Risk Guard Alliance - Car, Bike, Household, Business and Hospitality Insurance

By: Risk Guard Alliance  11-11-2011
Keywords: Vehicles

Our Products Safeguard Our Safeguard product is a standard personal lines policy that caters for the everyday person, insuring his home, contents, vehicles and other personal possessions. We also cover outbuildings as well as reinstatement of landscape gardens and water features.AutoguardHigh valued vehicles R250 000+

If you are a professional or business owner and the owner of a high valued vehicle, the Autoguard product is for you.  It’s a stand-alone vehicle policy designed to cater specifically for high value vehicles with wider cover and low excess structure.

Bikeguard and BikeGuard Plus. Comprehensive motorcycle-specific product, either as a stand-alone motorcycle policy or as a combined policy for personal or professional use.

Includes:

•          Comprehensive insurance to all road, scooters, off-road and quad motorcycles.
•          Insured value is based on retail value.
•          Vehicle replacement with new vehicle in the event of total loss within 12 months of date of first registration or 5 000 km.
•          Low excess structure.
•          Non-standard accessories can be specified.
•          Riding gear and apparel can be specified.
•          Motorcycle trailer can be insured for specified amount.
•          Approved track schools – classes A, B, C and D.
•          MSA-endorsed racing cover on two-wheeled off-road motorcycles.
•          Extended cover outside RSA.
•          24/7 roadside assistance           1) Assistance to uplift/collect insured vehicle from scene of accident.
           2) Roadside assistance in the event of:

•          Flat tyre
•          Electrical or mechanical fault
•          Vehicle breakdown
•          Stranded due to running out of fuel.

Multiguard – Commercial risks

Our Multiguard product caters for small to large businesses ranging from your one man owned/manned office to large factories and warehouses as well as retail ventures. You can pick and choose from a range of cover depending on your business’s individual needs and put it all together in one easy policy. Standard covers that are available under the Multiguard product:

Fire
Buildings combined
Office contents
Business interruption
Accounts receivable
Theft
Money
Glass
Fidelity
Goods-in-transit
Business all risks
Accidental damage
Public liability (claims made basis)
Public liability (occurrence basis)
Employer’s liability
Stated benefits
Group personal accident
Motor
Electronic equipment
Houseowners
Householders
Motor traders internal risks
Motor traders external risksInnguard – Hotels, conference centres

The Innguard product was designed especially for your hotels and lodges (where no wild game is involved). It includes cover which hotels or lodges would need that would just not be available on a normal commercial policy platform. Just some of unique covers that the above product offers are:

Fire (and allied perils) and buildings:Insures your buildings (thatch or standard), contents, stock, plant and machinery, as well as any miscellaneous items not normally insured under any one of the aforementioned categories. Cover that can be included in the above sections is cover for reinstating or restoring landscaped gardens and water features, cover against the pollution of fish ponds, damage caused by the escape of beer or other beverages from fixed installations, cover for loss or damage to fixed external signs, blinds and canopies.

Business interruption cover:

Insures the client against loss of profits due to an insured peril. It also includes cover for cancellation of bookings due to various causes which are not deemed as being an insured peril (such as accident injury, illness or death of the person for whom the accommodation was booked (guest), a close relative, fiancé or close business colleague of the guest or compulsory quarantine) as well as loss of levies for time share units. It also covers losses due to generator failure; air conditioner failure; closure of road, rail and air services; infectious diseases/pollution/shark and animal attack; loss of liquor license extension; absconding of guests; as well as the cost of loss of water.

Theft cover:

Our theft cover is not limited to forcible and violent entry/exit to the premises except in areas where alcohol and/or cigarettes are stored/sold. We also cover goods in the open under this section.

Public liability:

