Insurance is a complicated process. How would the ordinary consumer recognize a reliable, credible, financially sound insurer with a proven track record whose policy terms are clear and transparent? That is exactly why the team of professional financial advisors at IntegriSure is worth its weight in gold.
What should you be looking for? Surely you will want an insurer whose business is based on ethics and character and who fully cares about the interests of its clients. IntegriSure is proud to be in partnership with Santam, the largest short-term insurer in South Africa. At IntegriSure-Santam we spend by far the largest portion of premium on the settlement of claims.
We and our partners focus collectively on benefiting you as much as possible and ensuring your peace of mind.
It is quite difficult to compare the wording of one policy with another yourself, in order to calculate the chances of your risk being properly entrenched. It is a task performed for our clients on a daily basis by our financial service providers. So many consumers believe, for instance, that vehicle cover is exactly the same everywhere. The portfolio composition of different insurers vary. Make sure which one best fits your lifestyle and personality. The wrong choice can severely hurt you financially.
Because every policy has terms and conditions, it is of critical importance that they fit your view of fairness and integrity. Therefore, the ‘best premium’ has to be compared with the conditions, independence and service that you will receive. That way you can decide for yourself whether it is indeed the ‘best premium’, says Arnold van der Linde, CEO of the IntegriSure Group.
You, the consumer, should be fully informed by your insurer about what is covered and what is not. Once again, ensure that you select the portfolio that suits you best. IntegriSure firmly believes in the old saying that knowledge is power! That is why we will go out of our way to keep you informed.
We can’t control the global economy or the world’s climate, but we do accept responsibility for our choice of partners. You may rest assured that we only select partners who don’t only protect their own income, but also add value to you as an IntegriSure client. Wrong partners destroy reputations and can lead to premiums being escalated out of proportion.
Many clients are confused by difficult policy wording. The word ‘comprehensive’, for instance, does not necessarily mean the same to all insurers. Terms differ and that’s why it is important to ask whether your vehicle is insured for trade-in value, market value or resale value – and in particular what your excesses will be.
It is extremely important to compare apples with apples. It does not necessarily mean that certain insurers are dishonest; it may just be a matter of how their portfolios are compiled. Select someone you can trust and who will keep you fully informed.
Excess is one of the major points of confusion. People often concentrate on the premium only. A 30% lower premium means nothing if your excess is exceptionally high! That is why we at IntegriSure are completely transparent, to ensure that every client can compare apples with apples. Make sure, too, that there isn’t a string of strict conditions attached to the term ‘No Excess’. It could completely ruin your chances to claim for an incident which has caused severe personal loss.
IntegriSure firmly believes in providing each client with total peace of mind. But peace of mind only proves its true value when something goes wrong and you have to claim. What you need, is the best combination of product, price and SERVICE in particular.It is important that this be discussed at braais, in livingrooms and in boardrooms. This way you will ensure that your business relations, relatives and friends enjoy the benefit and may rely on the integrity and ethics of a reliable financial services advisor such as IntegriSure.
Whenever we seek business partners, we apply the same value systems and guidelines, because their values become ours, which in turn must add peace of mind, stability and value to your life.
Van der Linde concludes: “I thank you and the thousands of our other clients who have entrusted their peace of mind to the many years of experience and integrity of IntegriSure and its insurance partners.”