Benefit Breakdown includes:

1. ASSISTANCE PRODUCTS (PERSONAL LINES):

1.1 ROADSIDE & ACCIDENT ASSISTANCE
Roadside Assistance
Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident):
• Flat battery – jump start only (replacement of battery for the member’s account)
• Flat tyre (help with change of tyre)
• Keys locked in vehicle (unlocking only)
• Fuel assistance (limited to five liters per incident)
• Minor roadside–running repairs (electrical, coil, immobilizer etc.)
• Transmission of urgent messages

Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
• Mechanical breakdown – covered up to R500
• Electrical breakdown – covered up to R500
• Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850

Courtesy Transport
Where the vehicle needs to be towed to a repairer, we will arrange for the occupants of the vehicle (up to a maximum of two persons) to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation
Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people). Cover up to R500.

Car Rental
If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Vehicle Repatriation
In the event of a member’s vehicle being left for repairs, we will pay up to R500 for 24-hour, Group-B car rental or a flight ticket to collect the vehicle after repairs. Alternatively, should the vehicle have been towed to a dealership closer to the member’s place of residence, we will supplement the additional tow costs with the costs of car rental.

Overall limit of R5 000 per annum per policy.

*Please note: This cover excludes all vehicles over 3 500kg. A member will not be entitled to service where the vehicle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.

1.2 HOME ASSIST

Fixtures, Fittings and Services
In the event of a home emergency as a result of breakage of fixtures and fittings, we will arrange for an appropriate repairer (electrician, plumber, locksmith, glazier etc.) to address the problem at one nominated address (call-out fee and first hour labour is covered, thereafter normal rates apply). Please not that all parts and materials used are excluded and will be for the member’s account.

A home emergency is defined as an event that is potentially life threatening or could possibly cause structural damage to a property.

Overall limit of 3 incidents or up to R2 000 per annum per policy.

Emergency Services Notification and Call-out
We will, at your request, relay notification of emergencies to the police, traffic, fire brigade, ambulance, security or any other emergency service provider.

1.3 CRIME ASSIST

This is a 24 hour crisis management product to assist you in the event of a hi-jacking or Home Invasion. We will assist with the following:
• In the case of your cellphone being stolen in a hi-jacking, we will provide you with a cellphone loaded with pre-paid airtime to the value of R100
• In the case of your vehicle being hi-jacked, we will provide you with Group B car hire for 48 hours to keep you mobile
• In the case of your credit card being stolen, we will provide you with a pre-loaded debit card up to the value of R500 to assist you in the interim
• In the case of your keys being stolen in a hi-jacking, we will send a locksmith to your house to assist you with your locks, up to the value of R1000 per annum
• In the case of you being hi-jacked at your place of residence, we will place a security guard at your house for 24 hours
• In the case of your home being invaded, we will place a security guard at your house for 24 hours after the invasion has taken place.
• In case of your home being invaded, we will provide hotel accommodation to the value of R1000 per annum.

1.4 HOME SAFE CHAUFFEUR

This product is designed to encourage you to drive responsibly. Statistics show car incidents as a result of drinking and driving account for a large percentage of accidents on our roads, especially at night.

Benefits are as follows:
• We will ensure that you and your vehicle arrive home safely. We will dispatch a vehicle with two drivers (where possible) and drive you home in your own car
• All drivers are in possession of a public driver’s permit, carry a cellphone and dress professionally. The drivers all speak English
• You are entitled to use this service 6 times per annum. Each incident is capped at R500 rand, any costs incurred over and above this will be for the client’s account
What are the terms and conditions?
• Bookings can be arranged between the following hours:
➢ Mondays to Thursdays 17:00 – 01:00
➢ Fridays 15:00 – 03:00
➢ Saturdays 16:00 – 02:00
➢ Sundays 16:00 – midnight
• The service is available within a 50km radius of city centres in Johannesburg, Pretoria, Durban and Cape Town.
• At the specified time and location, the call centre will notify you that the pick-up driver has arrived at which time you will have 15 minutes to meet the driver. After the 15 minutes, the call centre will notify you that the pick-up driver will be leaving and the trip will be cancelled.
• Cancellation and rescheduling fees:
o Two hours prior to booked collection time – Rnil
o One hour prior to booked collection time – one incident will be eliminated

1.5 GLOBAL CHOICES ONE ASSIST MOBILE APPLICATION

The Global Choices One Assist App has been developed to provide Brokers, Underwriters and Insurance Companies direct access to their members. The App is white labeled to suit each Business at no cost. A content management system is provided to make immediate changes to both the brand and the content. The content management system manages all client interactions, requests and claims, as well as providing a communication platform to their clients via SMS. E-mail and in app messaging.

