TFG (“The Foschini Group”)
The Foschini Group TFG Legal Plan Gold Membership Guide
Congratulations on your Foschini Group TFG Legal Plan Gold membership! Now you can gain a better understanding of and appreciation for your legal rights and rely on LIPCO to assist you in enforcing these rights.
This membership guide contains the terms and conditions of your membership. Should you have any difficulty in understanding any of the sections, please phone 0861 534 367 or email firstname.lastname@example.org.
For the purpose of this membership guide the following definitions shall apply:
Membership shall be comprised of yourself (the “main member”), the Foschini Group customer who signed up for these benefits as well as your legal/traditional spouse (limited to one spouse only) PLUS any number of dependent children (i.e. unmarried and unemployed) under the age of 25 (twenty-five) years, who are permanently resident and domiciled within the borders of South Africa and who are not fugitives from justice.
KINDLY NOTE: You, the Foschini Group customer, will be regarded as the main member, and your spouse and children as dependants.
This Product is brought to you by Foschini Retail Group (Pty) Ltd (1988/007302/07), who is also the administrator of the Legal Insurance Benefit mentioned herein. Foschini Retail Group (Pty) Ltd (1988/007302/07) is an authorised financial services provider with FSP number 32719.
LIPCO Group (Pty) Ltd (2001/014508/07) is an authorised financial services provider with FSP number 7508 and has been appointed by Guardrisk as underwriting manager for this product. LIPCO is furthermore contracted by Foschini to manage and coordinate all legal and mediation services referred to in this membership guide.
Guardrisk Insurance Company Limited (1992/001639/06) underwrites the Legal Insurance Benefit contained in this Product. Guardrisk Insurance Company Limited (1992/001639/06) is an authorised financial services provider with FSP number 75.
2.5 COMMENCEMENT DATE:
The commencement date of this Product is the date of your acceptance of the Foschini Group TFG Legal Plan Gold. This date will change from time to time and be re-set under certain circumstances, e.g. when you change to an alternate membership package in terms of 9.13 below. Further, when you get married, your spouse will have a different commencement date to you.
2.6 CAUSE OF ACTION:
For purposes of this document, the origin of the cause of action shall be regarded as the initial event that led to the member requiring legal assistance. This will also include alleged events (e.g. alleged assault).
2.7 PERSONAL INFORMATION:
This means personal information as defined in the Protection of Personal Information Act 4 of 2013.
3.1 LEGAL SERVICE BENEFITS
3.1.1 THE LEGAL EMERGENCY BENEFIT
The Legal Emergency Benefit entitles the member to 24 hour telephonic legal advice on any legal emergency that requires immediate legal assistance (e.g. a bail application over a weekend). This benefit entitles the member to immediate advice by phoning the emergency numbers indicated on the membership card. These lines are however reserved for legal emergencies only and if, in LIPCO’s discretion, the matter is not of an urgent nature and can be resolved during normal office hours, the member will be required to phone back at another time in order to be assisted under the Basic Benefit.
Services under the Legal Emergency Benefit will be rendered 24 hours a day from Mondays to Sundays (including all public holidays).
3.1.2 THE BASIC BENEFIT:
The Basic Benefit entitles the member to telephonic legal advice (including labour advice) for the full term of membership on private legal matters (including labour matters), irrespective of whether the cause of action originated before or after becoming a member. Assistance under the Basic Benefit is limited to telephonic advice only.
Services under the Basic Benefit will be rendered between 08h00 and 16h30 from Mondays to Fridays.
3.1.3 THE MEDIATION BENEFIT:
The Mediation Benefit entitles the member to an unlimited amount of telephonic mediations on any matter mentioned in clause 7 hereof, where the cause of action arose after the commencement date of the membership.
LIPCO does its utmost to solve any problem under the Mediation Benefit by way of opening files on behalf of the member, sending letters/faxes to the person/party with whom the member has a dispute, making telephone calls and sending emails. In other words, the member is NOT only telephonically advised, but LIPCO’s mediators will take all reasonable steps (subject to the limits contained herein) on behalf of the member to settle the matter with any third party (e.g. a bank, insurer, neighbour, employer, attorney, creditor, police officer etc.). LIPCO will assist the member in his/her personal capacity (excluding where the member is operating a business as a sole proprietor) with legal problems (including labour problems) up to the point where litigation is inevitable or where formal mediation proceedings, as provided for in the statutory Court Rules, commence. Commercial matters are excluded. The decision as to whether litigation is inevitable or whether formal mediation proceedings are required will be in the sole discretion of LIPCO, Foschini and / or Guardrisk.
