Santam Se perSoonlike poliS WerkSopDraG

Santam Se
perSoonlike poliS
WerkSopDraG
FORMATIEWE EVALUERING
Ja. Dit ís ’n sambreel.
En hierdie is jou persoonlike versekeringspolis.
Eenvoudige, verstaanbare, duidelike versekering.

DEURSIGTIGHEID,
EERLIKHEID EN
EENVOUD.
Dít is die grondslag van
ons polis. Versekering gaan
nie oor die ontsyfering van
tegniese gebrabbel of die
ontknoping van ’n warboel
burokratiese hindernisse nie.
Versekering is eenvoudig. As
jy dit nie glo nie, lees gerus
verder.

INHOUD
moDUle 1: alGemeen en HUiSinHoUD 66
moDUle 2: alle riSiko’S 92
moDUle 3: GeboUe 104
moDUle 4: voertUie 118
moDUle 5: WatervaartUie 142
moDUle 6: vakanSieHUiS 156
moDUle 7: aanSpreeklikHeiD 164
moDUle 8: mUlti-riSiko’S 172
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
3

4
GENERIESE INLIGTING
Almal wat nie die Wet op Finansiële Advies en Tussengangersdienste (Wet nommer 37 van 2002) voldoen nie en wat
wil kwalifiseer deur voorafgaande kennis wat erken word (Recognised Prior Learning - RPL) sal teen spesifieke uitkomste
geëvalueer moet word. Hierdie evaluasie kan deur verskeie diensverskaffers gedoen word (bv. Santam).
Wanneer jy opleiding ontvang en geëvalueer word deur Santam, sal al die beoordelings en moderasies deur die
beoordelingsagentskap, The Institute of Performance Technology, behartig word.
Alle beoordelings deur Santam/The Institute of Performance Technology sal deur INSETA (Owerheid vir Opvoeding en
Opleiding in die Versekeringsektor) geverifieer word.
INSETA moet weer die wetgewing nakom, soos neergelê deur SAQA (Die Wet op Suid-Afrikaanse Kwalifikasie-
owerhede). INSETA is gestig met ’n mandaat om die ontwikkeling en implementering van ’n geïntegreerde nasionale
raamwerk te oorsien waarin die gehalte van leersuksesse verseker word.
•
•
•
•
Om toegang, mobiliteit en progressie binne opvoeding, opleiding en indiensneming te fasiliteer,
Om die gehalte van opvoeding en opleiding te verbeter,
Om die herstel van onreg wat betref opvoedkundige en werkgeleenthede te versnel, en
Om persoonlike, maatskaplike en ekonomiese ontwikkeling te bevorder.
NKR (Die Nasionale Kwalifikasie Raamwerk)
Die doel van die NKR is om ’n geïntegreerde nasionale raamwerk vir leersuksesse te skep. Die raamwerk bestaan
uit verskillende vlakke. Om die wetgewing vir die korttermynversekeringsbedryf na te kom, benodig jy ’n NKR vlak
4-kwalifikasie wat uit 120+ krediete bestaan. (Huidiglik slegs 60 krediete vir kommersiële versekering en 30 krediete vir
persoonlike versekering).
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

ILLUSTRASIE
NQK – VLAK
10
9
8
7
6
5
4
Korttermyn-
versekering
3
2
1
SAQA
INSETA/VERIFIERING
BEOORDELING & MAGTIGING
The institue of PerformanceTechnology
NQF vlak 4
Kwalifikasie
FAIS - bevoeg
LEERDERS
Toegepaste bevoegdheid soos bepaal deur SAQA
VERSKAFFER VAN OPLEIDING
Santam Bpk.
PROGRAMME
SPP2 – Santam se persoonlike polis
Die volgende bevoegdhede is geïntegreer met die gevallestudies en werkopdragte:
Grondliggend - Kop (CCFO’s en vasgelegde kennis)
Prakties - Hande (wat die leerder kan doen – gedemonstreer deur die spesifieke uitkomste van die
eenheidstandaarde)
Refleksief - Hart (houding - werksopdrag)
GRONDLIGGEND
Kop (Kennis)
Geïntegreer met
CCFO’s
en vasgelegde kennis
BEVOEGDHEID
PRAKTIES
Hand (Aksie)
Geïntegreer met
Spesifieke uitkomste
REFLEKSIEF
Hart (Gevoel)
Geïntegreer met
Werksopdrag
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
5

6
QUALIFICATIONS STRUCTURE
SU = Spesifieke uitkoms
EK = Evalueringskriteria
Die Eenheidstandaard vir SPP2 is geneem van die FETC korttermynversekering.
