Avbob Funeral Cover

Avbob funeral cover policies and burial society (Mutual Assurance Society) have been tried and tested for more than 90 years in South Africa. They are one of the longest funeral insurance companies that have provided great services to South Africans over the years. They evolved with the times, giving us more products and better services. A company like this would not be able to survive so long if the majority of South Africans we’re displeased with their services.

Avbob reported that it has over 3,8 million people who are on their funeral insurance policy. They have paid billions of Rand in special bonuses over the years, and have included free funeral and burial benefits to their members. They have also ventured into other life insurance such as life cover and dread disease cover.

So what do they offer? Avbob offers funeral insurance, funeral service, tombstones, caskets and coffins, and burial cover.

Avbob Free Basic Funeral benefits

  • A free coffin from a select range
  • Help with the placement of the funeral notice in the local newspaper
  • Arrangement and carrying out of the actual funeral
  • Transport for family members and berieved
  • Use of AVBOB’s mortuary
  • After funeral catering
  • Tent and chairs at the graveside
  • Preparation of the deceased and coffin

Avbob Funeral Insurance products include:

  • Cashback Funeral policy. This acts as a cash back bonus, where after a certain period of not claiming, you receive a cash bonus
  • Family Funeral Insurance. You can cover the cost of burying a loved one for your immediate family
  • AVBOB Extended Family Insurance. Your extended family can now benefit from your choice of Avbob as your burial insurance company of choice

Avbob Cashback Funeral Policy Premium

Here’s an example from AVBOB on what their premiums look like:

  • For a 21-year-old
  • Avbob Cashback Funeral Premium
    Avbob Cashback Funeral Premium
  • For a 35-year-old
  • Avbob Cashback Funeral Premium
    Avbob Cashback Funeral Premium

If you would like to make an Avbob funeral claim, they can be contacted at:

AVBOB Building, 368 Madiba Street, Pretoria, 0002

PO BOX 1661, Pretoria, 0001

+27 12 303 1000/08611 AVBOB (0861 128262)/086 1 FUNERAL(0861 3863725)

Funeral cover terms and conditions

funeral policy terms and conditions

Funeral cover policies in South Africa mostly have similar terms and conditions. This is because the funeral policies are quite similar in how a person’s funeral may be insured. With this, you will be able to have a look at the most basic terms and conditions and make a decision on which funeral policy to get. Also remember that the biggest difference with funeral policies is how much you will pay, or your premiums, for your funeral cover.

  • A waiting period of six months for the insured person. This applies to death by natural causes
  • Immediate cover for accidental death. Other benefits may include a double payout if it occurs to the main member
  • No medical checks. Most, if not all, funeral policy companies and funeral insurance providers won’t ask you to take a medical examination
  • Family members may be covered for extra premiums. Family members may be covered with the main member’s funeral cover, and extra premiums are levied against the main member
  • Funeral policies may be cancelled within 30 days. This applies to most funeral insurance companies who are trusted providers. Others that you may not cancel within 30 days are mostly unscrupulous. Some charges may apply
  • Documents to fill provide when making a claim:
    • Insured person’s death certificate
    • A certified copy of the insured person’s ID/birth certificate
    • A certified copy of the claimant’s identity document
    • claim form
    • proof of banking details
  • Only a natural person may be paid out for a funeral cover claim. So, a payout may not be towards a company

” height=”1″ />

Worthwhile Funeral Policies to consider in South Africa

Are you considering a funeral policy? Not sure which to take? Too many options to choose from? The one thing you could do is to go with your most current financial services provider and whatever it is that they offer you. But the smartest thing would be to shop around and see what the best financial services providers in South Africa have to offer.

Some of the biggest providers of funeral covers include Sanlam, FNB, Avbob, Momentum and Old Mutual.

You will also come across smaller players in this funeral insurance sector, as it is quite competitive. The medium-sized players include Doves, Lion of Africa and Rentmeester.

You may also be involved in burial societies, which basically cover smaller amounts from the minimal payments you make.