Services under the Mediation Benefit will be rendered between 08h00 and 16h30 from Mondays to Fridays.
3.2 THE LEGAL INSURANCE BENEFIT:
The Legal Insurance Benefit entitles the member to legal assistance with litigious matters for criminal or civil action instituted by and/or against the member, where the cause of action originated after expiry of a 2 (two) month waiting period (calculated from the commencement date or the date of changing to this membership, whichever is applicable). Subject to the exclusions mentioned in clause 11 below, the member will only be covered for litigation in matters specified in clause 8 hereof.
3.2.1 BAIL COVER BENEFIT:
The Bail Cover Benefit entitles the member to payment of bail to the court of up to R2 000 per membership per year (only if the bail application was also covered by this Product) and provided that bail is set at an amount not exceeding R2 000 (i.e no pro rata bail will be paid where the total amount set exceeds R2 000).
LIPCO undertakes, subject to the provisions hereof, to render legal advice, mediation, and litigation assistance to the member, subject to the continued monthly payments made to Foschini.
Should a member encounter a legal problem (including a labour problem) during the course of membership, the matter must be reported to LIPCO as soon as the member first becomes aware of it. If a matter is not reported to LIPCO within 30 (thirty) days of the member first becoming aware of it, LIPCO will have the discretion to reject any assistance under this Product.
Easy access to LIPCO is facilitated in that a member can phone the LIPCO contact centre on 0861 534 367, or SMS the main member’s TFG credit facility account number or this membership number and ‘TFG Legal’ to 30838 and LIPCO will contact the member within 24 hours. The member can also email LIPCO at TFGlegal@lipco.co.za. If a member wishes to make use of the Legal Emergency Benefit or the Bail Cover Benefit, the member can phone LIPCO on 082 568 2676.
Kindly use the contact details as indicated on the membership card to report a new case and always have the main member’s Foschini Group account number or this membership number available when interacting with LIPCO.
Neither LIPCO, Guardrisk nor Foschini shall be responsible for any legal fees directly or indirectly incurred by the member outside of the limits and scope of this Product, as contained in this membership guide.
LIPCO shall take the initial instruction from and discuss the problem with the member. If further information or documentation is required, the responsibility will be on the member to provide such information or documentation on LIPCO’s request.
It is further expected from the member to contact LIPCO on a regular basis for feedback on his/her case. LIPCO will only contact the member if more information is required or if relevant feedback needs to be communicated to the member.
If the matter is a general problem, LIPCO shall initially, subject to any limitations set by any South African statute or other instance which is applicable to LIPCO, attempt to solve the problem under the Mediation Benefit by means of telephonic communication, written correspondence or whatever other steps are deemed necessary in the exclusive discretion of LIPCO and at no additional costs to the member.
In the event that the member’s problem cannot be solved through the method mentioned above (i.e. under the Basic Benefit or the Mediation Benefit) and the member needs further representation, LIPCO will, subject to any limitation and/or exclusion mentioned in this Product, arrange for a qualified legal practitioner to represent the member under the Legal Insurance Benefit. Should the member not qualify for the Legal Insurance Benefit, he/she will be given the option of being referred at his/her own cost to one of LIPCO’s panel attorneys at pre-arranged reduced rates.
6.1 LEGAL EMERGENCY BENEFIT:
This benefit commences with effect from the commencement date of membership with no waiting period applicable.
6.2 BASIC BENEFIT:
This benefit commences with effect from the commencement date of membership, with no waiting period applicable.
6.3 MEDIATION BENEFIT:
The Mediation Benefit will commence with effect from the commencement date of membership, with no waiting period applicable, but LIPCO will only enter into mediation and render assistance under this benefit if the cause of action arose after the commencement date.
6.4 LEGAL INSURANCE BENEFIT (INCLUDING THE BAIL COVER BENEFIT):
The Legal Insurance Benefit (including the Bail Cover Benefit) commences after expiry of a 2 (two) month waiting period, calculated from the commencement date of membership or the date of changing to this membership (whichever is applicable), subject thereto that the provisions of this Product do not limit or exclude cover.
