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ZEN256643

POLICY INFORMATION
Product: OHSA liability insurance

PREMIUM PAYMENT AND OBLIGATIONS
• Your premium obligation is reflected in the current schedule to your policy.
• If the “Payment Term” is stated as “Annual”, then this policy is a calendar year policy and premium is due on the “Inception
Date” stated on the schedule. If you elected to have this premium collected by debit order, the underwriting manager will
deduct the premium from the bank account shown in the schedule. In the absence of a debit order arrangement, you must
pay the premium into the bank account of the underwriting manager.
• If the “Payment Term” is stated as “Monthly”, then this policy is a calendar month policy and premium is due on the first day
of each month notwithstanding the agreed debit order date.
• If the monthly debit order is not met due to any reason other than cancellation of it by you, the Underwriting Manager will
collect arrear premium as follows:
o You could make payment into the bank account of the underwriting manager following prior arrangement;
o If the underwriting manager has not received written confirmation of such a payment, they will deduct from the bank
account shown in the schedule any premium in arrears together with the premium for the next period of insurance on the
next debit order date.
o Should this debit order not be met, cover in terms of this policy will be considered to have terminated on the last day of
the last period of insurance for which all premium had been paid and received by the underwriting manager.
• Any amount of premium received by the underwriting manager will first be applied towards the longest outstanding premium.
• If the first premium of a new policy is not met for whatsoever reason, the policy is regarded as not taken up and no cover is
provided.
• The Policyholder Protection Rules provides you with a period of 15 days' grace in terms of Section 7.5 thereof.
Notwithstanding the above, the underwriting manager may reject any claim for loss, damage or liability incurred before payment
and receipt of all premium in arrears, unless you made such payment before the expiration of the prescribed statutory/regulatory
period of grace, being 15 days calculated from the date upon which such premium became due.
CLAIMS NOTIFICATION PROCEDURE
Should you have a claim against your policy, you must do the following:
• Notify the underwriting manager in writing of the claim within 30 days from the event that lead to the claim. Please note
that late notification could result in the rejection of a claim.)
• Claim forms are available from the underwriting manager on www.zenithinsure.co.za. Complete the claim form
applicable to the type of claim you have and return it to the underwriting manager.
• Should you have any difficulty, kindly contact the claims department of the underwriting manager.
• Claims are usually instituted with the assistance of the intermediary. Notify your brokers’ claims department and follow
their claims procedure.
• Please consult your policy wording for further details on the claims procedure.

COMPLAINTS PROCEDURE
If you have a complaint about the handling of an insurance matter by the Underwriting Manager, you should:
• Escalate your complaint to management at the underwriting manager. The client is entitled to request a full complaints
procedure from the Underwriting Manager alternatively it is available at www.zenithinsure.co.za
• If your complaint is not resolved to your satisfaction, you must write a letter of complaint in which you set out the facts as
clearly as possible and submit it per fax or e-mail to the underwriting manager at complaints@zenithinsure.co.za
• If your complaint is not resolved to your satisfaction, you can escalate the matter to the relevant Ombudsman or the Registrar
(see contact details below).
• Furthermore, the underwriting manager has a conflict of interest policy in place which is also available at www.zenithinsure.co.za

FAIS OMBUDSMAN REGISTRAR OF SHORT TERM SHORT TERM INSURANCE OMBUDSMAN
PO Box 74571, Lynwood Ridge, 0040 INSURANCE PO Box 32334, Braamfontein, 2017
Tel number: 012 470 9080 or 0860 324 766 PO Box 35655, Menlo Park, 0102 Telephone number: 011 726 8900 or 0860726890
Fax number: 012 348 3447 or 012 470 9097 Telephone number: 012 428 8000 Fax number: 011 726 5501
info@faisombud.co.za Fax number: 012 347 0221 info@osti.co.za
www.faisombud.co.za www.osti.co.za

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