By: Greta Goosen, MiWay Head of Client Services 

As 2020 has taught us all too well, life is full of unexpected twists and turns. While we cannot control the crisis currently sweeping the globe, there are easier ways to manage our day-to-day disasters. After all, even during lockdown, geysers break, pipes clog and cars break down. These unforeseen events are par for the course, however, many of us are not adequately prepared to deal with the consequences, or aware of the ease with which these types of situations can be resolved. 

While inconveniences like burst pipes and flat tyres are undoubtedly unwelcome, the truth is that they need not be costly or difficult to fix. In fact, unbeknownst to many South Africans, your insurance could actually offer a variety of value-added services which form part of your existing cover. 

While you might believe your household contents, building or vehicle insurance policies cover you only in cases of theft or damage, you would be well advised to check your insurance policy to better understand the benefits of your cover.

From roadside assistance to plumbers, electricians and locksmiths, there are a wealth of benefits included in many insurance policies that could save you time, hassle and money in the long run. Here are just a few of the perks your policy could include:

Roadside Assistance and more

Many South Africans are well aware that roadside assistance forms part and parcel of their car insurance. However, what many do not know is that this extends, in some cases, to having petrol delivered and to locksmith assistance in the event of keys being locked inside a vehicle. Not only that, but some insurers also offer a complimentary take-me-home service, providing a few free rides that you are able to claim over a defined period. 

‘Free’ household services

Household contents and building insurance policyholders also typically have access to a range of useful value-added services, including plumbers, electricians, tree fellers and more. Not only are these services offered free of charge as a part of your cover in many instances, but they are generally undertaken by reputable providers, who have already been vetted by the insurer. As such, there is no longer any need to head to Google and hope for the best – all the work has already been done for you.

Unexpected bonuses

Over and above the countless functional benefits included in insurance policies, some insurers offer additional unexpected benefits within their cover terms. For instance, you might find yourself entitled to a free round of golf or bowls, once lockdown has lifted, or find that you are able to claim for food that has deteriorated as a result of an unscheduled power failure or breakdown in the event of a valid claim. You could also receive alternative accommodation in the event that a property cannot be lived in – or cover in the event of your laundry being stolen from the washing line.

Your house is not just your home – it is your place of safety, the holder of your memories; and your car is not just another mobile way to get around, it’s your mode of transport through life’s daily adventures. Given the potential time and cost savings you might be able to enjoy, it is well worth speaking to your insurer or checking your policy schedule to find out what other services can you make use of under the terms of your policy.

MiWay is a licensed insurer & FSP 33970. Ts & Cs apply.

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