Additional available cover under your standard public liability cover includes; outdoor activities extension which is cover available for liability occurring as a result of horse riding; hiking; game watching activities; game drives; swimming; abseiling; diving and mountain biking; professional indemnity extension; food and drink liability, accidental damage to public services that the insured may become legally liable to pay; as well as car parks liability – damage to vehicles and their contents for which the insured becomes legally liable to pay.The policy also includes cover for standard insurance for which the client may or may not be familiar with such as cover for:Accounts receivable
Office contents
Accidental damage
Employers’ liability
Watercraft
Fidelity
Houseowners
Householders
Machinery breakdown
Interruption following breakdown
Plant all risks
All risks
Money
Glass
Personal accident
Electronic equipment
Motor
Motorcycle
Caravan and trailers
Pleasure craftGuestguards - B&BsOur Guestguard product was created to provide real insurance solutions to the true bed and breakfast/guesthouse establishment. It is unique in its ability to not only cover the commercial operation of the guesthouse or B&B, but was designed with the capacity to cover the personal insurance needs of the B&B owner. Just some of unique cover that the above product offers is:Standard buildings (including thatch)Cover for the building against fire and allied perils. Some of the extras included under the buildings section are the cost of reinstating landscaped gardens and water features; accidental damage to the building; as well as accidental damage to the public supply or mains connection for which you are responsible.Contents:Cover includes full theft cover as well as extras such as power surge as a result of lightning; absconding of guests, i.e. failure on part of the guest to settle their account; refrigerator and deep freeze contents cover; loss of water due to leakage; loss of guests’ effects, up to R50 000.Loss of revenue:Including loss of revenue due to prevention of access to the premises; infectious diseases/pollution which includes cover for interruption to your business due to murder/suicide occurring at your premises; notifiable disease occurring at your premises or shark attack; cancellation of bookings; as well as loss of tourist attraction cover.Other standard insurance:The policy also includes cover for standard insurance for which the client may or may not be familiar with such as cover for:All risks
Money
Glass
Liability
Personal accident
Motor
Motorcycle
Caravan and trailers
Pleasure craftGameguard – lodges

Gameguard:

The Gameguard product is tailor made to suit the insurance needs of game farms and game lodges that would not be available on a normal commercial policy platform. As you will see from the below, we offer many additional extras to ensure that the game lodge is comprehensively insured:Fire (and allied perils) and buildings:Insures your buildings (thatch or standard); contents, stock, plant and machinery; as well as any miscellaneous items not normally insured under any one of the aforementioned categories. Essential for game lodges is cover for death of wile game by fire and allied perils which the Gameguard policy offers at a premium. Other additional cover that is either automatically included or is on an ask-and-pay basis is cover for re-instating or restoring landscaped gardens and water features; cover against the pollution of fish pones; damage caused by the escape of beer or other beverages from fixed installations; cover for loss or damage to fixed external signs, blinds and canopies; deterioration of stock refrigeration units and cooling units; as well as damage to game fencing and damage to the buildings and contents by wild animals.Business interruption cover:Insures the client against loss of profits due to an insured peril. It also includes cover for cancellation of bookings due to various causes which are not deemed as being an insured peril. It also covers losses due to generator failure; airconditioning failure; closure of road, rail and air services; infectious diseases/pollution/shark and animal attached; loss of liquor license extension; absconding of guests; loss of tourist attraction; as well as the cost of loss of water.

Theft cover:

Our theft cover is not limited to forcible and violent entry/exit to the premises except in areas where alcohol and/or cigarettes are stored/sold. We also cover goods in the open under this section and loss of customers’ clothing and personal effects.

Public liability:

Additional available cover under your standard public liability cover includes outdoor activities extension (which is cover available for liability occurring as a result of horse riding, hiking, game watching activities, game drives swimming, abseiling, diving and mountain biking); breakout of wild animals; relocation costs of wild animals; hunting liability; spread of fire liability; as well as liability arising from a wild animal attack; professional indemnity extension; food and drink liability; accidental damage to public services that the insured may become legally liable to pay; as well as car parks liability – damage to vehicles and their contents for which the insured becomes legally liable to pay.The policy includes cover for standard insurance for which the client may or may not be familiar with such as cover for:Motor:Our motor is based on retail value settlements except for game drive vehicles which we will insure on an agreed-value basis. We also offer passenger liability of open game drive vehicles.Accounts receivable
Office contents
Accidental damage
Employers’ liability
Watercraft
Fidelity
Houseowners
Householders
Machinery breakdown
Interruption following breakdown
Plant all risks
All risks
Money
Glass
Personal accident
Electronic equipment
Motor
Motorcycle
Caravan and trailers
Pleasure craftGreenguard – Golf courses and bowling clubs

The Greenguard policy is designed especially for golf courses and bowling clubs, offering cover specifically to cater for the unique insurance needs of golf courses. Below are highlights of some of the unique cover that the product offers:

Fire (and allied perils) and buildings:Insures your buildings (thatch or standard); contents, stock, plant and machinery; as well as any miscellaneous items not normally insured under any one of the aforementioned categories. Cover that can be included in the above sections is cover for reinstating or restoring landscaped gardens and water features; cover against the pollution of fish ponds; damage caused by the escape of beer or other beverages from fixed installations; cover for loss or damage to fixed external signs, blinds and canopies.

