The reality of load shedding continues in South Africa and many consumers want to know exactly what their insurance cover entails.
At Santam, we understand that load shedding can have a big impact on clients who often have to deal with damage to appliances brought on by power surges or risk loss through theft or burglary as a result of faulty security measures.
Insure your home with Santam
When there is load shedding there is a good chance that your home security measures may be affected, which may raise concerns around the safety of you and your family. If you secure your home with a motorised gate and a home alarm system, you may wonder if you’re going to be covered for theft and any other type of loss in the event of load shedding. In most cases, Santam recognises that the cause of the loss was ‘beyond your control’ and will consider your claim for theft where your security systems did not function properly as a result of load shedding.
- Limited cover: Minimum cover against power surges of R5 000 with an excess of R500;
- Comprehensive cover: In the case of power surges, you can opt to increase the limit under the Accidental Damage section but it is very important that you check if there are any exclusions in your policy schedule that you need to be aware of.
- Additional cover: The option to take out cover for deterioration of contents of refrigerators should load shedding exceed 24 hours; and
- SOS services: Six free SOS services to all personal lines clients.