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MUTUAL & FEDERAL

The oldest and most trusted agricultural insurer in South Africa


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186 Years of Heritage AND INNOVATION

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Not many globally successful enterprises can boast the extent of experience that Mutual & Federal has in South Africa’s insurance domain, but the Company’s commitment to innovation is as strong as ever today Writer: Matthew Staff | Project Manager: Stuart Parker

s experts across personal, commercial, agriculture, engineering and marine insurance, Mutual & Federal’s reputed name is derived from an extensive range of products and solutions that fulfil South Africa’s personal, commercial and corporate needs. Made up of Personal, Commercial Lines and Distribution; Corporate and Niche; Agriculture; and Credit Guarantee Insurance Corporation of Africa, these four divisions combine to affirm its position as not only the most experienced, but one of the most diverse and trusted operator in the country. “On the Commercial side, for the small to medium sized enterprise (SMEs), we cater to all insurance and risk needs,” explains the Company’s Chief Operating Officer (CEO), Michelé Schliesser. “Solutions include cover for business interruption, theft of money, legal liability, company fleet vehicles, and fraud losses, amongst others. Furthermore, we offer specialised insurance for niche businesses and professions including medical practitioners, veterinarians and florists to name just a few examples. “Within our Personal division, we offer insurance cover for personal belongings - including home, household contents and vehicles – as well as offering personal all-risk and liability cover, hospital plans, and various forms of personal accident policies.” Mid-sized and large multinational organisations are catered for via Mutual & Federal’s corporate arm in offering asset protection, fire cover, accident and motor fleet insurance, and much more; while its origins in the Agriculture domain are addressed through tailored insurance services to assist farmers in running their businesses. “Other specialist areas of our corporate insurance services include

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JENKINSON & WHITTLE LOSS ADJUSTERS

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tarting from small beginnings in 1994, Jenkinson & Whittle Loss Adjusters focused initial attentions on domestic building and contents claims. We are honoured to have experienced a longstanding relationship with Mutual & Federal from our inception and have now matured into a proudly South African adjusting Company with capacity to handle medium to large, complex domestic and commercial non-motor claims. Our staff complement includes a team of engineers including civil, structural, mechanical, electrical and chemical and also a professional architect. These professionals are highly trained and qualified for the handling of insurance claims matters. As such we now have the expertise and resources to handle domestic and commercial non-motor claims in the fields of buildings, plant and equipment, contents and electronic equipment.

Taking pride in being one of the oldest businesses in South Africa

Engineering, Credit Marine Insurance, as well as Risk Financing insurance entities. Throughout everything, Mutual & Federal prides itself on its claim paying ability,” Schliesser says. She continues in detailing the Company’s other key market differentiators: “We pay all legitimate and valid claims. We also pride ourselves in being the oldest insurers and one of the oldest businesses in South Africa, having operated continuously for 185 years. “We were recently rated as South Africa’s third best short-term insurance brand in the business category of the 2016 Sunday Times Top Brands Survey. This followed soon after South Africans rated us as the second best and most-improved short-term insurer in the SA Customer Satisfaction Index (SAcsi) in June, 2016.”

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We have embarked on the establishment of a national footprint in South Africa, and have opened branches in the Eastern and Western Cape. We plan to open offices in KwaZulu-Natal, Free State and Mpumalanga within the next year.

We were recently rated as South Africa’s third best short-term insurance brand in the business category of the 2016 Sunday Times Top Brands Survey

We thank Mutual & Federal for their continued support over the past 20 years which has enabled our Company to grow into a meaningful and resourceful operation, providing insurers with professional services and support wherever and whenever we are needed. We strive towards providing insurers with the highest level of professional service, and pride ourselves on being a dynamic team, with a blend of experience, skills, creativity and energy. T +27 11 888 1875 E admin@jenkinson.co.za


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Impressive gains

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Nearly 200 years of experience is a feat difficult to rival in any industry, let alone a relatively fast changing insurance sector which calls for the most forward-thinking, innovative and trend adhering strategies in order to succeed. With age comes experience though, and having witnessed every domain fluctuation up to this point, no Company is in a better position than Mutual & Federal to prepare for every eventuality and client requirement. “The forerunner of Mutual & Federal, the South African Fire and Life Assurance Company, first opened its doors on 14 March, 1831,” Schliesser looks back. “After trading profitably for 64 years, South African Fire and Life was then acquired by London & Lancashire which, in turn, was absorbed by the Royal Group in 1962. “In the 1960s, South Africa became a republic and the Government directed

that all branches of foreign insurance companies operating locally should be registered as South African companies and trade on the Johannesburg Stock Exchange. This conversion became known as the ‘domestication of foreign companies’.” As a result, the majority of the Royal’s businesses in South Africa merged with Old Mutual’s short-term company, the SA Mutual Fire & General Insurance Company, in 1970. Then, to assume a truly South African identity, ‘Mutual’ and ‘Federal’ elements were united to create the brand that is known today. “Mutual & Federal Insurance Company was born and the rest – as they say – is history,” affirms Schliesser. Since that moment, the Company has undergone numerous diversifications and expansions to ensure it is meeting the widest range of customer demographics possible, with as strong a service portfolio as possible.