Subject to the terms and conditions of this Product, the following matters shall be included under the Mediation Benefit:
7.1 Assistance with written representations and settlement negotiations in both criminal as well as labour matters. This includes telephonic mediation and negotiation with the relevant authorities (e.g. an investigating officer to release the member on bail/warning when arrested);
7.2 Mediation in civil matters where the member wants to institute a claim or defend an action against him/her (based on contract or delict);
7.3 Mediation in family related matters, e.g. maintenance and divorce settlements;
7.4 Assistance with the following agreements for the member in his/her personal capacity (i.e. not business related) will also be covered under the Mediation Benefit:
7.4.1 Contracts of sale for movable as well as immovable property where the property is situate within the borders of the Republic of South Africa;
7.4.2 Employment contracts for domestic workers;
7.4.3 Settlement agreements relating to a mediation matter handled on behalf of the member under this Product;
7.4.4 Acknowledgments of debt;
7.4.5 Rental agreements;
7.4.6 Standard wills (i.e. member to provide executor, establishment of a trust not required).
7.5 Kindly Note: Assistance under this Mediation Benefit includes informal mediation via correspondence only and excludes formal mediation services as contemplated in the Court Rules as this will be covered under the Legal Insurance Benefit (see 8.7).
8.9.1 - the judgement was granted after expiry of the 1 (one) month waiting period; and
- the member can prove a bona fide (true) defence to the summons which led to the granting of the judgement. The decision as to whether the member can prove a bona fide defence will rest solely in the discretion of LIPCO, the Foschini Group and / or Guardrisk; and
- the member informs LIPCO of the judgement within 10 (ten) days of the member first becoming aware of it; and
- the member meets all the requirements of the Magistrate’s Court rules relating to rescission applications,
8.9.2 the member against whom a default judgement was granted can prove that he / she has paid the judgement debt in full and / or obtained the judgement creditor’s consent to the rescission of the judgement, provided that the judgement was granted after expiry of the 1 (one) month waiting period and the member meets all the requirements of the Magistrate’s Court rules relating to rescission applications.
Applications for rescission of judgement under 8.9.2 above will be limited to 2 (two) applications per member per year, subject thereto that the provisions of this Product do not limit or exclude cover.
If the rescission of judgement application under this benefit is successful, any claim against this Policy to defend the summons which gave rise the rescinded judgement, will be subject to separate assessment under the terms and conditions of this Policy.
KINDLY NOTE: any matter not specifically mentioned in this clause shall not be covered under the Legal Insurance Benefit. All litigation matters mentioned in this clause will be subject to the provisions of Clause 11 below, as well as a full merits assessment before the member will be entitled to assistance under the Legal Insurance Benefit. The maximum cover under the Legal Insurance Benefit is R54 000 (fifty four thousand rand) per membership per year. The Bail Cover Benefit of R2 000 (two thousand rand) per membership per year is included in the Legal Insurance Benefit of R54 000 per membership per year.
9.6.1 Legal advice and assistance according to the benefit structure will be available to the member if the main member’s Foschini Group account is current and up to date and not in arrears.
9.6.2 If the main member’s Foschini Group account is in arrears, but not yet suspended, the member will only qualify for the Legal Emergency Benefit and no other benefits under this Product.
9.6.3 If the main member remains in arrears and does not meet the qualifying payment criteria for two months or more, this Product will be suspended until a qualifying payment is made and no benefits under this Product will be available to any member while the Product is suspended. A “qualifying payment” means a payment of at least 40% (forty percent) of the Foschini Group account instalment due for that particular month. Once the Foschini Group account is up to date, the Product shall be automatically reinstated. The member, however, will only qualify for all the benefits if the main member’s Foschini Group account is fully up to date and no arrears are owing. If there are still arrears on the Foschini Group account, only the Legal Emergency Benefit will be available to the member until such time as the main member’s Foschini Group account is fully up to date. The date that payment was made to bring the Foschini Group account up to date will become the new commencement date of the Product. In effect this will mean that the member will once again be subject to the waiting period before commencement of the Legal Insurance Benefit.
Please note: The main member (i.e. the account holder) will be charged interest where the Foschini Group credit facility payment plan attracts interest and such interest will be retained by the Foschini Group, and will be levied at the same rate applicable to the credit facility. The main member authorises Foschini Group to debit and collect the monthly payment, which includes the premium for the Legal Insurance Benefit, from his/her Foschini Group account, after which the Foschini Group account terms and conditions will apply, in addition to the terms and conditions of this Product.
9.6.4 Any request for cover under the Legal Insurance Benefit shall be rejected if the main member’s Foschini Group account is in arrears at the time of such request or was in arrears when the cause of action arose and such claims will accordingly remain rejected for the duration of membership. The period of insurance is each period of 1 (one) month for which a payment was received. Membership is therefore renewed on a month-to-month basis upon receipt of the payment for that specific month.