Business interruption cover:

Insures the client against loss of profits due to an insured peril. It also includes cover for cancellation of bookings due to various causes which are not deemed as being an insured peril (such as accident injury, illness or death of the person for whom the accommodation was booked (guest), a close relative, fiancé or close business colleague of the guest or compulsory quarantine); as well as loss of levies for time share units. It also covers losses due to generator failure; airconditioning failure; closure of road, rail and air services; infectious diseases/pollution/shark and animal attack; as well as loss of liquor license extensions.

Greens:

This covers the greens, bridges and pathways and irrigation system on the course against damage by any vehicle or animal or by falling trees, fertiliser or chemical damage; malicious damage (as defined in the malicious damage extension); contaminated water; damage by mechanical equipment; storm, water, wind, hail or snow excluding loss or damage by subsidence or landslide; fire, lightning, thunderbolt, subterranean fire and explosion (but excluding power surge unaccompanied by lightning or thunderbolt); earthquake; aircraft and other aerial devices or articles dropped therefrom (excluding damage caused by sonic waves); as well as failure of the water supply (excluding as a result of drought and the lawful withholding of water supplies by any water authority authorised to do so). It also covers loss of profits to the golf/bowling course caused by the aforementioned perils.

Cancellation of events:

This covers financial losses of the insured should an event be cancelled subject to certain events taking place as specified in the policy wording.Public liability:Additional available cover under your standard public liability cover includes outdoor activities extension which is cover available for liability occurring as a result of horse riding, hiking, game watching activities, game drives swimming, abseiling, diving and mountain biking,; professional indemnity extension; food and drink liability; accidental damage to public services that the insured may become legally liable to pay; as well as car parks liability – damage to vehicles and their contents for which the insured becomes legally liable to pay.The policy also includes cover for standard insurance for which the client may or may not be familiar with such as cover for:Accounts receivable
Office contents
Accidental damage
Theft
Employers’ liability
Watercraft
Fidelity
Houseowners
Householders
Machinery breakdown
Interruption following breakdown
Plant all risks
All risks
Money
Glass
Personal accident
Electronic equipment
Motor
Motorcycle
Caravan and trailers
Pleasure craft.Dineguard – Restaurants

The Dineguard product was designed especially for your upper-class restaurants and franchised groups such as Spur, Kentucky, Steers, etc that would just not be available on a normal commercial policy platform. Below are highlights of some of the unique cover that the product offers:

Fire (and allied perils) and buildings:

Insures your buildings (thatch or standard); contents, stock, plant and machinery; as well as any miscellaneous items not normally insured under any one of the aforementioned categories. Cover that can be included in the above sections is cover for reinstating or restoring landscaped gardens and water features, as well as cover for loss or damage to fixed external signs, blinds and canopies.

Business interruption cover:

Insures the client against loss of profits due to an insured peril. It also includes cover for cancellation and curtailment of bookings; loss of income suffered due to an anchor tenant in the same premises moving; loss suffered due to generator failure; airconditioning failure; closure of road, rail and air services; infectious diseases/pollution/shark and animal attack; as well as loss of liquor license extensions.

Public liability:

Additional available cover under your standard public liability cover includes outdoor activities extension which is cover available for liability occurring as a result of horse riding; hiking; game watching activities; game drives; swimming; abseiling; diving and mountain biking; professional indemnity extension; food and drink liability; accidental damage to public services that the insured may become legally liable to pay; as well as –car parks liability – damage to vehicles and their contents for which the insured becomes legally liable to pay.The policy also includes cover for standard insurance for which the client may or may not be familiar with such as cover for:Accounts receivable
Office contents
Accidental damage
Theft
Employers’ liability
Watercraft
Fidelity
Houseowners
Householders
Machinery breakdown
Interruption following breakdown
Plant all risks
All risks
Money
Glass
Personal accident
Electronic equipment
Motor
Motorcycle
Caravan and trailers
Pleasure craftBuildguard – Lodges and restaurants under construction.

The Buildguard policy was designed to cater insurance for lodges, hotels and restaurants in the course of construction with the purpose of giving the owner peace of mind of having his/her insurance all in one place.

Keywords: Vehicles

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