Eenheidstandaarde word in drie afdelings geklassifiseer, naamlik:
•
•
•
Fundamenteel
Kern
Eenheidstandaard
Verkiesend
Die volgende voorbeeld sal die kombinasie duidelik aandui:
FUNDAMENTEEL KERN VERKIESEND
kommunikasie: primêre taal of taal van
jou besigheid
nkr vlak 4
(20 krediete)
bykomende Suid-afrikaanse taal
nkr vlak 3 (20 krediete)
Wiskundige geletterdheid
nkr vlak 4
(16 krediete)
Finansiële geletterdheid nkr vlak 4
(12 krediete)
Eenheidstandaard
Kwalifikasie (120 krediete +)
Vaardigheidsprogram (SPP2)
Eenheidstandaard
41 vlak 4-krediete verwant aan
korttermynversekering
10 vlak 3-krediete verwant aan
korttermynversekering
Eenheidstandaard
Eenheidstandaard
Totaal 68 Totaal 51 Totaal 31
totale krediete benodig vir die kwalifikasie 150
Eenheidstandaard
SU SU SU SU SU SU SU SU SU SU SU
EK EK EK EK EK EK EK EK EK EK EK EK EK EK EK EK EK
’n minimum van 31 krediete op vlak 3 of 4
(Smk 1, 2, 3 & Spp2)
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

All qualifications and unit standards registered on the National Qualifications Framework are public property. Thus the
only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the
material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the
source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY
REGISTERED QUALIFICATION:
Further Education and Training Certificate: Short Term Insurance
SAQA QUAL ID QUALIFICATION TITLE
66610 Further education and training Certificate: Short term insurance
ORIGINATOR REGISTERING/RECORDING PROVIDER
SGb insurance and investment
QUALITY ASSURING BODY
the individual Quality assuring body for each learning programme recorded against this qualification is shown in the table at the end of
this report.
QUALIFICATION TYPE FIELD SUBFIELD
Further ed and training Cert
Field 03 - business,
Commerce and
management Studies
Finance, economics and accounting
ABET BAND MINIMUM CREDITS OLD NQF LEVEL NEW NQF LEVEL QUAL CLASS
Undefined 150 level 4 nQF level 04 regular-Unit Stds based
REGISTRATION STATUS
SAQA DECISION
NUMBER
REGISTRATION
START DATE
REGISTRATION END
DATE
reregistered SaQa 0160/05 2009-01-27 2012-01-27
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2013-01-27 2016-01-27
In all of the tables in this document, both the old and the new NQF Levels are shown. In the text (purpose statements,
qualification rules, etc), any reference to NQF Levels are to the old levels unless specifically stated otherwise.
This qualification does not replace any other qualification and is not replaced by any other qualification.
PURPOSE AND RATIONALE OF THE QUALIFICATION
Purpose
The purpose of the Qualification is to build knowledge and skill required by employees in Short Term Insurance who
have had schooling at or below NQF level 4. It is an entry Qualification into Short Term Insurance as learners will not
have acquired the necessary knowledge and skills as part of the school curriculum. It is intended to empower learners to
acquire knowledge, skills, attitudes and values required to operate confidently as individuals in the South African community
and to respond to the challenges of the economic environment and changing world of work in the financial services
industry. It should add value to the qualifying learner in terms of enrichment of the person, status and recognition.
As a Qualification that covers Short Term Insurance related learning, it provides a framework for learners to develop
competencies that will give them insight into the Short Term Insurance sub-sector. It introduces a basic understanding of
the key terms, rules, concepts and principles of the field that will enable learners to be informed workers in the industry. It
provides a balanced learning experience that allows flexible access to life-long learning, higher education and to productive
employment in Short Term Insurance. It provides an opportunity for learners to learn and apply academic skills in relation
to the workplace and will allow for multi-skilling.
