reduced or restricted value. Turtle Cover provides additional value by paying the claim shortfall, subject to certain limits and cover options that you have selected. Product details and broker packages are available.

Turtle Cover specialises in providing protection from the unforeseen policy limitations against which we usually expect policies to cater for. Cover for: • Where average has been applied to a claim under householders and house owners. • Where your policy extensions do not cover your full loss, and you are short paid on your claim. • All risk: ‘I forgot’ cover for items where clients have forgotten to add specified items to their policy. • Pothole cover: Tyre damage following pothole collision. • Gap cover: Most forms of gap cover where your existing limits or cover periods are exhausted. This is a must-have product for brokers seeking to ensure client retention and to avoid conflict when the expected pay out result is not achieved under the underlying policy. Turtle Cover attaches to and follows any underlying policy and can be taken as a stand-alone cover. Professional and broker Turtle Cover.

Health and Accident Underwriting Managers (Pty) Ltd Physical address (head office): 22 Stiglingh Rd, Rivonia, 2128 Phone: +27 (0)11 234 7333 Fax: +27 (0)86 605 5859 Web address: www.healthacc.co.za E-mail: ahofman@healthacc.co.za FSP licence number: 376 Insurer/risk carrier/principal: Compass Insurance Company Limited Product information: H & A operates in the gap cover market. We offer gap cover, via the broker market, which covers

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the shortfall in fees charged by doctors/ specialists for in-hospital costs. We also offer gap cover which includes in-hospital co-payments. The gap cover product includes various extended benefits, including cover for internal prosthesis, trauma counselling and multiple other valuable benefits. We only operate via the broker market and do various exclusive gap cover schemes and customise certain gap cover benefits to suit the needs of the broker client.

XXXXXXX

Ten facts about renewable energy 1

The first modern wind turbine was built in Vermont in the early 1940s.

As of 2011, hydropower represents the largest contributor to renewable energy, accounting for 16 per cent of global power generation.

Germany is the largest solar electricity power generator in the world. It has installed as much solar capacity as the rest of the world combined.

Icelandâ&#x20AC;&#x2122;s energy generation mix consists of 75 per cent hydropower with the remaining 25 per cent made up of various other renewables, no combustion in sight.

An average wind speed of 22 km/h is needed to convert wind into energy.

The South African Government has instituted the Integrated Resource Plan in 2010, which is a 20-year projection of energy demands and production. The plan states 42 per cent of energy production must come from renewable resources in the next 20 years.

Enough sunlight falls on the Earthâ&#x20AC;&#x2122;s surface every hour to meet world energy demand for an entire year.

The largest concentrated solar power plant in the world is located in the Mojave Desert in California.

One wind turbine can produce enough electricity to power 300 homes.

The largest wind turbine in the world, located in Hawaii, stands 20 storeys tall and each blade is 100 metres long.

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Pension fund trustees’ liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of its products include: directors’ and officers’ liability, employment practices liability, pension fund trustees’ liability, general liability, commercial crime, professional indemnity, body corporate trustees, clinical trials, directors’ and officers’ professional indemnity, fidelity guarantee for financial institutions, medical malpractice for medical establishments and practitioners, and cyber liability.

Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

Performance guarantees Firedart and Construction Guarantee Postal address (head office): PO Box 11653, Randhart, 1457 Phone: +27 (0)11 833 1400 Fax: +27 (0)11 867 2816 Web address: www.fdcg.co.za E-mail: info@fdcg.co.za FSP licence number: 40536 Insurer/risk carrier/principal: Compass Insurance Company LImited (FSP: 12148) Product information: Firedart & Construction Guarantee (Pty) Ltd provides a variety of products that cater for the engineering/ construction sector including contracts all works, erection all risks, plant all risks, machinery

breakdown, including business interruption and deterioration of stock, works damage. Firedart & Construction Guarantee (Pty) Ltd also specialises in construction guarantees/ sureties and can structure a tailor-made solution to cater to unique requirements. Products: Engineering: Contract works, plant all risks, machinery breakdown, business interruption, deterioration of stock, works damage, electronic equipment. Guarantees/sureties: Bid/tender bonds or letters of intent, advance payment guarantees, performance guarantees, retention guarantees.

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PERFORMANCE GUARANTEES Offers a comprehensive suite of guarantee products

A DIVISION OF RENASA INSURANCE COMPANY LIMITED Renasa Insurance Company Limited, Performance Guarantees Division Contact Details: Tel (031) 566 3337 • Fax (031) 566 4864 2nd Floor, Gateway Auto City, Jubilee Grove, Umhlanga Rocks • P O Box 1423 Umhlanga Rocks 4320 guarantees@renasa.co.za • www.renasa.co.za Registration No. 1998/000916/06 • FSP License Number: 15491

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Performance guarantees (cont.) Refine Underwriting Managers (Pty) Ltd Postal address: PostNet Suite 221, Private Bag X75, Bryanston, 2021 Phone (head office): + 27 (0)11 519 5355/+27 (0)861 REFINE Fax (head office): +27 (0)86 610 4889 Web address: www.refine-um.co.za E-mail: jean@refine-um.co.za FSP licence number: 20395 Insurer/risk carrier/principal: Zurich Insurance Company South Africa Limited (FSP: 17703)

Personal accident Flexible Accident and Sickness Acceptances (Pty) Ltd (FASA) Postal address (head office): PO Box 1112, Houghton, 2041 Phone: +27 (0)86 132 7222 Fax: +27 (0)11 643 5536 Web address: www.fasacc.co.za E-mail: miked@fasacc.co.za FSP licence number: 9133 Insurer/risk carrier/principal: Hollard (FSP: 17698) Product information: FASA provides corporations with tailor-made personal accident cover, such as accidental death, permanent and temporary disability and medical expenses, as well as specialised products to unions, motor fleets and schools.

Includes: • Cover following accidental injury • Death, disability or medical expenses within 24 months after accidental bodily injury • 24-hour worldwide cover • Scale of benefits for permanent total disablement • Permanent total disablement preventing the insured from employment or any other occupation for which they are suited • Temporary total disablement in addition to capital benefits • Age limits from 15 to 70 years of age (older employees assessed on merits). Extensions: • Disappearance • Disfigurement (not limited to burns) • Funeral costs • Rehabilitation costs • Mobility costs • Body transportation costs • Emergency transportation costs. Optional extensions: • Temporary total disablement following illness • Dread disease cover • Daily hospital cash benefits as a result of accident or illness • Trauma • Unusual risks.

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P-R Praesidio Risk Managers (Pty) Ltd Postal address (head office): PO Box 3337, Cramerview, 2060 Phone: +27 (0)11 521 4056 Fax: +27 (0)11 521 4002 Web address: www.praesidio.co.za E-mail: andrew@praesidio.co.za FSP licence number: 14174 Product information: • Group personal accident/stated benefits: Our core benefits include accidental death, permanent and temporary disability, medical expenses, critical illness and loss of income. Types of risk we cover: South African corporations of all sizes, mining, security guards, oil rigs, hunting and film crews. • Aviation personal accident: This facility provides pilots and crew with accidental death, permanent and temporary disability

and medical expenses. Cover can be purchased for an individual pilot and can include passengers. • HIV+ needlestick cover: Covering medical professionals for accidental HIV exposure treatment and a lump sum upon positive HIV conversion. • Extreme risk personal accident: We provide up to R1 000 000 in the case of accidental death and disability while participating in any activity deemed to be extreme, such as skydiving, bungee jumping, mountaineering, white-water rafting, yachting, cave diving and skin diving. Praesidio Risk Managers offers highly specialised and niche personal accident and healthcare insurance to our clients through our broker network. Our tribunalisation with Lloyd’s of cont 

Flexibility and innovation, matched with sound underwriting to each product, risk and benefit.  a leader in Group Personal Accident Insurance offers many additional extensions at little or no additional cost. Stand alone benefits, aggregate excesses and other variations to conventional GPA cover and pricing can be accommodated.



In addition to our flexible GPA products, talk to us about our innovative and varied individual personal accident covers.

 0861 FASA CC / 0861 3272 22  021 555 4700 Reg. No 1992/005557/07 An authorised Financial Services Provider (FSP 9133)

Underwriting Managers for Hollard Insurance Company Limited (Reg.No 1952/003004/06)

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London in 2003 put us in the position to provide coverage and capacity not readily available in our local market. We maintain a relationship of excellence with our underwriters that enhances our flexibility to accommodate our brokers on each and every risk.

In addition to personal accident, Praesidio also has access to specialist niche insurance products such as kidnap and ransom, professional sports personal accident, key man, political evacuation and contingency insurance.

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We can write on a multiple of salary basis or on a capital fixed sum insured basis. We can provide cover on a 24-hour basis or on a restricted occupational related risk basis. We can provide cover for accidental death, accidental permanent disability, temporary total disability (accident and serious illness), medical expenses, hospitalisation daily benefits, bereavement benefit of up to R18 000 per employee, serious illness lump sum benefits. We will look at aggregate excess and deposit premium structures to suit your client.

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Personal lines Ad Ultimum Outsourcing (Pty) Ltd Postal address (head office): PO Box 9857, Centurion, 0046 Phone: +27 (0)12 345 5052 Fax: +27 (0)12 345 2676 Web address: www.adultimum.co.za E-mail: info@auo.co.za FSP licence number: 8273 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: Ad Ultimum provides affordable, tailor-made products for individuals and/or groups. Personal lines: • All personal effects • All risk cover for the contents of the house • Full subsidence and landslip cover for house contents and house owners • Personal accident cover for existing clients over 70 years, until the policy lapses/cancels • Trauma cover after armed robbery or attempt threat. Extensions: • Extended personal accident • Mechanical and electrical breakdown of household goods • Stand-alone or part of package cover for breast cancer and HPVrelated cancers • Motor hire, top-up, excess waiver under the motor section • Extended personal liability (PLIP). Add-ons: • Roadside assistance for mechanical and electrical breakdowns or when a collision

has occurred • 24-Fix: an appliance and household repair service to home owners. Commercial insurance: General commercial insurance for small, medium and large type of business ventures. Through Ad Ultimum Outsourcing (Pty) Ltd, short-term insurance brokers can become the irreplaceable and most important link between the policyholder and the insurance underwriter. Ad Ultimum is a short-term insurance outsourcing company that manages the underwriting, claims and administration in respect of personal lines, commercial insurance and group schemes through efficient insurance systems. Ad Ultimum can provide a comprehensive all-round service to brokers and underwriters to ensure they have a competitive advantage. Our main objective is to assist companies to function more independently and to be able to have sufficient control on all levels. Independence and control imply the ability to keep accurate records, statistics, facts and figures as well as collection of premiums directly from policyholders. We provide an Internet-based insurance solution utilising browser technology. The solution facilitates access via both the Internet and the traditional digital data networks.

Anchor Risk Management (Pty) Ltd Physical address (head office): 95 Dely Road, Ashlea Gardens, Pretoria Phone: +27 (0)12 425 0060 Fax: +27 (0)12 460 6062 Web address: www.anchorisk.co.za E-mail: manage@anchorisk.com FSP licence number: 14183

Insurer/risk carrier/principal: Saxum Insurance, Zurich, Santam Product information: Anchor Risk Management (Pty) Ltd endeavours to distinguish itself from competition on service levels. Customer service to the short-term insurance cont 

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brokers and their clients is our priority and our biggest area of performance. Linked to this is effective risk management to ensure sustainable profits to the insurer. Entrust your portfolio to Anchor Risk Management and you will excel your business to yet another level of excellence.

From us you will receive the support to complement your efforts in achieving your goal. Anchor Risk Management will manage your portfolio on short-term insurance for personal lines, commercial lines and agri business.

Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 Web address: www.aum.co.za E-mail: raksm@aum.co.za/ laurag@aum.co.za FSP licence number: 35916 Insurer/risk carrier/principal: The Hollard Insurance Company Limited (FSP: 17698) Product information: U•NIQUE Elite for high net worth clients – A specifically designed, tailor-made U•NIQUE product for affluent clients. The U•NIQUE product was born out of the recognition that independent brokers seldom have a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 300 brokers countrywide who support the product, testimony to the product’s growing appeal and success. The distinguishing feature of this policy is the assets out option. This option replaces the traditional unspecified all risks and allows your client to have open cover for up to R250 000 for jewellery, photographic equipment and personal affects. Values can also be increased. We offer an automatic survey of the contents, to ensure your client is not underinsured. U•NIQUE Prosperity for mid net worth clients – This product is aimed at the upper middle class, ordinary folk throughout South Africa, who are paying between R1 000 and R3 000 per month for insurance. We also conduct

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pre-loss assessments on every risk, where a detailed inventory and valuation is completed, listing everything in the home and agreed with the client. The valuation summary will give your client a breakdown on premiums allocated to each category in the home, and a choice can be made as to which items to cover. Values and ownership when established up front result in trouble-free claims. The inventory doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that can result.

P-R Genric Automotive Underwriting Managers (Pty) Ltd Postal Address: PO Box 1115, Bromhof, 2154 Telephone: +27 (0)86 001 8111 Fax: +27 (0)86 218 9311 Web address: www.genricautomotive.co.za E-mail: info@genricautomotive.co.za FSP licence number: Juristic representative of Genric Insurance Company Limited Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Restore Interior Protect Nothing smells as good as the interior of a new vehicle, but that wonâ&#x20AC;&#x2122;t last forever. Our product protects your interior from incidental accidental damage Mechanical Warranty More often than not various components of a car can fail without warning. Our product

protects you against the cost of certain mechanical and electrical failures. Gap Assist Designed to give additional financial support where an existing manufacturer or aftermarket warranty does not provide adequate cover. For example, a warranty has a limit of R15 000 on the repairs of a gearbox, but the repairs cost R19 000. GAP Assist will pay the difference. However, the cover is limited to a maximum amount dependent on the component covered. Autobody Warranty To keep a vehicle in pristine condition is no mean feat. Our product will assist you with the expense of repairing dents, scratches and more. Tyre and Rim Warranty Tyres and rims can easily get damaged from a multitude of causes. Our product protects you from the costs related to the repair of such unforeseen damage

Product information: It is sometimes said: personal lines is personal lines, is personal lines. We disagree. When it comes to being significantly different and offering advantages and benefits that mean something to the client, we have the right product. Our growth in the personal lines sector speaks for itself. Join in on the fun and get a quote from us today.

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Personal lines (cont.) Paradigm Risk Consultants (Pty) Ltd Physical address: 73 5th Avenue, Edenvale, 1609 Phone: +27 (0)11 524 0884 Fax: +27 (0)11 524 0702 Web address: www.paradigmrisk.co.za E-mail: niall@paradigmrisk.co.za or ross@paradigmrisk.co.za FSP licence number: 4518 Insurer/risk carrier/principal: Compass Insurance Company Limited Product information: Paradigm Risk Consultants is an underwriting agency specialising in personal and commercial insurance as well as lifestyle benefits. Personal insurance includes cover for movable and immovable property, motor, motor cycles, caravans, trailers, watercraft, liability, personal accident and all risks cover for domestic risks.

Lifestyle benefits extend to car hire, home assist and roadside assistance. Commercial insurance for small, medium and large business ventures including fire, buildings, office contents, business interruption, theft, money, goods in transit, all risks, accidental damage, public liability, motor and electronic equipment. Paradigm is dedicated to understanding each unique risk profile and tailoring policies to individual needs while providing quality service. Paradigm underwrites on behalf of both Centriq Insurance Company Limited and Compass Insurance Company Limited.

Quicksure (Pty) Ltd Physical address (head office): Cnr Prince George Avenue and Kingsway, Brakpan, Gauteng, 1540 Phone: +27 (0)11 748 4700 Fax: +27 (0)11 744 4987 Web address: www.quicksure.co.za E-mail: celestec@quicksure.co.za FSP licence number: 16902 Insurer/risk carrier/principal: New National Assurance Company and Santam Product information: Quicksure is a registered

financial services provider and one of the leading short-term insurance underwriting managers in South Africa. In 2012, Quicksure was awarded the PMR Silver arrow award for best general underwriting manager, personal and commercial insurance, in South Africa. Our highly innovative and flexible product range covers almost every aspect of short-term insurance business.

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Product information: Riscor is a unique company that offers its extensive broker network to a spectrum of products in the personal, commercial and agri lines of business, thereby providing a complete and effective administrative and management solution to brokers. We provide all types of short-term insurance and hold mandates with some of cont ď&#x192;

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the largest insurance companies in the country. Riscor performs insurance administration of both personal lines and commercial portfolios on behalf of insurance companies, and operates as an extension of the insurer’s operation. Insurers effectively outsource the total broker support function to Riscor, with Riscor having the mandate to act on the insurer’s behalf.

Riscor offers a complete one-stop service, comprising underwriting management, policy administration, rate setting, claims management and statistical analysis of insurance portfolios. We are part of a dynamic organisation and are driven by a passion for delivering value, service and integrity to our brokers.

SA Underwriting Agencies Physical address (head office): SA Underwriters Place, Bond Street Business Park, Cnr Bond and Kent Street, Randburg, 2194 Phone: +27 (0)860 002 002 Fax: +27 (0)11 777 7345 Web address: www.saunderwriters.com E-mail: info@saunderwriters.com FSP licence number: 281

Product information: Personal lines: We have a very competitive personal lines product with a well-balanced rating approach to the risks that we would like to acquire. Commercial lines: We write all general lines of short-term insurance (small to medium industries).

Strategic Insurance Systems Physical address (head office): Block B, Queens Office Park, 30 Alexandra Road, Doringkloof, Centurion, 0157 Phone: +27 (0)12 667 2441 Fax: +27 (0)12 667 2442 Web address: www.stratsys.co.za E-mail: gary@stratsys.co.za FSP licence number: 1007 Insurer/risk carrier/principal: Mutual & Federal Risk Finance

Mutual & Federal Risk Finance, we know that no one understands your client’s needs better than you do and we have designed our solutions with this in mind. You too, can enjoy the superior flexibility our solution provides and take optimum control of your insurance brokerage like never before. Our integrated system, underpinned by unsurpassed integrity allows you instant decision making authority, quicker turnaround times, speedier settlement of claims, and ultimate control of your client service.

Product information: Isn’t it time you added a little SIS to your brokerage? As an insurance broker, you strive to give your clients the best service, making every effort to ensure they receive the most extensive coverage possible for the price paid. To do this effectively, you need to understand all the subjective factors influencing their risk profile. This process requires a combination of experience, skill, knowledge and good old-fashioned gut instinct. With Strategic Insurance Systems, powered by

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Pets and leisure horses Onepet Pet Insurance Postal Address: PO Box 652075, Benmore, 2010 Phone: +27 (0)10 001 0141 Web address: www.onepet.co.za E-mail: marketing@onegrp.co.za Insurer/risk carrier: Absa Insurance Risk Management Services (Ltd) t/a AIRMS Product information: From only R157 per month, insure a cat or dog’s health bills. Onepet Pet Insurance covers: veterinary visits, accident and illness-related events, blood tests, X-rays, kennel fees and more. Onepet teaches

an old dog new tricks. Vet claims can be prepaid onto a Onecard Transactional card, via Onehealth’s unique mobile claim process. Oneplan and Onepet are administered by Onecard Management Services (Pty) Ltd (FSP 43628) and are marketed by Onecard Investments (Pty) Ltd (FSP 43627), authorised financial services providers. Oneplan is not a medical aid scheme. All products are short-term insurance products and are underwritten by Absa Insurance Risk Management Services (Ltd) T/A AIRMS.

Petsure (Pty) Ltd Postal address (head office): PO Box 87419, Houghton, 2041 Phone: +27 (0)11 481 1900 Fax: +27 (0)11 484 6187 Web address: www.petsure.co.za E-mail: info@petsure.co.za FSP licence number: 9846 Insurer/risk carrier/principal: Hollard (FSP: 17698) Product information: PetSure (Pty) Ltd administers a number of pet insurance plans including Hollard Pet Insurance which is available for cats and dogs. Products include cover for accidental injury and illness and a multi-pet discount is available. Hollard

Pet Insurance is a dedicated pet insurer, insuring pets since 1992. Claims are settled promptly and fairly with a 14-day money-back guarantee. Cats and dogs must be between eight weeks and eight years old on date of application. Once on cover, they are covered for life. All pets must have a permanent form of identification to reduce risk of insurance fraud and protect all members. Benefits for covered conditions are reimbursed according to the PetSure benefit schedule which is based on the South African Veterinary Council’s Guide to fees. In addition, PetSure administers PetSure Equine, which comprises Veterinary Fee Cover for leisure horses.

Pet Underwriting Managing Agency (Pty) Ltd (P.UMA) Physical address: Metropolitan Centre, 14th Floor, 7 Walter Sisulu Ave, Cape Town, 8001 Telephone: +27 (0)21 403 9177 Fax: +27 (0)86 691 4723 E-mail: info@p-uma.co.za FSP licence number: 44387

Renasa Insurance Company Limited. P.UMA is a specialist in medical insurance for pets.

Product information: P.UMA is an underwriting manager on behalf of

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Specialist in medical insurance for pets

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED (P.UMA) Pet Underwriting Managing Agency (Pty) Limited Contact Details: Tel: (021) 403 9177 • Fax: (086) 691 4723 Metropolitan Centre, 14th Floor, 7 Walter Sisulu Ave, Cape Town 8001 P 0 Box 6604, Roggebaai, Cape Town 8012 • info@p-uma.co.za Registration No. 2011/107009/07 • FSP License Number: 44387

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Photographic equipment Artinsure Underwriting Managers (Pty) Ltd Postal address (head office): PostNet Suite 243, Private Bag X30500, Houghton, 2041 Phone (head office): +27 (0)86 111 1096 Fax (head office): +27 (0)86 678 0333 Web address: www.artinsure.co.za E-mail: info@artinsure.co.za FSP licence number: 36954 Insurer/risk carrier/principal: Hollard (FSP: 17698) Product information: Photographers require a policy with far more tailoring than the basic all risk offerings on a standard contents policy. As photographers range from professionals to enthusiasts, so too do Artinsure’s photographic products, with bespoke, comprehensive policies designed specifically for both the professional and enthusiast market needs.

Plastic risks Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Phone: +27(0)861 322 463, Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138 Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing

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and hospitality sectors. We place emphasis on our clients’ compliance with statutory and regulatory legislation. Our experienced personnel provide professional risk assessment and tailored risk management services for the protection of intermediaries’ interests and clients’ businesses. Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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Prize Indemnity KEU Underwriting Managers CC Physical address (head office): 88 Monkor Road, Randpark Ridge, 2169 Phone: +27 (0)861 00 0090 Fax: +27 (0)861 00 0030 Web address:: www.keu.co.za E-mail: info@keu.co.za FSP licence number: 5076 Insurer/risk carrier/principal: Centriq (FSP: 3417) Product information: KEU has developed prize indemnity insurance for all types of competitions. These will vary from incentive bonuses payable to record breakers or a person catching a tag fish. Over the years of servicing this niche market, our product encompasses the right cover to ensure that you can hand over the prizes on offer.

achievement, KEU’s performance bonus insurance covers your contribution to the performance bonus. CHANCE WINS Guessing games are the basis of chance wins, which are common in competitions. Entrants typically guess the correct sequence of numbers or select a ‘lucky’ box to win prizes, which is usually based on an actuarially calculated formula. KEU’s prize indemnity insurance is also available for soccer or rugby goal contests and fishing competitions.

