I have moved premises. What must I do?

Advise your Takaful Agent or us immediately as the area and type of your new premises may influence the underwriting of your cover. Your contributions may change if you have moved to a different area and you may be required to comply with new conditions.

What happens if damage is caused to my property when I have tenants in the property?

The cover under this Agreement will NOT be invalidated by any act or omission of a tenant, without the participant’s knowledge, provided the participant notifies the us in writing as soon as he/she is made aware of such act or omission.

I plan on doing building extensions to my home. How will this affect my agreement and should I advise my Takaful Agent?

There may be certain restrictions that are imposed on you cover during the renovations to your building. Also find out if your contractor has adequate cover/ insurance in place. Contact your Takaful Agent or us for any further advice.

I am renting my home. Do I need to cover the building?

Your lease should state weather this is the lessor or lessee’s responsibility. If not you should negotiate this with the owner and record the agreement.

After fire damage to my furniture at home, I requested a cash payment rather than replacement. Why am I offered less cash than the replacement costs?

We have the option to elect to replace, reinstate or repair the damaged item/s. We are usually able to purchase items at a discounted cost. If they allow you a cash payment specifically on your request, you will receive the cash amount that we would have paid our suppliers.

Rain has leaked through my roof. Why won’t my Agreement pay for repairs? They tell me its wear and tear?

For you to have received this information we would have sent an assessor to inspect the damage. Your agreement covers incidents that are sudden and unforeseeable. Wear and tear is a common exclusion. You as the the participant are responsible to keep your property in a reasonable condition, which would help to prevent any resultant damage.

My home Is not safe to live in due to the damage. Will my agreement cover the cost for temporary living arrangements?

If your schedule has building cover and there is a direct physical loss that makes your home uninhabitable then your agreement will pay for your temporary accommodation. Keep your receipts for additional living expenses during this time.

My home was damaged during a burglary. Is this damage covered?

Generally, your building Takaful would cover this situation. Please read through your Statement of cover to see if you purchased this cover.

I have moved premises. What must I do?

Advise your Takafol Agent or us immediately as the area and type of your new premises may influence the underwriting of your cover. Your contributions may change if you have moved to a different area and you may be required to comply with new conditions.

I plan on doing building extensions to my home. How will this affect my agreement and should I advise my Takaful Agent?

There may be certain restrictions that are imposed on you cover during the renovations to your building. Also find out if your contractor has adequate cover/ insurance in place. Contact your Takaful Agent or us for any further advice.

What happens if damage is caused to my property when I have tenants in the property?

The cover under this Agreement will NOT be invalidated by any act or omission of a tenant, without the participant’s knowledge, provided the participant notifies the us in writing as soon as he/she is made aware of such act or omission.

I am renting my home. Do I need to cover the building?

Your lease should state weather this is the lessor or lessee’s responsibility. If not you should negotiate this with the owner and record the agreement.

After fire damage to my furniture at home, I requested a cash payment rather than replacement. Why am I offered less cash than the replacement costs?

We have the option to elect to replace, reinstate or repair the damaged item/s. We are usually able to purchase items at a discounted cost. If they allow you a cash payment specifically on your request, you will receive the cash amount that we would have paid our suppliers.

Rain has leaked through my roof. Why won’t my Agreement pay for repairs? They tell me its wear and tear?

For you to have received this information we would have sent an assessor to inspect the damage. Your agreement covers incidents that are sudden and unforeseeable. Wear and tear is a common exclusion. You as the the participant are responsible to keep your property in a reasonable condition, which would help to prevent any resultant damage.

My home Is not safe to live in due to the damage. Will my agreement cover the cost for temporary living arrangements?

If your schedule has building cover and there is a direct physical loss that makes your home uninhabitable then your agreement will pay for your temporary accommodation. Keep your receipts for additional living expenses during this time.

My home was damaged during a burglary. Is this damage covered?

Generally, your building Takafol would cover this situation. Please read through your Statement of cover to see if you purchased this cover.

I have a Geyser claim, what should I do?

All Geyser claims should be reported to our call centre on 086 000 1121.
There will be a different procedure for claims during office hours and after hours,
1. Office Hours – the call centre agent will register your claim via the internet and get an authorized plumber to come out to attend to your claim
2. After hours – the call centre agent will register your claim and get an authorized plumber to come out and stop the leak.
You would then need to call during office hours to get the geyser replaced.
P.S. Please remember that should the above procedure not be followed the salvage geyser would need to be kept for inspection

If I have a motor vehicle accident, what procedures am I expected to follow in terms of my Takaful Agreement?

