Are You Covered?
Home & Auto Insurance.
Here at Pecinia Brokers we understand that we all work hard to build up assets and that entrepreneurs, usually work their whole lives to build a good life and even harder to maintain that standard of living. Unforeseen events can be devastating. This service is offered to individuals, business clients and corporate clients. We offer a variety of quotes to ensure that we can offer you the best possible rates with the most effective cover. Business and corporate clients will be assisted and consulted with to provide quotes.
House Insurarnce
Building and Household Insurance – Covers for the event of Break-in and theft. Damage caused by fire, storms, lightning etc.
Vehicle Insurance
Car insurance – To cover in the event of an accident, Theft and fire…
Personal Items
Donec rutrum congue leo eget malesuada. Curabitur non nulla sit amet nisl tempus convallis
Leisure
Leisure Insurance – Covers watercraft and motorcycles through to caravans etc.
VEHICLE, HOUSE AND BUSINESS INSURANCE
Why do I need to be insured for my vehicle, house and business?
With today’s climate changes, the increase rate in crime and accidents, it is necessary to know that you are covered for those events and you will be restored to your former state.
GENERAL INFORMATION ON SHORT TERM INSURANCE
Most insurance companies use the MEAD & MCGROUTHER to determine the value of vehicles, there are two main types of values to insure your vehicle with. Being aware of how you insure your valubles is important as it may have an effect on your premium and also may cause many problems when the time comes to claim.
- MARKET: The value of the vehicle at day of claim.
- RETAIL: The retail value gets paid.
Most insurers provide an option for you to choose which one you would prefer.
POLICY CONDITIONS
Policy conditions mean that each company has their own rules and regulations that need to be applied. With these rules and regulations, both parties remain protected. It is important to be aware of all the policy conditions. Please make sure that you always have a recent copy of your policy schedule, be sure to read through and understand the content for your protection.
TYPE OF USE
This refers to the use of the item you are insuring. There are three ways of insuring your items:
- PERSONAL: Strictly personal. Which means that you use the vehicle for your everyday living i.e. to work and back, social or errands
- BUSINESS: When a vehicle is used to see clients or going to business meetings. If your vehicle needs to be insured for business use, you may still add it to your personal policy, you don’t need a commercial policy.
- COMMERCIAL: When the vehicle is used to transport work related items or employees. When Business is traded or conducted from the premises. When equipment or machinery is used to provide income or do business with.
PERSONAL/INDIVIDUAL INSURANCE
BUILDINGS
The physical construction of home and outside buildings. This includes all geysers and fixed installations.
CONTENTS
All items inside the home.
ALL RISK
Unspecified items Items that are normally carried with you that have a lower value. terms and conditions of each policy applies.
Specified items
Items with an expensive value, that are portable. For example: cell phones, laptops, cameras, jewelary, etc. These items must be specified to be covered. -Terms and conditions of each policy apply.
VEHICLES
There are three ways of insuring your vehicle.
COMPREHENSIVE: If the vehicle is in an accident and there is any damage and third party damage, if the vehicle gets burned stolen or hijacked. Terms and conditions of each policy apply.
THIRD PARTY FIRE AND THEFT: If the vehicle is damaged in a fire or stolen, it is coverd. Third party damages are covered. Any other damage to your vehicle, will not be covered. Terms and conditions of each policy apply.
THIRD PARTY ONLY: Only damage you cause to third parties will be covered.
OTHER ITEMS CAN ALSO BE INSURED
4×4 vehicles
On road / off road motor bikes and quads
Caravans
Trailers
Watercrafts
Roadside assistance and Car hire may be added as additional benefits.
And many more items, depending on insurable intrest of these items, we will be able to insure your precious possesions.
BUSINESS / COMMERCIAL INSURANCE
We at Pecinia Brokers understand that your business is your life, not just your income. Protecting your assets is vital. Many companies abuse this and charge a fortune. We at Pecinia Brokers aim to assit you with the correct advise and information, assuring that you get the lowest possible premiums with the best possible cover. Having Pecinia Brokers by your side means that when it comes to claiming – you have someone fighting for your best interest, worse than a nagging wife!
FIRE
Specify certain items for protection against fire, ie buildings, rent, contents, stock, miscellaneous, etc.
BUILDINGS COMBINED
This cover is seen as comprehensive insurance. All your valuables can be insured.
OFFICE CONTENTS
Specified insurance for office contents, this includes furniture.
BUSINESS INTERUPTION
Cover against loss of income or business in case of interruption.
THEFT
Specified insurance against loss of valubles in case of theft. Covers stolen items and items damaged or broken due to the theft.
GOODS IN TRANSIT
Specificaly for goods and products on the move, making them vulnerable to damage, theft or fire.
BUSINESS ALL RISK
Items of value, that are portable. For example: cell phones, laptops, cameras, tools, equipment, etc. These items must be specified to be covered. Terms and conditions of each policy apply.
ACCIDENTAL DAMAGE
Specifically for items or valuables damaged or broken accidentally.
LIABILITY
Public and Employers liability cover.
VEHICLES
Vehicles used to transport goods, provide services or meet clients. They can be insured in the following ways: Comprehensive, Third Party Fire and Theft, Third Party only.
MACHINERY BREAKDOWN
Specifically for Items used in production and packaging of goods, etc.
ELECTRONIC EQUIPMENT
Specifically for electronic equipment used in the business, ie laptops, computers, cameras and camera equipment, etc.
DETERIORATION OF STOCK
Specifically for Loss of income or business due to deterioration of stock, ie vegetables, meat, etc.
OTHER BENEFITS ALSO INSURABLE
Greens and irrigation systems.
Stated benefits
Money
Glass
Fidelity
Accounts receivable
Roadside assistance and Car hire may be added as additional benefits. And many more items, depending on insurable interest and use of these items, we will be able to insure your precious possessions.