SPORTS CONTESTS Hole-in-one insurance KEU’s hole-in-one insurance covers the cash amount or prize payable should a player achieve a hole-in-one. The rates for this cover depend on the number of golf rounds, how many participants in the tournament, the distance between the tee, and the hole and the skill of participants. Record cover Athletes push their bodies to the limit and have an innate ability for self-motivation. But they also need to be rewarded if they break existing records or exceed a standard laid down for a particular discipline. KEU’s incentive bonus insurance gives them an added motivation to break that South African or world record. Performance bonus cover If your company is involved in sports sponsorship, this may also extend to a contribution to performance bonuses of the team or individual athlete. Aside from the excitement of your team or sportsman’s

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Product guarantee/recall Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions. Some of its products include: directors’ and

officers’ liability, employment practices liability, pension fund trustees’ liability, general liability, commercial crime, professional indemnity, body corporate trustees, clinical trials, directors’ and officers’ professional indemnity, fidelity guarantee for financial institutions, medical malpractice for medical establishments and practitioners, and cyber liability. Each Camargue policy includes value-added services with a number of risk managers. With over 400 legal and risk professionals at its disposal, Camargue ensures efficient roll-out and delivery of its services.

Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

Professional indemnity Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

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General & Professional Liability Acceptances Postal address (head office): PO Box 2667, Fourways, 2055 Phone: +27 (0)11 706 0911 Fax: +27 (0)86 505 9712 E-mail: dcampbell@gpla.co.za or rhunter@gpla.co.za Insurer/risk carrier/principal: Lloyd’s of London FSP licence number: 3664 Product information: GPLA underwrites on behalf of Lloyd’s of London and provides cover to medical practitioners, allied healthcare

practitioners and healthcare organisations. GPLA provides professional indemnity cover to the following professionals: • Attorneys • Consulting engineers • Quantity surveyors • Project managers • Insurance brokers • Land surveyors • Loss adjusters • Tech PI • Miscellaneous PI.

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PROFESSIONAL INDEMNITY (cont.) IBG Underwriting Managers (Pty) Ltd Physical address (head office): Shop 19 Kayden Centre, Scottburgh, 4180 Phone: +27 (0)87 807 8677/ 039 976 1642 Fax: (0)86 628 1458 Web address: www.ibg-uma.co.za FSP licence number: 36515 E-mail: info@ibg-uma.co.za Insurer/risk carrier/ principal: Renasa Insurance Company Limited

Product information: IBG Underwriting Managers has, on behalf of Renasa Insurance Company, developed an excess waiver for PI cover. This policy works on a trigger basis meaning as long as the underlying PI policy responds to a claim, IBG will pay the excess as stated on the IBG schedule.

Leppard & Associates (Pty) Ltd Postal address: PO Box 2730, Houghton, 2041 Phone (head office): +27 (0)11 459 1640 Fax (head office): +27 (0)11 268 5887 Web address www.leppard.co.za E-mail: simon@leppard.co.za FSP licence number: 274 Insurer: Lombard Insurance Company Limited (FSP: 1596) Product information: Leppard Underwritingâ&#x20AC;&#x2122;s core business includes professional indemnity and broad-form liability insurance. Leppard underwrites on behalf of Lombard Insurance Company Limited.

FSP NO IS 274

Includes attorneys, built environment professionals (architects, consulting engineers, design and construct, land surveyors, quantity surveyors, project managers and other built environment professionals), chartered accountants, estate agents, freight forwarders, information technology, insurance brokers, underwriting managers, miscellaneous PI.

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reputation

PROFESSIONAL INDEMNITY ATTORNEYS BUILT ENVIRONMENT PROFESSIONALS: ARCHITECTS CONSULTING ENGINEERS DESIGN AND CONSTRUCT LAND SURVEYORS QUANTITY SURVEYORS PROJECT MANAGERS ESTATE AGENTS FREIGHT FORWARDERS COMPUTER INDUSTRY INSURANCE BROKERS UNDERWRITING MANAGERS CHARTERED ACCOUNTANTS – (CAPIM AND OTHERS) ESTATE AGENTS FREIGHT FORWARDERS COMPUTER INDUSTRY INSURANCE BROKERS UNDERWRITING MANAGERS LIABILITY INSURANCE GENERAL PUBLIC LIABILITY BROADFORM LIABILITY PRODUCTS LIABILITY EVENTS LIABILITY EXCESS LAYERS AND UMBRELLA COVERS AGRICHEM LIABILITY MOTOR FLEET THIRD PARTY LIABILITY PERSONAL LIABILITY TOP-UP (XOL AND UMBRELLA)

FSP NO IS 274

COMMERCIAL LIABILITY TOP-UP WAREHOUSEMEN’S AND CARRIERS’ LIABILITY

TELEPHONE: +27 11 459 1640

FACSIMILE: +27 11 268 5887

Professional Indemnity Stuart Sinclair stuart@leppard.co.za

Liability Insurance Caroline MacNair caroline@leppard.co.za

WWW.LEPPARD.CO.ZA Accountants (CAPIM) Sherelle Horsfield sherelle@leppard.co.za

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PROFESSIONAL INDEMNITY (cont.) Manwood Underwriters (Pty) Ltd Postal address (head office): PostNet Suite 31, Private Bag X75, Bryanston, 2021 Phone: +27 (0)11 540 7900 Fax: +27 (0)11 540 7920

Web address: www.manwood.co.za E-mail: cwatson@manwood.co.za FSP licence number: 1029 Insurer/risk carrier/principal: Centriq Insurance Company Limited

Quantum Liability Underwriting Managers (Pty) Ltd Postal address: PO Box 13365, Clubview, 0014 Telephone: +27 (0)86 173 3336 Fax: +27 (0)86 531 3005 Web address: www.qlu.co.za E-mail: info@qlu.co.za FSP licence number: 44367 Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Specialist multi-liability covers for the security industry including:

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• general • pollution • products • security liability • firearms • fidelity extension if required Dealer assist – provides assistance for motor dealers in instances where a claim is lodged against them in terms of the Consumer Protection Act. Professional indemnity for motor dealers and short-term insurance intermediaries.

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Risk Technical Services Postal address (head office): PO Box 803, Cramerview, 2060 Phone): +27 (0)11 463 1101 Fax: +27 (0)86 636 5825 Web address: www.rtspi.co.za E-mail: dwozny@rtspi.co.za FSP licence number: 41202 Insurer/risk carrier/principal: RMB Structured Insurance (FSP: 1027) Product information: • Annual cover for all professionals operating in the built environment • Contractors design and construct/ Turnkey and EPCM policies/Foundation failure indemnity • Single projects including consequential loss. Shackleton Risk Management Postal address (head office): PO Box 393, Strathavon, 2031 Phone: +27 (0)11 784 5373 Fax: +27 (0)86 611 3226 Web address: www.shackletonrisk.co.za E-mail: michael@srisk.co.za FSP licence number: 33621 Insurer/risk carrier/principal: Safire (FSP: 2092) Product information: Shackleton Risk Management (Pty) Ltd specialises in professional indemnity, fidelity guarantee and misappropriation of trust fund insurance cover for attorneys, liquidators and business rescue practitioners. As a brokerage, we remain committed to obtaining the most competitive rates in the market for our clients.

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PROFESSIONAL INDEMNITY (cont.) Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: The world in which professionals operate is one of everincreasing pressure, with demands for quick answers and cost-effective solutions. This pressure can lead to errors and omissions by the professional, which can give rise to claims. This factor together with the litigious nature of our society underscores the need for professional indemnity insurance, both for clients and professionals. Cover is in respect of legal liability to pay compensation as a result of actual or alleged negligent, acts, errors or omissions in the performance of professional duties, the indemnity covers both damages and defence costs.

Extensions available include: • Sub-contracted duties • Joint venture and/or consortium agreements • Liability following employee dishonesty • Fee recovery (legal expenses) • Loss of documents • Claims preparation costs • Defamation. Specialised covers offered include: • Professional indemnity for design and construct activities • Misappropriation of trust monies/property insurance for attorneys. We offer cover to the full spectrum of traditional professionals including: • Accountants and auditors • Architects • Attorneys • Consulting engineers • Insurance intermediaries • Project managers • Quantity surveyors. We also offer cover to newer/emerging professionals including: • Technology companies • Project managers • BEE verification agents.

PROFESSIONAL INDEMNITY - single projects Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Web address: www.sha.co.za Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416) Product information: We provide long-term non-cancellable project professional indemnity insurance for legal liabilities arising out of the

errors or omissions in their professional duties for contractors, engineers, surveyors, consultants and other related professions employed on construction projects. The period of insurance can take into account pre-feasibility including early design work and geotechnical work prior to the start of construction for a maximum period of 36 months, the construction period as well as the maintenance and discovery period following final completion of the contract. The main features of the cover are: • The employer, contractor including sub-contractors and professional consultants are joint insureds cont  • The cover includes first party liability

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AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Renasa Insurance Company Limited, IVP Division Contact Details: IBG Underwriting Managers Tel: 087 807 8677; 039 9761642 • Fax: 086 628 1458 Shop 19 Kayden Centre, Scottburgh 4180 info@ibg-uma.co.za • www.ibg-uma.co.za FSP Number: 36515

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PROFESSIONAL INDEMNITY (cont.) Continued

• Failure of supervision is covered • Worldwide jurisdiction excluding North America. Civil liability insurance: SHA’s civil liability indemnifies the insured’s civil liability to third parties for any claim (and defence costs) demanding the payment of compensatory damages. SHA is the market

leader when it comes to civil liability with over 27 years’ experience in this field. The nature of this business is long-tail therefore understanding market and claim trends when pricing risks is of paramount importance. We provide tailor-made solutions for each client’s needs and have the only local wording available along with a dedicated team of underwriters and claims specialists. Limit of indemnity is R500 million.

Renewable energy C&G Underwriting Managers Pty (Ltd) Postal address (head office): 1st Floor, Stonefountain Terrace, 95 Klipfontein Road, Rondebosch, 7700 Phone: +27 (0)87 985 2144 Fax: +27 (0)21 685 5270 Web address: www.engineeringunderwriters.co.za E-mail: miker@coim.co.za FSP licence number: 30114 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP: 75) Product information: GCube and C&G have established an exclusive underwriting partnership for renewable energy insurance solutions that

are tailored for the Southern African market. This partnership will offer a total available capacity of R4 billion, making it the largest collaboration of its kind for renewable energy insurance in the world. This brings together GCube’s proven global skills and knowledge with C&G’s Southern African expertise and resources. • Cargo – stock throughput • Inland and marine transit • Marine delay in start-up • Construction all risks • Advance loss of profits • Operational all risks • Mechanical and electrical breakdown • Business interruption • Third-party liability • Employer’s liability.

Mirabilis Engineering Underwriting Managers (Pty) Ltd Postal address: PO Box 2081, Saxonwold, 2132 (offices in Gauteng; Western Cape and KwaZulu-Natal) Phone: 086 110 0100 – Local Phone +27 (0)11 880 8200 – International Fax: +27 (0)11 880 6857 Web address: www.mirabilisafrica.com E-mail: info@mirabilisafrica.com FSP licence number: 28190 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: Mirabilis offers a range of engineering insurance cover that provides for all engineering needs. These include: • Contractors all risk (CAR)

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• Engineering project insurance cover (EPIC) • Advance loss of profits (ALOP) • Contractors plant and equipment (CPE) • Plant all risks (PAR) • Machinery breakdown (MB) • Machinery loss of profits (MLOP) • Deterioration of stock (DOS) • Electronic equipment insurance (EEI) • Civil engineering completed risks (CECR). In addition to the above standard products, we also provide seamless tailor-made ‘cradle to operational’ covers, designed specifically for financed engineering projects where as single insurer (Santam) covers all project risks from marine to operational including marine, marine ALOP, CAR/EAR, ALOP, contractors third party, project professional indemnity, operational all risks and operational BI.

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Ten facts about sectional title risks 1

According to experts, if you own a sectional title property, you’re more likely to lose money as a result of fraud than fire.

Sectional title is popular among buyers because it is often more affordable than full title cluster homes, and generally offers similar security and lifestyle benefits.

In 2011, CSTM was investigated by the Estate Agency Affairs Board (EAAB) for the misuse of trust funds and, in certain instances, failed to pay over its clients’ water and electricity obligations to the relevant municipalities. CSTM allegedly attached a fraudulent stamp to the bills as evidence of payment.

KwaZulu-Natal’s Ballito beachfront property prices range from R1.45 million to R2 million, with the odd R3 million plus for sectional title properties on the beach.

There are over 57 892 registered sectional title schemes in South Africa with Pretoria boasting the most at 20 318.

At an average of 30 units per scheme, a total of 1.736 million flats and townhouses fall under sectional title property in South Africa.

It is estimated that there will be a demand for some 38 945 new homes to rent or buy in the R850 000 – R900 000 price range in the next five to 10 years, representing an increase of 55.64 per cent.

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The oldest sectional title properties in South Africa are located in areas that are now part of our inner city zones such as Hillbrow in Johannesburg, Sunnyside in Pretoria and Albert Park, and Point in Durban. According to a study by property research group Lightstone Freehold, properties outperformed sectional titles in 2010. It noted that freehold property inflation was 7.9 per cent whereas sectional title properties showed a decline from a flat 7.1 per cent to 6.8 per cent. The world’s most expensive sectional title property is La Belle Epogue in Monte Carlo. The priciest residence here was sold for the staggering $300 million.

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Schools HIC Underwriting Managers (Pty) Ltd Physical address (head office): Eastwood Office Park, 11b Riley Road, Bedfordview, 2007 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Web address: www.hicsa.co.za E-mail: info@hicsa.co.za FSP licence number: 5072 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited

Product information: HIC provides broad spectrum protection against risks facing schools, i.e. buildings, contents, theft, computer equipment, management liability, teacher liability, personal accident and emergency response packages.

interactive assistance from the time a claim occurs is offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Buildings • Computer equipment • Contents • Emergency response • Glass • Management liability • Motor • Personal accident • Teacher liability • Theft.

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Web address: www.sha.co.za E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

Sectional title Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 Web address: www.cia.co.za E-mail: sharne@cia.co.za FSP licence number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148)

• Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Office contents (residential product) • Liability • Trustees indemnity • Employers’ liability • All risks (residential product) • Money • Fidelity • Machinery breakdown (residential product) • Geyser maintenance • Commercial glass • Limited subsidence and landslip cover • Power surge • Claims preparation costs.

Product information: CIA – Commercial & Industrial Acceptances (Pty) Ltd (Registration number: 2000/019340/07; FSP: 13890) underwrites on behalf of Compass Insurance Company Limited (FSP: 12148; registration number: 1994/003010/06). Residential and commercial sectional title policies: CIA’s sectional title products comply with the requirements of the Sectional Titles Act providing trustees complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial bodies corporate. Products include: • Inflation and escalation

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Sectional title (cont.) HIC Underwriting Managers (Pty) Ltd Physical address (head office): Eastwood Office Park, 11b Riley Road, Bedfordview, 2007 Phone: +27 (0)11 455 5271 Fax: +27 (0)11 455 4779 Web address: www.hicsa.co.za E-mail: info@hicsa.co.za FSP licence number: 5072 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited

Product information: HIC’s Accommod8 product offers tailor-made products which include sectional title (commercial and residential), commercial buildings combined, homeowners’, homeowners’ associations with many automatic extensions.

Security liability Camargue Underwriting Managers Postal address (head office): PostNet Suite 250, Private Bag X4, Bedfordview, 2008 Phone: +27 (0)11 778 9140/41/42/43/44 Fax: +27 (0)11 778 9199 Web address: www.camargueum.co.za E-mail: camargue@camargueum.co.za FSP licence number: 6344 Insurer/risk carrier/principal: Lloyd’s of London and Mutual and Federal Product information: Camargue is an underwriter of niche insurance products and a provider of risk management solutions.

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S Quantum Liability Underwriting Managers (Pty) Ltd Postal address: PO Box 13365, Clubview, 0014 Telephone: +27 (0)86 173 3336 Fax: +27 (0)86 531 3005 Web address: www.qlu.co.za E-mail: info@qlu.co.za FSP licence number: 44367 Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Specialist multi-liability covers for the security industry including: general • pollution • products • security liability • firearms • fidelity extension if required Dealer assist – provides assistance for motor dealers in instances where a claim is lodged against them in terms of the Consumer Protection Act. Professional indemnity for motor dealers and short-term insurance intermediaries.

Self-insurance Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM offers a tailormade product for the self-insurance of larger motor fleets in Southern Africa. IUM has had many years’ experience in structuring selfinsurance solutions for clients which cover predominantly motor risks, but which can be extended to include goods in transit cover and fuel guarantees where required. Immediate, interactive assistance from the time a claim

occurs is offered via our 24-hour call centre. Policy benefits and services: ∙ Competitive rates ∙ 24/7/365 claims support – 24-hour call centre backed up by our claims department ∙ In-house claims settlement ∙ Accident scene management ∙ On-site legal services. Cover includes: ∙ Own damage cover ∙ Claims settlement within 24 hours ∙ Stable premiums ∙ Tax and VAT benefits. Optional benefits: ∙ Excess-free options (where applicable) ∙ Reinsurance ∙ Separate fire cover for vehicles.

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Specialised domestic insurance Alternative Commercial Acceptances (Pty) Ltd Postal address (head office): PO Box 504, Fauna Park, Polokwane, 0787 Phone: +27 (0)87 232 8860 or +27 (0)87 232 8560 Fax: +27 (0)86 620 0174 Web address: www.acaselect.co.za E-mail: leon@acaselect.co.za or francois@acaselect.co.za FSP licence number: 39835 Product information: Turtle Cover – this policy has been designed to ensure that you are not left with a gap in cover and are short paid when you have a loss under which your existing policy covers only a limited or restricted amount under the various extensions of your current short-term insurance policy. Turtle Cover is a new, innovative and exciting product in which we seek to avoid or reduce your risk of having or finding yourself being short paid due to your underlying policy only providing cover for a reduced or restricted value. Turtle Cover provides additional value by paying the claim shortfall, subject to certain limits and cover options that you have selected. Product details and broker packages are available.

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S Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 Web address: www.aum.co.za E-mail: raksm@aum.co.za or laurag@aum.co.za FSP licence number: 35916 Insurer/risk carrier/principal: The Hollard Insurance Company Limited (FSP: 17698) Product information: U•NIQUE Elite for high net worth clients – A specifically designed, tailor-made U•NIQUE product for affluent clients. The U•NIQUE product was born out of the recognition that independent brokers seldom have a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 200 brokers countrywide who support the product, testimony to the product’s growing appeal and success. The distinguishing feature of this policy is the assets out option. This option replaces the traditional unspecified all risks and allows your client to have open cover for up to R250 000 for jewellery, photographic equipment and personal affects. Values can also be increased. We offer an automatic survey of the contents, to ensure your client is not underinsured. U•NIQUE Prosperity for mid net worth clients – This product is aimed at the upper middle class, ordinary folk throughout South Africa, who are paying between R1 000 and R3 000 per month for insurance. We also conduct pre-loss assessments on every risk, where a detailed inventory and valuation is completed, listing everything in the home and agreed with the client. The valuation summary will give your client a breakdown on premiums allocated to each category in the home, and a choice can be made as to which items to cover. Values

and ownership when established up front result in trouble-free claims. The inventory doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that can result. U•NIQUE Professional – a personal and commercial policy combined which is specifically designed for the entrepreneur with their own business or for people involved in professional or entrepreneurial activity requiring broader cover to suit their U•NIQUE needs. We offer one policy with one premium and combine your business and personal insurance cover, which can be tailored to suit your client’s needs. Benefits include: A specifically designed, tailor-made U•NIQUE product for the individual and his business Simplified, user-friendly wording, making it easy to see exactly what is covered. One policy, one premium – business and domestic insurance. The policy is on an all risks basis and is rated by applying a rate to the business contents, buildings and business interruption sum insured. Limits can be increased at an additional premium. Cover is automatically included for glass, money, theft, fidelity guarantee, liability, accounts receivable, accidental damage and stock in transit. Professional target market is any small- to medium-sized business in the following sectors: • Accountants, architects and estate agents • Insurance brokers, IT specialists, management consultants and other financial services • Marketing, advertising and public relations consultants • Communications consultants • Lawyers, solicitors and surveyors • Engineers and publishers • Vets, doctors, dentists and pharmacists • Florists and small retail businesses.

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Specialised domestic insurance (cont.)

Echelon Private Client Solutions Postal address: Private Box 10, Sunclare Building, 21 Dreyer Street, Claremont, 7700 Phone: +27 (0)21 657 1100 Fax: +27 (0)21 683 5441 Web address: www.echelonpci.co.za E-mail: darrel@echelonpci.co.za FSP licence number: 40613 Insurer/risk carrier/principal: Santam (FSP: 3416) Product information: Echelon Private Client Solutions is a specialist insurance underwriter offering innovative benefits, comprehensive cover and competitive premiums for individual clients and their personal assets. The company is a niche underwriter focused on the LSM 10+ market segment in South Africa, and has specifically tailored benefits and solutions to meet the needs of professionals, business owners and executives in formal employment. We partner with select intermediaries to market our products to policyholders who have a bias for personalised service and independent advice. Echelon is also a proud member of the Santam Group, and is underpinned by Santamâ&#x20AC;&#x2122;s excellent reputation and Fitch AA rating.

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Echelon underwrites all risks covers for motor, buildings, contents, private aircraft, pleasure craft and specified and unspecified assets, together with flexible personal accident and personal liability solutions. Value-added motor, home and trauma assistance is available on a buy-up basis, offering choice according to specific client needs. Echelon adopts a lifestyle underwriting model aimed at achieving sustainable results over the long term. Clients are individually rated according to a matrix across a range of lifestyle factors. This approach eliminates cross-subsidisation and creates space to offer a bespoke product with superior benefits, yet remaining competitive in a price-sensitive market. We aim to demystify insurance and offer products people need, which are easy to buy and with limited complexity. A plain English policy document caters for the specific needs of the private client and ranks as the most comprehensive personal asset insurance product in South Africa, a first in private client insurance in South Africa.

S MUA Insurance Acceptances (Pty) Ltd Postal address (head office): PO Box 84, Century City, 7446 Phone: +27 (0)86 168 2467 Website: www.mua.co.za E-mail: info@mua.co.za FSP licence number: 37947 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Executive Home – Domestic insurance tailor-made for a tailored audience. Every client’s risk profile is unique. That is why we offer to tailor-make each policy for the individual.

• Comprehensive subsidence and landslip cover at no additional premium. • Our all risks cover is now extended, normal household goods – covered anywhere in the World. • Full coverage of accidental damage to both buildings and their contents. • International personal luggage cover from airport to airport is included in the contents cover. • MUA offers a voluntary home appraisal service. • Underlying cover includes personal liability insurance of R25 million and cover extends to identity theft. • A golf hole in one is covered for R10 000 and a bowls full-house for R5 000.

www.globecreative.co.za

MUA’s comprehensive home insurance cover offers enhanced features not available to holders of ordinary insurance policies: • Minimum entry level sum insured; buildings, contents and all risks combined R3 million or a contents minimum of R750 000.

Insurance products for the accomplished

www.zenithinsure.co.za info@zenithinsure.co.za | Tel: +27 21 872 7065 | Fax: +27 21 872 7168 191 Main Road Paarl 7646 | PO Box 3505 Paarl 7620 Registration Nr: 2006/032693/07 Zenith is a licensed Financial Services Provider, underwritten by Hollard, an authorised Financial Services Provider. FSB Number: 36469

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Specialised domestic insurance (cont.) Zenith Product Design (Pty) Ltd Postal address (head office): PO Box 3505, Paarl, 7620 Phone: +27 (0)21 872 7065 Fax: +27 (0)21 872 7169 Web address: www.zenithinsure.co.za E-mail: info@zenithinsure.co.za FSP licence number: 3649

Private use for vehicles includes infrequent business trips, swallow use caters for a migrating lifestyle and weekender use allows discount for low vehicle usage. AA Plus membership secures peace of mind on the road. The policy offers very high cover limits and caters for the lifestyle of the affluent at competitive premiums.

Product information: Our ethos We provide a personal and flexible service to brokers, are willing to listen to unique requirements and place emphasis on relationships. Product and service excellence are the pillars upon which we conduct business.

