Page 3 - Hollard Business Branch Policy Wording

Insurance Code of Conduct
INSURANCE CODE OF CONDUCT
Hollard proudly supports the South African Insurance Associa on (SAIA) Code of Conduct.
The purpose of the Code is to raise standards of prac ce and service in the general insurance industry. The objec ves of the Code are:
1. to promote be er, more informed rela ons between insurers and their customers;
2. to improve consumer con dence in the general insurance industry;
3. to provide be er mechanisms for the resolu on of complaints and disputes between insurers and their customers; and
4. to commit insurers and the professionals they rely upon to higher standards of customer service. Informa on on the Code is available from the nearest Hollard o ce or from SAIA.
Hollard's commitment service
Hollard has adopted and supports the Code and is commi ed to complying with it. Contact Hollard for more informa on about the Code.
How to resolve a complaint or dispute Talk to Hollard rst
If the Insured has a complaint, the rst thing the Insured or his/her insurance broker should do is speak to Hollard.
If the complaint is related speci cally to a claim, speak with the insurance intermediary or insurance broker to discuss the claim with the claims o cer managing the claim.
If the sta member or claims o cer is unable to resolve the ma er, the Insured’s insurance intermediary or insurance broker may speak to a manager at Hollard. The manager will usually provide the Insured with a response to the complaint within a reasonable period of me. If the meframe is imprac cal for any reason, such as the need for more informa on or further inves ga on, Hollard will discuss alterna ve meframes with the Insured. If the Insured is not sa s ed with Hollard’s response or Hollard cannot agree with the Insured on alterna ve meframes, the Insured then moves on to step 2.
Seek a review
If the ma er is s ll not resolved Hollard will refer the Insured to the insurance intermediary or insurance broker to the relevant dispute handling department or area who will conduct a review of the dispute and will usually provide the Insured with a response to the dispute within a reasonable period of me. If the meframe is imprac cal, Hollard will discuss alterna ve meframes with the Insured.
If the Insured is s ll not sa s ed with Hollard’s response to the dispute or Hollard cannot agree on alterna ve meframes, the Insured then moves on to step 3.
Seek an independent review
The Insured is en tled to seek an external review of Hollard’s decision. Hollard will provide the Insured with informa on about op ons available, including, if appropriate, referring the Insured to the external dispute resolu on scheme administered by the Ombudsman for Short-term Insurance (OSTI).
The OSTI is an independent external dispute resolu on o ce and its service is free to Hollard customers. The OSTI will advise the Insured if they can assist.
Page | 2 Hollard Business Policy – Branch – Version 1 2018