What is a funeral policy? These are funeral plans which cover you same as an insurance, where upon the untimely death of the insured, a cash payment will be made towards the selected beneficiary, usually within 48 hours. Payout also has to be done quickly as it covers the most necessary costs incurred in arranging a dignified funeral.

Can you have more than one funeral insurance plan? Yes, but look out that you’re not over insured. Depending on your policy wording, be sure that you don’t over insure, and that you stick to the specific requirements of your funeral insurance company on how many, or how much, your funeral cover may be worth.

Funeral cover policies and plans

funeral cover policies and plans

South Africans purchase funeral covers because in a time of need as when a loved one passes away, the last thing they want to worry about is how they will finance a dignified and memorable send off. Purchasing a funeral plan to bury your family members, or for yourself is much simpler these days as you can get funeral plan quotes online, and then agree to a funeral policy over the phone, and then purchase it, all without leaving the comfort of your office chair.

Often, though, South Africans struggle to find funeral cover benefits they want and match it with a funeral plan that they can afford!

compare funeral cover

A good funeral cover will take away most of a family’s worry by paying out within 48 hours of a valid claim, while most will pay out even on the day of your claim, as long as all documents are in order. Most funeral policies payout cash that can be used for paying for the burial, the catering, the casket and the tent. The beneficiary will then plan and run the funeral service. Some funeral policies include services such as caskets and tombstones, reducing time in looking for these services even if you have the cash to pay for it. This will allow for preparations to start as soon as possible.

There are other funeral schemes which take into account that you might want to have goods paid for instead of a lump sum payment. These are usually held with funeral parlors, such as Doves, Avbob Funeral Cover and others. The funeral parlor would then make burial arrangements, pay for the food, tents, and all other related costs such as transport.

A funeral plan is most useful as a means to finance a funeral for a number of family members, through paying of monthly premiums.

Funeral cover quotes are a dime a dozen these days, so understanding which benefits matter to you most is where someone who wants to get most out of their plan would start. Shopping online for a funeral plan is very convenient as you can compare funeral covers and get quotes without having to be put on hold by a call center agent.

Funeral cover pay out can range from R5 000 to R100 000. Premiums depend on the age of the insured person. The older you are, the more you will most likely pay. But premiums may start from as little as R25 per month. These should be low enough for you not to skip your monthly premiums. Skipping premiums can mean a lapse in your policy, and prompt payment of your premiums is of the utmost importance. Cheap premiums are a quite easy to find, but they have to be taken with a reliable and reputable insurer who has years of experience and a track record of paying timeously (in under 48 hours).

Funeral cover benefits types include:

  • cash pay out, where a lump sum is paid out to a beneficiary’s nominated bank account.
  • cash pay out and benefits, where benefits may include a cash back plan or tombstone
  • cash pay out and services. Services may include a funeral service and transportation or repatriation
funeral cover policies and plans
funeral cover policies and plans

SA Warranties – vehicle warranty

extended car warranty

SA Warranties is a provider of motor vehicle warranties in South Africa, often partnering up with popular manufacturers in South Africa to extend motor warranties for vehicles going out of warranty, and even providing warranties for new vehicles.

Underwritten by Regent, their mechanical warranty is a leader in South Africa. They offer mechanical breakdown insurance for used and new vehicles, including motorbikes, quads, boats, jet-skis, and caravans.

As with any warranty company worth their salt, they offer mechanical breakdown insurance on your vehicle’s major parts should they fail whilst it is still covered by them. They offer engine, gearbox and major electrical components. Make sure you understand which components exactly they will cover, how the cover works should you claim against your policy. You don’t want to be sold cover which will later not meet your needs. The cover will most likely depend on what your needs are and how much you’re able to afford.

SA Warranties products

SA Warranties offers products for:

  • Pre-owned
  • New vehicles
  • Motorcycles
  • Marine
  • Caravans

They are currently based in Edenvale, and can be contacted here:

Block D,
5 Boeing Road East,
Elma Park,
Edenvale,
1610,
Gauteng,
South Africa.