The Business Policy: Offers risk-based commercial cover for non-corporate businesses of all sizes. Many free extensions reduces premium spend to ensure peace of mind for the entrepreneur.

Our products Zenith: This product is custom made for the financially accomplished. Features include contents all risk cover without item limits and a free inventory and valuation to avoid average.

Our service Staff, handpicked from the industry, is dedicated to portfolios and render private client service to meet the expectations of our chosen market segment.

Specialised insurance for 4x4 owners Cross Country Insurance Consultants (Pty) Ltd Physical address (head office): 253 Smit Street, Fairlands, 2195 Phone: +27 (0)11 215 8800 Fax: +27 (0)11 476 8205 Web address: www.ccic.co.za E-mail: info@ccic.co.za FSP licence number: 39547 Insurer/risk carrier/principal: Renasa Insurance Company Limited Product information: Ultimate Explorer 4x4 and 4x2 vehicle insurance: Comprehensive cover for private, business and tour operators’ use including full off-road application. Replacement of insured vehicle within the first year of registration, following a total loss;

earned loyalty two years’ claim-free on insured vehicle – basic excess for principal driver and spouse is waived; Excess Waiver – applicable to basic; theft/hijacking; roll over and water damage with R1 000 excess; theft/hijacking excess waived if vehicle is fitted with a fully operational tracking device; Inception Value product – cover for the retail value of the vehicle at inception date of policy for duration of the policy. Vehicle repatriation beyond the Republic of South Africa borders; car hire in the country where the incident occurred; driver and occupants’ repatriation ; medical emergency evacuation for driver and occupants; emergency roadside assistance. Complete personal lines package available.

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Specialist in insurance of adventure lifestyle

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED

Cross (X) Country Insurance Consultants Contact Details: Proprietor: Ash Brook Investments 133 (Pty) Limited 253 Smit Street, Fairlands 2170 Registration number: 2008/013847/07 â&#x20AC;˘ FSP License Number: 39547

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Specialised insurance for buildings CIA Commercial & Industrial Acceptances (Pty) Ltd Postal address (head office): PO Box 615, Bedfordview, 2008 Phone: +27 (0)86 124 2777 Fax: +27 (0)86 613 6684 Website: www.cia.co.za E-mail: sharne@cia.co.za FSP licence number: 13890 Insurer/risk carrier/principal: Compass Insurance Company Limited (FSP: 12148) Product information: Building Insurance: CIA – Commercial & Industrial Acceptances (Pty) Ltd, registration number: 2000/019340/07, FSP: 13890 underwrites on behalf of Compass Insurance Company Limited (FSP: 12148, registration number: 1994/003010/06).

Property Owners Combined: CIA’s Property Owners Combined policy offers the widest cover available for residential, commercial and industrial properties at highly competitive rates. All buildings, irrespective of occupation, are issued on a combined basis, including numerous complementary extensions. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Liability • Glass • All risks (optional) • Machinery breakdown (optional) • Limited subsidence and landslip cover • Power surge • Claims preparation costs. Residential and commercial sectional title policies: CIA’s sectional title products comply with the requirements of the Sectional Titles Act providing trustees complete peace of mind. These products include many additional and unique complementary benefits for residential as well as industrial or commercial bodies corporate. Products include: • Inflation and escalation • Public supply connections • Loss of rent or alternative accommodation • Accidental damage • Office contents (residential product) • Liability • Trustees indemnity • Employers’ liability • All risks (residential product) • Money • Fidelity • Machinery breakdown (residential product) • Geyser maintenance • Commercial glass • Limited subsidence and landslip cover • Power surge • Claims preparation costs. House owners: CIA’s house owners’ policy is unique in that it provides all risks cover and automatically includes subsidence and landslip at no additional cost and without the need for expensive geotechnical engineers’ reports.

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Specialised high-value executive motor vehicles Aquarius Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 3002, Bromhof, 2154 Phone: +27 (0)86 727 7854 Fax: +27 (0)86 688 8361 Web address: www.aum.co.za E-mail: raksm@aum.co.za or laurag@aum.co.za FSP licence number: 35916 Insurer/risk carrier/principal: The Hollard Insurance Company Limited (FSP: 17698)

• Future disability of a predetermined amount which goes towards the cost of suitable vehicle modifications • Pet injury cover for animals injured in an accident • Medical costs following an accident, hijacking or attempted hijacking, including funeral costs and trauma therapy • Road rage following an accident • Excess buyback option.

Product information: The U.NIQUE Executive policy is specifically designed for owners of executive vehicles with values in excess of R350 000. We insure executive, classic and exotic cars on a stand-alone basis or as part of our other U•NIQUE products. • Vehicle parts and accessories (e.g. sound equipment) that form part of the vehicle • Car hire expenses up to 30 days • Personal items stolen from vehicles • Replacement of child car seat after an accident

Benefits: • Total loss and theft claims are settled at retail value • No excess payable when a claim arises from a theft or hijack (or attempt thereat) and the vehicle is fitted with a U•NIQUE approved tracking device • No excess is payable if the driver of the vehicle at the time of the accident has an advanced driver certificate • Cover for off-road use is an option.

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Specialised high-value executive motor vehicles (cont.) Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, 2007 Phone: +27 (011 601 8800 Fax: +27 (0)11 601 0530 Web address: www.insurancezone.co.za E-mail: info@insurancezone.co.za FSP licence number: 42879 Insurer/risk carrier/principal: Hollard Insurance Company

Product information: Insurance Zone Flawless product is our flagship product for the wealthy, with Insurance Zone Inspire covering the upand-coming high net worth client. Call us first for a detailed quote and compare it with the rest. The right choice will be clear.

MUA Insurance Acceptances (Pty) Ltd Postal address (head office): PO Box 84, Century City, 7446 Phone: +27 (0)86 168 2467 Web address: www.mua.co.za E-mail: info@mua.co.za FSP licence number: 37947 Insurer/risk carrier/principal: Compass Insurance Company Ltd (FSP: 12148) Product information: Executive Motor – motor insurance tailor-made for a tailored audience. Every client’s risk profile is unique. That is why we offer to tailor-make each policy for the individual. These are available as combined personal insurance policies, as well as motor insurance on a stand-alone basis.

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MUA’s comprehensive motor insurance cover offers enhanced features not available to holders of ordinary insurance policies: • Motor total loss and theft claims are settled at retail value. Where the vehicle is less than one year old, the formula for settlement is replacement cost, subject to the sum insured. • Excess waiver on non-motor claims in excess of R100 000. • Excess waiver for over-55s. • Excess waived on motor where the car is less than one year old and a tracking device is installed. • Windscreen cover is up to the vehicle sum insured. • Specialist classic car and motorcycle insurance. • Emergency roadside assistance.

Specialised small/ medium commercial business Frontline Underwriting Managers (Pty) Ltd Postal address (head Office): PO Box 63918, Greenacres, 6057 Phone: +27 (0)41 373 0445 Fax: +27 (0)41 374 1833 Web address: www.frontlineinsurance.co.za E-mail: customercare@frontlineum.co.za FSP licence number: 40752

• Construct-Sure – a specific policy catering for material damage covers on buildings at competitive terms. • Personal Protector – a comprehensive domestic insurance policy. • WaterFRONT – designed exclusively to insure pleasure craft.

Product information: We offer the following innovative products to cater for your insurance needs, plus a variety of value-added products: • Commercial Composite – a multi-peril policy providing all commercial classes of insurance, such as fire, business interruption, theft, money, motor, etc. • Engineering –provides specific covers for engineering risks, such as machinery breakdown.

Value-added products: • Personal/commercial roadside assist • Auto concierge (auto care) • Home assist • Security concierge (security care). The market sees us as innovative, effective and efficient. Good old-fashioned service is what we ultimately offer and this has undoubtedly been the key to our ongoing success.

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CAPE TOWN Tel: 021 919 9080 Fax: 021 919 4396

DURBAN Tel: 031 562 0155 Fax: 031 562 0520

EAST LONDON Tel: 043 735 1681 Fax: 043 735 2080

JOHANNESBURG Tel: 011 026 3140 Fax: 011 326 0575

KROONSTAD Tel: 056 213 4991 Fax: 056 213 4606

PORT ELIZABETH Tel: 041 373 0445 Fax: 041 373 0419 www.frontlineinsurance.co.za

Authorised Financial Service Provider - FSP No. 40752

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Specie insurance Polygon Underwriting Agency (Pty) Ltd Postal address: PO Box 13365, Clubview, 0014 Telephone: +27 (0)86 110 3000 Fax: +27 (0)86 531 3005 Web address: www.polygongroup.co.za E-mail: info@polygongroup.co.za FSP licence number: 35345 Insurer/principal: Genric Insurance Company Limited (FSP: 43638) Product information: Specie insurance â&#x20AC;&#x201C; inclusions Assets in transit (cash, bullion, precious metals, precious stones, negotiable instruments) Static/vault cover

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Fine art and collectables ATMs â&#x20AC;&#x201C; static and transit exposures Extensions Fidelity risk cover Cover for safes Device cover. As leading specie insurance professionals, our tailor-made specialist policies are designed to protect diverse commercial assets. We support these policies with intelligent and pragmatic risk management advice, enhanced by our expertise in the complementary disciplines of high value commodities and cash in transit and coverage for static risks.

Sports insurance Stalker Hutchison Admiral (Pty) Ltd (SHA) Postal address (head office): PO Box 55347, Northlands, 2116 Physical address: The Pavilion, Wanderers Office Park, 52 Corlett Drive, Illovo, 2196 Web address: www.sha.co.za Phone: +27 (0)11 731 3600 Fax: +27 (0)11 447 0080 E-mail: griffithsw@sha.co.za FSP licence number: 2167 Insurer/risk carrier/principal: Santam Limited (FSP: 3416)

Product information: We have specific products to cater for professional and amateur sports players, where we can provide specialised cover per sport discipline. Our cover can include career ending cover and catastrophic disability (the inability to do any occupation following an injury).

Surety Performance and Customs Bond Services (Pty) Ltd Postal address (head office): PostNet Suite 353, Private Bag X30500, Houghton, 2041 Phone: +27 (0)11 482 2101/5981/8012 Web address: www.pcbs.co.za E-mail: info@pcbs.co.za FSP licence number: 19867 Insurer/risk carrier/principal: Guardrisk Insurance Company (FSP: 75) Product information: • Bid bonds (letter of intent)

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Ten facts about taxis 1

Horse-drawn for-hire services started in Paris and London during the early 1600s.

The term ‘taxicab’ comes from a combination of ‘taximeter’ and ‘cabriolet’.

Taximeter originated from the Latin word ‘taxa’, meaning charge, and ‘cabriolet’ was a horse-driven carriage. Together they form taxicab.

The taximeter, an instrument used to measure the distance/time a car has travelled, played a huge role in the development of the taxicab industry.

The world’s first taxi, built in 1897, was named the Daimler Victoria.

The United Arab Emirates Taxicab Company was the first taxi company in the United States.

Harry N Allen, the owner of the United Arab Emirates Taxicab Company, was the first to paint taxis yellow.

Two-way taxi radios were first used in taxis in the 1940s. This was a huge advance, allowing dispatchers and drivers to communicate more efficiently.

Cab drivers are often called ‘hacks’, this name originates from the London black cabs, known as hackney carriages.

The oldest known taxi driver is 92 years old, having spent 75 years behind the wheel.

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Tax insurance Qdos Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 788, Cape Town, 8000 Phone: +27 (0)86 073 6772 Fax: +27 (0)86 677 5622 Web address: www.qdostax.o.za E-mail: enquiries@qdostax.co.za FSP licence number: 30071 Insurer/risk carrier/principal: Hollard Insurance Company (FSP: 17698)

Product information: A tax enquiry by SARS is no longer something that happens to other people. The taxman’s skills are sharper and the net is wider than ever. Even the most meticulous and honest individuals and companies can be the subject of an enquiry by SARS, which can cost thousands in unplanned fees from auditors and other specialists. Qdos Tax Enquiry Insurance covers the professional fees of accountants and tax specialists in the event of an enquiry by SARS. These include disputes and enquiries into income tax, VAT, PAYE and capital gains tax.

TAXI INSURANCE Clarendon Transport Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 84216, Greenside, 2034 Phone: +27 (0)11 274 1300 Fax: +27 (0)11 486 2200 Web address: www.ctu.co.za E-mail: info@ctu.co.za FSP licence number: 5010 Insurer/risk carrier/principal: The Hollard Insurance Company Ltd (FSP: 17698) Product information: CTU celebrates more than 20 years of taxi insurance excellence and has paid out more than R1 billion in benefits. CTU is focused on meeting the needs of the taxi industry, as well as being flexible enough to adapt its services and products, in response to the changing demands, by consistently providing good service, backed by stability, expertise and excellent understanding of the taxi industry. CTU currently insures more than 80 000 taxis nationally. This has been achieved via our extensive network of short-term

insurance brokers, together with our dedicated staff members who are experienced in matters relating to the operations of the taxi industry. CTU understands the absolute imperative of expedient claims settlement and as part of our enhanced service delivery, we conduct continuous training to maximize efficiency. CTU provides the peace of mind in that you are covered by a company with more than 20 years of experience, expertise, excellence and is the leading provider of taxi insurance. Covers available: Full comprehensive cover – six options/schemes available. Extensions: • Personal Accident – covers both the driver and passengers • Passenger liability • Loss of use cover • Credit shortfall • Abscondence, violation and credit shortfall • Deposit protector • Cash back facility • Excess reducer • 50/50 (Unique to the taxi industry).

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Specialist in taxi insurance

AN UNDERWRITING MANAGER OF RENASA INSURANCE COMPANY LIMITED Renasa Taxi Underwriters (Pty) Limited Contact Details: Tel (011) 886 3200 • Fax (011) 886 7303 jonathan@selkirk.co.za • r tu@taxiinsure.co.za www.taxiinsure.co.za Registration No. 2007/018318 • FSP License Number: 39312

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CTU celebrates more than 20 years of taxi insurance excellence and has paid out more than R 1 billion in benefits. CTU is focused on meeting the needs of the taxi industry, as well as being flexible enough to adapt its services and products, in response to the changing demands, by consistently providing good service, backed by stability, expertise and excellent understanding of the taxi industry. CTU currently insures more than 80 000 taxis nationally. This has been achieved via our extensive network of short-term insurance brokers, together with our dedicated staff who are experienced in matters relating to the operations of the taxi industry. CTU understands the absolute imperative of expedient claims settlement and as part our enhanced service delivery, we conduct continuous training to maximize efficiency. CTU provides the peace of mind in that you are covered by a company with more than 20 years of experience, expertise, excellence and is the leading provider of taxi insurance. Rest assured YOU ARE COVERED IN OUR HANDS!

Covers Available: Full Comprehensive Cover 6 options/schemes available

Extensions Available: • • • • • • • • •

Personal Accident : Covers both the driver and passengers Passenger Liability Loss of Use Cover Credit Shortfall Abscondence, Violation and Credit Shortfall Deposit Protector Cash back facility Excess Reducer 50/50 (Unique to the taxi industry)

Clarendon Transport Underwriting Managers (Pty) Ltd Physical Address: Village Green Shopping Centre, First Floor 127 Green Way, Greenside, Johannesburg Phone: +27 (0) 11 274 1300 | Fax: +27 (0) 11 486 2200 | Website: www.ctu.co.za Reg. No. 88/04921/07 an Authorised Financial Service Provider License Number 5010 Underwritten by the Hollard Insurance Company

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Renasa Taxi Underwriters (Pty) Ltd Physical address (head office): Unit 11, Boskruin Business Park, Bosbok Road, Boskruin, 2188 Phone: +27 (0)11 886 3200 Fax: +27 (0)11 791 1039 Web address: www.taxiinsure.co.za E-mail: rtusa@taxiinsure.co.za FSP licence number: 39312 Insurer/risk carrier/principal: Renasa Insurance Company Product information: The taxi industry in SA is both complex and demanding, so RTUâ&#x20AC;&#x2122;s combination of innovative covers

and excellent service backed by a webbased management system offers brokers specialising in this niche area an excellent product supported by outstanding systems and efficient delivery. Being totally dedicated to the taxi industry, RTU offers some truly unique products including free personal accident and passenger liability covers (up to a pre-determined limit), a noclaims cash rebate, hire purchase cover, free accident roadside assistance, and several others including road cover service which manages Road Accident Fund claims at no additional charge.

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cover for all types of taxis: minibus, midi bus, metered, sedan and shuttle services. VUM also offers a wide range of online tools for quoting and policy activations. Optional cover extensions include passenger liability, personal accident, fixed expenses, audiovisual equipment and the total loss protector. The Zuzimali Cashback benefit is automatically included and pays out 10 per cent of premium paid by the client after a noclaim period of 36 months.

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Thatch risk Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Phone: +27(0)861 322 463, +27(0)11 615 1640 (Jhb) Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138 Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing

Insurer/risk carrier/principal: Guardrisk Insurance Company Limited Product information: We specialise in commercial thatch. HIC surveys every risk prior to inception and makes risk management a top priority.

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Thatch risk (cont.) Thatch Risk Acceptances Postal address (head office): PO Box 2288, Durbanville, 7551 Phone: +27 (0)86 110 5799 Fax: +27 (0)86 500 2071 Web address: www.tra.co.za E-mail: blokn@tra.co.za FSP licence number: 2317 Insurer/risk carrier/principal: Compass Insurance (FSP: 12148) Product information: Thatch Risk Acceptances was established on 1 July 1998 to fill a gap in a unexploited niche market with the specific aim to service the diverse and demanding needs of the thatch risk market. Today we are the only company to specialise exclusively in residential thatch insurance and, over the years, we have built a strong understanding of the requirements linked to this market. We offer a complete service to our broker base, with a full mandate from Compass Insurance Company to provide quotations, issue policies and manage the entire claim settlement process. We believe in managing a risk and not merely insuring it. We work with the broker to minimise the risk. Major exposures, improvements and requirements are identified through a comprehensive underwriting

procedure, adding value for the client. Cover is offered for the structure, house contents, all risks, motor vehicles and pleasure craft providing complete peace of mind to the client for his personal insurance. While we are the thatch experts, TRA also insures log cabins and timber frame homes. TRA is an established firm with a proven track record of over 15 years. We give personalised service with knowledgeable and friendly staff, no call centres and quick turnaround times on quotes, endorsements and claims. Our products include the following: Private homes: House owners’ and householders’ cover is on an all risks basis, and accidental damage is included for the full sum insured. We offer the client one policy for his entire portfolio including all risks, personal liabilities, motor, PLIP and small craft. Residential associations: Bodies corporate, sectional title and share block associations, whole and homeowners’ associations.

Tourism insurance Ascent Underwriting Managers (Pty) Ltd Postal address (head office): PO Box 2316, Rivonia, 2128 Phone: +27 (0)861 286 264 Fax: +27 (0)86 633 4311 Web address: www.ascentsure.co.za E-mail: info@ascentsure.co.za FSP licence number: 35519 Insurer/risk carrier/principal: Infiniti Insurance (FSP: 35914) Product information: Tourinsure Policy – Specialised and innovative product range designed to provide comprehensive cover to the tourism industry (tour operator, travel broker, travel agent).

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Insurer/risk carrier/principal: Guardrisk Insurance Company Limited Product information: HIC is well known in the tourism industry and we enhance our products regularly to keep up with our client’s needs.

Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: Tourism insurance is one of our specialised areas. Our product allows for a wide variety of cover specifically tailored for the tourism industry. Included in the list of products is a comprehensive range providing cover to hotels, lodges, game farms, resorts, golf estates and clubs. Immediate, interactive assistance from the time a claim occurs is

offered via our 24-hour call centre. Policy benefits and services: • Competitive rates • 24/7/365 claims support – 24-hour call centre backed up by our claims department • In-house claims settlement • On-site legal services. Cover available: • Fire and buildings combined • Buildings and contents • Business interruption • Public liability • Perishable food and beverages • Landscaping, signage and canopies • Leisure sporting facilities • Office contents • Watercraft and motor.

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Travel insurance Oojah Travel Protection (Pty) Ltd (Hollard) Postal address (head office): PO Box 41641, Moreletapark, 0044 Phone: +27 (0)11 351 4531 Fax: +27 (0)86 643 4436 Web address: www.hollard.co.za (insurance partners) E-mail: travelinsurance@oojahtravel.co.za FSP licence number: 42928 Insurer/risk carrier/principal: Hollard (FSP: 17698) Product information: Oojah is your traveller’s passport to hassle-free protection. We offer the following products: • Leisure travel insurance for individuals and families • Business travel insurance for small and medium companies • Corporate travel insurance where more than four staff members travel on a regular basis • Expatriate cover for companies that send staff to other countries to work for extended • periods of time • International medical extension (cover provided for medical schemes) • Bank card cover (free cover is provided when a traveller uses their bank card to purchase • airline tickets with the option to purchase

additional cover) • Affinity cover (provided as a value-added benefit to create loyalty) • Luggage insurance. Oojah Travel Protection’s focus is solely on travel insurance. What distinguishes Oojah from our competitors is our experience – over 50 years of combined travel and travel insurance experience. We work hard to protect the traveller, while remaining at the forefront of innovation and product development. Oojah’s innovative team is results driven and charged with passion and energy and we provide cover 24 hours a day, seven days a week, to travellers all over the world. Oojah has access to a global network of local experts who advise us of the particular risks facing travellers in different countries so that the benefits and payouts of any policy are adequately tailored to local conditions. Health risks and evacuation needs vary; business travellers and back packers are under different pressures, families and singles are in a different adventure zone. Specialist travel insurance advice has become essential in today’s world.

Travel Insurance Consultants (TIC) Phone: +27 (0)11 521 4000 Fax: +27 (0)11 521 4002 Web address: www.tic.co.za E-mail: helpdesk@tic.co.za FSP licence number: 3416 Insurer/risk carrier/principal: Santam Insurance Company Product information: TIC was established in 1988 and is South Africa’s largest specialist travel insurance provider with a wide range of travel insurance products. These products have the broadest range of benefits, and are

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available for individuals, leisure and business travellers, including large corporate companies. TIC’s products include the following risk classes: • Emergency medical expenses • Worldwide 24-hour emergency assistance • Journey cancellation and curtailment cover • Repatriation and evacuation • Personal accident and permanent disability • Loss of luggage, documents and cash while travelling • Hijack and hostage cover

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Truck (Heavy commercial vehicle) Tradesure Commercial Specialists Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co.za E-mail: david@tradesure.co.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited Product information: Tradesure insures your client, period.

Tradesure Truck and Marine Postal address: 13 Reynolds Street, Petervale, 2191 Phone: +27 (0)87 353 2577 Web address: www.tradesure.co.za E-mail: david@tradesure.co.za FSP licence number: 17607 and 24875 Insurer/risk carrier/principal: Western National Insurance Company Limited

and his delivery van (all insured by Tradesure). You walk into his building (insured by Tradesure), and his offices (all contents, including electronic equipment insured by Tradesure). Continue walking to his warehouse insured by Tradesure and find the stock and manufacturing machines that produce his income (all insured by Tradesure). We will do it all.

Product information: Tradesure insures your client, period. Envisage walking into your client’s offices. You park your car between the client’s 30 ton truck

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Watercraft and leisure Insurance Underwriting Managers (Pty) Ltd Physical address (head office): 38 Whittaker’s Way, Bedfordview, 2008 Phone: +27 (0)86 194 9444 Fax: +27 (0)86 194 9999 Web address: www.ium.co.za E-mail: info@ium.co.za FSP licence number: 21820 Insurer/risk carrier/principal: Centriq Insurance Company (RF) Limited (FSP: 3417) Product information: IUM is a specialist watercraft underwriter. We provide cover for any seaworthy vessel comprising of the hull, superstructure, fittings, machinery, engines, motors, rudder, propeller, hoardings, moorings, sails, spars, masts, rigging, fixtures, fittings, boat gear and equipment such as would normally be sold as one unit, including its trailer. Immediate, interactive assistance from the time a claim occurs is offered via our 24-hour call centre.