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7

8
The FETC: Short Term Insurance allows the individual to work towards a nationally recognised Qualification. It is flexible
enough to accommodate both learners in formal education and learners already employed in the Short Term Insurance
sector. The focus is on basic information gathering, analysis, presentation and the ability to apply knowledge of the field to
solve routine problems within given frameworks.
Qualifying learners should be knowledgeable about and competent in:
•
•
•
•
•
•
•
•
•
•
Carrying out basic research, information gathering and analysis.
Interpreting current affairs and their influence on Short Term Insurance.
Communication and Mathematical Literacy at a level that allows them to operate effectively in the financial services
industry.
Behaviour and ethics in a work environment and the implications, consequences and liability arising out of noncompliance
with relevant legislation.
Managing aspects of personal finances.
Knowledge of Short Term personal and/or commercial lines products.
Customer care including internal and external customers.
Understanding the key terms, rules, concepts and principles of the Short Term sub-sector, in general and their
chosen career path, in particular.
Knowledge of insurable risk and application of the law of contract in Short Term Insurance.
Managing an information system used in Short Term Insurance.
Rationale for the qualification
The National Certificate in Short Term Insurance: NQF Level 4 was registered in June 2002 to meet the needs of learners
in a variety of positions in the Short Term Insurance sub-sector which includes personal and commercial lines. It is a
generic Qualification with specialisation in a selected career path in the Short Term Insurance industry. The Qualification
has been reviewed and The FETC: Short Term Insurance replaces the National Certificate in Short Term Insurance: NQF
Level 4.
The original Qualification has been expanded and the FETC: Short Term Insurance is a more holistic Qualification than the
registered National Certificate in Short Term Insurance: NQF Level 4. It is a first step for learners who:
•
•
•
•
•
Have attained the National Certificate in Financial Services: Level 3 and wish to continue on a path of life-long
learning specialising in Short Term Insurance.
Have worked in the Short Term Insurance sub-sector for many years, but have no formal Qualifications in their area
of specialisation.
Are in a learnership agreement in the Short Term Insurance sub-sector.
Have recently taken up a position in Short Term Insurance.
Require a Qualification for licensing purposes in order to advise clients on Short Term Insurance policies.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Learners employed in Short Term Insurance at this level may be Short Term Insurance Intermediaries who advise on
Short Term Insurance products, Internal Broker Consultants, Call Centre Operators, Personal Accident Administrators,
Personal lines Administrators, Commercial Lines Administrators, Claims, Negotiators, Technicians or Assessors, Client
Service Providers, Service Agents, Underwriting Agents, Product Developers, Motor Assessors, Assessors, Reinsurers,
Underwriters, Personal Assistants, Secretaries, Service Centre Staff, IT Systems Designers and Analysts in Short Term
organisations or learners who work in Marketing Departments of Short Term Insurers.
They do work that requires an understanding of the Short Term sub-sector within the context of the Financial Services
Industry and some specialisation in their selected career path. The work roles are in personal, commercial/business lines
and specialised areas of business such as aviation, transportation (marine) and agricultural Insurance. The Qualification is
intended for learners in personal lines and business/commercial lines Insurance who advise on selected Insurance products.
It specifically excludes giving advice on the management of risk in commercial/business lines.
Note that:
•
•
Learners who work in the retail industry and sell Insurance as part of their work but are not in a career path in the
Insurance industry should do the FETC: Retail Insurance.
Learners whose work focus is mainly on the management of risk and who give advice on commercial lines or
business Insurance as a means of managing risk should do the National Certificate in Risk Management: Level 4.
LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR
LEARNING
•
It is assumed that learners are competent in Communication and Mathematical Literacy at NQF Level 3.
Recognition of prior learning
•
•
•
•
•
The FETC: Short Term Insurance allows open access. Provision has been made for prior learning to be recognised
if a learner is able to demonstrate competence in the knowledge, skills, values and attitudes implicit in this
Qualification. Application for Recognition of Prior Learning (RPL) should be made to a relevant accredited ETQA.
Credit towards a Unit Standard is subject to quality assurance by a relevant accredited ETQA and is conducted by a
workplace assessor.
