RBS For You Household and Motor Insurance

When you buy insurance, you’re looking for security, a feeling that your valuable assets are covered should something go wrong. You’re looking for peace of mind and certainty. And you want it on the following terms:

• You want the best premium possible
• You want personal, quick, expert service
  
• You want claims dealt with fast and efficiently
  
• You want clear, "plain language" documentation
  
• You want hassle-free no-forms procedures
  
• You want a company with a proven track record
  
• You want individual underwriting - no automatic annual rate increases
  
• You want a premium fixed for 12 months
  

This is exactly what the RBS For Your personal insurance policy offers you. It’s the best available.

You’ve worked hard to get where you are. You’ve made personal sacrifices. And you’ve acquired assets, valuables and collectables. You rightly deserve the best insurance to protect what you own.

You have the status; now you want an insurance product to meet your needs. RBS has the exclusive insurance product you require.

RBS For Executives offers you:

• Preferential, competitive premiums
  
• Highly competitive products with higher limits to accommodate your personal needs
  
• A dedicated RBS consultant to provide you with personal service 24/7
  
• A claims process that is hassle-free
  
• Access to our Assist and Lifestyle program
  
• Automatic all risks cover (no need to specify individual items)
  
• Automatic subscription to RBS Health and Lifestyle Benefits Program.

You’ve worked hard to get where you are. You’ve made personal sacrifices. And you’ve acquired assets, valuables and collectables. You rightly deserve the best insurance to protect what you own.

You have the status; now you want an insurance product to meet your needs. RBS has the exclusive insurance product you require.

RBS For Executives offers you:

• Preferential, competitive premiums
• Highly competitive products with higher limits to accommodate your personal needs
• A dedicated RBS consultant to provide you with personal service 24/7
• A claims process that is hassle-free
• Access to our Assist and Lifestyle program
• Automatic all risks cover (no need to specify individual items)
• Automatic subscription to RBS Health and Lifestyle Benefits Program.

D & O Insurance from RBS

If you’re a Director or Officer, you’re likely at risk. New laws and guidelines - such as the King III Report on Corporate Governance as well as the new Companies Act - lay down onerous, heavier responsibilities for company decision makers and representatives. Even routine management decisions are transformed into rocky, risky terrain. A breach that results in legal proceedings impacts not only the company but individuals personally. The financial implications are severe. This aspect of risk management should therefore never be neglected.

At RBS we have the solution. Our Directors & Officers Liability insurance cover provides coverage in the case of:

• Wrongful acts
  
• Breach of contract
• Breach of duty or trust
• Errors
• Neglect
• Omission
• Misstatement
• Misleading statement
• Breach of warranty or authority
  
• Coverage for: Past and present Directors or Officers (individually and collectively) of parent, supervisory and subsidiary boards - and automatic inclusion of newly acquired or created companies.

RBS Broad Form Liability Cover

New legislation - such as the Consumer Protection Act (CPA) - means drastic new remedies for consumers to go on the attack against businesses now exist. Section 61 of the Consumer Protection Act, for example, contains a plethora of consumer rights aimed at protecting consumers from having to agree to unfair contract terms when purchasing goods or services. It allows for compensation for harm suffered in respect of defective goods;inadequate warnings or instructions regarding hazards; direct or indirect economic loss - in short: manufacturers, suppliers and retailers, beware! Consumers are more empowered than ever. And they also now have easy access to legal processes and expertise to fight their case.
Obsolete liability insurance policies, flimsy disclaimers, inadequate quality control and "hold harmless" agreements with suppliers, may no longer hold up against litigants.Your business needs specialist cover in this area. It is imperative that South African companie sseek a new way of managing their liability risks.
And RBS has the solution!