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Benefits include: • Competitive rates • 24/7/365 call centre claims support • In-house claims settlement • On-site legal services • Collection of the watercraft before repair • Delivery of watercraft after repairs have been completed. Cover includes: • Comprehensive cover • Fire extinguishing charges • Passenger liability • Sailing craft racing risk • Safeguarding costs • Third party liability • Top up liability • Transit cover • Water-skiers liability. Optional cover: • Credit shortfall.

T-Z Insurance Zone Physical address (head office): 24 Concorde Road West, Bedfordview, Johannesburg, 2007 Phone: +27 (0)11 601 8800 Fax: +27 (0)11 601 0530 Web address: www.insurancezone.co.za E-mail: info@insurancezone.co.za FSP licence number: 42879 Insurer/risk carrier/principal: Hollard Insurance Company

Product information: Watercraft & leisure is an area that Insurance Zone has had as part of its arsenal of products for over eight years. The product is formerly known as Leisure Zone, now it is simply called Insurance Zone Leisure. If you havenâ&#x20AC;&#x2122;t tried it, give us a bash; no matter what the toy is, we have a product to cover it!

specialising in providing insurance solutions to the broking fraternity via the insurance broker market. The product offering begins with insurance for watercraft and includes optional cover for the full rig being the tow vehicle, trailer/ caravan and specified all risks items. Liability cover is provided over both the craft, trailer and motor sections. Our aim is to provide the insured with the peace of mind that consistent cover is maintained for the rig whether at home, in transit or while on the water.

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T-Z

Wildlife (game) insurance AnimalSure Administrators (Pty) Ltd Physical address (head office): Unit G7, Bayside Office Park, 41 to 43 Erica Road, Blouberg, 7441 Phone: +27 (0)21 556 4936 Fax: +27 (0)86 576 6111 Web address: www.animalsure.co.za E-mail: donald@animalsure.co.za FSP licence number: 44029 Insurer/risk carrier/principal: Guardrisk Insurance Company Limited (FSP: 75)

and livestock insurer product provides comprehensive cover for all game and livestock. Cover includes all risk mortality, fire and lightning, capture, transit and post-release stress cover. We have AA claims rating.

IF YO

Product information: Our specialist game

Woodworking risks and sawmills Factory and Industrial Physical address (head office): 3 River Road, Bedfordview, 2008 Phone: (0)861 322 463/ +27 (0)11 615 1640 Web address: www.facind.co.za E-mail: info@facind.co.za FSP licence number: 9138

Product information: F&I is a specialist underwriting and risk manager offering a full range of comprehensive insurance and risk solutions for the commercial, manufacturing

Our F&I risk management team attempts to ensure that compliance and risk management issues are identified and dealt with before an event thereby avoiding claim pitfalls.

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CONSIDER YOURSELF AT RISK T-Z

IF YOUR GAME AND LIVESTOCK ARE NOT COVERED BY

ONLY TRUSTED ANIMAL INSURER WITH A PROVEN TRACK RECORD AA CLAIMS RATING WITH OVER R80 MILLION IN CLAIMS PAID STILL THE SAME NAME AND PREFERRED INSURER OF CHOICE

PROTECT YOUR INVESTMENT, CONTACT US TODAY

T: 021 556 4936 F: 086 548 7842 E: animalsure@mweb.co.za WWW.ANIMALSURE.CO.ZA

ANIMALSURE IS A REGISTERED, FINANCIAL SERVICES PROVIDER UNDERWRITTEN BY GUARDRISK INSURANCE COMPANY (FSP: 44029)

SHORT & LONG TERM INSURERS Short-term insurers • Auto & General Insurance • AIG • Allianz Global Corporate & Specialty SA Ltd • Centriq Insurance Company (RF) Limited • Coface South Africa Insurance Company Limited • Constantia Insurance Company Limited • Genric Insurance Company Limited • Guardrisk Insurance Company Limited • Hollard Insurance • Infiniti Insurance • Lion of Africa Insurance • Momentum Short-term Insurance • Mutual & Federal Insurance Company Limited • Natsure (Pty) Ltd • Oakhurst Insurance Company Limited • Renasa Insurance Company Limited • Santam • Western National Insurance Company Limited • Zurich Insurance Company South Africa Ltd

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240 240 243 243 243 244 244 244 246 246 247 247 248 248 249 249 250 250 251

REINSURERS & MEDICAL Medical • Genesis Medical Scheme • Medihelp Medical Scheme • Sirago Underwriting Managers (Pty) Ltd • Health and Accident Underwriting Managers (Pty) Ltd

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Long-term insurers • Altrisk (Pty) Ltd • FMI

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Reinsurers • Emeritus RE SA Ltd • Hannover Reinsurance Africa • RGA Reinsurance Company of South Africa • SCOR Africa Limited • Swiss Re Life & Health Africa Limited

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Short term

Auto & General Insurance Physical address (head office): Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191 Phone: 0860 25 25 71 Web address: www.autogen.co.za E-mail: onlinesupport@autogen.co.za FSP licence number: 16354

added to your insurance policy to ensure that all your vehicle insurance needs are met. Household insurance: We make sure that all aspects of your house receive proper cover with our home contents, buildings, residential estate, and portable possessions insurance products.

Product information: Auto & General is a formidable leader in South Africa’s competitive insurance industry offering vehicle, household, business, and life insurance.

Business insurance: Our business insurance products are specifically designed to fit a range of small to medium-sized businesses – from accountants to medical practitioners to guesthouses. We also offer professional liability products such as directors’ and officers’ and errors and omissions insurance. Life insurance: We recently branched out and are now also offering life insurance, which includes pure life cover.

Vehicle insurance: We offer insurance products ranging from limited cover to comprehensive cover as well as an array of optional value-added products that can be

AIG Physical address (head office): 10 Queens Road, Parktown, 2193 Phone: +27 (0)11 551 8000 Web address: www.aig.com E-mail: anthony.oreilly@aig.com FSP licence number: 15805 Product information: AIG K and R AIG provides corporate kidnap and ransom/extortion insurance that protects against financial loss and includes the negotiation and crisis management services of NYA International. • Kidnap/alleged kidnap: Protection against the seizure or detention of an insured for ransom purposes. • Extortion: Cover for payment demands following threats to injure or kill an insured, damage property, contaminate products, divulge trade secrets and destroy electronic data. • Wrongful detention: Covers involuntary confinement by a government entity or

insurgent organisation. • Hijacking: Illegal holding under duress, for a period in excess of four consecutive hours • Optional extensions: • Evacuation and political reputation • Assault • Business interruption • Disappearance • Express kidnapping • Hostage crisis • Threat response costs • Product loss. Cover includes: • Death and dismemberment. • Ransom/extortion payment. • Payment lost in transit. • Judgement, settlements and defence costs. • Any other reasonable and necessary expenses. • Security consultants response costs: unlimited. cont



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A&G 295x3

A&G 295x389.indd 1

2012/11/26 3:48 PM

Short term

AIG (CONT.) AIG Aerospace AIG is dedicated to addressing the insurance and risk management needs of aircraft operations and aerospace facilities of all types. Features and benefits: • Over 65 years’ experience • Market leading expertise • Specialist claims, safety and loss control teams. Cover includes: • General aviation • Products and airports • Light aviation. AIG Corporate Guard • Our new Corporate Guard directors’ and officers’ policy responds to important shifts in current risks to directors and officers, as well as evolving corporate demands. AIG South Africa also now has the ability to provide capacity of up to US$100 million. • Features and benefits: • Provides extra cover for commercial institutions which responds with a fresh limit for each and every claim • Mitigation cover – provides the insured with cover in the event they need to proactively head off potential claims • Makes explicit references to parliamentary commissions and regulatory body investigations • Provides defence costs for individuals facing a company investigation at the behest of shareholders seeking to bring a derivative suit.

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Cover includes: • Pre-claim inquiry and individual investigations • Personal expenses in asset and liability proceedings • Individual protection for unpaid corporate taxes • Insolvency hearing cover • E nhanced bodily injury and property damage cover • Enhanced reputation expenses cover. AIG Product Recall • AIG Product Recall is a comprehensive solution to help companies mitigate the substantial costs associated with product recall. Features and benefits: • Covers direct costs of a recall • Covers additional business costs post recall arising from event • Cover in the face of threatened or malicious attacks • Consultant and advisors fees. Cover includes: • Costs of recall • Rehabilitation costs • Loss of gross profit/business interruption • Replacement cost.

Physical address (head office): The Firs, 2nd Floor, 32A Cradock Avenue, Rosebank, 2196 Phone: +27 (0)11 214 7900 Fax: +27 (0)11 447 1777 Web address: www.agcs.allianz.com E-mail: nondumiso.mhkize@allianz.co.za FSP licence number: 16722

Short term

Allianz Global Corporate & Specialty SA Ltd Product information: • International insurance solutions • Risk consulting services • Engineering • Liability • Energy • Financial lines • Marine • Property • Package and multiline.

Centriq Insurance Company (RF) Limited Physical address (head office): First Floor, 4 Fricker Road, Illovo, 2015 Phone: +27 (0)112686490 Fax: +27 (0)112686495 Web address: www.centriq.co.za E-mail: info@centriq.co.za FSP licence number: 3417 Product information: Centriq is an independent specialist cell captive insurance company with valued people relationships, risk sharing partnerships and unique customer solutions as guiding principles. We own and operate both a short-term and life cell captive licence, which provide our business partners and insurance clients with the ability to participate in the risk and benefits related to their individual insurance business.

We specialise in offering the following insurance business partnerships and risk solutions: Insurance business partnerships: • Underwriting managing agents (UMA) insurance partnerships • Brand affinity insurance partnerships. Risk solutions: • Risk finance and alternative risk finance • Specialty insurance solutions (via our appointed UMAs) • General commercial and personal insurance solutions (via our appointed UMAs) • Value add and community affiliated personal insurance products (via our appointed brand affinity insurance partners).

Coface South Africa Insurance Company Limited Physical address (head office): Block D, DRA Minerals Park, Inyanga Close, Sunninghill, 2157 Phone: +27 (0)11 208 2500 Fax: + 27 (0)11 208 2600 Web address: www.cofaceza.com E-mail: info@cofaceza.com FSP licence number: 44160 Product information: Coface is a trade risk expert and a worldwide leader in credit insurance. It assists companies − regardless of their size, business sector or country − as they grow within their domestic and export countries. Credit insurance solutions are offered which

aim to protect businesses against the risk of financial default by their customers. Coface supports its clients by assessing and preventing risks, so that they can make the best decisions at the most opportune moment thanks to comprehensive, detailed analysis of country, sector and credit risk. This analysis draws on a powerful international network that also enables Coface to offer its customers credit insurance services in 97 countries, directly or via its strategic partnerships, and has the ability to provide cover for its clients in approximately 200 countries.

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Short term

Constantia Insurance Company Limited Physical address (head office): Tulbagh, 360 Oak Avenue, Randburg, 2194 Phone: +27 (0)11 686 4200 Fax: +27 (0)11 789 8828 Web address: www.constantiagroup.co.za E-mail: info@constantiagroup.co.za FSP licence number: 31111

• Motor traders • Health and accident insurance • Cellular phone insurance • Value-added products • Guarantees.

Product information: Products offered include: • Commercial lines • Personal lines • Heavy commercial vehicles, motorcycles and classic cars • Legal expenses insurance

Genric Insurance Company Limited Physical address (head office): Building 3, Midrand Business Park, 563 Old Pretoria Main Road, Midrand, 1685 Phone: 0861 44 44 62 Fax: 086 586 0945 Web address: www.genric.co.za E-mail: info@genric.co.za FSP licence number: 43638 Product information: Born from a culture of innovation, Genric Insurance Company Limited is fast growing into the preferred niche insurer for the South African market. We look at risk in a new way. We bring tailored cover to specialised industries and individuals and their specific needs with our range of products such as:

• AgrInsure • Commercial legal • CPA dealer assist • Cycle insurance • Goods in transit • Heavy commercial vehicles • Health and accident • Mechanical warranty • Office automation • Rental deposit guarantee • Rental guarantee • Scratch and dent • Security company liabilities • Specie insurance (cash, art and valuables) • Tyre and rim • Professional indemnity.

Guardrisk Insurance Company Limited Physical address (head office): 2nd Floor, 115 West Street, Sandton, 2196 Phone: +27 (0)11 669 1000 Fax: +27 (0)11 669 1931 Web address: www.guardrisk.co.za E-mail: guardrisk@guardrisk.co.za FSP licence number: 75

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Product information: Guardrisk is a specialist cell captive insurance group providing tailor-made risk financing and insurance solutions, and access to a broad and diversified panel of related services and professional reinsurance markets.

PARTNERSHIP

THERE aRE ELEMENTs OF RIsK IN EvERyTHINg Protecting your business against risk takes strategic insight. It takes innovation and tailored solutions. It takes the pioneering approach of cell captive insurance. Guardrisk offers cover for corporates, small enterprises and municipalities, as well as cover for a variety of industries including marine, construction, motor and many more. Tel: +27 11 669 1000 â&#x20AC;˘ www.guardrisk.co.za

An Authorised Financial Services Provider

Short term

Hollard Insurance Physical address (head office): Hollard Campus, 22 Oxford Road, Parktown, 2193 Phone: +27 (0)11 351 5000 Fax: +27 (0)11 351 5001 Web address: www.hollard.co.za E-mail: info@hollard.co.za FSP licence number: 17698 Product information: To ensure companies get the right cover for their needs, we partner with providers of specialist business insurance products. Our specialist short-term insurance underwriters provide us with business insurance solutions for specific target markets and industry sectors. This ultimately means that we, through our specialist insurance partners, can offer customised solutions to

small and medium-sized companies as well as business entities. Our business model is structured to attract top business insurance underwriting experts who share Hollardâ&#x20AC;&#x2122;s passion for excellence and innovation. Within each nominated class or product, these experts are mandated by Hollard to handle marketing, underwrite policies, deal with general administration and settle claims on behalf of Hollard. Hollardâ&#x20AC;&#x2122;s specialist business insurance partners are independent enterprises, supported by the Hollard Group. They have access to value-added Hollard services, such as legal and compliance, risk and reinsurance.

Infiniti Insurance Postal address: PostNet Suite 167, Private Bag X2600, Houghton, 2041 Tel: +27 (0)11 718 1200 Fax: +27 (0)11 726 1874 Web address: www.infinitiafrica.com E-mail: info@infinitiafrica.com FSP licence number: 35914 Product information: Infiniti Insurance is a short-term insurer focused on long-term

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partnerships with specialist entrepreneurs and brokers. Infiniti positions itself as a niche wholesaler rather than retailer, and writes specialist underwriters in everything from bloodstock, game, marine, hospitality and everything in between. Infiniti has five divisions: reinsurance, broker division, a specialist underwriting division for niched areas of business, and Infiniti Aviation and Infiniti Legal Sense.

Physical address (head office): 62 Wierda Road East, Weirda Valley, Sandton, 2146 Phone: +27 (0)86 010 2724 Web address: www.lionsure.com E-mail: rethabile.mahuma@lionsure.com FSP licence number: 17511 Product information: Lion of Africa Insurance’s short-term insurance activities are concentrated primarily in the commercial property, personal lines, marine, engineering and casualty markets. The company insures many of the top 100 JSE listed companies and is the largest insurer to South Africa’s local authorities market.

embrace skills development and education, thereby encouraging economic growth. Since its inception over 10 years ago, Lion of Africa Insurance has been dedicated to playing a leading role in empowerment and transformation within the financial services sector, the company is also the first South African short-term insurer to achieve Level 1 BBBEE status. Through the company’s extensive technical expertise, Lion of Africa Insurance is able to consistently deliver quality and innovative insurance risk services to its customers through all viable distribution channels.

Sustainability and social responsibility is a core focus for Lion of Africa Insurance, with the company continuing to grow its contribution to the dynamic socio-economic transformation of South Africa, consistently focusing on supporting initiatives that

Momentum Short-term Insurance Physical address (head office): 268 West Avenue, Centurion, Gauteng, 0157 Phone: 0860 11 15 12 Web address: www.momentum.co.za E-mail: shorttermbrokerservice@momentum.co.za FSP licence number: 22789 Product information: Momentum Shortterm Insurance aims to enhance the financial wellness and safety of individuals, families and their businesses, which is why we offer short-term products to suit your individual needs. Our innovative mobile applications for clients and financial advisers put the power back in your hands. Whether you need personal cover on your all-risk items,

vehicle, household contents or building; or commercial cover on your business assets, we’ve got you covered. Personal lines: Our clients are rated on their individual risk profile, and not on an average calculation. Our personal cover includes cover on vehicles, buildings, contents, all risk, personal accident, and watercraft. Commercial lines: We understand that your business is unique, which is why our products are tailor made to suit your insurance requirements. Our commercial cover includes cover on vehicles, buildings, contents, business interruption, electronic equipment, money, stock, goods in transit, public liability, employer’s liability, fidelity guarantee and motor traders.

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Short term

Lion of Africa Insurance

Short term

Mutual & Federal Insurance Company Limited Physical address (head office): Mutual & Federal Centre, 75 President Street, Johannesburg, 2001 Phone: +27 (0)11 374 9111 Fax: +27 (0)11 374 2606 Web address: www.mf.co.za E-mail: chris.john@mf.co.za FSP licence number: 12 Product information: Mutual & Federal is partnered with carefully selected UMAs whose

niche skills and product ranges cater for the specialist needs of clients and complement Mutual & Federal’s existing offering. Mutual & Federal has partnered with the following UMAs: Merx HCV – a specialist underwriter of heavy commercial vehicles and transport contractors; Camargue Specialised Liability Management – an underwriter of niche liability insurance products and a provider of risk management solutions to a broad spectrum of industries in Southern Africa.

Natsure (Pty) Ltd Physical address (head office): 3rd Floor, Hatfield Corner, 1101 Burnett Street, Hatfield, 0083 Phone: +27 (0)861 477 752 Fax: +27 (0)86 538 5983 Web address: www.natsure.co.za E-mail: info@natsure.co.za FSP licence number: 4578 Product information: Comprehensive home owner and landlord insurance solution. Unique covers and wording – one of the most comprehensive coverages in the market, with a range of innovative covers catering specifically for expenses that a

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landlord faces and cannot recover under a normal home owners insurance policy, including: • Litigation costs incurred for recovering amounts owing to the insured by defaulting tenants • Cost of re-letting • Decontamination, pest and vermin cover • Early termination of lease agreement • Emergency evacuation costs following a government authority order in case of an impending insured peril • Unique 24/7 claims service, including our Nat-Assist Emergency Home Assistance service offering.

Physical address (head office): 127A York Street, George, 6530 Phone: +27 (0)11 826 4182 Fax: +27 (0)11 826 4182 Web address: www.oakhurstins.co.za E-mail: brokers@oakhurstins.co.za FSP licence number: 39925 Product information: Oakhurst Insurance is a motor specialist insurer which focuses on good driver insurance through brokers. Oakhurst offers tailor-made vehicle

insurance solutions for a variety of target markets, from general motor insurance cover, to taxi cover, to heavy commercial vehicle cover. What makes Oakhurst especially unique is its Good Driver Programme facilitated by the Oakhurst Smart-Box (a telematics device). This programme focuses on rewarding clients for good driving behaviour with the Good Driver Bonus which gives clients up to 25 per cent of their monthly premium cash back per month.

Renasa Insurance Company Limited Physical address (head office): 2nd Floor, Gateway Auto City, Jubilee Grove, Umhlanga Rocks, 4350 Phone: +27 (0)31 566 3337 Fax: +27 (0)31 566 4864 Web address: www.renasa.co.za E-mail: guarantees@renasa.co.za FSP licence number: 15491 Product information: Renasa offers performance, retention, advance payment and bid bonds or guarantees to the construction industry and also customs bonds to the freight forwarding market. These guarantees enable Renasa’s insured clients to improve their cash flows and provide the necessary

documents required to meet tender and other requirements. With the support of its treaty arrangements, Renasa is now able to offer capacity up to R20 million to select clients. Renasa’s guarantees are widely accepted in the market. Renasa’s A- rating has made its bonds and guarantees accepted by most employers including municipalities, corporate building contractors and the South African Revenue Services (customs bonds). Renasa’s Guarantee Division focuses on quick turnaround service.

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Short term

Oakhurst Insurance Company Limited

Short term

Santam Physical address (head office): 1 Sportica Circle, Tygervalley, Bellville, 7530 Phone: +27 (0)21 915 7000 Fax: +27 (0)21 914 0738 Web address: www.santam.co.za E-mail: info@santam.co.za FSP licence number: 3416

no wonder that Santam is South Africa’s leading short-term insurer. Santam also holds business interests in Zimbabwe, Malawi, Uganda, Tanzania and Zambia, and we hold strategic investments in various companies within the insurance industry, including the subsidiary Santam Namibia Ltd.

Product information: At Santam, we believe in a simple principle. We believe that insurance is something that should add value, not questions or uncertainty. It should provide peace of mind, not parameters or excuses, and that has been our philosophy since we first opened our doors on 1 May 1918 in Burg Street, Cape Town.

We consider our broker relationships to be one of our core strengths, and we continue to promote it as a channel of choice to our clients. We do, however, provide clients with multiple points of access, so that you can deal with us in the way that you feel most comfortable. At Santam, we believe in doing insurance good and proper, and we’ve been doing it that way for over 95 years. With a market share exceeding 23 per cent, Santam focuses on corporate, commercial and personal markets.

With assets totaling more than R19.7 billion, a countrywide, world-class contact centre infrastructure, a thriving intermediary network and more than 700 000 policyholders, it’s

Western National Insurance Company Limited Physical address (head office): 2nd Floor, The Cliffs, 3 Niagara Road, Tygerfalls Office and Residential Park, Carl Cronje Drive, Bellville, 7530 Phone: (0)86 193 7628 Fax: (0)86 2211 0392 Web address: www.westnat.com E-mail: ingridb@westnat.com FSP licence number: 00118/001

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Product information: Western National Insurance specialises in providing total solutions in the small- to mediumsize commercial market. Enabling our intermediaries to access a multiple of product options. Our product offering ranges from general commercial/business insurance, sectional title to agri. We have representation in the Western Cape and Gauteng.

Physical address (head office): 15 Marshall Street, Ferreirasdorp, Johannesburg, 2001 Phone: +27 (0)11 370 9111 Fax: +27 (0)11 319 2483 Web address: www.zurich.co.za E-mail: corporate.communications @zurich.co.za FSP licence number: 17703 Product information: As a leading global insurer in South Africa, Zurich continues to provide distinct and specialist products and propositions, allowing us to bring significant

benefits to our customers, with a breadth and depth of expertise and experience that provides ultimate peace of mind. From private individuals, through to SMEs, commercial and corporate businesses, we provide knowledge and expertise when it matters most with service excellence at the top of our agenda. Our products and propositions are supported by an evolving underwriting and claims service proposition that ensures you have access to our network of specialist business decision-makers, wherever you are.

RETHINK INSURANCE

www.westnat.com | Cape Town 086 193 7628 Gauteng 012 523 0900 Western National Insurance Company Limited is an authorised financial service provider (Juristic Representative Under FSP9465)

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Short term

Zurich Insurance Company South Africa Ltd

medical

Genesis Medical Scheme Physical address (head office): The Terraces, 4th Floor, Black River Park, Fir Street, Observatory, 7925 Phone: +27 (0)21 442 9900 Fax: +27 (0)21 447 4707 Web address: www.genesismedical.co.za E-mail: genesis@genesismedical.co.za Product information: As a leading medical scheme in South Africa, Genesis Medical Scheme has a proud heritage of providing exceptional benefits and true peace of mind to its members. Rated as one of the top five most successful medical schemes in the country, as measured by claims ratio, solvency and

access to medical facilities, all Genesis members are in good hands. Our members enjoy comprehensive cover for all qualifying medical conditions. The scheme’s in-hospital cover far exceeds that of most other medical schemes. Depending on the benefit option selected by members, day-to-day benefits may include medical savings, dental benefits, consultation benefits and cover for medication, whether prescribed of over the counter. All Genesis members have the luxury to choose their own hospital and their own doctor or medical specialist. Members are neither forced to go to network hospitals, nor are they forced to make use of network medical practitioners.