This Qualification can be obtained in part or in whole through Recognition of Prior Learning.
RPL will be done using a range of assessment tools and techniques that have been jointly decided upon by the learner
and the assessor.
The same principles that apply to assessment of the Qualification and its associated Unit Standards apply to RPL.
Access to the qualification
•
There is open access to this Qualification bearing in mind the Learning Assumed to be in Place, detailed above.
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9

10
RECOGNISE PREVIOUS LEARNING?
QUALIFICATION RULES
The Qualification consists of a Fundamental, a Core and an Elective Component.
To be awarded the Qualification, learners are required to obtain a minimum of 150 credits as detailed below.
Fundamental Component
The Fundamental Component consists of Unit Standards in:
•
•
•
•
Mathematical Literacy at NQF Level 4 to the value of 16 credits.
Communication at NQF Level 4 in a First South African Language to the value of 20 credits.
Communication in a Second South African Language at NQF Level 3 to the value of 20 credits.
Financial Literacy at NQF Level 4 to the value of 12 credits.
It is compulsory therefore for learners to do Communication in two different South African languages, one at NQF Level 4
and the other at NQF Level 3.
For the purpose of this Qualification twelve credits are also required for Financial Literacy at NQF Level 4. Although
this is not a SAQA requirement, it is consistent with the philosophy that has been used in all Insurance and Investment
Qualifications, as the Financial Services industry believes that if learners are to function in a field that manages people’s
money, they should be able to manage their own finances.
All Unit Standards in the Fundamental Component are compulsory.
Core Component:
The Core Component consists of Unit Standards to the value of 51 credits all of which are compulsory.
Elective Component
The Elective Component consists of Unit Standards to the value of 352 credits . Learners are to choose Unit Standards to
the minimum of 31 credits.
There is a wide range of Unit Standards that may be selected as Electives in this qualification. This reflects the variety
and nature of the work role in Short Term Insurance, provides for maximum flexibility and allows learners to achieve
a qualification that is relevant to the work that they do and to their chosen career paths. It also enables Short Term
intermediaries in personal and commercial lines to meet the requirements of the Financial Services Board (FSB) for
licensing.
Electives selected may relate directly to the learner’s work role in an organisation or may be life or management skills to
enhance employability. The Elective Unit Standards have been grouped to facilitate selection. The grouping does not imply
that learners should select Electives from only one specific category.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Electives have been grouped under the headings
•
•
•
•
•
•
•
•
•
•
•
General Short Term
Short Term Risk (underwriting and claims)
General industry
Sales and client care
Personal Lines
Management
Motor Assessors
Personal Development
Legislation
Computer Literacy
Commercial Lines (including engineering agriculture, marine and aviation and other specialised fields)
Unit Standards for Trustees of Retirement Funds and Medical Schemes, including fiduciary duties have been included as
learners could be elected to such positions and need to know what these positions entail. Trustee training has been
identified as a national necessity by the Department of Finance and the Financial Services Board.
The Insurance industry is highly regulated. It is therefore essential that all learners select the Unit Standards that deal with
the Legislation that is appropriate to their chosen career path or specialisation as Electives. Intermediaries and learners
who give financial advice, for example, should include the following Unit Standards as electives:
•
Apply the regulations for disclosure that are required as part of the financial sales process.
EXIT LEVEL OUTCOMES
The focus of the FETC: Short Term Insurance is on fundamental knowledge of Short Term Insurance and an ability to
apply appropriate processes and procedures to solve problems in a familiar context, to adjust applications when required
and to motivate the change. Learners are required to apply literacy and numeracy skills to different Short Term Insurance
contexts. They are expected to gather, analyse and evaluate information from a range of sources and to present and
communicate information reliably and accurately verbally and in writing.
Learners should have the capacity to take responsibility for their own learning within a supervised environment and should
be able to evaluate their own performance and address their shortcomings.
The Exit Level Outcomes and their Associated Assessment Criteria are the following, which means that the learner will be
capable of:
1.
2.
3.
4.
Carrying out basic research tasks and applying literacy and numeracy skills to analyse, interpret and evaluate
information from a range of sources related to Short Term Insurance or reInsurance.