What is covered? Coverage offered from RBS’s specialist Broad Form Liability Cover include:

• A non-accidental operative clause
• A wide pollution definition (including light and noise pollution)
• Damage to third party property including loss of use
• Care, custody and control
• Product inefficacy
• Pure economic loss
  
• Employers liability including employee to employee claims
• Negligent advice and pure errors and omissions cover
• Incidental medical malpractice
• Contractors liability
• Advertising injury
  
• Copyright infringement
  
• Products recall (subject to a proposal form)
  

RBS For Property insurance is tailored to meet your specific property insurance needs in order to ensure that you have the best cover possible. With RBS For Property insurance you also gain access to certain unique benefits.

Unique cover for:

• Green replacements offered - includes the option to replace your existing geyser with a solar geyser in the event of a claim
• Public Liability cover based on broad form wording limit of R50M
• Trustees liability up to R5M
• R100 000 provision for leak detection
• Theft following forcible and/or violent entry up to the full value of the building
• Theft of landlord’s exterior fixtures and removed by non forcible means up R40 000
  
• 100% of actual repair costs for accidental damage to Public Supply Connections
• Loss of rent until tenanted - up to 30% of the basic sum insured
• Accidental damage - up to R250 000
• Accidental damage to glass not insured elsewhere up to R50 000 (first loss)
• Machinery breakdown up to R50 000
  
• Full cover for subsidence and landslip
  
• Cover up to the full value for leakage from sprinkler installations and other fire extinguishing installations and appliances
• Damage to landscaped gardens up to R20 000
• Loss of keys up to R5 000
• Maintenance and cleaning equipment up to R15 000
• Swimming pool and borehole pump motor up to R15 000
• Watchman’s fees following an insured event up to R15 000 (R1000 per day)
• Wrongful arrest & defamation - R150 000 for any one event or R300 000 for any one period
• Legal defence costs - R150 000 for any one event or R300 000 for any one period
• Claims preparation costs up to R500 000
• Loss of water up to R10 000 per event, R30 000 per annual period
• Eviction of squatters up to R5 000
• Cover during property transfer
• Contractors All Risks Cover whilst building under construction
• Geyser repair or replacement - R10 000 per geyser (no additional premium charges)
• Other Benefits:
• 10% escalation during the period of insurance
• 15% inflation during the further period of reinstatement
• Cost effective excess structure
  

RBS for Wine Farms

Wine farming in South Africa can be very risky. A recent study conducted by the Financial Mail found that only 3% - 5% of South African wine farms actually make a profit. Obviously cost isimportant but it should never be at the expense of financial security.

RBS For Wine Farms hasbeen especially designed so that when it comes to your wine farm - we’ve got you covered.
RBS for Wine Farms offers cover for your assets, losses to whole or part of the crops as a resultof hail, wind, frost and excessive rain. Wine and wine tanks related property is also covered.Public Liability which includes Hunter’s liability, Liability caused by animals, Guest houses andLodges cover and Warehouseman’s liability.
Available extensions include: Damage as a result ofa burst dam wall, Products Liability, Product Recall, US and Canada liability for product exportsand Product Guarantee.

RBS For Wine Farms also covers damage to trellises, fences and plant material caused by fire due to uncontrollable causes, explosion, lightening, earthquake, malicious damage, special perils and loss of revenue.

RBS is a brokerage which means each policy will entitle you to preferential, competitive premiums, a dedicated RBS consultant to provide you with advice and personal service,ensuring a hassle free claims process.

At RBS Katz Breskal, our emergency roadside and home assistance teams never sleep. We’re wide awake, manning the phone lines 24 hours a day, 7 days a week just in case you have an emergency and need our speedy assistance. These additional services were designed to compliment and add value to our existing clients and products. Clients are issued with an Assist wallet card with a 24/7 call centre number on it in case of emergencies.

Benefits include:

• AA Roadside Assistance and Auto Assist
  
• Medical Emergency Assistance (Within the borders of South Africa)
  
• Identity Theft, Your Lifestyle
  
• C5 HIV Preventions Plan