Medihelp Medical Scheme Physical address (head office): 410 Steve Biko Road, Arcadia, Pretoria, 0007 Phone: (0)860 100 678 Fax: +27 (0)12 336 9540 Web address: www.medihelp.co.za E-mail: medihelp@medihelp.co.za Product information: Medihelp is one of the largest open medical aid schemes in South Africa. We provide quality, affordable medical aid cover to more than 220 000 South Africans. Medihelp knows people’s needs are different, which is why our range of medical aid products is designed to suit different lifestyles, ages and pockets – from a network medical aid package (an ideal option for low-income earners) all the way to premium medical aid plans for highincome earners. Our medical aid products will not only provide you with peace of mind in the event of an unfortunate medical emergency, with

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medical cover for major medical procedures, but will also assist you in maintaining your good health – every day.

Physical address (head office): 22 Stiglingh Rd, Rivonia, 2128 Phone: +27 (0)11 234 7333 Fax: +27 (0)86 605 5859 Web address: www.healthacc.co.za E-mail: ahofman@healthacc.co.za FSP licence number: 376 Insurer/risk carrier/principal: Compass Insurance Company Limited Product information: H & A operates in the gap cover market. We offer gap cover, via

the broker market, which covers the shortfall in fees charged by doctors/specialists for in-hospital costs. We also offer gap cover which includes in-hospital co-payments. The gap cover product includes various extended benefits, including cover for internal prosthesis, trauma counselling and multiple other valuable benefits. We only operate via the broker market and do various exclusive gap cover schemes and customise certain gap cover benefits to suit the needs of the broker client.

Sirago Underwriting Managers (Pty) Ltd Physical Address: Midrand Business Park, Building 3, 563 Old Pretoria Main Road, Midrand, 1685 Phone: +27 (0)86 10 11 123 Fax: +27 (0)86 508 2292 Web address:www.sirago.co.za E-mail: info@sirago.co.za FSP licence number: 4710 Insurer: Genric Insurance Company Limited (FSP: 43638) Product information: We focus on niche business opportunities and provide a range of competitive and affordable accident and health stated benefit short-term insurance products: • GAP Cover covers the difference between the medical scheme rate and private rates charged by a registered medical professional for in-hospital treatment. • CoPay Cover will cover your co-payments for procedures performed as an in-patient or as an out-patient, as well as MRI, CT and ultrasound scans. • Admission Fee Cover will cover the admission fees payable to a hospital as imposed in terms of the medical scheme rules. • Outpatient Benefit will cover the difference

between the medical scheme rate and private rates charged by registered medical professionals for any outpatient surgical procedure that would normally be performed as an inpatient. • Cancer Cover will pay you a stated benefit towards your co-payment payable once you have reached your oncology limit as imposed in terms of the medical scheme rules. • PMB Cover will provide you with an annual benefit to be used for any PMB diagnosis treated at a non-DSP as contracted by the medical scheme you belong to. • Babybucks has been developed essentially to compensate an employee for the potential loss of income during maternity leave or to assist the employer by providing a financial reimbursement, thus enabling the company to appoint temporary staff during the employee’s maternity leave period. • Medisec provides cover tailored for lowincome earners who do not have the financial means to access a general practitioner or dentist for medical attention.

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medical

Health and Accident Underwriting Managers (Pty) Ltd

LONG TERM

Altrisk (Pty) Ltd Postal address (head office): PO Box 2944, Pinegowrie, 2123 Phone: +27 (0)11 547 7000 Fax: +27 (0)11 547 7777 Web address: www.altrisk.co.za E-mail: bronwynv@altrisk.co.za FSP licence number: 9869 Insurer/risk carrier/principal: Hollard Insurance Company (FSP: 17698) Product information: Altrisk offers life, critical illness, death, disability, retrenchment, impairment, income replacement, comprehensive cancer, deferred life, HIV applications, long-term care and early cancer cover. We’re a division of Hollard and our core focus is the specialised individual risk market. We’ve achieved a number of firsts

in our field: first to regularly cover people with severe medical impairments – those who traditionally couldn’t get cover in the marketplace; first to offer life cover to people with HIV; first to regularly cover people working in high-risk countries; first to introduce a suicide exclusion that recognises previous periods of life cover; first to adopt standardised critical illness definitions; first to introduce early cancer cover, and first to do away with irrelevant general exclusions. We have the best underwriting team in the business, with almost 150 years’ collective direct insurance and reinsurance experience. It’s all part of our goal to be recognised as the best risk provider in our chosen market, make long-term insurance simpler and offer you the best possible solutions for your clients.

FMI

Postal address (head office): PostNet Suite 91, Private Bag X01, Umhlanga Rocks, 4320 Web address: www.fmi.co.za Phone: +27 (0)860 10 11 19 Fax: +27 (0)31 502 5250 E-mail: fmiclientcare@fmi.co.za FSP licence number: 2717 Insurer/risk carrier/principal: Financial Management International Pty Ltd, underwritten by Lombard Life Ltd Product information: We believe an income stream is the cornerstone of financial security and an individual’s ability to earn their income is the single most important thing to insure. That’s why we quickly and seamlessly provide sustainable cover that is tailored to the individual needs of our clients, without unnecessary jargon or red tape. Our income protection offerings ensure that, no matter what our clients face, their income is not at risk.

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• • • • • •

•

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1s Cn M Jo

CA FA EM

1011HLTB

WE ARE THE GROUP FUNERAL SPECIALISTS!

we provide….

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YOU HAVE MANY REASONS TO CONTACT US 1st Floor, 81 Main Street Cnr Main & Simmonds Street Marshalltown Johannesburg CALL: FAX: EMAIL:

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1011HLTBFS AD.indd 4

FUNERAL SO C IETY

2010/08/02 12:20 PM

FUNERAL SO C IETY

Introducing 2 new products to make your job easier.

One solution. And all their living risks are covered. Living Protector

You aim to offer your clients peace of mind against life’s risks. No easy task, given the range of what life can throw at us. We can help to avoid the shortcomings in your client’s risk cover. It’s called the Living Protector from Sanlam and it combines dread disease, disability, retrenchment and loss of income protection. You can also add additional benefits to suit each client’s specific needs. Consider Living Protector. It not only offers peace of mind, but can cost your client up to 30% less.

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LICENSED FINANCIAL SERVICES PROVIDER

MetropolitanRepublic/12769/E

A fast growing market with clients for the long run. Sanlam for Graduates

When opportunity knocks, open the door and let it in. Itâ&#x20AC;&#x2122;s with this thinking that we developed Sanlam for Graduates, allowing us and you to tap into a market that has doubled in recent years. With the Sanlam for Graduates portfolio of solutions, people with a 3-year degree or 4-year diploma qualify for the Sanlam Sickness Benefit. This is a major addition to what Sanlam already offers graduates: accident cover, income protection, dread disease cover and disability cover, as well as the Cumulus Echo Retirement Annuity.

For more information go to sanlam.co.za/intermediary

Reinsurers

Emeritus RE SA Ltd Physical address (head office): Corner 5th/Norwich Close, Sandton Close 2 Block B, Ground Floor, Sandton, 2146 Phone: +27 (0)11 783 8517/ +27 (0)11 783 6549 Fax: +27 (0)11 783 5440 Web address: www.emeritusre.co.za E-mail: info@emeritusre.co.za

Product information: • Property • Engineering • Miscellaneous • Liability • Motor • Transportation • Accident and health • Guarantees

Hannover Reinsurance Africa Physical address (head office): Hannover Re House, Cnr Hillside and Empire Roads, Parktown, 2193 Phone: (0)11 481 6500 Fax: (0)11 484 3330 Web address: www.hannover-re.com E-mail: customercare@hannover-re.co.za Product information: Hannover Re, with a gross premium of around €13.8 billion, is the third-largest reinsurer in the world. It transacts all lines of non-life and life and health reinsurance and is present on all continents with around 2 300 staff. The rating agencies most relevant to the insurance industry have awarded Hannover Re very strong insurer financial strength ratings: Standard & Poor’s AA- ‘Very Strong’ and A.M. Best A+ ‘Superior’.

Hannover Reinsurance Africa and Hannover Life Reassurance Africa have had a presence in the African market for over 50 years, fostering relationships with leading insurers in the sub-Saharan region. We offer our clients a broad range of reinsurance solutions, ranging from financial reinsurance to individual life reinsurance, from group life to disability products. Our strength, however, lies in our passion for innovative and progressive reinsurance structures for the life industry. Hannover Re Africa focuses on nonproportional treaty and facultative reinsurance business. The company promotes and supports a unique underwriting agency business model.

RGA Reinsurance Company of South Africa Physical address: 7th Floor, The Terraces, Black River Park, 2 Fir Street, Observatory, 7925 Phone: +27 (0)21 486 1700 Fax: +27 (0)21 486 1800 Web address: www.rgare.com E-mail: infosa@rgare.com Product information: RGA South Africa is the only dedicated life reinsurer in the South African market and supports all lines

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of individual and group life reinsurance business, including financial solutions such as capital-motivated reinsurance and longevity reinsurance to help you manage your capital and risk. In 2010, 2011 and 2012 we were ranked number one in the Business Capability Index by NMG Consulting, which is based on how well we are viewed by insurers in terms of providing quality service and support to our

clients. In 2009, we were ranked number one for group business in the NMG Consulting cedant study. We have treaties in place with all the major direct life insurance companies in the region with operations in Parktown, Johannesburg and Observatory, Cape Town serving clients in and around these cities, as well as clients in neighbouring Namibia, Botswana,

Reinsurers

RGA Reinsurance Company of South Africa (cont.) Swaziland and Lesotho. RGA entered the South African life reinsurance market in 1999 and since then we have built upon our core competency of facultative underwriting to include actuarial services, product development and claims management. Our team of 72 full-time associates can provide you with support across the entire lifecycle of your business.

SCOR Africa Limited Physical address (head office): 4th Floor, Blend on Baker, 17 Baker Street, Rosebank, 2196 Phone: +27 (0)11 507 3900 Fax: +27 (0)11 507 3939 Web address: www.scor.com E-mail: jyalezo@scor.com Product information: SCOR is organised around two main businesses, SCOR Global P&C (property and casualty reinsurance) and

SCOR Global Life (life reinsurance), plus an asset management business, SCOR Global Investments. SCOR Global P&C and SCOR Global Life are leading global reinsurers, executing an underwriting policy focused on profitability, developing value-added services and adhering to a cautious financial policy in order to meet the expectations of their clients in terms of security.

Swiss Re Life & Health Africa Limited Physical address (head office): 2nd Floor Block B, The Boulevard, Searle Street, Woodstock, 7925 Phone: +27 (0)21 469 8400 Fax: +27 (0)21 469 8500 Web address: www.swissre.com Product information: Swiss Re Group is a leading wholesale provider of reinsurance, insurance and other insurance-based forms of risk transfer. Dealing direct and working through brokers, its global client base consists of insurance companies, mid-to-largesized corporations and public sector

clients. From standard products to tailor-made coverage across all lines of business, Swiss Re deploys its capital strength, expertise and innovation power to enable the risk-taking upon which enterprise and progress in society depend. Founded in Zurich, Switzerland, in 1863, Swiss Re serves clients through a network of over 60 offices globally and is rated AA- by Standard & Poorâ&#x20AC;&#x2122;s, A1 by Moodyâ&#x20AC;&#x2122;s and A+ by AM Best. Registered shares in the Swiss Re Group holding company, Swiss Re Ltd, are listed on the SIX Swiss Exchange and trade under the symbol SREN.

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Analytics driving cost savings Neesa Moodley-Isaacs

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Juan Henning, the assistant executive of insurance at Innovation Group South Africa, says automated reserving, integrated workflow and task management, and improved document management are all key functions that insurance administrators are implementing to drive cost reductions. “While true straightthrough processing is still rare other than for glass claims, administrators are moving closer to that direction using business rules and task automation,” he says.

that return on investment (ROI) will always be a key consideration for companies when adopting new technology – which is initially often an unknown, unproven factor. “IT solutions vendors need to ensure they demonstrate the value of new technology in terms of business benefits, with substantiation,” Henning emphasises. “To make sound business decisions and gain a competitive edge in the market, insurers need to evaluate the data available to them, its advantages or drawbacks, as well as the underlying processes,” Brown says. “And they should be correctly advised on the steps necessary to improve data resources. This is an important strategic role that IT vendors can fulfil.”

Analytics

Santam case study

Personal insurers are increasingly inserting analytics into the claims process. Henning says carriers are using sophisticated techniques such as predictive analytics, network analysis or voice-stress recognition software. “Increasingly, they are adding capabilities for unstructured data mining as well. Analytics are used for fraud identification, utilisation management, claims assignment, subrogation identification and a wide variety of other areas,” he explains.

In a case study, Nucleus Research examined the use of IBM SPSS at Santam Insurance to measure the benefits of predictive analytics over a three-year period. Analysts found benefits including the detection of a fraud ring in the first 30 days of use, ability to accelerate 50 per cent of processing claims, and savings equivalent to the cost of 30 external assessors. The study showed that the return on investment was 244 per cent and the average annual benefit to the company worked out to R34 407 024.

nsurance administrators increasingly use analytics in the claims process to ensure their smooth operation, to drive cost reduction, and to manage and deter insurance fraud.

These systems and processes will help the administrator to manage and deter insurancerelated fraud. By using analytics and effective technology, administrators are able to control loss costs through the improved management of third-party invoices and valuations.

Return on investment

Santam was able to use the information from IBM SPSS to save R17.9 million in the first four months of use. These savings included the detection of an insurance fraud syndicate that had previously gone undetected. In 2011 alone, Santam successfully identified more than R80 million in repudiations due to invalid claims.

Clinton Brown, SSP’s sales manager for Africa concedes that innovation can sometimes be restricted by compliance and regulation, and

Brown notes that data is both the main driver in the development or improvement processes and products, and the by-product of those processes

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Self-service capabilities Self-service and collaboration technologies are becoming more common in personal insurance claims handling as well. Claimants can report claims online, check on their claim’s status, complete home inventories, select motor repair facilities and schedule rental cars. It is becoming more imperative to be able to provide insured consumers with self-service capabilities which must include online policy access, access to proof of insurance, online administration and claim submission with claim-tracking capabilities to retain those customers who prefer to interact with their insurer via technology. and products. “This co-dependency on data has brought about a deep-seated insurance industry focus on data-management concepts and principles. Measuring and minimising risk in a rapidly evolving marketplace makes it crucial for the industry to maintain a sharp focus on data and analytics.”

Lifeblood of the industry Essentially, data can be seen as the lifeblood of the insurance industry as it is vital to most business functions within an insurance company, including underwriting, pricing, financial analysis, claims handling, marketing, product development and strategic planning. “All insurance data comes from the same source – transactions conducted by insurance companies on a daily basis. Whenever an insurance premium is collected, a claim is paid, an expense is incurred or an investment is made, an insurance company captures valuable information. With well-defined objectives, carefully designed specifications and comprehensive data-processing systems, this detail can be compiled into useful, actionable information,” explains Brown.

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Arthur Goldstuck, the managing director of World Wide Worx, says there were 4.8 million BlackBerrys, four million Nokia smartphones, 800 000 Android smartphones and 400 000 iPhones in use in South Africa in December 2012 and, in May 2012, there were 532 000 tablets in use. Due to the fast pace of mobile technology, administrators now have to implement mobile applications allowing policyholders to interact through additional channels. These additional communication options must allow for customer self-service ranging from simple FNOL (first notification of loss) to status updates.

Managing challenges through technology Henning says the challenges faced by insurance administrators include: • Keeping up with technology to allow the intermediary market space to remain relevant. • Keeping costs competitive. • Providing insurance clients online access to their policy documents. Most direct insurers do provide this already and administrators who deal exclusively in the intermediary

market space are pressed to provide the same functionalities to insured clients. “Administrators have to face up to the reality of replacing core claims administration systems to increase operational efficiencies and improve data for themselves and their clients by inserting analytics into the claims process,” he says.

added services that meet customer demands and lead to company growth.

Web-based platform

Gabriel Rakosa, the technology business development manager at Innovation Group, says Insurer Analytics, which was recently launched in South Africa, is a web-based The benefits of automating processes include: graphically enabled predictive business • Improved customer service as a result of a intelligence platform that combines rapid faster claims service. headline reporting with the ability to identify • Providing consistent and fair best practices individual records to help highlight and manage to all customers. business efficiencies for claims and policy data. • Insurers who have implemented modern “It enables organisations across the globe claims systems report tangible speed-toto increase market share, improve customer market benefits. loyalty, drive service excellence and ultimately be • Improved efficiencies in claims handling. more profitable through easy access to critical • Improved data leading to better outcome business data, enabling informed business management. decisions. We have had great success in other countries, with successful implementations in the “The bottom line is that in order to survive UK, USA and Australia,” he says. and thrive in a rapidly changing insurance landscape, with its fair share of challenges, We have not yet implemented Insurer Analytics insurers need to respond to what consumers in SA as it was only recently launched here. “We want and provide it to them in a cutting-edge, have had plenty of engagements with potential innovative way,” says Brown. clients and have had positive responses specifically on the solution’s capabilities, “What we have in the industry now is a functionality and ease of use, which all address convergence of several important technologies challenges currently being faced by financial that allow insurers to better manage institutions,” Rakosa adds. challenges such as changing consumer behaviour, increased competition from nontraditional market entrants and the rising costs of compliance,” says Brown. According to him, the true leaders in the insurance industry will harness advances in technology to drive innovation, based on the right blend of data, analysis and insight, to help improve their customers’ experience and grow their bottom line by adding real value. He adds that insurance administrators need access to the right data, along with the resources to correctly interpret the data and the insight to create and implement value-

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Administrators and software providers

266

Assistant services

277

Car hire

282

Compliance and practice management

284

Education

286

Glass suppliers

288

Legal and compliance services

290

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SERVICE PROVIDERS INDEX Aâ&#x20AC;&#x201C;Z

Loss adjusters and assessors

292

Panel beaters

294

Premium collections

296

Risk management companies

296

Telematics

299

Verifiers, appraisers and valuers

302

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SERVICE PROVIDERS

Administrators & Software providers Antares Broker Support Physical address (head office): 4 Maltser Road, Northview clusters, Northriding, 2169 Phone: +27 (0)83 267 6864 Fax: +27 (0)86 653 9493 Web address: www.antaresbrokersupport.co.za E-mail: maurizio@antaresbrokersupport.co.za FSP licence number: 14576 Insurer/risk carrier/principal: Western National

Our strength lies in our simple-to-use quoting system, along with our competitive premiums and service offering. This translates into a competitive advantage for participating brokers.

Product information: Antares Broker Support provides brokers with a free-to-use online multi-quote system. Competitive motoronly products offered.

In todayâ&#x20AC;&#x2122;s fast-paced business environment it pays to be with a competent and professional organisation who will handle your portfolio with care and diligence, thus allowing the broker to focus on sales, without having to worry about any claim, underwriting or administration related event.

Complete end-to-end service offering including voice-logging, policy fulfilment, policy administration, claims administration and more.

We also have a host of value-added products to boost the service offering brokers can offer their clients.

Brolink (Pty) Ltd Physical address (head office): 85 Gerhard Street, Centurion, Tshwane, 0057 Phone: +27 (0)12 673 0000 Fax: +27 (0)12 673 0011 Web address: www.brolink.co.za E-mail: brolink@brolink.co.za FSP licence number: 10834 Product information: The three solutions we offer have all been designed to remove the hassle of administrative tasks and help streamline our clientsâ&#x20AC;&#x2122; business processes. Websure is an online system that allows industry professionals to get quotations, issue policies, track claims and view documentation from a range of insurers including Santam, Mutual & Federal, Hollard, Zurich and MUA. Our insurance

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administration service offers brokers the chance to outsource the collection of premiums, policy administration and claims management, among others. Finally, our management information services use the skills of actuaries to assess business performance including profitability and conversion rates, enabling brokers to constantly improve their offerings.

SERVICE PROVIDERS

Administrators & Software providers Envision Physical address (head office): 6th Floor, Quadrant 2, Centenary Building, 30 Meridian Drive, Umhlanga New Town Centre, KwaZulu-Natal, 4319 Phone: +27 (0)31 582 8300 Web address: www.envisionsa.co.za E-mail: solutions@envisionsa.oc.za FSP licence number: 44803

• Lead generation and supply • Specialist Compliance and Quality Assurance management • Implementation of Treating Customers Fairly Act (TCF).

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Product information: From unique, customised solutions to full turnkey offerings, Envision is perfectly positioned to provide your business with: • High volume customer acquisition • Innovative product development skills • Insurance solutions for retail outlets • Cutting edge technology to link retail to call centres • Auditing and pre and post-sale survey solutions • Call centre distribution and management

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Genasys Technologies (Pty) Ltd Physical address (head office): 1st Floor, Willowbrook House, Constantia Office Park, Cnr 14th Ave and Hendrik Potgieter Street, Weltevreden Park, 1709 Phone: +27 (0)11 679 3151 Fax: +27 (0)11 675 2416 Web address: www.genasys.co.za E-mail: info@genasys.co.za

be both stable and highly scalable. The SKi platform together with the SKi toolset provides a powerful enabler for any insurance business looking for the right software platform to support their growth and strategic initiatives. SKi has its roots in Europe, where it originated as a custom development for a national insurer with over 50 branches.

Product information: Founded in 1997, Genasys Technologies is a fast-growing, technology-inspired software company which develops and supports world-class software and services for its partners in the insurance industry.

We pride ourselves on the outstanding quality of our product, our harmonious relationships with our clients and our commitment to becoming the leading software provider to the South African, UK and European insurance industry. Genasys’ competitive advantage lies in our client-centric approach, focused strategy, innovative capacity and distinctive, duel-currency, multi-lingual, Eurocompliant brand.

Genasys SKi (software key to insurance) is a full featured, enterprise level, insurance management platform that has proven to

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About Our Products: Genasys SKi® Genasys SKi® (Software Key to Insurance) is a full featured, enterprise level, insurance management platform that has a proven track record and is highly scalable. The SKi® platform together with the SKi® toolset provides a powerful enabler for any insurance business looking for the right software platform to support their growth and strategic initiatives.

Front End

Excalibur

Full Policy Administration Platform

Excalibur Business Intelligence Software allows you to aggregate information pertaining to Policy Claims, Financials, Ratings, Etc. Presented via dashboards, graphs and aggregated tables Excalibur Business Intelligence Software provides an overview of your business movements helping you identify trends, manage exceptions, and forecast future behaviour based on historical transaction movements.

Business Intelligence

Instanda Instanda is a quick and easy stand-alone package for brokers and insurers to design and distribute insurance products online. With low up-front investment fees, this fully hosted and completely managed toolkit lets you reach customers through your own online sales channel – as soon as your product is ready.

About Genasys: Founded in 1997, Genasys Technologies is a fast-growing, technology-inspired software company which develops and supports world-class software and services for its partners in the insurance industry. Along with our partners F2X, we pride ourselves on the outstanding quality of our product, our harmonious relationships with our clients and our commitment to becoming the leading software provider to the South African, UK and European insurance industry. Genasys’ competitive advantage lies in our client-centric approach, focused strategy, innovative capacity and distinctive, dual-currency, multi-lingual, Euro-compliant brand.