Managing personal finances.
Apply knowledge of legislation, ethics, compliance and organisational protocols in the Short Term Insurance
environment.
Manage own work situation and interpersonal interactions.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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Exit Level Outcomes for the Critical Cross-Field Outcomes
The learner can demonstrate ability to:
•
•
•
•
•
•
•
Identify and solve problems in familiar Short Term Insurance contexts in which responses show that responsible
decisions have been made, adjust common solutions to meet changes in the problem and motivate the change within
own limit of authority.
Work effectively with others as a member of a team, group, organisation or community. As the qualification is
intended to be part of a learnership it is unlikely that the learner would work alone.
Organise and manage oneself and one’s activities responsibly and effectively in that it is expected that the learner
will be responsible for his/her own learning and for organising his/her own work allocated tasks responsibly in the
work environment. S/he is required to complete research assignments timeously and to apply knowledge of different
aspects of Short Term Insurance. S/he should be able to provide for his/her own financial security and manage his/
her own finances.
Collect, organise and critically evaluate information. These competencies are built into the assessment criteria in
many of the unit standards and the learner is required to do research projects and analyse information from the
media.
Communicate effectively using visual, mathematics and language skills in the modes of oral and/or written
presentations. These competencies are an integral part of all the Unit Standards and are built into the assessment
criteria.
Use science and technology effectively and critically showing responsibility towards the environment and the health
of others in that the Short Term Insurance environment is technology driven and very few activities take place
without the application of technology. The learner is also expected to access information from electronic media and
use a computerised data base.
Demonstrate an understanding of the world as a set of related systems by recognising that problem-solving contexts
do not exist in isolation in that references are made wherever applicable to the learner’s part in the big picture and
how his/her actions have implications up and down the line. The learner is expected to know and understand the
Insurance organisation as a system within the wider financial services context.
In addition this qualification contributes to the full personal development of each learner and the social and economic
development of the society at large, by making it the underlying intention of any programme of learning to make the
individual aware of the importance of:
•
•
Reflecting on and exploring a variety of strategies to learn more effectively in order to become an informed worker
in Short Term Insurance.
Being culturally sensitive across a range of social contexts in dealing with diverse people in the workplace including
internal and external customers.
Exit points for learners who do not complete a Qualification:
•
•
•
Learners will be credited with Unit Standards in which they have proved competence.
Learners who complete individual Unit Standards but do not complete this Qualification retain their credits.
However, should the substance of the Unit Standards change, the validity of the credit towards the Qualification may
be reviewed.
Learners who change their provider or learning site before completing the Qualification may transfer their credits to
the new learning site.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

•
An official, original NLRD record of learning is required as proof of learning before the learner is officially transferred
to the new learning site.
ASSOCIATED ASSESSMENT CRITERIA
1. Current events and developments that could impact on Short Term Insurance are analysed and discussed and a
personal point of view is offered in the discussion indicating ability to anticipate or predict future trends.
Knowledge learnt in various Unit Standards and current events as they occur are integrated with a developing
understanding of the Short Term environment in general and a selected career path in particular, so that knowledge
of the industry is applied in authentic situations.
Information is gathered, analysed, summarised, interpreted from a range of sources and presented reliably and
accurately. Positions taken are motivated and substantiated.
Different Short Term products, policy documents and schedules are analysed to determine cover. Important areas
of Short Term Insurance are explained with reference personal or commercial/business Insurance.
2. The basic principles and different forms of individual income tax are explained with reference to an individual’s
liability and duty to pay tax.
Basic financial statements are analysed and used to make a personal financial decision.
Knowledge of financial risk is applied and managed in own life.
3. Methods, procedures and techniques of Short Term Insurance are explained with reference to specific company
policy, and industry practices.
Information is gathered, analysed, evaluated, interpreted, recorded and presented and decisions are explained within
own authority limits or mandate and with due regard for compliance.
The concept of ethics is explained with reference to an organisations code of conduct and an individual’s personal
and property rights.
Knowledge of legislation is applied to Short Term Insurance.
Risks associated with non-compliance or non-activity that could result in liability are identified within the context of
Short Term Insurance.
Knowledge of personality styles and emotional intelligence are applied to customer service.