9.6.5 Should the main member’s Foschini Group account reflect a zero balance, the amount for the Product will still be deducted.
9.7.1 The main member authorises and requests Foschini, or its authorised representative, to draw against the personal bank account provided to Foschini telephonically, the amount necessary for payment of the amount payable for the membership as and when required and for the payment requested every month, until this Product is cancelled in writing.
9.7.2 The main member will be responsible for the payment of any bank charges associated with the monthly debit order.
9.7.3 Legal advice and assistance according to the benefit structure will be available to the member if the amount payable for the membership has been paid and is up to date and not in arrears.
9.7.4 If the amount payable for the membership is in arrears, but the Product has not ended, the member will only qualify for the Legal Emergency Benefit and no other benefits under this Product.
9.7.5 Any request for cover under the Legal Insurance Benefit shall be rejected if the amount payable for the membership is in arrears at the time of such request or was in arrears when the cause of action arose and such claims will accordingly remain rejected for the duration of membership. The period of insurance is each period of 1 (one) month for which a payment was received. Membership is therefore renewed on a month-to-month basis upon receipt of the payment for that specific month.
10.1 The origin of the cause of action arose after the relevant waiting period;
10.2 The main member’s Foschini Group account is current and not in arrears (if the payment is to be debited and collected from the main member’s Foschini Group account);
10.3 The amount payable for the membership has been paid;
10.4 A successful merit assessment has taken place (i.e. prospects of success relevant);
10.5 Representation is within the borders of the Republic of South Africa;
10.6 The matter is not specifically excluded under clause 11 hereof.
The following matters will be excluded under the Legal Insurance Benefit. If no informal mediation/advice/assistance is possible, the matter will also be excluded under the Mediation Benefit:
11.1 Where representation is required outside the borders of the Republic of South Africa or where any party to a dispute resides or is domiciled outside the borders of the Republic of South Africa;
11.2 Litigation, where the origin of the cause of action was established prior to the expiration of the waiting period;
11.3 Where reasonable prospects of success do not exist. All litigation claims are considered, bearing in mind the prospects of success. This means that if, in LIPCO’s Merits Committee’s discretion, a member provided insufficient information to convince the Merits Committee that the member will win the case, the claim will be repudiated. Also refer to clause 9.4 of this Product where it is clearly stated that it remains the member’s responsibility to provide LIPCO with all relevant information to determine the prospects of success. Obtaining the relevant information (e.g. statements, contracts, reports, contents of a docket etc.) remains the member’s responsibility and the cost thereof shall not be covered by this Product. Should it, at any time, become apparent that the member provided LIPCO with false information/statements, LIPCO may, in its sole discretion, claim back any amounts already paid and cancel membership with immediate effect. LIPCO may also require an indemnity document to be signed in cases where the merits of a specific case are in doubt;
11.4 A dispute between the member and LIPCO or between the member and Foschini, and/or any agent/employee/consultant instructed by LIPCO to act on the member’s behalf, including a dispute as to the merits and/or the quantum of a claim;
11.5 Acts performed by the member in the course of the member’s existing or prospective business or commercial transactions related to such business;
11.6 Any cession, assignment or delegation, the result and/or purpose of which is to bring any matter within the ambit of this Product;
11.7 Political activities by the member in any government, local and/or tribunal authority;
11.8 Matters relating to negligence or acts performed by the member or the member’s dependants whilst under the influence of alcohol and/or any type of drug (i.e. drunk driving and driving while under the influence of alcohol or drugs, etc);
11.9 Acts performed by the member amounting to gross negligence and/or malice where the member intentionally disregarded the law, realising the possible consequences of his/her actions at the time of the incident. LIPCO will also not cover a member for a guilty plea under these circumstances, unless the member can provide a reasonable explanation for his/her actions that will convince LIPCO that he/she acted reasonably under the circumstances. If the member fails to provide such explanation which, in LIPCO’s sole discretion, could eliminate the presumption of malice and intent, the matter may be excluded. This will also be the case where a member is continuously charged with the same or similar offence within a 12 (twelve) month period without providing a valid defence for his/her actions;
11.10 Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience;
11.11 War, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising;
11.12 Matters that fall within the jurisdiction of any community court where members of the public appear without legal representation, such as the Small Claims Court;
11.14 Any self motivated or business related application or registrations (e.g. licenses, patents, copyright, etc.);
Where the member or claimant disputes Guardrisk’s repudiation or rejection of her/his claim under the Legal Insurance Benefit, the member/claimant has 90 (ninety) days from the date of receipt of the rejection letter to appeal this decision in writing to Guardrisk. If the appeal is not successful or the dispute is not resolved at the end of this 90 (ninety) day period, then the member/claimant has an additional 6 (six) months to institute legal action against Guardrisk by serving summons on it, failing which Guardrisk is no longer liable in respect of the claim.