Genasystech

@genasystech

www.genasys.co.za

SERVICE PROVIDERS

Administrators & Software providers Geo-Risk Information Platforms (GRiP) Physical address (head office): Capital Place, Neutron Street, Techno Park, Stellenbosch, 7601 Phone: +27 (0)83 633 0633 Fax: +27 (0)21 300 0060 Web address: www.gripcompany.co.za E-mail: brad@gripcompany.co.za Product information: GRiP supports the short-term insurance sector with web-based or locally integrated access to address and risk information. This includes automated address validation and geo-coding, as well as proximity to and containment within perils; providing the

insurer with a more informed understanding of the risks associated with each location. GRIP’s capabilities in data sourcing; data processing and maintenance; software and systems development; systems integration; and ongoing support services allow us to offer our customers unprecedented data quality and visual analytics. GRiP’s products and services will assist the insurer to increase premium income, reduce claims expenses, reduce administrative costs, and increase service levels to its clients.

Innovation Maven Physical address (head office): 192 Bram Fischer Drive, Randburg, 2194 Phone: +27 (0)11 790 5570 Fax: +27 (0)11 790 5587 Web address: www.innovationmaven.co.za E-mail: info@imaven.co.za FSP licence number: 43748 Product information: Innovation Maven offers our brokers access to some of the best domestic and commercial short-term insurance companies in South Africa.

We currently have agency agreements in place with the following insurers: • Absa (Commercial and body corporate product) • C&G (Contractors all risk and plant all risk) • Chartis (commercial) • Merx (HCV) • Mutual and Federal (commercial) • Renasa (domestic and commercial) • Santam (domestic and commercial) • Zurich (domestic and commercial) • Weston National (commercial) • Etana (commercial).

Inn • • • •

A P B C

Onga Wari Consulting (Pty) Ltd Physical address (head office): Cambridge Office Park, Corner Kirkby and Oxford Streets, Bedfordview, 2007 Phone: +27 (0)82 950 7079 Fax: +27 (0)11 622 5844 Web address: www.owls.za.com E-mail: info@ongawari.com

industry is a long- and short-term insurance administration system solution which will administer an insurer/underwriter/UMA’s entire business from policy inception through to claims payout and/or policy termination. OWLS currently administers hundreds of thousands of policies monthly.

Product information: OWLS (Onga Wari Living Software) for the insurance

Some key features are: • Thin client – OWLS completely web based cont 

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WORLD CLASS SERVICE AT YOUR FINGERTIPS Innovation Maven specialises in providing services and facilities to clients, including: • • • •

A cutting-edge web based system (STRIDE approved) Policy administration Business Intelligence reports Claims Management

Our products and services cover the following key areas:

To see what we can do for your business, contact Innovation Maven today. Johannesburg: Innovation House, 192 Bram Fischer Drive, Randburg Private Bag x99, Bryanston, 2021 T: +27 (0) 11 790 5570 | F: +27 (0) 11 790 5587 Cape Town: 3 High Street, Rosenpark, Bellville Postnet Suite 72, Private Bag X22, Tygervalley, 7536 T: +27 (0) 86 153 6736 | F: +27 (0) 21 914 7431 Durban: 72 Croftbury Drive, Eastbury, Phoenix T: +27 (0) 31 539 4477 | M: +27 (0) 79 495 2506 E: info@imaven.co.za, www.innovationmaven.co.za

UMA_Advert_Final_20131011.indd 1

Innovation Maven (Pty) Ltd is an authorised Financial Services Provider

14/10/2013 10:01:39 AM

SERVICE PROVIDERS

Administrators & Software providers Onga Wari Consulting (Pty) Ltd (CONT.) • Mobile App – OWLS in integrated fully with Android through a custom built dynamic mobile app • Reporting – OWLS can provide any reporting to policy level detail including commission reports, re-insurance reports, debit order rejection lists etc. • Re-insurance – Designed by an actuary,

the re-insurance is integrated into OWLS. • Security – Rated secure by independent USA Internet security audit • Communications – Full SMS, email, fax and VOIP integration • Automated – Runs inter alia the following automated refunds, direct debits, premium collected and rejected, GL, IBNR, UPR, etc.

PROFIDA Physical address (head office): 23 Berghshoop, Durbanville, 7550 Phone: +27 (0)21 075 0215 Web address: www.profida.co.za E-mail: info@profida.co.za Product information: Insurance software solutions for insurers, underwriters, administrators and brokers.

Randmark40 (Pty) Ltd Physical address (head office): 42 Blousuikerbos Road, Protea Valley, Bellville, 7530 Phone: +27 (0)21 913 8167 Fax: +27 (0)86 654 4655 Web address: www.randmark40.com E-mail: jaco@randmark40.com Product information: Randmark40 (Pty) Ltd is better known for the 12-year-old workhorse called the Kevod Insurance System. The next generation and version, Ks4 IDP (Insurance Data Platform), will soon be replacing the tried and trusted KIS system. Ks4 IDP is a true blue blood web-based short-term insurance system designed to

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operate using Firefox, either in your office (recommended) or, if you prefer, on the web. Feel free to give us a call or drop us an e-mail so that we can keep you posted on our progress of integrating Ks4 IDP with the main insurers black boxes. We will first interface before we release and thanks to the efforts of STRIDE ACORD here in SA, Ks4 is designed for all the data the industry will require. Ks4 IDP as with KIS, will be priced per user per month (minimum of five users). None of the percentage of fees or turnover, that is your income.

SERVICE PROVIDERS

Administrators & Software providers STRIDE Physical address (head office): 51 Empire Road, Parktown, 2193 Phone: +27 (0)11 694 3100 Fax: +27 (0)11 726 7508 Web address: www.stridesa.co.za E-mail: jenny@stridesa.co.za

Product information: STRIDE provides a single data standard and data transfer technology (switch) to the short-term insurance industry. We are integrated with most insurers and system providers to enable data flow between systems, brokers, UMAs, insurers and other relevant parties in the insurance transaction.

Sure Settle Physical address (head office): Upper Level, The Posthouse, Bryanston, 2191 Phone: +27 (0)11 467 9798 Fax: +27 (0)86 600 0903 Web address: www.suresettle.co.za E-mail: info@suresettle.co.za Product information: Sure Settle is the only true closed-loop solution suitable for insurance settlements in the retail space. It removes the frustrations experienced with third party paper,

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card and cash-based settlements. Sure Settle reduces the paper trail and all transactions occur in a closed-loop environment up to point of redemption resulting in elimination of fraud and risk. We are the only solution provider that gives the retailer and insurer an electronic voucher platform to redeem and settle at retail POS. Our solution can be white labelled and easily managed by insurers, mandated brokers, retailers and any other organisation within the claim-quote-settlement space.

We simplify insurance ... www.stridesa.co.za

SERVICE PROVIDERS

Administrators & Software providers

Tial Technologies (Pty) Limited Physical address (head office): Block 4, Bentley Office Park, 67 Wessel Road, Rivonia, 2128 Phone: +27 (0)11 807 1030 Fax: +27 (0)11 807 1034 Web address: www.tial.co.za E-mail: info@tial.co.za Product information: Today’s insurance intermediaries must meet new expectations. Consumers demand customised products, tailored to their individual needs. To deliver that level of service, while cutting costs to the minimum, insurance companies and intermediaries of all sizes are turning to Tial’s System A. With Tial’s System A, you

can adapt quickly to changing needs, and maintain the control and visibility necessary to ensure profitable growth. Our comprehensive solution portfolio integrates the entire insurance value chain, from collection of premiums, to claims intimation, through to payment of claims. Just as important, it supports data transparency, data integrity and powerful analytics, giving you the timely, accurate information required for tactical and strategic decisionmaking and reporting. You can also adapt successfully to electronic markets by evolving into a service-oriented architecture that gives customers what they want, when they want it.

Watermark Technologies South Africa (Pty) Ltd Physical address (head office): Block D, Bellevue Campus, 5 Bellevue Road, Kloof, 3610 Phone: +27 (0)31 717 2680 Web address: www.watermarktech.co.za E-mail: info@watermarktech.co.za Product information: Volume is the only programme of its kind available worldwide. Unlike other paperless systems, Volume does not work on an indexed basis and there is no need to name each document. You don’t change the way you work, only where you store your paper. The system is incredibly

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versatile and user friendly and the least computer literate employee will be able to cope really well. The programme has been described as the electronic filing system for people who like working with paper. We can tie in with the majority of policy management systems to automate filing. There is also a facility to take files with you when you have to visit a client, by merely creating a mini data base and loading it on to a memory stick or CD. Volume was designed by people in the insurance industry, for the insurance industry.

Europ Assistance South Africa Physical address (head office): Valley View Office Park, 680 Joseph Lister Street, Constantia Kloof, Ext 31, Roodepoort, 1724 Phone: +27 (0)11 991 8000/9000 Fax: +27 (0)11 991 8001 Web address: www.europassistance.co.za E-mail: info@europassistance.co.za FSP licence number: 5001 Product information: Roadside Assist offers peace of mind through a 24-hour contact centre that will dispatch the appropriate services in the event of a roadside emergency, anywhere in South Africa. Take Me Home is a designated driver service that ensures a safe drive home after a night out, with the added convenience of being

driven home in your own vehicle. The service is available within a 50 km radius of city centres in Johannesburg, Pretoria, Cape Town, Durban, East London, Port Elizabeth and George. Accident Manager activates immediate and professional towing, medical and legal assistance with one call, ensuring that all aspects of a motor vehicle accident are managed proactively and cost effectively. Home Assist is a 24-hour helpline providing assistance for emergency household repairs that could result in further damage if theyâ&#x20AC;&#x2122;re not attended to immediately. It may also refer to a situation where a client has no access to essential services such as electricity, hot water or sanitary use.

Welcome to our world of Care Service We ensure that your members can

ma ke choices, be rewarded, stay healthy, avoid queues, get home safe, fix, be credit healthy, litigate, go green, t ra ve l , find, enjoy , drive, ru n a bu si n e ss , care, claim, move, sleep, learn, receive support, live more than ever before. For more information on our sevice offering e-mail info@europassistance.co.za Europ Assistance SA is a registered Financial Service Provider. FSP 5001

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SERVICE PROVIDERS

Assistant services

SERVICE PROVIDERS

Assistant services Global Choices Physical address (head office): Metropolitan Office Park, Ground Floor, Block G, 82 Wessel Rd, Rivonia, 2191 Phone: +27 (0)860 300 303 Fax: +27 (0)11 807 4641 Web address: www.globalchoices.co.za E-mail: contact@globalchoices.co.za FSP licence number: 44544

have specific protocols down to suburb level across all services.

Product information: Global Choices is an end-to-end value-added solutions company, specialising in the short- and long-term insurance markets; healthcare; retail; and vehicle finance. Global Choices provides customised value-added assistance and emergency services products, personalised to the requirements of brokers, underwriters and insurers.

Global Choices specialises in both proactive risk management products as well as reaction services creating value throughout the insurance products life cycle.

A full service claims and case management centre is housed at the head office in Rivonia, Johannesburg. This call centre is open 24 hours a day, all year and operates as an extension of the clients brand with capacity to

Through the use of technology, clients have the option to have all the services available by customisable apps for use on smartphones and one touch panic buttons on all types and makes of handsets.

Some of the product highlights include: • Roadside assistance and accident management • Commercial roadside assistance • Home assistance and geyser replacements • Home safe chauffeur • Crime assist • Mobile app – search for ‘Global Assist’ in your app store of choice • Intelligent panic

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SERVICE PROVIDERS

Assistant services One Loyalty Rewards Physical address (head office): Offices 201, 202 and 203, 2nd Floor, Benmore Gardens Shopping Centre, Cnr Grayston Dr and Benmore Rd, Sandton, 2146 Phone: +27 (0)11 291 7300 Fax: +27 (0)11 291 7309 Web address: www.oneloyaltyrewards.co.za E-mail: anthony@oneloyalty.co.za Product information: We are a specialist value-added product service provider with exceptional market knowledge and expertise in the following categories:

• All types of company mobile app solutions – incorporating emergency assist benefits and systems integration. • Emergency and non-emergency services • All forms of branded card platforms (membership, cash back, debit, etc.) • Website and mobi site development • All of the above is anchored in with 360-degree marketing support, social media strategy, product coordination and key account management. • Lifestyle/loyalty/travel/concierge and partner discount benefits.

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INSURANCE INDUSTRY MOBILE APPS Incorporating emergency assist benefits and systems integration, our apps are designed with efficiency in mind and offer you the opportunity to own the IP in your app. A unique and innovative approach to engaging with your clients!

Contact us for more information or to tailor-make your app! Anthony Kotton: +27 82 784 4271 / anthony@oneloyalty.co.za Ryan Grill: +27 82 552 8216 / ryan@oneloyalty.co.za Office: +27 11 291 7300 / www.oneloyaltyrewards.co.za All emergency assist services are supplied by One Loyalty Assist

SERVICE PROVIDERS

Car hire First Car Rental Physical address (head office): 106 Constantia Avenue, Pomona, Gauteng, 1619 Phone: +27 (0)861 178 227 Fax: +27 (0)86 674 7089 Web address: www.firstcarrental.co.za E-mail: sarahs@cmh.co.za Product information: Making a noticeable dent in replacement market share in this competitive industry, First Car Rental has a dedicated specialised replacement call centre, which operates on a 24-hour basis, 365 days a year to assist this sector. The procedures in place, as well as the ease of use, passion and commitment of the staff in this department,

make First Car Rental a serious service provider in the replacement market. Information management is of benefit to both the customer and the supplier in respect of analysing respective trends. However, with First Car Rentalâ&#x20AC;&#x2122;s current report writer, they are able to generate reports at any given time at the request of the customer. First Car Rental believes that the analysis of rental trends helps provide innovative rental management solutions, that by sharing updated information and discussing the opportunities, it does indeed give one a competitive edge.

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Gage Car Hire Physical address (head office): 1st Floor, Tropicana House, 1 Palmboom Place, Athol, Ext 12, Sandton, 2146 Phone: +27 (0)11 282 3400 Fax: +27 (0)11 783 1026 Web address: www.gagecarhire.co.za E-mail: info@gagecarhire.co.za

A in u o o re d se

Product information: Gage car hire specialises solely in insurance replacement rentals. If your client is in the unfortunate situation of being in an accident, or their vehicle is stolen, contact us. We have one mission in mind: exceptional service. We are proud partners of Europcar, Tempest and Budget. We have a national network with a flat rate costing.

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First in Car Hire. First in Service.

As a leader in the replacement industry, First Car Rental understands that the true test of replacement expertise is not only in the quick supply of replacement vehicles but in the dedicated on-going turnkey dedica service provided to brokers.

If your clients demand the best, go First.

First in Car Hire First in Service

A member of the

Contact Sarah Schofield for a personal chat on 072 221 0897 or via email at sarahs@cmh.co.za

0861 1ST CAR | 0861 178 227

www.firstcarrental.co.za

SERVICE PROVIDERS

Compliance and practice management Masthead Financial Planning Physical address (head office): 1st Floor, Park Terraces, Mowbray Golf Park (off Raapenberg Rd), Mowbray, 7700 Phone: +27 (0)861 737 858 Fax: +27 (0)86 242 4646 Web address: www.mastheadfp.co.za E-mail: info@mastheadfp.co.za FSP licence number: 43435 Product information: Masthead Financial Planning helps independent financial advisers

stay in business and deal with the many challenges they face, through its excellent platform and national infrastructure. By assuming the key individual responsibilities, we offer advisers the best of both worlds â&#x20AC;&#x201C; you operate under a single master licence, enjoy the benefits of business support, protection against advice risk, share in cost savings and build capital value for succession, but are still able to make independent decisions.

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Servicing short-term insurance financially Meet with us to see what we offer A range of services for the short-term insurance market, including premium handling services, premium financing and broker acquisition funding. Get to know us for what we stand for Comfort, convenience, compliance. Our core values, the essence of our business relationships. Experience what we are good at Servicing short-term insurance financially.

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www.insuregroup.co.za Alpha Call 0861 4 INSURE Maxi Call 0861 4 467873 Email marketing@insuregroup.co.za Insure Group Managers Holdings Ltd is an authorised financial services provider FSP 2882. Insure Group Managers Ltd is an authorised FAIS representative of FSP 2882 and a registered credit provider (NCRCP 131).

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SERVICE PROVIDERS

Education Insurance Learning Academy

(Nouveau Consulting t/a The Insurance Learning Academy) Physical address (head office): Suite 2 Block C, Southdowns Office Park, 22 Karee Street, Irene X54, Centurion, Tshwane, 0157 Phone: +27 (0)86 10 ILASA (45272) or +27 (0)12 665 3465 Fax: +27 (0)86 509 3114 Web address: www.learninsurance.co.za E-mail: info@learninsurance.co.za Product information: Nouveau Consulting t/a The Insurance Learning Academy, provides HR, training and development, as well as social corporate solutions to ensure that our clients’ HR, L&D and CSR goals are aligned and enhanced. What we do: • We offer cost-effective, innovative and simplistic tailor-made solutions. • We conduct free audits and qualification mapping. • Full spectrum insurance qualifications

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• Technical insurance training • Learnerships • Internships • Work readiness programmes • Introduction to insurance programmes • Accreditation and alignment services • RPL once-off assessments against full qualifications • RE Preparatory Workshops to pass RE1 and RE5 • Recruitment services • Management training • Soft skills training • Short programmes in insurance • CPD. Everything that you or your staff require to become and remain fit and proper, we specialise in it. We are passionate about skills development within the insurance industry to ensure that our representatives become and remain competent.

SERVICE PROVIDERS

Glass suppliers National Auto Glass (Pty) Ltd Physical address (head office): 205 Corobrick St, Meadowdale, 1614 Phone: +27 (0)11 723 9100 Fax: +27 (0)11 453 5508 Web address: www.nags.co.za E-mail: keith@naglass.co.za Product information: • National Auto Glass has been in • operation since 1992. • National Auto Glass manufactures and

distributes a wide range of high quality windscreens for the Automotive Replacement Glass (ARG) market in South Africa. • National Auto Glass has a well-established national dealer network of over 150 dealers to provide installation, insurance and support services to the ARG market. • National Auto Glass has a fully integrated insurance claims management system capable over serving all the relevant needs of the insurance companies and their clients.

Novus Glass Physical address (head office): 13 Lakeview Crescent, Kleinfontein Lake Office Park, Benoni, 1501 Phone: +27 (0)11 422 4710 Fax: +27 (0)86 602 7297

Web address: www.nuvusglass.com E-mail: johankok@tiga.co.za Product information: Windscreen repairs and replacements.

Product information: As South Africa’s leading glass retailer, PG Glass provides a comprehensive

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PG Glass (a Division of the PG Group) Physical address (head office): AMR 3, Concorde Road East, Bedfordview, Gauteng Phone: +27 (0)10 215 2700 Fax : +27 (0)10 215 2762 Web address: www.pgglass.co.za E-mail: hjones@pg.co.za

EXC EVE

service and range of products to its market including the insurance industry, fleet customers, the building trade and individual customers via its network of more than 120 fitment centres and 200 mobile units countrywide. Product range: Shatterprufe windscreens, Armourplate side and rear glass, Glassmedic Chip repairs, Lumar safety and security film, aluminium window frames, showers, sliding and patio doors and mirrors.

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EXCEEDING YOUR EXPECTATION EVERY DAY IN EVERY WAY • Windscreen smashed? Smashed, cracked or chipped, we can fix it for you • Blocked drain? We are available day or night to handle your plumbing emergencies, geyser replacement and plumbing maintenance requirements • Ceiling sagging? We handle emergency repairs swiftly and efficiently, 24-hours a day, to avoid further damage • Wires crossed? We can resolve any residential, industrial and commercial electrical requirements, day or night • Want to go green? We offer the best solar solutions with the least fuss and at the most cost effective price Affordable, reliable. One call, problem solved.

HOW CAN WE HELP YOU FIX IT? For more information call us on 08600 24 349 or email info@24Fix.co.za

Supported by Europ Assistance South Africa Europ Assistance SA is a registered Financial Service Provider. FSP 5001

AUTO GLASS

SERVICE PROVIDERS

glass suppliers Windscreen Distributors (Pty) Ltd Physical address: Units 3 and 4, Pelican Park, Malcolm Moodie Crescent, Jet Park, Boksburg, 1459 Phone: +27 (0)11 397 8910 Fax: +27 (0)11 397 8679 Web address: www.windscreendistributors.co.za E-mail: marketing@windscreendistributors.co.za Product Information: Windscreen Distributors is the sole distributor of the Fuyao brand in Southern Africa. We house nine distribution warehouses throughout Southern Africa: Polokwane, Pretoria, Nelspruit, Jet Park (head office), Bloemfontein, Durban, Port Elizabeth, Cape Town and

Harare, Zimbabwe. Fuyao Motor Glass is recognised as the second-largest motor glass manufacturer in the world today and holds distinctive marks of quality being the DOTNorth America, ECE- Europe, JIS- Japan, KS- Korea and the SABS. With this excellence behind the brand, leading insurance companies in South Africa have approved Fuyao for the safety and quality it embraces. Eighty-five per cent of Fuyao’s production is for the original equipment market (OEM). With this in mind, WD’s products are manufactured on the same production line as that of the OEM parts with the same standards and quality controls.

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Legal and compliance services Norton Rose Fulbright South Africa Physical address (head office): Norton Rose Fulbright House, 15 Alice Lane, Sandton, 2146 Phone: +27 (0)11 685 8500 Fax: +27 (0)11 301 3313 Web address: www.nortonrosefulbright.com E-mail: donald.dinnie@nortonrosefulbright.com Product information: Norton Rose Fulbright is a global legal practice. We provide the world’s pre-eminent corporations and financial institutions with a full business law service. We have more than 3 800 lawyers based in over 50 cities across Europe, the United States, Canada, Latin America, Asia, Australia, Africa, the Middle East and Central Asia.

financial institutions; energy; infrastructure, mining and commodities; transport; technology and innovation; and life sciences and healthcare. Wherever we are, we operate in accordance with our global business principles of quality, unity and integrity. We aim to provide the highest possible standard of legal service in each of our offices and to maintain that level of quality at every point of contact. Norton Rose Fulbright LLP, Norton Rose Fulbright Australia, Norton Rose Fulbright Canada LLP, Norton Rose Fulbright South Africa (incorporated as Deneys Reitz Inc).

Recognised for our industry focus, we are strong across all the key industry sectors:

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Wherever you are, youâ&#x20AC;&#x2122;re never that far from the combined force of Norton Rose and Fulbright & Jaworski. As Norton Rose Fulbright, we are now a world-class global legal

practice with full US business law capability, and direct access to the sharpest US legal minds. Our global scope delivers the talent, knowledge and experience you need to provide the momentum for growth, wherever you are in the world.

Law around the world nortonrosefulbright.com

Financial institutions | Energy | Infrastructure, mining and commodities Transport | Technology and innovation | Life sciences and healthcare

SERVICE PROVIDERS

Loss adjusters and assessors Associated Loss Adjusters CC Physical address: Unit 4, Ferndale Mews South, 15 Dover Street (cnr Oak Ave), Ferndale, Randburg, 2194 Phone: +27 (0)11 886 1030 Fax: +27 (0)11 789 5310 Web address: www.alacc.com E-mail: alacc@iafrica.com

• Professionalism – applying the right competencies • Technical expertise – conducting thorough investigations • Integrity – candour and transparency.