4. Own work meets generally accepted standards in terms of output and behaviour.
Interpersonal relationships contribute to sound team dynamics.
The learner is able to reflect on own practice with a view to improving work performance.
Integrated assessment
•
Assessment practices must be fair, transparent, valid and reliable and should ensure that no learner is disadvantaged.
Learners who wish to be assessed against the competencies in the Qualification and/or associated Unit Standards
should direct enquiries to the relevant ETQA.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
13

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•
•
•
•
•
•
•
•
The focus of assessment must be on the assessment of the learning outcomes rather than learning outputs. The
Specific Outcomes guide the learning and training process towards the outcomes on a continuous basis. The
purpose is to determine whether the outcomes have been attained. Situations should present a wide range
of options. Applications should require significant choices from a wide range of procedures and in a number of
contexts.
Learning, teaching and assessment are inextricably linked. Where appropriate, assessment of knowledge, skills,
attitudes and values indicated in the various Unit Standards should be integrated. Assessment in communication,
mathematical literacy and financial literacy should use authentic workplace contexts wherever practical.
Assessment has a formative monitoring function. Formative assessment should be used to assess gaps in the learners’
skill and knowledge and to indicate where there is a need for expanded opportunities. The goal is to promote
learning and to assess the efficacy of the teaching and learning process. Feedback from assessment informs teaching
and learning and allows for the critique of outcomes, methodology and materials. Formative assessment is diagnostic
and as such it should guide the learner and the trainer. It is continuous and is used to plan appropriate learning
experiences to meet the learner’s needs. It provides information about problems experienced at different stages in
the learning process. As it is criterion referenced, if the learner has met the assessment criteria, he/she has achieved
the outcomes.
Assessment should also have a summative component. Summative assessment may be used on completion of a Unit
Standard, but should not be the only form of assessment.
A variety of methods must be used in assessment and tools and activities must be appropriate to the context in
which the learner is working. Assessment should take place in an authentic context as far as is possible. Where it is
not possible to assess competence in the workplace, simulations, case studies and other similar techniques should be
used to provide a context appropriate to the assessment.
Integration implies that theoretical and practical components should, where possible, be assessed together.
Integrative techniques should be used to assess applied competence. Learners should berequired to demonstrate
that they can perform the outcomes with understanding and insight.
Assessment should ensure that all Specific Outcomes, embedded knowledge and Critical Cross-Field Outcomes are
evaluated. Assessment of the Critical Cross-Field Outcomes should be integrated with the assessment of the Specific
Outcomes. The Critical Cross-Field Outcomes are implicit in some Unit Standards and programmes should be
designed to extend and further reflect the integration.
Before The FETC: Short Term Insurance is awarded learners are required to demonstrate competence in the
required Unit Standards and complete a summative assessment based on the exit outcomes of the Qualification.
INTERNATIONAL COMPARABILITY
Traditionally, the training of employees in Short Term Insurance in South Africa was done in-house by the larger insurers,
the Insurance Institute of South Africa and other small private providers. The introduction of the Financial Advisors and
Intermediaries Act and the associated requirements for licensing have resulted in private providers in formal education
offering courses towards the National Certificate in Short Term Insurance: Level 4.
Sites researched/ organisations contacted:
UK
•
•
Qualification and Curriculum Authority (UK): The Qualification and Curriculum Authority (QCA) in the United
Kingdom is responsible for standards in education and training. Their site covers the schools curriculum,
accreditation and monitoring of qualifications in schools, colleges and work, as well as research and statistics. http://
www.qca.org.uk
Financial Services Skills Council - UK: The Financial Services Skills Council is licensed by the UK government to
work in partnership with employers to provide strategic and responsible leadership for training, education and
development for the financial services industry in the UK. http://www.fsnto.org.uk
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Australia
• Australian Qualifications Authority: http://www.aqf.edu.au
•
•
Africa
•
•
•
•
•
Other
The National Training Information Service (Australia): The Australian Government’s National Training Information
Service web site provides information on the qualifications, qualification structures and the Unit Standards registered
on the AQF.