13.1The member acknowledges and consents to Foschini, LIPCO and Guardrisk processing his/her Personal Information:
13.1.1 to enter into this Product and for purposes of administering this Product and complying with his/her instructions; and
13.1.2 for the purposes of the prevention and detection of fraud and criminal activities, the identification of the proceeds of unlawful activities and the combating of money laundering activities.
13.2 The member has the right to access his/her Personal Information held by Foschini, LIPCO or Guardrisk, during office hours and within a reasonable time after receiving such a written request for access.
13.3 Foschini, LIPCO and Guardrisk will only keep the member’s Personal Information for as long as necessary or required by law.
13.4 Foschini, LIPCO or Guardrisk may transfer its rights or obligations under this product to a third party without the member’s consent and without notice. In such event, the third party will then process the member’s Personal Information.
13.5 The member may update his/her Personal Information at any time by calling Foschini.
Foschini has created a superior solution – encompassing products, processing and service – tailored to each of our customers’ requirements. Foschini will, at all times, deliver a superior customer experience, simplifying and improving our customers’ lives. Foschini will achieve this through a motivated team of skilled people, absolute fairness in our treatment of our customers and partners and complying with the principles and outcomes of Treating Customers Fairly. These are:
DISCLOSURE NOTICE - SHORT TERM INSURANCE
IMPORTANT - PLEASE READ CAREFULLY
Further information in compliance with the Financial Advisory and Intermediary Services Act.
As a short-term insurance policyholder, or prospective policyholder, you have the right to the following information:
Name: Foschini Retail Group (Pty) Ltd, “Foschini”
Physical address: 340 Voortrekker Road, Parow East, 7500
Postal address: P O Box 6020, Parow East, 7501
Telephone: 0860 576 576 | Fax: 021 937 5284
Email address: email@example.com
Website: www.tfg.co.za and/or www.tfginsurance.co.za
Company Registration Number: 1988/007302/07
Foschini Retail Group (Pty) Ltd is an authorised financial services provider (FSP 32719) and registered credit provider (NCRPC 36)
External Compliance Officer: Loren Basson, telephone 087 897 6970
VAT registration number: 4210187250
Foschini has Fidelity Guarantee insurance cover and Professional Indemnity insurance cover.
For a copy of Foschini’s Complaints Resolution policy, please visit our website, contact Customer Services on 0860 576 576 or email us at firstname.lastname@example.org. Complaints can be made by contacting customer services at 0860 576 576 or email: CustomerServices@tfg.co.za.
In the event of general queries or for a copy of Foschini’s Conflicts of Interest Policy, please call Customer Services on 0860 576 576.
Foschini Retail Group (Pty) Ltd, is a company incorporated in terms of South African company law. Foschini provides services as an intermediary in terms of the Short Term Insurance Act and Financial Advisory and Intermediary Services Act, entering into short-term insurance policies. An intermediary is an entity (for example, a company or close corporation) through which an insurance contract is effected. Foschini has an intermediary agreement with Guardrisk Insurance Company Limited, a cell captive insurer. Foschini has the necessary permission to act for Guardrisk and Foschini can collect premiums that the member pays. Foschini pays these premiums to Guardrisk on the member’s behalf. A cell captive is a special purpose insurance company which allows a third party to sell branded insurance to its own client base.
Professional Indemnity Insurance is in force.
Foschini receives no commission on the R3.00 premium (the premium amount will be reviewed once every calendar year in accordance with the Foschini Group TFG Legal Plan Gold Membership Guide, however the main member will be notified if this amount increases).
In the event of a claim, please contact the Legal Helpline as indicated in your Foschini Group TFG Legal Plan Gold Membership Guide. Please contact Foschini’s Insurance Claims Department for a copy of Foschini’s Claims Process. The telephone sharecall number is 0860 000 388 and the email address is email@example.com.
