Specialised domestic insurance
Specialised domestic insurance Aquarius Underwriting Managers (Pty) Ltd Postal address: P.O. Box 3002, Bromhof, 2154 Drew Schnehage Deputy managing director Phone: 086 727 7854 Fax: 086 688 8361 Cell: 082 570 0359 Website: www.aum.co.za Products: U-NIQUE Personal for high net worth: A specifically designed, tailor-made U-NIQUE product for affluent clients. The U-NIQUE product, which is nearly seven years old, was born out of the recognition that independent brokers seldom had a VIP channel for their high net worth clients and could not guarantee special service from conventional insurers. We have over 200 specially selected insurance brokers who support the product in most parts of the country, testimony to the products growing appeal and success. The distinguishing feature of this policy is the assets out option. This option replaces the traditional unspecified all risks and allows your client to have open cover of up to R250 000 for jewellery, photographic equipment and personal effects with the selection to increase the values.
U-NIQUE Personal for middle-market: The product is aimed at the upper middle class, ordinary folk in greater Johannesburg typically paying between R1 000 and R3 000 per month on insurance. Aquarius has retained the services of Qantam, the pioneer in pre-loss assessments, to see every risk it underwrites and inspect every vehicle. Qantam also completes a detailed inventory and valuation, agreeing the values with the client. Values and ownership when established up front result in trouble free claims. The inventory, which Qantam keeps updated, doubles as a policy schedule, removing the need for separate household and all risks sections and the administrative burden and misinterpretation that results. Qantam completes an inventory with your client, listing everything in the home. The valuation summary will give your client a breakdown of the premium allocated to each category; he/she can then decide which categories or items to cover. The product also offers a Grosure option, when a client selects a voluntary excess, we will place the premium saving in a savings account with the option to draw the funds at any given time. The product is very flexible and the client can structure the options on agreed value, replacement value or cash option.
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