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        • 下载Discovery医疗保险证明
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  • 员工福利
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  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
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    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
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    • Sanlam意外险
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      • Discovery COVID 疫苗注册
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    • Discovery医疗保险 2022更新摘要 >
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  • 关于我们
    • 我们如何与众不同
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    • 德博理财学院 >
      • 标准销售话术
Daberistic
  • I would like to
    • Covid-19 toolkit
    • Signup Newsletter
    • Schedule an appointment
    • Go to hospital
    • Deal with an accident
    • Make a Claim
    • Invest >
      • Investment needs analysis
      • Child education fund >
        • Top 100 schools in South Africa
      • For retirement
      • For income in retirement
      • For capital growth
      • For a new car
      • For a new house
      • Offshore funds
    • Apply for insurance >
      • Life Insurance
      • Medical Aid
      • Car and Household Insurance
      • Business Insurance
    • Appoint Daberistic as broker
    • Promotions >
      • 2022 Millionaire Investment Plan
      • 2022 Half-Millionaire Investment Plan
    • Update my policy >
      • Investment >
        • Allan Gray Debit Order
      • Life insurance
      • Arrear Premiums
      • Business insurance
    • Make a Will
    • Set up a business
    • Get an accountant.
    • Get business tax advice
    • Get personal tax advice
    • Preferred Suppliers >
      • Panelbeaters
      • Doctors and dentists
      • Attorneys, Notaries, Conveyancers
    • Product news
    • Cancel Daberistic Services
  • Invest
    • Our fund selection process
    • Retirement annuity
    • Tax-free Investment Plan >
      • Apply for Tax-free Investment Account
    • Unit Trusts
    • Guaranteed Investments >
      • Guaranteed Investments Q&A
    • Preservation funds
    • Offshore
    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Health
    • Our services
    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • 2022 Update
      • 2023 Update
      • Discovery Health Products
      • International Travel Benefit
    • Discovery Vitality >
      • 2022 Update
      • 2023 Update
    • Momentum Health >
      • Momentum Health Products
      • 2022 Update
      • 2023 Update
    • Bonitas >
      • 2022 Update
      • 2023 Update
    • Gap cover >
      • Discovery gap
      • Sirago >
        • 2022 Update
        • 2023 Update
    • FAQ >
      • Discovery COVID Vaccine Process
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Insure
    • About Short Term
    • Service Charter
    • Business Insurance >
      • Goods in Transit Insurance
      • Professional Insurance
    • Car / House Insurance
    • SASRIA
    • Frequently Asked Questions
  • Financial Coach
    • Blog
    • Personal Financial Planning >
      • Pocket Guide To Money
      • Setting goals
      • Budgeting and cashflow management
      • Consumer Protection Act
    • Retirement planning >
      • Retirement Q&A
    • Risk planning >
      • Retirement funds
    • Tax planning
    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
    • Business planning
    • Frequently asked questions
  • Accounting & Tax
    • About us >
      • DAA Proatia Manual
    • Accounting
    • Tax >
      • 2022 South Africa Budget and Tax Guide
      • 2020 South Africa Budget and Tax Guide
      • 2019 South Africa Budget and Tax Guide
      • 2017 South Africa Budget and Tax Guide
    • Business Plan
    • Company Registration & Secretarial Services
    • Audit/Review/Compilation report
    • Frequently asked questions >
      • Establishing a Business in South Africa
  • About us
    • Who we are
    • What sets Daberistic apart
    • How we help our clients
    • Our clients
    • Community involvement
    • Company Documents >
      • Privacy Policy
      • Complaints Resolution Policy
      • Conflict Of Interest Policy
      • PAIA Manual
    • Disclosures >
      • POPIA Consent
      • Email Confidentiality Notice And Disclosure
    • Company News >
      • Heritage Day 2015
      • Mandela Day 2016
    • Daberistic Academy >
      • Car insurance rating factors
      • Investment seminars
      • Personal finance seminars
      • Workplace skills >
        • Sales Scripts
        • Client Communication
        • Stress Management
        • Industrial Relations
        • Leadership
        • Employee Benefits
        • Company Values
        • Tax
        • Commercial Insurance
        • Gap cover
        • Excel
        • Retirement -
        • Retirement Annuity &Provident Fund
        • Marketing and Branding
        • Broker Appointment
        • Telephone etiquette
        • Client service etiquette
      • Mini MBA
    • Careers >
      • Positions >
        • Healthcare Consultant/Business Development Manager
      • Questionnaires >
        • Pre-interview Elementary Test
        • Chinese Client Consultant Pre-interview Questionnaire
        • Short-term Insurance Administrator Pre-interview Questionnaire
        • HR and Finance Administrator Pre-interview Questionnaire
    • Contact us >
      • Cancellation
  • 我想要
    • 德博理财专栏
    • 查看旧德博理财专栏
    • 促销活动 >
      • 百万富翁投资计划
      • 半百万富翁投资计划
      • Fedgroup飞达参与分红债券
    • 申请新保险 >
      • 员工团体保险
      • 寿险/意外险报价资料表
      • 国际学生医疗保险2023
      • 商业保险
      • 医疗保险需求评估
      • 医疗保险申请
      • 加入活力健康计划
      • 投资 >
        • 投资方案报价
        • 孩子教育基金. >
          • 非洲排名前100高中
          • 南非高校排行榜
        • 为年老时存钱.
        • 闲钱投资.
        • 月领退休金.
        • 免税投资账户.
        • 投资型保单.
        • 股票.
        • 基金
        • 海外基金
        • 房地产基金.
        • 投资
      • 汽车保险报价
      • 店面投保
    • 现有保单管理 >
      • 保费没扣到
      • 在线税务证明申请表格
      • 人寿险/意外险保单管理
      • 医疗保险客服 >
        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
    • 私人投资账户
    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
    • 海外投资 >
      • 如何投资海外资产
      • 南非外汇管制规定
      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
    • 投资型保单
    • 基金 >
      • 如何挑选基金
    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答 >
      • Discovery COVID 疫苗注册
      • Discovery 非洲医疗福利
    • 如何选择医疗保险
    • Discovery医疗保险 2022更新摘要 >
      • Discovery医疗保险 2022 - 如何选择医保选项
    • Discovery医疗保险 2023更新摘要 >
      • Discovery医疗保险 2023 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2023 >
      • 激活你的健活奖励
    • Bonitas医疗保险2023介绍
    • Momentum 2023
    • 医疗附加险 >
      • Discovery 附加险
      • Sirago 医疗附加险 2023 >
        • 医疗附加险法规改变
    • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
    • 常见问题
  • 会计师事务所
    • 南非2021财政预算及税法
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术