ORO HYDE PARK JEWELLERS

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RO Hyde Park Jewellers, established in 1921, is a fourth generation family jeweller nestled in the heart of prestigious Hyde Park with 95 years of experience in both retail and wholesale jewellery design and manufacturing with a dedicated department for insurance replacements. One of the preferred Jewellery suppliers to Mutual and Federal, our objectives are to maintain a consistently high quality of workmanship and an unquestionably robust effort when sourcing and selecting our stock of precious and semiprecious stones. Our clients’ complete satisfaction is our top priority. With a talented design eye, an intrinsic sense for quality and a deep understanding of her clients’ needs, Cathy Lipman has steered the Company through many years of dynamic growth to become market leaders in the jewellery industry; manufacturing and supplying jewellery not only to the public and the insurance sector but to esteemed leaders like Nelson Mandela and Bill Clinton! Products and services • Clients are presented with a Gemological Institute of America (G.I.A) or a European Gemological Laboratory (E.G.L.) Certificate as proof of authenticity of all diamonds and precious stones. • Valuation certificates for the full replacement value of the item/s purchased. • Oro Jewellers Durban is one of the largest Indian Jewellery manufacturers in South Africa which also supplies to Indian Jewellery retailers nationwide. With plans to expand our service in the future, the desired goal of ORO Hyde Park Jewellers is to keep providing jewellery that is both unique and inspiring. T 011 325 5098 E oro@gam.co.za

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an family - Te Lipm

Head Office: 5th Floor, Hyde Park Office Towers, Hyde Park Corner Physical Address: Shop 64, Level 6, Hyde Park Corner, 011 3255098

• J o h a n n e s b u r g • D u r b a n • C a p e To w n •

Contact details: Tel: 011 325 5098 Fax: 011 325 4177 Email: oro@gam.co.za


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CLARK & KENT Clark & Kent boasts a rich history in vehicle repair that spans over 120 years! Clark & Kent offers comprehensive vehicle repair of passenger & commercial vehicles. We are FACTORY approved by most vehicle manufacturers and all reputable insurance companies including Mutual & Federal - repairing more than 250 cars and 40 trucks a month. Our 8,500 square-meter workshop is equipped with the latest and most sophisticated equipment to ensure highest repair standards while providing friendly and efficient service. Clark & Kent have the experience and competence to meet your needs. T +27 31 205 7251 Nearly 200 years of experience is a feat difficult to rival in any industry

The past few months alone epitomise this ethos in overseeing a number of significant milestones. Schliesser notes: “Not only did we launch several products to fulfil our mandates, but the Company also recorded impressive gains in its customer service levels as measured by the decline in cases or claims decisions overturned by the Ombudsman of the Short Term Insurance (OSTI). “The first product we launched was prosure, which was rolled out in May, 2015. Mutual & Federal followed the launch of prosure with the rollout of the motorsure product a month later in June, 2015. The launch and subsequent take-up was a great success with the Company signing up more than 5,000 active motorsure policies by December, 2015.” Motorsure now serves as the Company’s new motor-only policy specifically designed to protect customers’ motor vehicles against accidents, fire and theft and has received immediate critical acclaim.

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Not only did we launch several products to fulfil our mandates, but the Company also recorded impressive gains in its customer service levels...

www.clarkandkent.co.za


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Clark & Kent offers comprehensive vehicle repair, panel beating, spray painting and many other services as well as a lifetime guarantee on paint and a minimum one-year guarantee on all workmanship. Follow us on:

audi volkswagen Volvo trucks

‘Quality work on time’ 360 Sydney Rd, Congela, Durban, 4001 • www.clarkandkent.co.za Email: info@clarkandkent.co.za • Tel: 031 205 7251

South Africa’s largest salvage operator. Your tried and trusted partner. Buy It. Fix It. Love It.

SMD is South Africa’s largest Salvage Operator, specialising in the administration, management and sale of over 400,000 vehicles to date. Trusted by over 65 suppliers including insurers, brokers and underwriters; some benefits of partnering with SMD are: • Innovative leader with a proven record in optimising returns and increasing your bottom line. • Highest salvage recoveries. • National footprint of own managed yards with assessment facilities. • Exceptional brand equity with over 400,000 visits per month to our website, 268,000 Facebook fans and a database of clients built-up over two decades.