To make the claims process quicker, please make note of the following:

  • Report the accident to the police within 24 hours and obtain a reference number.
  • Obtain the details of any other party involved in the accident.
  • Take details of witnesses, if any.
  • Do not make any admissions, statements or promises without the insurance company’s written consent.
  • Report the accident to your Takaful Agent or us as soon as possible.
  • We would require you to complete a claim form, submit a copy of your ID and drivers license and obtain 2 quotations for repairs to your vehicle.

What happens if the amount outstanding on my HP is higher than the value of my vehicle and my vehicle is stolen or written off?

We would reserve the right to settle any outstanding finance on the covered vehicle with the financial institution concerned, up to a maximum of the sum covered. The participant will then be liable for any additional amount due on the vehicle.

If my vehicle is badly damaged, at what point is it decided that my vehicle is a write off?

Firstly, we will determine if it’s economically viable to repair the vehicle. The main factor influencing this decision is the cost of repairing the vehicle versus the value of the vehicle. Once this amount has been determined we would use a ratio of 70% to 30%. If the total value of the repairs exceeds 70% of the retail value the vehicle would be considered to be uneconomical to repairer and would thus be considered a write off.

My car has been stolen or written off and I’m being offered less than it is covered for?

We will calculate the value of the vehicle based on the current retail value of the vehicle. We would also take into consideration the condition of the vehicle at the time of loss, e.g. excessive mileage may bring the value down. There is also usually a first amount payable applicable.

  • Advice: You should make sure that your vehicle sum covered is adjusted as vehicle values depreciate each year.

If I am involved in an accident but there is no damage to my vehicle, do I have to inform Takaful?

Even though you may not wish to claim it is prudent to advise your Takaful Agent or us of any incident as this may lead to a claim in the future, e.g. a third party may lodge a claim against you some time in the future for injuries that were not apparent at the time.

If my vehicle is damaged in an accident, can I have it repaired at the panel beater of my choice?

We don’t have a panel of suppliers to whom we refer our clients, however we would only authorize repairs at a Sambra or manufacturer approved repairer. e.g if the vehicle involved in an accident is a Toyota than we would recommend that the vehicle be moved to a Toyota approved repairer.
However, should you insist that you want your vehicle repaired by a panel beater of your choice we will give you a cash settlement in lieu of the amount that it would have cost us to repair your vehicle. In such an event, we can obviously not guarantee the repairs of the vehicle

How can I speed up the Motor claim process?

Most motor claims are delayed due to one of the following processes not being complied with:

  • Ensure that all the information on your claim form is correct and contains full details of the third party and any eye witnesses
  • Report the case to the police immediately
  • Provide a clear description of how the accident happened – include a clear sketch
  • Make sure you send us all the completed documentation together with copies of the vehicle reg papers and drivers license

What number do I phone in the event of an accident or breakdown?

You can phone 086 000 1121 and a consultant will be ready to assist you.

How do I register a claim?

There are two ways in which you can register a claim. You can either contact your Takaful Agent or submit a claim online. You must however register a claim within 30 days from the date of incident.

Why am I contractually obligated to inform Takaful of a claim before a certain time period has passed?

The main reason we stipulate a time period for claims submission is to try and limit the extent of the loss. If the submission of a claim is extensively delayed there may be price increases that would not have been applicable to replacement at an earlier stage. The extent of liability when a third party is involved may also increase with time.

If I do not agree with a decision made on a claim I submitted who can I turn to for assistance other than my attorney?

The ombudsman deals specifically with grievances relating to Insurance cover. There is an individual ombudsman for short term and life insurance and the procedure to follow when requiring assistance can be obtained from their websites.

When is a claim fraudulent and what are the consequences?

You make a fraudulent claim if you:
– Claim for items that you did not posses
– Overstate the value of an item that was stolen, lost or damaged
– State incorrectly the circumstances of the loss
Making a fraudulent claim is a criminal offence. This may result in prosecution and also may result in you never being able to get cover again.g.

What if the Facts Change or I Don't Have all the Information Needed to Report a Claim?

Remember you are going to be in contact with your Takafol Agent throughout the claim handling process, so you’ll have plenty of opportunity to provide additional information. What’s most important is to report your claim as soon as possible even if you don’t have all the information. The sooner you report your claim, the sooner we can start processing it. Remember you can contact your agent again if you find additional damage you hadn’t noticed before.

Do I need to file a police report?

Yes. The policy conditions state you must file a police report for theft within 24hrs of the incident occurring.

Why is their a First Amount Payable applicable?

A First Amount Payable is a deterrent against low value claims which would otherwise lead to increased administration and thus lead to increase contributions.

How do I register a claim?

There are two ways in which you can register a claim. You can either contact your Takaful Agent or you can register your claim online. You must however register a claim within 30 days from the date of incident.