I though that i would copy in a post from Discovery Insure, seeing as how they have practically listed the “innovative” extra’s that they offer with the Insure product better than i would have been able to.
(taken from Discovery Insure’s “Smart Tips” – 09/10/2013)
“This
week’s SmartTip focuses on Discovery Insure’s unique selling features that are
not offered by any other short-term insurer selling personal lines cover in the
South African market. It is important to highlight these features to your
clients.
Rewards for driving well
Vitalitydrive
incentivises clients to drive well by rewarding them with up to 50% (a maximum
of R750 per month) of their monthly BP fuel spend back. Key features of
Vitalitydrive include:
- DQ –Track, a stolen vehicle tracking and recovery
device which is provided at no extra cost (This results in a saving of
roughly R268 per month.) In addition, there are no contractual
obligations. - Fuel rewards are paid monthly into the client’s premium
paying bank account. - Fuel rewards are paid irrespective of whether or not a
client claims. - Clients also benefit from an Excess Funder Account,
which provides them with a unique way to fund their excess in the event of
a motor claim.
Vehicle and passenger safety features
- ImpactAlert enables us to contact clients as soon as
they have been involved in a severe accident to offer our assistance. - We are able to detect in real time if your client’s car
is being driven in a more severe manner than normal that may indicate a
hijacking or theft taking place. This unique driver profiling allow us to
proactively contact the client and provide assistance.
In
both instances, if we are unable to reach the client, we will despatch
assistance immediately.
Innovative cover solutions
The
following benefits are included in our cover:
- Our No-excess benefit means clients don’t pay an excess
for certain events that are not their fault (for example; Hail, fire and
theft, with visible forced entry.) - Our Estimated maximum loss feature, which allows
clients to reduce their premiums, but still get the cover they need for
their portable possessions. - Our no-average guarantee ensures clients’ household
contents are sufficiently covered. - Car hire is included automatically on the Classic Plan
and Executive Plan for up to 30 days (with an option of extending this to
60 days).
Clients
can also choose to add the following optional cover benefits at an extra cost:
- Our retail cover booster pays out 15% more than the
retail value of a client’s car in the event of a total loss. - With the Write-off accelerator, clients can choose to
have their cars written off if the damage to their car is greater than
either 40% or 50% of their car’s value. - The Vitalitydrive Life Integrator gives clients a 10%
discount on their life premiums, and up to 7.5% in guaranteed cash backs
each year.
Innovative service offerings
- FastTrack claims replaces specified electronic devices
within 48 hours, following a theft. - Xpress assessing guarantees an assessor at your
client’s premises within 24 hours of them notifying us of a household
contents or buildings claim.
Don’t
forget that your Select clients get an automatic 5% discount off their
Discovery Insure premium based on their Vitality status and whether or not they
have a DiscoveryCard or Discovery Life cover. This discount could be as high as
25% based on their engagement, overall risk and financial behaviour.”
If you would like a quote on your personal insurance, please email
“info@businessowner-cover.com” with policy details
Thanks
Kenny