Tuesday, June 23, 2015

In 2012, South Africa earned the contentious title of ‘protest capital of the world’*. And according to the Institute for Security Studies, the trend continued between January 2013 and February 2014, when a staggering 430 service delivery protests were recorded. Recently, protests in Cape Town’s CBD, and the scourge of violent attacks against foreign nationals in KwaZulu-Natal and Johannesburg, have left residents shaken and concerned about their safety and their property.

“Because of the unpredictable and often chaotic nature of these incidents, both private and public property can suffer expensive damage,” says Head of Dialdirect Insurance, Warwick Scott-Rodger. “It is for this reason that we encourage people to ensure that Sasria cover is included on their insurance policies so that they are covered should the matter affect them personally. If they’re not properly covered, their insurance company might reject claims for damage or loss incurred during a strike, civil unrest or protest.”

SASRIA, which stands for ‘The South African Special Risks Insurance Association’, is a state-owned entity that provides cover for loss or damage to insured property as a direct result of civil unrest, including rioting, strike action and public disorder. Sasria is the only insurer in South Africa that provides cover for any damage caused during these kinds of incidents.

In a recent interview, Thokozile Ntshiqa, Executive Manager at Sasria’s Stakeholder Management Division, reminded South Africans of the importance of having Sasria cover. She was quoted as saying, “it is therefore imperative for those with short-term insurance to verify with their brokers and insurers that Sasria cover is included in their underlying policy. Sasria cover is applicable to personal property such as vehicles, homes and household contents, as well as commercial and government property.”

Warwick Scott-Rodger adds to Ms. Ntshiqa’s entreaty, saying: “Sasria is automatically included in your car insurance policy, if your vehicle is currently financed, and you tell us this during the underwriting stage of your policy. After the vehicle has been paid off, your Sasria cover will continue as long as your insurance policy does.”

He goes on to urge car owners to check with their insurance companies that Sasria cover is, in fact, included on their premiums. “If your car isn’t financed at the time of taking the policy, or if you’re insuring your house or home contents, then Sasria cover is optional, and won’t be automatically included.”

“Considering that with Dialdirect, you can easily add Sasria cover to your policy over the phone, and it costs only R7 extra a month, it just doesn’t make sense to not make sure you have it.”

Click here for more information about Sasria cover.

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