SMD Head Office: 28 Regency Drive, R21 Corporate Park, Irene, Centurion. Tel: 087 285 0232 Email: info@smd.co.za www.smd.co.za

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THE DIGITAL EXPERIENCE

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he Digital Experience offers its customers a unique shopping extravaganza. It carries most of the major electronic brands and has a large stock holding ensuring the best choice and pricing. Experienced staff are on hand to assist and advise on the latest available and up to date merchandise and technology. Our Insurance Replacement division works with all the recognised Insurance Companies and provides professional advice, quotes and replacement equipment to the Insurance industry and their clients. The organisation offers the assurance of real store backing, high street shopping confidence and the knowledge that all goods are supported by authorised South African agents. T +27 11 465 1466

Filling gaps in order to add value for customers

“The early success and support received from intermediaries for motorsure indicates that this product solution adds great value to customers and at the same time, filled a key product demand gap that existed,” Schliesser adds. “More recently, we have also introduced various value added services to strengthen our online offering to our customers. These new online functionalities meet the needs of our customers and expand our customer-focused solutions. “’Find a Broker’, ‘Glass Claims’ and ‘Household Content Calculator’ are the three solutions in question and the latter especially will enable online users to easily estimate the value of their home contents and the search tool will help customers to locate a broker or adviser in their preferred province, city or suburb, to provide short-term insurance advice. “These tools could also further provide a platform to generate leads for our brokers and advisers.”

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SHELLY’S PANEL SHOP

F More recently, we have also introduced various value added services to strengthen our online offering to our customers

ormed from humble beginnings in the early 1980s, and with consistent growth, Shelley’s Panel Shop provides a wide range of services to the general public and the motor industry as a whole, using the most technologically advanced equipment. We are passionate about repairing motor vehicles, which we intend to take to another level. Our support for emerging and BEE businesses and local entrepreneurs also ensures that they enjoy our success with us. We have worked hard on establishing partnerships with the motoring and insurance industries and intend to ensure that will sustain this and that it grows as we expand.

www.shellyspanelshop.co.za


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T HE DIGI TAL SOUND

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We are a well established retailer in the northern suburbs of Johannesburg, with many years experience. We offer a remarkable range of audio, computer, visual and photographic equipment from the major brand importers.

VISIT OUR RETAIL OUTLET Shop G 17 Fourways Crossing Centre Cnr William Nicol and Sunrise Boulevard, Fourways

Please call +27 (0)11 465-1466 for further details

Professional

Spraypainting & Panelbeating of new and used passenger vehicles, vans, trucks and buses.

www.shelleyspanelshop.co.za

>>>>> Full 3 year guarantees on Accident Relation Repairs and Spraypainting <<<<< Telephone 021 638 4939 Mobile Mark Witten 082 411 6968 Debbie Witten 082 783 3777 Businessman of the year (2007)

Kyle Witten 082 738 6520 Matthew Witten 082 731 1822

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REFLEX PANELBEATERS AND SPRAYPAINTERS

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eflex Panelbeaters and Spraypainters is one of South Africa’s leading B-BBEE accredited vehicle repairers located in Wadeville, south of Johannesburg, and has been in operation since 1989. Awarded the highest major structural repairer accreditations for all aspects of our operations and having obtained factory approval from major vehicle manufacturers, the Company has earned its reputation as industry leaders.

T +27 11 824 4791 E reflexpb@netactive.co.za

www.reflexpanelbeaters.co.za The loyal Mutual & Federal team enjoys working for South Africa’s oldest insurers

Technological advancements

These products were added after recognition from Mutual & Federal that the industry market is largely a digital one in the current age. And considering Africa’s position as one of the global leaders in mobile phone usage and emerging uptake, the need for quick and easy tech solutions was clear for the Company to see. “Technology is manifesting in multiple aspects, and is going to shape the way we do things. We are currently seeing pockets of technological advancements,” she explains. “A key ability that technology will unlock is the ability to multi-channel; interacting with clients and aspirant clients on multiple platforms. “The ability to bring those channels together seamlessly is a key challenge though. We are seeing more companies moving from legacy and mainframe systems to more serverbased technologies.” Fortunately, Mutual & Federal has

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Technology is manifesting in multiple aspects, and is going to shape the way we do things. We are currently seeing pockets of technological advancements

a concerted history of being able to start and complete the value chain in whichever way the market requires, and the same has been true in the digital age. The majority of industry players have begun to complete their transitions from legacy systems to more server-based systems, and this is an aspect which the organisation will look to refine further in the future. “Going forward, we need to digitise a lot more of the value chain,” Schliesser affirms. “Most insurers have launched apps as a step towards achieving this. Another key technological trend we are researching is gamefication; especially in the realm of apps for driver behaviour. “Telematics is another area companies should be putting resources into. It would allow them to price at an individual behaviour level as this technology will allow them to take individual driver behaviour into account. Accident management services will also change.”