​Frequently Asked Questions

What information do I need to send if I want to add a vehicle to my insurance policy?

  • Date vehicle needs to be covered
  • Overnight location and security (e.g locked garage, behind locked gates)
  • Information about Regular driver (Who will be driving the vehicle most of the time):
  • Name & Surname
  • Date of issue of driver’s license
  • Claims and insurance history
  • Marital status
  • Information about the vehicle (preferrable send invoice or OTP) + extras
  • Use of the vehicle (private or professional. If the vehicle is being used for business/ commercial use it needs to be insured under a commercial insurance policy)
  • Notation of finance house
  • Additional covers needed (Vehicle hire, excess waiver, credit short fall)
The insurance companies require accurate information to make informed risk assessment, the accuracy of the information is extremely important as inaccurate or false information may lead to a rejection of claims
 
What do I need to send to remove a vehicle from my insurance policy? 

  • Last date of cover (The last day that the vehicle will have insurance cover)
  • Reasons for car being removed
 
When should I let Daberistic know of changes to my personal information?

As soon as reasonably possible but within 30 days. According to the POPIA and FAIS act (Read our disclaimer here) we as a financial service provider need to be made aware of any changes to our clients personal information.

Please inform Daberistic of changes to your personal information:
  • Contact number
  • Email address
  • Job description
  • Marital status
 

If I move to a new house, should I inform my insurance?

A change to your risk address or the overnight location of your vehicle will affect your premium and Daberistic should be informed as soon as reasonably possible but within 30 days.

 
When should I let Daberistic know of a claim?

As soon as reasonably possible but within 30 days of the incident otherwise the claim may be rejected.

 
Do I have to pay excess every time I claim?