The Global Choices One Assist App provides the Broker with verified information from their clients (Driver Licence Details) and their assets (VIN, Engine, Registration, year, make model) and allows clients to view their policy information, complete the entire claims process for all types of claims. Accident Scene voice recordings, photographs, drawings, locations, witness details, plus all the vehicle and driver details involved in the accident are captured via licence disc scanning. The driver is also able to draw the accident scene and sign the claim form prior to submitting the claim.

Global Choices One Assistant App provides direct access to the app user in the event of an emergency – the app user has a panic button on the app that sends a message to our contact centre that includes vital information to ensure swift action – name, contact number, emergency contact details and most importantly their location. This process is also used to access our suite of Assistance Services that are provided to members as part of our valued added programmes.

The App is free to download, but to make use of the Global Choices One Assist App and all the features, the app user will need to be linked to a broker or insurer who has a programme with Global Choices One Assist.
The technology powering the Global Choices One Assist App is powered by Lightstone

1.6 INTELLIGENT PANIC

In a panic situation, you never want to be alone! Intelligent Panic provides you and your loved ones with 24 hour access to your own experienced crisis manager – who will help you through your emergency.

You never have to remember an emergency number again!
Intelligent Panic is a breakthrough in emergency support – you will never have to remember another emergency number again. Intelligent Panic has access to every emergency service you may need, as well as access to your own security company, medical information and other usefule contacts.

You will never be alone in an emergency!
The Intelligent Panic service providces you with your very own crisis manager. When you are in an emergency – WE take charge! Your crisis manager will call you back on your cell phone and help you through your crisis – whatever that may be.

Do you need emergency medical advice over the phone, do you need to find a doctor or an ambulance fast, have you been involved in an accident – or are you lost and feeling vulnerable? Intelligent Panic is there for you.

Access every emergency support service out there from one button on your cell phone.
To have access to Intelligent Panic, you need to register and then choose one number on your cell phone that acts as your panic button. In an emergency, just press that one number – and we take charge of the rest. Your crisis manager will call you back and access the most appropriate support that you need. Your
crisis manager will be in telephone contact until your crisis situation is resolved.

COMMERCIAL ROADSIDE & ACCIDENT ASSISTANCE (VEHICLES UNDER 3.5 TONS)

Roadside Assistance
Members have access to the following services in the event of a roadside emergency (limited up to R500 per incident):
• Flat battery – jump start only (replacement of battery for the member’s account)
• Flat tyre (help with change of tyre)
• Keys locked in vehicle (unlocking only)
• Fuel assistance (limited to five liters per incident)
• Minor roadside–running repairs (electrical, coil, immobilizer etc.)
• Transmission of urgent messages

Tow-in
Tow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:
• Mechanical breakdown – covered up to R500
• Electrical breakdown – covered up to R500
• Accident damage – cost covered to the nearest approved panel beater up to a limit of R1850

Courtesy Transport
Where the vehicle needs to be towed to a repairer, we will arrange for the occupants of the vehicle (up to a maximum of two persons) to be transported to a nominated destination where the breakdown has occurred within a 100 km radius of your normal place of residence.

Hotel Accommodation
Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to a maximum of four people). Cover up to R500.

Car Rental
If the circumstances of the problem entitles you to the hotel accommodation benefit but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R500 and subject to availability.

Vehicle Repatriation
In the event of a member’s vehicle being left for repairs, we will pay up to R500 for 24-hour, Group-B car rental or a flight ticket to collect the vehicle after repairs. Alternatively, should the vehicle have been towed to a dealership closer to the member’s place of residence, we will supplement the additional tow costs with the costs of car rental.

Overall limit of R5 000 per annum per policy.

*Please note: This cover excludes all vehicles over 3 500kg. A member will not be entitled to service where the vehicle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.

*Please Note:
• All benefits only available through the assistance call centre.
• Any costs incurred by member through own arrangements made independently from the call centre will not be reimbursed