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Telephone: +27 11 824 4791 Email: reflexpb@netactive.co.za www.reflexpanelbeaters.co.za

21 October 2016

We are one of South Africaâ&#x20AC;&#x2122;s leading and accredited vehicle repairers AFRICA OUTLOOK REFLEX PANELBEATERS & SPRAYPAINTERS

Reflex Panelbeaters and Spraypainters is one of South Africa's leading B-BBEE Accredited

vehicle repairers located in Wadevile, South of Johannesburg and have been in operation having obtained factory approvals from major vehicle manufacturers since 1989. Awarded the highest major structural repairer accreditations for all aspects of our operation and having obtained factory approval from major vehicle manufacturers, Reflex Panelbeaters and Spraypainters has earned its reputation as industry leaders. Reflex Panelbeaters & Spraypainers Corner Rossouw & Nagington Rds, Wadeville, Germiston South Africa Telephone: +27 11 824 4791 Email: reflexpb@netactive.co.za Web: www.reflexpanelbeaters.co.za

Priding ourselves in quality repairs & service at a competitive price.

Want your car to look like new again? Get in touch for a FREE QUOTE Office +27 (0)11 477 6151 /2/4/7 Fax +27 (0)11 477 6173 Email major2@mweb.co.za

> Structural Repairs > Towing Services > Courtesy Cars All with an outstanding friendly fast and reliable service!

www.major2.co.za

26 year years experience

Honey Attorneys is one of the most reputable companies of attorneys, highly regarded for its professional service and continued client commitment. Honey attorneys offers a wide range of services to financial, property, retail, corporate, private and public sector clients â&#x20AC;&#x201C; ensuring that clients have access to the skills and resources aimed at solving a diverse range of legal challenges.

+27 51 403 6600 www.honeyattorneys.co.za

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Oldest and most trusted

Behind every technological improvement, capital investment and strategic decision is a workforce of more than 2,300 skilled and committed people across all of Mutual & Federal’s branches in South Africa; dedicated from top to bottom to empower customers and put them at the centre of everything the company does. “Our commitment to employment equity and Broad-Based Black Economic empowerment (B-BBEE) is demonstrated by a workforce which is 68 percent black and 58 percent female,” Schliesser states. “Mutual & Federal uses an integrated talent management framework to identify high potential leaders in the organisation, who are placed in our various management and leadership development programmes.” As part of this HR ethos, there is also a strong commitment to localisation, ensuring that South African beneficiaries of the Mutual & Federal offering include people within the business as well as outside of it. The supply chain receives the same treatment where possible by adopting a local procurement policy as well as a bias towards smaller operators and female-owned businesses.

Award-winning innovation

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All of this extends into the Company’s tailored corporate social responsibility (CSR) efforts aimed at areas outside of the business’s initial remit. She says: “Mutual & Federal’s CSR programme focuses on activities that complement our business operations within the short-term insurance industry, while simultaneously aligning with the Company’s own transformation objectives and addressing the needs of many underdeveloped communities. “Investments are particularly focused on initiatives relating to education (especially mathematics and science) and agricultural socio-

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Mutual & Federal’s CSR programme focuses on activities that complement our business operations within the short-term insurance industry


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We Do It Right The First Time... And On Time... ✓Manufacturer Approved

We offer our clients comprehensive vehicle repairs and spray painting solutions, specialising in both car and truck repairs, with the top range of equipment and highly trained staff.

economic development in order to make a sustainable difference in the lives of beneficiaries. An increasing focus at Mutual & Federal will be the encouragement of staff volunteerism both in terms of hands-on involvement and identifying desirable projects within their own communities.” Providing innovative solutions to both its clients and these peripheral communities has formed the basis for Mutual & Federal’s success over the centuries, and the overriding ambition remains the same in becoming the short-term insurer of choice in the country; trusted by a loyal, financiallyprotected customer base. She concludes: “On 16 October, 1916

ww.panelbeatersdirectory.co.za/ listing.php?listing=tugela-panelbeaters-&listings_id=987 troyden@motorfactors.co.za (T) + 36 633 0081 (C) +82 879 7889

CSR investments are particularly focused on initiatives relating to education

the first Agricultural Insurance Policy was issued in South Africa and we were part of that historic event. “100 years later and we still lead the pack in crop and agricultural asset insurance with innovative solutions for

farmers. We intend to keep growing and serving our valued customers for many years to come, so that they can reap the rewards of being insured by the oldest and most trusted agricultural insurer in South Africa.”

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Mutual & Federal Mutual & Federal Building 75 Helen Joseph Street Johannesburg South Africa T: +27 11 374 9111 F: +27 11 734 2652 www.mf.co.za

www.outlookpublishing.com

MUTUAL & FEDERAL  

Mutual & Federal Business Brochure - Africa Outlook Issue 44

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