Product information: We specialise in the investigation, evaluation and adjustment of short-term insurance claims, as well as reinsurance audits. We provide services to local and international Insurers, intermediaries, underwriting agencies, attorneys and Lloyd’s syndicates throughout the African continent, including Madagascar, Mauritius and Reunion, the Comoros and Seychelles. Our longevity and distinguished reputation as a market leader are built on commitment to: • Independence – establishing the facts

Censeo (Pty) Ltd Physical address (head office): 69 Regency Drive, Block B, Route 21, Corporate Park Irene, 0157 Phone: +27 (0)12 450 9300 Fax: +27 (0)86 5411 697 Web address: www.censeo.co.za E-mail: info@censeo.co.za Product information: Censeo (Pty) Limited provides a high-quality administration, assessing and verification services on a national basis to more than 90 underwriters, underwriting managers and brokerages in the financial services industry in South Africa and some of the SADC countries. Our services include, among others: Short-term insurance industry • General claims assessing, investigation

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and verification • Legal recoveries and collections • Catastrophe management – bulk claims assessing deployment. Life industry • Funeral and hospital plan claims segmentation and investigation • Life, credit life and disability claims assessing and verification • Health claims. General • Certified fraud examinations, investigation and prosecution • Forensic services – segmentation and risk determination through application of the layered voice analysis (LVA) • Client and staff credibility examinations.

Physical address (head office): Crawford House, 17 Muswell Road South, Bryanston, 2021 Phone: +27 (0)11 463 5900 Fax: +27 (0)11 463 5920 Web address: www.crawfordandcompany.co.za E-mail: richard.jackson@crawco.co.za Product information: We are the African unit of Crawford and Company, the worldâ&#x20AC;&#x2122;s leading independent provider of: loss adjusting and claim services (property, engineering, mining,

marine and transportation, business interruption, liability/casualty, IT and telecommunication, power and energy and express claims), consulting (audit, forensic investigation, counter fraud services, educational services, global programmes, pre- and post-loss services, legal and business rescue); and business process outsourcing (claims administration, legal settlement, managed property repair, medical management, product warranty, third party administration).

Proloss Pty Ltd Physical address (head office): WBHO House, Ground Floor, Corner Glenroy and Logan Way, Pinelands, 7405 Phone: +27 (0)21 532 3621 Fax: +27 (0)21 532 3034 Web address: www.proloss.co.za E-mail: capetown@proloss.co.za Product information: The Proloss Group is one of the largest locally owned loss adjusting companies in South Africa focused mainly on corporate and commercial claims working both nationally and internationally. The business is wholly owned by management

and senior employees, while key personnel are shareholders and directors and it holds a consolidated professional indemnity insurance of R50 million. The group is subject to the dictated policies and procedures that have been agreed to on a common basis and subscribe to standards set out by the Institute of Loss Adjusters and the insurance industry, providing our customers in our areas of expertise through our employees, our specialist networks and infrastructure with the necessary insurance, technical and project management skills that will enable us to satisfy market requirements.

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SERVICE PROVIDERS

Crawford & Company (SA) (Pty) Limited

SERVICE PROVIDERS

Panel beaters Auto Magic Holdings (Pty) Ltd Physical address (head office): 13 Lakeview Crescent, Kleinfontein Lake Office Park, Benoni, 1501 Phone: +27 (0)11 422 4710 Fax: +27 (0)86 602 7297 Web address: www.automagic.co.za E-mail: info@automaigc.co.za Product information: Offering years of panel beating experience, both our dent repair and auto repair craftsmen contribute to our overall specialised services. Our numerous branches located around South

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Africa all offer the same unparalleled quality within various panel beating and auto repair services: • Bonnet, bumper and boot lid replacement and repair • Fender, door and headlight replacement and repair • Replacement and repair of all mag wheels • Hail damage repair • Rust spot damage repair • Spray painting and colour coding to all areas of the vehicle • Professional polishing to all surfaces.

SERVICE PROVIDERS

Premium Collections Fulcrum Group (Pty) Ltd Postal address (head office): PO Box 849, Riverclub, 2149 Phone: +27 (0)10 001 2860 Fax: +27 (0)10 001 2859 Web address: www.thefulcrumgroup.co.za E-mail: info@thefulcrumgroup.co.za FSP Treasury licence number: 44128 FSP Collections licence number: 17795

who wish to finance their annual short-term insurance premiums.

Product information: Fulcrum is an integrated financial services group offering innovative solutions across premium financing, collections, specialist financing and treasury services to the insurance market.

Solvency relief finance Fulcrum Finance offers accounts receivable funding facilities for insurers and underwriting managers.

Fulcrum Collections Fulcrum Collections IGF Guarantee allows us to collect premiums on behalf of our clients, disburse commissions and fees to brokers and pay the premium to insurers and any other approved parties.

Broker acquisition finance Fulcrum Finance assists brokers with innovative and flexible financing arrangements to enable them to acquire brokerages or books of business.

This service enables the insurer to receive cash up front, thus alleviating any solvency strain that may occur due to the long term nature of its underlying debtor’s book(s). Working capital funding Fulcrum’s working capital finance solutions help our customers plan and manage their everyday cash flow.

Fulcrum Finance Premium finance Fulcrum Finance provides a premium finance facility for corporate and commercial clients

Fulcrum treasury Through Fulcrum reasury we help increase the yield on our client’s cash holdings without increasing the risk profile.

Risk management companies Excel Recovery Services (Pty) Ltd Physical address (head office): Unit 1, 5 Garsfontein Office Park, 645 Jacqueline Drive, Garsfontein, Pretoria, 0001 Phone: +27 (0)86 111 3826 Fax: +27 (0)86 511 3964 Web address: www.excelrs.co.za E-mail: info@excelrs.co.za

Product information: Excel Recovery Services (Pty) Ltd is a specialist in third party recovery and liability claims. We assist in the management of loss ratio. With our specialised knowledge of dilectual liability in motor law, we assure you of excellent recovery ratios and savings on liability claims. cont 

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SERVICE PROVIDERS

Risk management companies Excel Recovery Services (Pty) Ltd (CONT.) The ERS Internet-based reporting system is unique in design and use. By means of this system, our clients can access the progress of any recovery/liability at any time via the Internet. They can also generate reports for own use from this system. The system

allows the main user access to all claims, while subsidiaries only have access to their specific claims. Our team consists of attorneys, trained recovery agents and investigators.

Lightstone Physical address (head office): The Braes Office Park, 193 Bryanston Drive, Bryanston, 2021 Phone: +27 (0)11 244 8400 Fax: +27 (0)11 244 8444 Web address: www.lightstone.co.za E-mail: auto@lightstone.co.za Product information: With the use of our comprehensive data, systems and analytics, we help insurers reduce unknown risk, improve operational efficiency, squeeze out fraud and grow revenues. Among our many solutions is a unique and patented mobile pre-inspection mobile app where we accurately confirm the status and condition of a vehicle. Incorporating

innovative technologies like vehicle licence disc and driverâ&#x20AC;&#x2122;s licence card scanning and time- and location-stamped photos, we allow insurers to quickly deploy a pre-inspection solution through professional inspection channels or to the policyholder. This brings significant benefits in terms of customer convenience, accuracy of data and an audit trail of the whole inspection process. We also offer a range of vehicle validation tools using just the licence plate number, which are deployed directly into insurance and broker management systems. These bring significant speed and accuracy to the quoting and renewals process.

Masthead (Pty) Ltd Physical address (head office): 1st Floor, Park Terraces, Mowbray Golf Park (off Raapenberg Rd), Mowbray, 7700 Phone: +27 (0)21 686 3588 Fax: +27 (0)21 686 3589 Web address: www.masthead.co.za E-mail: info@masthead.co.za Product information: Masthead is a national support network for the professional financial adviser community providing compliance, business development and other support services both locally and abroad. Established in 2004 to support independent financial

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advisers, Masthead has grown and is now the largest compliance services provider to financial services providers in South Africa. Our unique approach and delivery ensures that financial services providers comply with all relevant and applicable legislation, while at the same time focusing on opportunities to grow profits and build capital value in the business. Our highly experienced staff are qualified to deliver compliance services to all businesses, ranging from sole proprietors to bigger corporates with representatives, across all FSP licence categories and sub-categories.

Altech Netstar and branches in Port Elizabeth, Rustenburg, Richards Bay, Newcastle, Witbank, Bloemfontein, Polokwane and Nelspruit.

Physical address (head office): Central Park Offices, Block O, 16th Road, Midrand, 1682 Phone: +27 (0)11 207 5000 Fax: +27 (0)11 315 6190 Web address: www.netstar.altech.co.za E-mail: ts@netstar.altech.co.za

Over 10 000 Altech Netstar tracking systems are installed per month, through a network of over 100 fitment centres around the country. With its footprint extending into Southern Africa and its exclusive ground and air recovery teams, Altech Netstar is able to recover vehicles in an average time of less than an hour. Without having to rely on the SAPS, Altech Netstar can respond immediately and, where possible, hand the recovered vehicle directly back to the owner.

Product information: Altech Netstar pioneered the stolen vehicle tracking and recovery industry in SA in 1994, and is the market leader in terms of size, product range, and an unsurpassed private recovery infrastructure. Altech Netstar employs over 800 people at its head office in Midrand, regional offices in Durban and Cape Town

Manufacturers and suppliers of Real FMX and Real Track

Original equipment manufacturer

• • • • •

Fleet management and vehicle tracking with • Customised functions and outputs • Full back-up service • Engine protection and fuel savings • Vehicle abuse reports • Driver behaviour monitored • Automated renewal reminders (PDP, medical, driver / vehicle licenses)

Market leader in simple, reliable fleet management of materials handling equipment Alarms and reports generated Compatible with any forklift Parameters of use can be specified Driver incentive programmes enhanced

• • • •

Performance indicators Trip and incident histories Real time GPS positioning Geofencing: keep-in and keep-out zones NEW! R.T. Core with reduced functions and even better pricing

0861 000 342 • sales@realtelematics.co.za • www.realtelematics.co.za

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SERVICE PROVIDERS

Telematics

SERVICE PROVIDERS

Telematics PFK Electronics (Pty) Ltd | Autowatch Tracking Physical address (head office): 488 Umbilo Road, Durban, 4001 Phone: +27 (0)31 274 7200 Fax: +27 (0)31 205 4324 Web address: www.pfk.co.za/tracking/index.htm E-mail: info@pfk.co.za Product information: Autowatch Tracking provides the following products: • Driver profiling • Telematics • Video fleet management • Interlock breathalysers

• Fleet management • Stolen vehicle recovery • Asset tracking • Leisure tracking. These products are supported by: • 24/7 Emergency control centre with armed reaction throughout South Africa • 24/7 Customer support centre • 24/7 Proactive risk management control centre • 500+ Fitment centres throughout South Africa • 24/7 Technical support • Mobile motorcycle fitment infrastructure • Advanced driving call centre • Sales and admin call centres. Designed and manufactured in-house with a state-of-the-art manufacturing facility, PFK Electronics has been in the motor vehicle security industry since 1969 and its trackingfocused brand, Autowatch Tracking, has been a positive influence in South Africa for the last four years. The Autowatch Profiler has been designed to cater to the needs and requirements of insurers.

Real Telematics (Pty) Ltd Physical address (head office): 8 Wareing Park, 2 Wareing Road, Pinetown, 3610 Phone: +27 (0)861 000 342 Fax: +27 (0)865 552 740 Web address: www.realtelematics.co.za E-mail: sales@realtelematics.co.za Product information: Real Telematics is a South African company that manufactures and sells customised, affordable technology for fleet management, vehicle tracking and various other applications.

Nationwide sales and customer service is available. The product range includes Real FMX (for monitoring and reporting on materials handling equipment and drivers), Real Track (for real-time positioning and driver behaviour stats), Real Vend (handheld terminals for pre-paid services, rapidly expanding throughout Africa), Real Bet (electronic terminals for gambling institutions) and Real Log (fixed emplacement monitoring, e.g. energy and municipal services).

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SERVICE PROVIDERS

Telematics Tracker Physical address (head office): Stonemill Office Park, 340 Republic Road, Darrenwood, 2194 Phone: +27 (0)11 380 0300 Fax: +27 (0)11 215 8900 Web address: www.tracker.co.za E-mail: spage@tracker.co.za Product information: Tracker has been South Africa’s leading vehicle tracking company since the 1990s. While vehicle tracking and stolen vehicle recovery (SVR) remains the company’s core business, the Tracker of today has evolved into a highly sophisticated technological company offering leading edge fleet management and telematics solutions to both individuals and organisations throughout Southern Africa. Tracker has developed important

relationships with the insurance industry, vehicle manufacturers and dealerships as well as fitment centres and finance institutions. It also benefits from a formal partnership with the SAPS. By combining world-class products and services and feeding intelligent and accurate information back to both individual customers and businesses alike, Tracker believes that it can truly improve the lives of South Africans in ways that extend beyond only vehicle recovery. By arresting thousands of criminals, saving hundreds of lives, and preventing scores of future crimes from ever happening, Tracker is and always will be a powerful force for good in South Africa dedicated to bringing down crime and Taking Back Tomorrow for all its people.

Verifiers, appraisers and valuers Qantam Risk Assessment (Pty) Ltd Physical address (head office): PostNet Suite 464, Private Bag X8, Northriding, 2162 Phone: +27 (0)861 726 747 Fax: +27 (0)11 791 1089 Web address: www.qantam.co.za E-mail: info@qantam.co.za FSP licence number: 3349 Product information: Qantam offers verifications (valuations/asset inventories) of household contents and buildings, and commercial contents and buildings. Underinsurance has always been a cause for concern in the insurance industry and our services pave the way to the future of average-free insurance. We have 26 years of experience in the field of insurance verifications and have

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completed over 110 000 reflecting that 80 per cent of clients are underinsured by 52 per cent. With extensive knowledge of valuables such as artwork, antiques, oriental carpets, Qantam has a formidable team with national coverage. We are registered with the FSB and have substantial professional indemnity cover. Some benefits: Improved loss ratios • Reduced fraud incidence • Improved underwriting with the risk surveys and underwriting factors • Increased premium from correct sums insured • Reduced claims costs • Achieve a competitive edge as a consequence of a cleaner book • Better client care image – Treating Customers Fairly • No average.

INDEX OF UMAs Agriculture and farming P34 Alternative Commercial Acceptances (Pty) Ltd P34 African Rand Underwriting Managers (Pty) Ltd P36 Insurance Underwriting Managers (Pty) Ltd P36 Landmark Underwriting Agency P37 Riscor Underwriting Managers Art & Collectibles P38 Artinsure Underwriting Managers (Pty) Ltd Aviation P38 Aeronautica Underwriting Managers Pty (Ltd) P39 Airspace Africa Underwriters P39 Azriel Aero Aviation Underwriting Managers Bankersâ&#x20AC;&#x2122; blanket bonds P42 Camargue Underwriting Managers Bed and breakfast and guesthouse insurance P42 BnB Sure (Pty) Ltd P42 HIC Underwriting Managers (Pty) Ltd Bicycle insurance P44 Policy Provider Underwriting Managers Bloodstock P44 Kuda Insurance Administrators (Pty) Ltd P45 PSG Nucleus Body corporate and sectional title P46 Camargue Underwriting Managers P46 CIA Commercial & Industrial Acceptances (Pty) Ltd P47 Insurance Underwriting Managers (Pty) Ltd P48 Insurance Zone P48 Stilus Underwriting Managers (Pty) Ltd Broad-form liability cover P48 Camargue Underwriting Managers P49 Leppard & Associates (Pty) Ltd P49 Risk Technical Services P50 Stalker Hutchison Admiral (Pty) Ltd (SHA)

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By Category

Building insurance P52 CIA Commercial & Industrial Acceptances (Pty) Ltd Buses (Passenger Transport Vehicle Insurance) P53 Insurance Underwriting Managers (Pty) Ltd Cellular phone insurance P56 Administration Plus (Pty) Ltd Commercial insurance P56 Ad Ultimum Outsourcing (Pty) Ltd P57 African Rand Underwriting Managers (Pty) Ltd P57 Alternative Commercial Acceptances (Pty) Ltd P58 Camargue Underwriting Managers P58 Financed Asset Underwriters P60 Ibiliti Underwriting Managers (Pty) Ltd P60 Insurance Underwriting Managers (Pty) Ltd P61 Insurance Zone P61 Paradigm Risk Consultants (Pty) Ltd P62 Quicksure Commercial (Pty) Ltd P62 Riscor Underwriting Managers P64 Tradesure Commercial Specialists P64 Tradesure Truck and Marine P64 Vulindlela Underwriting Managers (Pty) Ltd Commercial and industrial risks P65 HIC Underwriting Managers (Pty) Ltd P65 Insurance Underwriting Managers (Pty) Ltd P66 Strategic Insurance Systems P66 Transition Risk Solutions (Pty) Ltd Construction and engineering insurance P67 AC and E Engineering Underwriting Managers (Pty) Ltd P68 C&G Underwriting Managers Pty (Ltd) P68 Firedart and Construction Guarantee P69 Mirabilis Engineering Underwriting Managers (Pty) Ltd P69 Refine Underwriting Managers (Pty) Ltd P69 Risk Technical Services Construction and retention guarantees P70 Eton Road Underwriting Managers (Pty) Ltd (ERUM) P70 Scintilla (Pty) Ltd

y) Ltd

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) Ltd ) Ltd

Consumer protection insurance P70 Dealers Indemnity (Pty) Ltd P72 Makgethe Benefits Contract guarantees P72 Firedart and Construction Guarantee P72 Performance and Customs Bond Services (Pty) Ltd P74 Refine Underwriting Managers (Pty) Ltd Corporate property and engineering insurance P74 Emerald Risk Transfer (Pty) Ltd P76 Inniu Underwriting Services (Pty) Ltd Court bonds P76 Buckingham Risk Solutions P76 Shackleton Risk Management Credit insurance P78 Credit Guarantee Insurance Corporation of Africa Limited P78 PinnAfrica Insurance Underwriting Managers Credit Guarantee P78 GS Guarantee Specialists Cyber liability (See IT Security) P141 Camargue Underwriting Managers Directors’ and officers’ liability insurance P82 Camargue Underwriting Managers P82 Stalker Hutchison Admiral (Pty) Ltd (SHA) Employment practices liability P86 Camargue Underwriting Managers P86 Stalker Hutchison Admiral (Pty) Ltd (SHA) Engineering insurance P88 Emerald Risk Transfer

Engineering risks and engineering insurance P88 AC and E Engineering Underwriting Managers (Pty) Ltd P90 Consort Technical Underwriting Managers (Pty) Ltd P88 Emerald Risk Transfer (Pty) Ltd (See Engineering Insurance) P90 Eton Road Underwriting Managers (Pty) Ltd (ERUM) P92 FDM Engineering Underwriting (Pty) Ltd P92 Firedart and Construction Guarantee P94 Insurance Underwriting Managers (Pty) Ltd P96 Mirabilis Engineering Underwriting Managers (Pty) Ltd P97 Scintilla (Pty) Ltd Environmental impairment liability P98 Camargue Underwriting Managers P99 Envirosure Underwriting Manager (Pty) Ltd P100 Stalker Hutchison Admiral (Pty) Ltd (SHA) P101 Synergy Targeted Risk Solutions (Pty) Ltd Equipment All Risk P102 KEU Underwriting Managers CC Excess insurance P104 Ibiliti Underwriting Managers (Pty) Ltd P104 Policy Provider Underwriting Managers Event liability P102 KEU Underwriting Managers CC P103 Leppard & Associates (Pty) Ltd Event cancellation (see event insurance) P102 KEU Underwriting Managers CC Factory and industrial P108 Factory and Industrial Fidelity guarantee P108 Stalker Hutchison Admiral (Pty) Ltd (SHA) Film producers’ indemnity/Film and entertainment P109 Film & Entertainment Underwriters SA (Pty) Ltd P110 KEU Underwriting Managers CC

307

INDEX OF UMAs Fuel guarantee cover P110 Garagesure Consultants and Acceptances P111 Insurance Underwriting Managers (Pty) Ltd P112 Refine Underwriting Managers (Pty) Ltd Fuel guarantee cover and Filling station cover (See Fuel Guarantee) P110 Garagesure Consultants and Acceptances P111 Insurance Underwriting Managers (Pty) Ltd P112 Refine Underwriting Managers (Pty) Ltd P176 Gap cover (see Niche gap cover) General and broad-form liability P112 Camargue Underwriting Managers Goods in transit/Inland transit P112 Associated Marine P114 Beyonda Group (Pty) Ltd P114 Financed Asset Underwriters P116 Lynx Transport Underwriting Managers (Pty) Ltd P116 Policy Provider Underwriting Managers P117 Regal HCV (Pty) Ltd P118 Transit Underwriting Managers (Pty) Ltd P118 Tradesure Commercial Specialists P118 Tradesure Truck and Marine P118 XL Transit Graduate professionals P119 Ibiliti Underwriting Managers (Pty) Ltd Hauliers’ combination insurance P122 Financed Asset Underwriters P122 Insurance Underwriting Managers (Pty) Ltd P123 Regal HCV (Pty) Ltd Health and accident P124 accidentANGELS P124 Ambledown Financial Services (Pty) Ltd P124 Health and Accident Underwriting Managers (Pty) Ltd P125 Oneplan Health Insurance P125 Universal Acceptances

308 10

By Category

Heavy commercial vehicle cover P126 Beyonda Group (Pty) Ltd P126 Captive Business Consultants (Pty) Ltd P128 Insurance Underwriting Managers (Pty) Ltd P128 Insurance Zone P130 Lynx Transport Underwriting Managers (Pty) Ltd P129 Merx HCV P132 Regal HCV (Pty) Ltd P133 Tradesure Commercial Specialists and Truck and Marine P134 HIV Life Cover - AllLife (Pty) Ltd Hole-in-one cover P134 Stalker Hutchison Admiral (Pty) Ltd (SHA) Homeowners’ insurance P135 Insurance Underwriting Managers (Pty) Ltd P135 CIA Commercial & Industrial Acceptances (Pty) Ltd Hospitality and leisure industry P136 Alternative Commercial Acceptances (Pty) Ltd P136 Ascent Underwriting Managers (Pty) Ltd P137 Factory and Industrial P137 HIC Underwriting Managers (Pty) Ltd P138 Hospitality & Leisure Underwriters P138 saXum Hospitality Hull insurance P139 Associated Marine P139 Astra Maritime Underwriting Managers (Pty) Ltd Income protection P140 FMI P140 Policy Provider Underwriting Managers IT Security/Cyber Liability P141 Camargue Underwriting Managers P141 CyGeist P142 Stalker Hutchison Admiral (Pty) Ltd (SHA) Jewellers’ block P143 Gem & Jewel Acceptances (Pty) Ltd Kidnap and ransom insurance P146 Praesidio Risk Managers (Pty) Ltd

Legal services P147 Infiniti Legal Sense P147 Legal Exchange Corporation – LEXCorp P148 Stilus Underwriting Managers (Pty) Ltd Leisure industry P148 Cara-Sure (Pty) Ltd P149 Insurance Underwriting Managers (Pty) Ltd Levy insurance (see Body corporate and sectional title) P48 Stilus Underwriting Managers (Pty) Ltd Livestock P149 African Rand Underwriting Managers (Pty) Ltd Malpractice (allied health professionals) P152 Camargue Underwriting Managers Management liability P152 Camargue Underwriting Managers Marine cargo P152 Associated Marine P154 Horizon Underwriting Managers (Pty) Ltd P154 Transit Underwriting Managers (Pty) Ltd Marine Risks P155 Astra Maritime Underwriting Managers (Pty) Ltd P156 Cross Country Insurance Consultants (Pty) Ltd P156 Devereux Marine cc P156 Horizon Underwriting Managers (Pty) Limited P157 Marine Underwriting Managers (Pty) Ltd P157 Navigate Underwriting Managers (Pty) Ltd P157 Vanguard Marine & Leisure Marine and special risks P158 Associated Marine P158 Tri-Marine Acceptances (Pty) Ltd Medical malpractice insurance P158 Camargue Underwriting Managers P160 General & Professional Liability Acceptances