Guardrisk is an Authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services Act (FSP No. 75)
VAT registration number: 4250138072
Physical Address: 102 Rivonia Road, Sandown, Sandton, 2196
Postal Address: P O Box 786015, Sandton, 2146
Telephone Number: 011 669 1000
Fax Number: 011 669 1931
Compliance Officer: 011 669 1104
Claims disputes: firstname.lastname@example.org
In terms of the FSP license, Guardrisk Insurance Company Limited is authorised to give advice and render financial services for products under:
Short-term Insurance: Personal Lines
Short-term Insurance: Commercial Lines
Short-term Insurance: Personal Lines A1
Guardrisk has Professional Indemnity Cover and Fidelity Guarantee Cover in place.
Your Intermediary and/or Underwriting Manager noted above should always be your first point of contact in the event that you have a query or complaint. Guardrisk is a Cell captive insurance company, we partner with other financial service providers to provide our customers with different insurance and risk solutions to suit their specific needs.
If you are dissatisfied with the feedback received from your Intermediary and/or your underwriting manager, or your complaint remains unresolved, feel free to contact the Guardrisk Complaints Department:
Telephone: 0860 333 361
Guardrisk Compliance Details
Fax Number: +27-11-675-3826
Guardrisk Insurance Company Limited has a conflict of interest management policy in place and is available to clients on the website: www.guardrisk.co.za
Name: LIPCO Group (Pty) Ltd, “LIPCO”
Physical Address: 10 Blaauwberg Road, Aquarius Building, Bloubergrant, 7443
Telephone: + 27 (21) 521 2000
Fax: + 27 (21) 521 2100
LIPCO has Fidelity Guarantee insurance cover and Professional Indemnity insurance cover.
For a copy of LIPCO’s Complaints Resolution Policy, Claims Policy or Conflict of Interests Policy, please call LIPCO at +27 (21) 521 2000, or email the Compliance Officer at WillieV@lipco.co.za.
Premiums are charged monthly in advance, and cover endures until the next monthly billing. A grace period of 15 days (if the payment is debited and collected from the main member’s Foschini Group account) or 30 days (if the amount payable for the membership is paid by means of a debit order) is allowed for payment after the due date. If payment is not made by the end of the grace period, cover will end from the due date. If it is a new monthly policy, the grace period will start from the beginning of the second month of the currency of the policy.
All sums insured, amounts and limits reflected in the Product and Foschini credit facility statements of account are inclusive of Value - Added tax.
In terms of a ruling issued by the South African Revenue Service, the policy together with proof of payment of premium constitutes an alternative to a tax invoice, debit note or credit note as contemplated in sections 20(7) and 21(5) of the Value - Added Tax Act 89 of 1991 respectively.
(a) You must be informed of any material changes to the information referred to in paragraphs 1 and 5.
(b) If the information in paragraphs 1 and 5 was given orally, it must be confirmed in writing within 30 days.
(c) If any complaint to the intermediary or insurer is not resolved to your satisfaction, you may submit the complaint to the Registrar of Short-term Insurance.
(d) Polygraph or any lie detector test is not obligatory in the event of a claim and the failure thereof may not be the sole reason for repudiating a claim.
(e) The insurer and not the intermediary must give reasons for repudiating your claim.
(f) Your insurer may not cancel your insurance merely by informing your intermediary. There is an obligation to make sure the cancellation notice has been sent to you.
(g) You are entitled to a copy of the Policy free of charge.
Do not sign any blank or partially completed application form.
Complete all forms in ink.
Keep all documents handed to you.
Make a note as to what is said to you.
Don’t be pressurised to buy the product. It is an OPTIONAL product.
Incorrect or non-disclosure by you of relevant facts may influence an insurer on any claims arising from your contract of insurance.
P O Box 32334, Braamfontein, 2017
Tel: (011) 726 8900
Fax: (011) 726 5501
Financial Services Board, P O Box 35655, Menlo Park, 0102
Tel: (012) 428 8000
Fax: (012) 347 0221
If any complaint to the Intermediary/FSP or Insurer is not resolved to your satisfaction, you may submit the complaint to the Registrar of Short-term Insurance.
P.O. Box 74571, Lynnwood Ridge, 0040
Tel: (012) 470-9080/99
Fax: (012) 012 348 3447
Toll Free no.: 0860 324 766
If your Intermediary/FSP was unable to resolve a complaint about a financial product purchased, varied, replaced or terminated, you may submit the complaint to the FAIS Ombud.
Short-term personal lines insurance: Legal insurance.