Telephone: 0860 WARRANTY (927726)
FAX: 0860 FAXSAW (329729)
Email: customercare@sawarranties.co.za

Write to them at:
Postal Address: Private Bag X5, Bruma, 2026,
Gauteng, South Africa

 

LiquidCapital extended warranty

extended car warranty

LiquidCapital extended warranty is offered by LiquidCapital, which is a company owned by Imperial. This means they’re a serious company, offering great service and great products.

They offer cover for, among other components: Air-conditioner, Braking system, Casings, Clutch, Cooling system, CV joints, gaskets, differentials, engine, fuel system, gearbox, prop shaft, steering system, suspensions, wheel bearings, turbos, over-fueling, and overheating. Whichever way you look at it, it’s quite a pleasing list of components to cover.

To make a claim against your policy: you have a maximum of 7 (seven) days to claim against a loss or damage. Their claims number is 0860 927 726.
Office hours are: Monday to Thursday: 07h30 to 17h00, and Friday: 07h30 to 16h30. They’re closed on weekends and public holidays.

Make sure you have the following when making a claim:
Your policy number.
Your name and contact details.
Name and address of repairer.
The current kilometres.
The type of problem you’re experiencing

extended motor warranty

extended car warranty

Extending the warranty of your vehicle will save you money in the long run. As soon as your vehicle gets out of its motor plan, it’s best that it’s covered by a motor warranty cover plan. It’s also more prudent to get a plan before the original warranty lapses, making it a whole lot cheaper. An extended motor warranty is an extension of your current vehicle’s warranty and covers mostly: some electrical components, engines, and gearbox. These are often the most to repair.

Vehicle warranty is essentially an insurance cover, which you can claim against for your vehicle’s mechanical failure. This would include your gearbox and engine among other parts.

There are a few leaders in who provide extended motor warranty in South Africa, SA Warranties, Hollard, Motorite, LiquidCapital, and others. With most, you can purchase your car warranty by contacting them using online forms, or calling them directly. Vehicle manufacturers also offer extended warranties, but will mostly stop shorter than independent insurers.

Today’s vehicles, whether bought as a used vehicle, can be reached kilometers over 200,000 and still be a great drive. Some warranty insurance companies will ensure your mechanical parts up to 300,000 kilometers, extending your vehicles usage and reducing your risk should some of those parts fail. You might feel that it’s unnecessary, but exposing yourself to the risk involved in buying a car which may also break here and there, without being a total wreck, is larger than the minimum payments which you can make.

What you will have to take note of though is that the coverage will have exclusions in their terms and conditions. This will mostly include wear and tear components, lubricants and the like. The premiums you will pay also depend on the car, usage type or manufacturer, just like a normal car insurance will take into consideration.

extended motor warranty
extended car warranty

Compare Competitive Insurance Quotes from South Africa

compare insurance and save

Insurance quotes are a dime a dozen in South Africa, with so many insurance companies offering home insurance, car insurance, home contents insurance, life insurance, funeral cover, scratch and dent cover, and even medical cover, you’re bound to have more time than enough to compare.

With Whichinsurance.co.za, you’re able to get competitive insurance quotes from one provider and compare insurance with your current, or prospective insurance provider.

Save on your insurance, from a provider who can save you up to 29% on your vehicle insurance, more than 20 business insurance providers, easy online application for life insurance, quick paying funeral cover, lump sum payment of your hospital stay with hospital plans, and great choices for your vehicle warranty.

You never have to be frustrated by over-inflated insurance premiums when you can compare insurance quotes from long-standing insurers.

So, choose your type of insurance, capture your details once, sit back choose from the car warranty quotes which come your way.

compare insurance and save
compare insurance and save

Diabetes Life Cover

Diabetes Life Cover can be troublesome to find in South Africa. Diabetes Life Insurance is risky for insurance companies as the person who’s covered is at the risk of major organ failures.