Metal risks P160 Factory and Industrial Misappropriation of trust funds insurance P161Camargue Underwriting Managers Motor acceptances P161 Stalker Hutchison Admiral (Pty) Ltd (SHA) Motor fleet P161 African Motor Underwriters P162 HIC Underwriting Managers (Pty) Ltd P162 Insurance Underwriting Managers (Pty) Ltd P163 Motor Acceptances P164 Paladin Underwriting Managers Motorcycles and quad bikes P164 Cross Country Insurance Consultants (Pty) Ltd P165 Insurance Underwriting Managers (Pty) Ltd P166 Tradesure Commercial Specialists and Tradesure Truck and Marine Motor – niche/special requirements P166 Chartered Auto Underwriting Agency (Pty) Ltd P166 Empire Insurance Administrators P167 Genric Automotive Underwriting Managers (Pty) Ltd P167 Hamba Kahle Underwriting Managers P168 Policy Provider Underwriting Managers P168 Roadcom TopTrans (Pty) Ltd P169 X’S Sure (Pty) Ltd Motor Small Area Repair P170 Genric Automotive Underwriting Managers (Pty) Ltd P170 Small Area Repair Technology Underwriting Managers (Pty) Ltd t/a Smart Motor traders P171 Auto Trade Underwriting Managers (Pty) Ltd P171 Insurance Underwriting Managers (Pty) Ltd P172 Tradesure Commercial Specialists and Tradesure Truck and Marine

309

INDEX OF UMAs Motor vehicle personal accident cover P172 Flexible Accident and Sickness Acceptances (Pty) Ltd P172 Vehicle Injury Protection (Pty) Ltd Motor warranties/mechanical breakdown P174Genric Automotive Underwriting Managers (Pty) Ltd P174 Impac Underwriting Managers (Pty) Ltd Niche disability P174 FMI Niche gap cover P176 Alternative Commercial Acceptances (Pty) Ltd P176 Health and Accident Underwriting Managers (Pty) Ltd Pension fund trusteesâ&#x20AC;&#x2122; liability P180 Camargue Underwriting Managers Performance guarantees P180 Firedart and Construction Guarantee P182 Refine Underwriting Managers (Pty) Ltd Personal accident P182 Flexible Accident and Sickness Acceptances (Pty) Ltd (FASA) P183 Praesidio Risk Managers (Pty) Ltd P184 Stalker Hutchison Admiral (Pty) Ltd (SHA) Personal lines P185 Ad Ultimum Outsourcing (Pty) Ltd P185 Anchor Risk Management (Pty) Ltd P186 Aquarius Underwriting Managers (Pty) Ltd P187 Genric Automotive Underwriting Managers (Pty) Ltd P187 Insurance Zone P188 Paradigm Risk Consultants (Pty) Ltd P188 Quicksure (Pty) Ltd P188 Riscor Underwriting Managers P189 SA Underwriting Agencies P189 Strategic Insurance Systems

310 12

By Category

Pets and leisure horses P190 Onepet Pet Insurance P190 Petsure (Pty) Ltd P190 Pet Underwriting Managing Agency (Pty) Ltd (P.UMA) Photographic equipment P192 Artinsure Underwriting Managers (Pty) Ltd Plastic risks P192 Factory and Industrial Prize Indemnity P193 KEU Underwriting Managers CC Product guarantee/recall P194 Camargue Underwriting Managers P194 Stalker Hutchison Admiral (Pty) Ltd (SHA) Professional indemnity insurance P194 Camargue Underwriting Managers P195 General & Professional Liability Acceptances P196 IBG Underwriting Managers (Pty) Ltd P196 Leppard & Associates (Pty) Ltd P198 Manwood Underwriters (Pty) Ltd P198 Quantum Liability Underwriting Managers (Pty) Ltd P199 Risk Technical Services P199 Shackleton Risk Management P200 Stalker Hutchison Admiral (Pty) Ltd (SHA) Professional indemnity â&#x20AC;&#x201C; single projects P200 Stalker Hutchison Admiral (Pty) Ltd (SHA) Renewable energy P202 C&G Underwriting Managers Pty (Ltd) P202 Mirabilis Engineering Underwriting Managers (Pty) Ltd Schools P206 HIC Underwriting Managers (Pty) Ltd P206 Insurance Underwriting Managers (Pty) Ltd P206 Stalker Hutchison Admiral (Pty) Ltd (SHA)

Sectional title P207 Camargue Underwriting Managers P207 CIA Commercial & Industrial Acceptances (Pty) Ltd P208 HIC Underwriting Managers (Pty) Ltd Security liability P208 Camargue Underwriting Managers P209 Quantum Liability Underwriting Managers (Pty) Ltd Self-insurance P209 Insurance Underwriting Managers (Pty) Ltd Specialised domestic insurance P210 Alternative Commercial Acceptances (Pty) Ltd P211 Aquarius Underwriting Managers (Pty) Ltd P212 Echelon Private Client Solutions P213 MUA Insurance Acceptances (Pty) Ltd P214 Zenith Product Design (Pty) Ltd Specialised insurance for 4x4 owners P214 Cross Country Insurance Consultants (Pty) Ltd Specialised insurance for buildings P216 CIA Commercial & Industrial Acceptances (Pty) Ltd Specialised high-value executive motor vehicles P217 Aquarius Underwriting Managers (Pty) Ltd P218 Insurance Zone P218 MUA Insurance Acceptances (Pty) Ltd

Sports insurance P221 Stalker Hutchison Admiral (Pty) Ltd (SHA) Surety P221 Performance and Customs Bond Services (Pty) Ltd Tax insurance P224 Qdos Underwriting Managers (Pty) Ltd Taxi insurance P224 Clarendon Transport Underwriting Managers (Pty) Ltd P228 Renasa Taxi Underwriters (Pty) Ltd P228 Vulindlela Underwriting Managers (Pty) Ltd Thatch risk P229 Factory and Industrial P229 HIC Underwriting Managers (Pty) Ltd P230 Thatch Risk Acceptances Tourism insurance P230 Ascent Underwriting Managers (Pty) Ltd P231 HIC Underwriting Managers (Pty) Ltd P231 Insurance Underwriting Managers (Pty) Ltd Travel insurance P232 Oojah Travel Protection (Pty) Ltd (Hollard) P232 Travel Insurance Consultants (TIC) Truck (Heavy commercial vehicle) P233 Tradesure Commercial Specialists P233 Tradesure Truck and Marine Watercraft and leisure P234 Insurance Underwriting Managers (Pty) Ltd P235 Insurance Zone P235 Vanguard Marine & Leisure

Specialised small/ medium commercial business P219 Frontline Underwriting Managers (Pty) Ltd

Wildlife (game) insurance P236 AnimalSure Administrators (Pty) Ltd

Specie insurance P220 Polygon Underwriting Agency (Pty) Ltd

Woodworking risks and sawmills P236 Factory and Industrial

311 13

UMA COMPANY LISTINGS AC and E Engineering Underwriting Managers (Pty) Ltd P67 Construction and engineering insurance P88 Engineering risks and engineering insurance Alternative Commercial Acceptances (Pty) Ltd P34 Agriculture and farming P57 Commercial insurance P136 Hospitality and leisure industry P176 Niche gap cover P210 Specialised domestic insurance accidentANGELS P124 Health and accident Ad Ultimum Outsourcing (Pty) Ltd P56 Commercial insurance P185 Personal lines Administration Plus (Pty) Ltd P56 Cellular phone insurance

AnimalSure Administrators (Pty) Ltd P236 Wildlife (game) insurance Aquarius Underwriting Managers (Pty) Ltd P186 Personal lines P211 Specialised domestic insurance P217 Specialised high-value executive motor vehicles Artinsure Underwriting Managers (Pty) Ltd P38 Art and collectibles P192 Photographic Equipment Ascent Underwriting Managers (Pty) Ltd P136 Hospitality and leisure industry P230 Tourism insurance Associated Marine P112 Goods in transit/Inland transit P139 Hull insurance P152 Marine cargo P158 Marine and special risks

Aeronautica Underwriting Managers Pty (Ltd) P38 Aviation

Astra Maritime Underwriting Managers (Pty) Ltd P139 Hull insurance P155 Marine risks

African Motor Underwriters P161 Motor fleet

Auto Trade Underwriting Managers (Pty) Ltd P171 Motor traders

African Rand Underwriting Managers (Pty) Ltd P34 Agriculture and farming P57 Commercial insurance P149 Livestock

Azriel Aero Aviation Underwriting Managers (Pty) Ltd P39 Aviation Insurance

Airspace Africa Underwriters P39 Aviation

Beyonda Group (Pty) Ltd P114 Goods in transit/Inland transit P126 Heavy commercial vehicle cover

Ambledown Financial Services (Pty) Ltd P124 Health and accident

BnB Sure (Pty) Ltd P42 Bed and breakfast and guesthouse insurance

Anchor Risk Management (Pty) Ltd P185 Personal lines

Buckingham Risk Solutions P76 Court bonds

312

Camargue Underwriting Managers P42 Bankers’ blanket bonds P46 Body corporate and sectional title P48 Broad-form liability cover P58 Commercial insurance P141 IT Security/ Cyber liability P82 Directors’ and officers’ liability insurance P86 Employment practices liability P98 Environmental impairment liability P112 General and broad-form liability P152 Malpractice (allied health professionals) P152 Management liability P158 Medical malpractice insurance P161 Misappropriation of trust funds insurance P180 Pension fund trustees’ liability P194 Product guarantee/recall P194 Professional indemnity insurance P207 Sectional title P208 Security liability Captive Business Consultants (Pty) Ltd P126 Heavy commercial vehicle cover Cara-Sure (Pty) Ltd P148 Leisure industry C&G Underwriting Managers Pty (Ltd) P68 Construction and engineering insurance P202 Renewable energy Chartered Auto Underwriting Agency (Pty) Ltd P166 Motor – niche/special requirements CIA Commercial & Industrial Acceptances (Pty) Ltd P46 Body corporate and sectional title P52 Building insurance Clarendon Transport Underwriting Managers (Pty) Ltd P224 Taxi insurance Consort Technical Underwriting Managers (Pty) Ltd P90 Engineering risks and engineering insurance

Credit Guarantee Insurance Corporation of Africa Limited P78 Credit insurance Cross Country Insurance Consultants (Pty) Ltd P214 Specialised insurance for 4x4 owners P156 Marine risks P164 Motorcycles and quad bikes CyGeist P141 IT Security/Cyber Liability Dealers Indemnity (Pty) Ltd P70 Consumer protection insurance Devereux Marine cc P158 Marine risks Echelon Private Client Solutions P212 Specialised domestic insurance Emerald Risk Transfer (Pty) Ltd P74 Corporate property P88 Engineering insurance Empire Insurance Administrators P166 Motor – niche/special requirements Envirosure Underwriting Manager (Pty) Ltd P99 Environmental impairment liability Eton Road Underwriting Managers (Pty) Ltd (ERUM) P70 Construction and retention guarantees P99 Engineering risks and engineering insurance Factory and Industrial P108 Factory and industrial P137 Hospitality and leisure industry P160 Metal risks P192 Plastic risks P229 Thatch risk P236 Woodworking risks and sawmills

313

COMPANY LISTINGS FDM Engineering Underwriting (Pty) Ltd P92 Engineering risks and engineering insurance

GS Guarantee Specialists P78 Credit Guarantee

Film & Entertainment Underwriters SA (Pty) Ltd P109 Film producers’ indemnity/Film and entertainment

Hamba Kahle Underwriting Managers P167 Motor – niche/special requirements

Financed Asset Underwriters P58 Commercial insurance P114 Goods in transit/inland transit P122 Hauliers combination insurance Firedart and Construction Guarantee P68 Construction and engineering insurance P72 Contract guarantees P92 Engineering risks and engineering insurance P180 Performance guarantees Flexible Accident and Sickness Acceptances (Pty) Ltd P172 Motor vehicle personal accident cover P182 Personal accident FMI P140 Income protection P174 Niche disability Frontline Underwriting Managers (Pty) Ltd P219 Specialised small medium commercial business Garagesure Consultants and Acceptances P110 Fuel guarantee cover and Filling station cover Gem & Jewel Acceptances (Pty) Ltd P143 Jewellers’ block General & Professional Liability Acceptances P160 Medical malpractice insurance P195 Professional indemnity insurance Genric Automotive Underwriting Managers (Pty) Ltd P167 Motor – Niche/Special requirements P170 Motor – Small area repair P187 Personal lines P174 Motor warranties/Mechanical breakdown

314 10

Health and Accident Underwriting Managers (Pty) Ltd P176 Niche gap cover P124 Health and accident HIC Underwriting Managers (Pty) Ltd P42 Bed and breakfast and guesthouse insurance P65 Commercial and industrial risks P137 Hospitality and leisure industry P162 Motor fleet P206 Schools P208 Sectional title P229 Thatch risk P231 Tourism insurance Horizon Underwriting Managers (Pty) Ltd P154 Marine Cargo P156 Marine Risks Hospitality & Leisure Underwriters P138 Hospitality and leisure industry IBG Underwriting Managers (Pty) Ltd P196 Professional indemnity insurance Ibiliti Underwriting Managers (Pty) Ltd P60 Commercial insurance P104 Excess insurance P119 Graduate professionals Impac Underwriting Managers (Pty) Ltd P174 Motor warranties/mechanical breakdown Infiniti Legal Sense P147 Legal services Inniu Underwriting P76 Corporate property and engineering insurance

Insurance Underwriting Managers (Pty) Ltd P36 Agriculture and farming P47 Body corporate and sectional title P53 Buses (Passenger Transport Vehicle Insurance) P60 Commercial insurance P65 Commercial and industrial risks P94 Engineering risks and engineering insurance P111 Fuel guarantee cover and filling station cover P122 Hauliers’ combination insurance P128 Heavy commercial vehicle cover P135 Homeowners’ insurance P149 Leisure industry P165 Motorcycles and quad bikes P162 Motor fleet P171 Motor traders P206 Schools P209 Self-insurance P231 Tourism insurance P234 Watercraft and leisure

Legal Exchange Corporation – LEXCorp P147 Legal services

Insurance Zone P61 Commercial insurance P187 Personal lines P252 Watercraft and leisure P128 Heavy commercial vehicle cover P218 Specialised high-value executive motor vehicles P48 Body corporate and sectional title

Marine Underwriting Managers (Pty) Ltd P157 Marine risks

KEU Underwriting Managers CC P102 Equipment all risk P102 Event liability and Event cancellation P110 Film producers’ indemnity/Film and entertainment P193 Prize Indemnity P252 Sports contests (hole-in-one insurance/record cover/ performance bonus cover/chance wins)

Leppard & Associates (Pty) Ltd P49 Broad-form liability cover P103 Event liability P196 Professional indemnity Lynx Transport Underwriting Managers (Pty) Ltd P116 Goods in transit P130 Heavy commercial vehicle Makgethe Benefits P72 Consumer protection insurance Manwood Underwriters (Pty) Ltd P198 Professional indemnity insurance

Merx HCV P129 Heavy commercial vehicle cover Mirabilis Engineering Underwriting Managers (Pty) Ltd P69 Engineering risks and engineering insurance P96 Risk and engineering insurance P202 Renewable energy Motor Acceptances P163 Motor fleet

Kuda Insurance Administrators (Pty) Ltd P44 Bloodstock

MUA Insurance Acceptances (Pty) Ltd P213 Specialised domestic insurance P218 Specialised high-value executive motor vehicles

Landmark Underwriting Agency P36 Agriculture and farming

Navigate Underwriting Managers (Pty) Ltd P157 Marine risks

315

UMA COMPANY LISTINGS Onepet Pet Insurance P190 Pets and leisure horses

PSG Nucleus P45 Bloodstock

Oneplan Health Insurance P125 Health and accident

Qdos Underwriting Managers (Pty) Ltd P224 Tax insurance

Oojah Travel Protection (Pty) Ltd (Hollard) P232 Travel insurance

Quantum Liability Underwriting Managers (Pty) Ltd P209 Security liability P198 Professional indemnity

Paladin Underwriting Managers P164 Motor fleet Paradigm Risk Consultants (Pty) Ltd P61 Commercial insurance P188 Personal lines Performance and Customs Bond Services (Pty) Ltd P72 Contract guarantees P221 Surety Pet Underwriting Managing Agency (Pty) Ltd (P.Uma) P190 Pets and leisure horses Petsure (Pty) Ltd P190 Pets and leisure horses PinnAfrica Insurance Underwriting Managers P78 Credit insurance Policy Provider Underwriting Managers P44 Bicycle insurance P104 Excess insurance P116 Goods in transit/Inland transit P140 Income protection P168 Motor â&#x20AC;&#x201C; niche/special requirements Polygon Underwriting Agency (Pty) Ltd P220 Specie insurance Praesidio Risk Managers (Pty) Ltd P146 Kidnap and ransom insurance P183 Personal accident

316 12

Quicksure (Pty) Ltd P62 Commercial insurance P188 Personal lines Refine Underwriting Managers (Pty) Ltd P69 Construction and engineering insurance P112 Fuel guarantee cover P74 Contract guarantees P182 Performance guarantees Regal HCV (Pty) Ltd P117 Goods in transit/inland transit P132 Heavy commercial vehicle cover P123 Hauliers combination insurance Renasa Taxi Underwriters (Pty) Ltd P225 Taxi insurance Riscor Underwriting Managers P37 Agriculture and farming P62 Commercial insurance P188 Personal lines Risk Technical Services P49 Broad-form liability cover P69 Construction and engineering insurance P199 Professional indemnity insurance Roadcom TopTrans (Pty) Ltd P168 Motor â&#x20AC;&#x201C; Niche/Special requirements SA Underwriting Agencies P189 Personal lines

saXum Hospitality P138 Hospitality and leisure industry Scintilla (Pty) Ltd P70 Construction and retention guarantees P97 Engineering risks and engineering insurance Shackleton Risk Management P76 Court bonds P199 Professional indemnity insurance Small Area Repair Technology Underwriting Managers (Pty) Ltd t/a Smart P170 Motor Small Area Repair Stalker Hutchison Admiral (Pty) Ltd (SHA) P50 Broad-form liability cover P142 IT security/Cyber liability P82 Directors’ and officers’ liability insurance P86 Employment practices liability P100 Environmental impairment liability P108 Fidelity guarantee P134 Hole-in-one cover P161 Motor acceptances P184 Personal accident P194 Product guarantee/recall P199 Professional indemnity insurance P200 Professional indemnity – single projects P206 Schools P221 Sports insurance Stilus Underwriting Managers (Pty) Ltd P48 Body corporate and Sectional title P148 Legal services, body corporate and sectional title Strategic Insurance Systems P66 Commercial and industrial risks P189 Personal Lines Synergy Targeted Risk Solutions (Pty) Ltd P101 Environmental impairment liability Thatch Risk Acceptances P230 Thatch risk

Tradesure Commercial Specialists and Tradesure Truck and Marine P64 Commercial insurance P118 Goods in transit/inland transit P133 Heavy commercial vehicle cover P172 Motor traders P166 Motorcycles and quad bikes P233 Truck (Heavy commercial vehicle) Transit Underwriting Managers (Pty) Ltd P118 Goods in transit/Inland transit P154 Marine cargo Transition Risk Solutions (Pty) Ltd P66 Commercial and industrial risks Travel Insurance Consultants (TIC) P232 Travel insurance Tri-Marine Acceptances (Pty) Ltd P158 Marine and special risks Universal Acceptances P125 Health and accident Vanguard Marine & Leisure P157 Marine risks P235 Watercraft and leisure Vehicle Injury Protection (Pty) Ltd P172 Motor vehicle personal accident cover Vulindlela Underwriting Managers (Pty) Ltd P64 Commercial insurance P228 Taxi insurance XL Transit P118 Goods in transit/inland transit X’S Sure Pty Ltd P169 Motor – Niche/special requirements Zenith Product Design (Pty) Ltd P214 Specialised domestic insurance

317

INSURERS SHORT TERM P240 P240 P243 P243 P243 P244 P244 P244 P246 P246 P247 P247 P248 P248 P249 P249 P250 P250 P251

Auto & General Insurance AIG Allianz Global Corporate & Specialty SA Ltd Centriq Insurance Company (RF) Limited Coface South Africa Insurance Company Limited Constantia Insurance Company Limited Genric Insurance Company Limited Guardrisk Insurance Company Limited Hollard Insurance Infiniti Insurance Lion of Africa Insurance Momentum Short-term Insurance Mutual & Federal Insurance Company Limited Natsure (Pty) Ltd Oakhurst Insurance Company Limited Renasa Insurance Company Limited Santam Western National Insurance Company Limited Zurich Insurance Company South Africa Ltd

MEDICAL P252 P252 P253 P253

Genesis Medical Scheme Medihelp Medical Scheme Sirago Underwriting Managers (Pty) Ltd Health and Accident Underwriting Managers (Pty) Ltd

LONG TERM P254 Altrisk (Pty) Ltd P254 FMI

REINSURERS P258 P258 P258 P259 P259

318

Emeritus RE SA Ltd Hannover Reinsurance Africa RGA Reinsurance Company of South Africa SCOR Africa Limited Swiss Re Life & Health Africa Limited

SERVICE PROVIDERS Car hire P282 First Car Rental P282 Gage Car Hire P284 Masthead Financial Planning Education P286 Insurance Learning Academy Glass suppliers P288 National Auto Glass (Pty) Ltd P288 Novus Glass P288 PG Glass P290 Windscreen Distributors (Pty) Ltd Legal and compliance services P290 Norton Rose Fulbright South Africa

Administrators and software providers P266 Antares Broker Support P266 Brolink (Pty) Ltd P268 Envision P268 Genasys Technologies (Pty) Ltd P270 Geo-Risk Information Platforms (GRiP) P270 Innovation Maven P270 Onga Wari Consulting (Pty) Ltd P272 PROFIDA P272 Randmark40 (Pty) Ltd P274 STRIDE P274 Sure Settle P276 Tial Technologies (Pty) Ltd P276 Watermark Technologies South Africa (Pty) Ltd Assistant services P277 Europ Assistance South Africa P278 Global Choices Lifestyle (Pty) Ltd P280 One Loyalty Rewards

Loss adjusters and assessors P292 Associated Loss Adjusters CC P292 Censeo (Pty) Ltd P293 Crawford & Company (SA) (Pty) Ltd P293 Proloss Pty Ltd Panel beaters P294 Auto Magic Holdings (Pty) Ltd Premium Collections P296 Fulcrum Group (Pty) Ltd Risk management companies P296 Excel Recovery Services (Pty) Ltd P298 Lightstone P298 Masthead (Pty) Ltd Telematics P299 Altech Netstar P300 PFK Electronics (Pty) Ltd | Autowatch Tracking P300 Real Telematics (Pty) Ltd P302 Tracker Verifiers, appraisers and valuers P302 Qantam Risk Assessment (Pty) Ltd

319

Associations

ASISA +27 (021) 673 1620 www.asisa.org.za FIA +27 (0)12 665 0085 www.fia.org.za FPI +27 (0)86 100 0374 www.fpi.co.za IICOGH +27 (021) 671 6126 www.iicogh.co.za IIKZN +27 (031) 366 9409 www.iikzn.co.za IIG +27 (011) 888 5255 www.iig.co.za IING +27 (012) 993 3287 www.iing.co.za IISA +27 (0)86 100 4472 www.iisa.co.za INSETA +27 (0)11 544 2000 www.inseta.org.za SAIA +27 (0)11 726 5381 www.saia.co.za SAUMA +27 (011) 880 5132 www.sauma.org.za

320 14

25 Years

CTU Ge

Notes

CMY

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CTU Generic Advert.ai

2013/09/09

12:56 PM

CLARENDON TRANSPORT UNDERWRITING MANAGERS

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UMA Directory Ad .indd 1

short-term insurance

2013/10/31 1:48 PM