Excess is the first amount payable with every claim. When a client reaches a certain age e.g., 60 or 65 the insurance company automatically waive basic excess. On some insurance lines like Vehicle cover clients can take out excess waiver (at an additional fee) for their basic vehicle excess at any time. With some insurance companies’ additional excesses like “driving with a driver’s license not older than 2 years” may still apply.

With a vehicle repair claim the excess will be deducted from the payment the insurance company makes to the panel beater. The client will be liable to pay the outstanding excess amount to the panel beater before taking delivery of the repaired vehicle.
With a cash settlement the insurance company will settle the claim amount less any excess, e.g. the claim amount is R10,000 the excess is R1,000 the insurance company will pay the client R9,000

 
Is there a option where I don’t have to pay excess?

When a client reaches a certain age e.g., 60 or 65 the insurance company automatically waive basic excess.

On some insurance lines like Vehicle cover clients can take out excess waiver (at an additional fee) for their basic vehicle excess at any time.
With some insurance companies’ additional excesses like “driving with a driver’s license not older than 2 years” may still apply.

 
If I have car hire, do I pay a deposit when they give me the rental car?

Car rental companies will require you to pay a deposit while you have their car. This can be an amount of money frozen on your credit card.  They do this to make sure they don't lose money if there are any problems during your rental. For example, if you return the car late, damaged or very dirty, they will hold on to some or all of your deposit. Providing there are no additional charges at the end of your rental, the deposit will be returned to the same card. The security deposit amount varies per location, and by the type of vehicle you are hiring.

 
Can you give me an estimate price for vehicle insurance?
​

The insurance company takes many factors into account when calculating the cost of vehicle insurance.
Some of the factors the insurance company look at:
  • Date vehicle needs to be covered
  • Overnight location ad security (locked garage, behind locked gates)
  • Regular driver – date of issue of divers license, claims and insurance history, marital status (Who will be driving the vehicle most of the time)
  • Information of the vehicle (preferable send invoice or OTP) + extras
  • Usage of the vehicle (private or professional. If the vehicle is begin used for business/ commercial use it needs to be insured under a commercial insurance policy)
  • Notation of finance house
  • Additional covers needed (Vehicle hire, excess waiver, credit short fall
  • Job description
  • Marital status
Daberistic is unable to give an estimate price. Daberistic needs to do a quotation first. Please fill in the online form to enable Daberistic to do a quotation. 
 

Why is my friend’s vehicle insure cheaper when we have the same vehicle?

The insurance company takes many factors into account when calculating the cost of vehicle insurance. No 2 people’s risks are exactly the same even if they drive the same vehicle.

E.g.
Mr X pays R1,000 for vehicle insurance.
  • Mr X has had comprehensive vehicle, building and contents insurance for 20 years.
  • Married, over the age of 25 and has had his license for 20 years.
  • Does not claim frequently
  • Rarely misses a payment
 
Mr G has the same vehicle, but he pays R1,500 premium, why? 
  • Mr G is under 25
  • Got his vehicle license last year
  • Has no supporting insurance cover (Like building or contents cover)
  • No previous insurance history
  • Therefore the 2 clients pay different premiums for the same vehicle because their risk profile is different.


 
Why do I Have to take my vehicle for a pre inspection?

Most vehicles, except brand new ones, need to complete a pre-inspection within 5 days from your cover start date. This shows the insurance company your vehicle's condition when you join so that they can compare it when you submit claims in future.

You must complete the pre-inspection within 5 days from the day your cover starts, otherwise your future claims could be rejected.
​
 
What does it mean if my insurance says average will apply?

When an item is insured for less than the full replacement value the insurance company will not pay you the full amount of the loss or damage. The insurance company will also not pay you more if you are over insured.
 
You will be liable for the difference between the insured amount and the amount needed to replace all the insured property.
 
Let us assume you are insured for R500 000, but the replacement value of your property is R1 000 000. This means you are only insured for half of the replacement value. You must cover the other half.
 
For example, if you suffer damage to the value of R100 000, the insurance will payout the average which  will be calculated as follows:
 
Insured for R500 000
Replacement value R1 000 000
Claim R100 000
Calculation:                                                                                                                                           
Picture
The insurance company will only pay you R50 000.
 
This condition applies separately to each item in every clients Schedule.
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