Diabetes apparently affects about 3,5 million South Africans and many more may remain undiagnosed. It’s also estimated that another 5 million South Africans have pre-diabetes – a condition where insulin resistance impacts blood glucose levels to a point where they are high, but not high enough to be classified as Type 2 Diabetes. With these stats, and if you have diabetes you may be a little apprehensive about a cover, expecting it to be too expensive for your pocket, but also feel the need to take care of your loved ones should you pass away, or fall seriously ill from the risks that come with Diabetes.

Diabetes Life Cover gets expensive because of how complicated it can get, with risks of developing diseases or organ failure. Even with this, there are smart life insurance companies in South Africa which understand this, and have put together partial and even full cover!

I’m certain you’re wondering, but what how exactly can I get full life insurance cover even if I have diabetes?

The main thing that companies want to find is that you’re able to control your diabetes. They will have you take blood tests to determine your cholesterol and hemoglobin levels. Your BMI may also be determined. This is long-term, where the company may take periodic tests to determine how you’re controlling your diabetes. The management of your levels may be linked to your premiums as well.

There are other factors which may make you a high risk, and these include:

  • Your age. If you’re a younger person with diabetes, you are a higher risk
  • How long you’ve had diabetes
  • Lifestyle choices, such as smoking

Other life insurance companies are able to offer you help through medication, or if you fall seriously ill, a payout.

Bidvest Insurance car warranties and maintenance plans

Bidvest Financial Services (Bidvest FS) provides more than just car insurance in South Africa, they also extend their services to offer car warranty services as well. As a fully fledged financial services company, they also include the most basic cover warranty and maintenance plan product, which is Mechanical Breakdown. They also include Tyreguard, Bodyguard + Interior guard and Shortfall.

The Bidvest car warranty includes a Mechanical Breakdown policy, which can cover your car while it’s still under its original warranty or out of warranty, or maintenance plan has lapsed. As always, it’s cheaper when you purchase extended warranty and maintenance plans whilst the car is still under the original warranty. This is some sort of assurance to the insurer that the car they’re insuring isn’t coming with tons of issues from it not having any warranty or maintenance plan.

Cover for used and old cars

South Africans are able to cover a new, used, or an old car with high with high mileage. Bidvest FS is also able to cover vehicles used as taxis.

Bidvest car warranty and maintenance plans

EXTENDED WARRANT for new or used vehicles, still covered by the manufacturer warranty and extends it by an additional 2 years.
PLAN PLUS maintenance plan for new or used vehicles, still covered by the manufacturer maintenance plan and extends it with an additional 2 years cover with unlimited kilometres
MAXI PLUS is for vehicles not supported by a McCarthy Franchise and are still under the manufacturer warranty. This also adds a 2 year cover with unlimited kilometres
MAXI is for vehicles less than 5 years old, under 120,000 kilometres, have a full service history. Expect an additional 2 year cover with unlimited kilometres.
LUXI. For vehicle’s under 8 years and 160,000 kilometres. You can get 2 years or an additional 60,000 kilometres.
ECONO is for vehicles over 8 years, or have a mileage between 160,000 and 250,000 kilometres. You get a 2 year or additional 50,000 kilometres cover.
TAXI WARRANTY. Covers new or used vehicles, still under manufacturer’s warranty. The vehicle should function as a taxi. Expect a 2 year or 80,000 kilometres cover.

Bidvest’s Benefits

Each cover also offers the following email, roadside and medical emergency assistance:

24 Hour Emergency Roadside Assistance
Run out of Fuel
Vehicle Recovery (Breakdowns)
Vehicle Storage (Breakdowns)
Tow In
Courtesy Transport
Overnight Accommodation
Car Rental
Flat Tyre Assistance
Flat Battery Assistance
Keys Locked in Vehicle
Transmission of Urgent Messages
Medical Advice and Information Hotline
Emergency Medical Advice and Assistance Hotline
Medical Transportation
Inter-Hospital Transfer
Medical Repatriation
Escorted Return of Minors
In-Hospital Medical Monitoring
Compassionate Visits
Repatriation of Mortal Remains