http://www.ntis.gov.au
National Finance Industry Training Advisor: Through various searches and links, the SGB made contact with the
project team responsible for scoping and rewriting the Financial Services Training Package. A training package is
an integrated set of nationally endorsed competency standards, assessment guidelines and AQF qualifications for a
specific industry, industry sector or enterprise. http://www.nfitab.com.au
Botswana Training Authority (BOTA). BOTA has registered 164 Unit Standards for three sectors (trainers and
assessors (practice standards), wholesale and retail and Information and Communications Technology), but has not
yet registered standards for their financial services industry. http://www.bota.org.bw
Insurance Institute of South Africa (IISA): is a non-profit, section 21 company engaged in the delivery of education,
training and skills development to the Insurance and related sectors in South Africa. http://www.iisa.co.za/
The Insurance Institute of Zimbabwe -There is no web site for this institute, but the SGB was able to obtain a copy
of their Certificate of Proficiency from the IISA for the comparison.
The Insurance Institute of Namibia (IION): delivery of education, training and skills development to the Insurance
and related sectors in Namibia The IION uses the courses offered by the IISA exclusively for their training and
accreditation requirements. http://www.iion.biz/
The Insurance Institutes of Kenya, Malawi, Mauritius, Uganda, Egypt, Morocco, Nigeria - These Institutes do not have
web sites but internet research indicates that these countries use either the Insurance Institute of South Africa or the
Chartered Insurance Institute of the UK (or a combination thereof) for their Training and Education requirements.
This was confirmed by Peter Atkinson of the IISA.
Previous comparisons for Financial Services qualifications from Levels 2 to 4 established that a comparison in a country
with an emerging economy is not possible at present. This is because the web sites of the countries considered are either
not presented in English or their accreditation systems are based on internal quality management systems and audits and
not on alignment with national standards. The web sites considered for these comparisons are:
•
•
•
Malaysian Accrediting Body: Lenbaga Akreditasi Negara:
http://www:/lan.gov.my/english/index2eng.htm (English version)
Mexican Accrediting Body: COPAES:
http://www.copaes.org.mx
National Assessment and Accreditation Council (India):
http://www.naac-india.com/
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BACKGROUND AND RATIONALE FOR THE CHOICE OF COUNTRIES FOR
COMPARISON WITH THE FETC: SHORT TERM INSURANCE QUALIFICATION
Qualifications used for this comparison:
The countries selected for this comparison were motivated by efficiency and information available to maximise resources
and minimise time and costs, without losing quality. The SGB already had access to a document detailing the core Unit
Standards of level 4 UK qualifications, as well as Financial Services learning pathways in Australia. All that remained was to
download the Unit Standards and compare the outcomes to the SA outcomes for this qualification.
This comparison is based on the following qualifications:
United Kingdom (UK)
Skills Council for Financial Services National Standards: registered on NVQ. Functional groups of Unit Standards were
downloaded from the Skills Council for Financial Services website. Unfortunately, neither the Financial Services Skills
Council nor the Qualification and Curriculum Authority (QCA) websites make the rules of combination clear in terms of
selecting the Unit Standards. The SGB has established the key skills units (fundamentals) required in the packaging of the
Unit Standards. These will be discussed in this document.
The functional groups included in the Financial Service Skills Council Qualification are as follows:
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Accounting and credit control (Standards at level 2)
Account Services (Standards at levels 2 and 3)
Administration and using IT (Standards at levels 2 and 3)
Asset management and arrears (Standards at levels 3 and 4)
Call Handling (Standards at levels 2-4)
Customer Service (Standards at level 2-4)
Health and Safety (Standards at levels 2-4)
Insurance Claims (Standards at Levels 2 and 3)
Insurance Contracts and Policies (Standards at Levels 2 and 3)
Insurance Intermediaries (Standards at Levels 2 and 3)
Mortgages and lending (Standards at Levels 3 and 4)
Organisation and Resource Management (Standards at levels 2 and 3)
Pensions Administration (Standards at level 3 and 4)
Providing advice (Standards at level 3)
Reinsurance (Standards at level 3)
Sales and Marketing (Standards at levels 2 and 4)
Self Development (Standards at levels 2-4)
Underwriting (Standards at levels 2-3)
Working with others - (Standards at levels 2-4)
Australia (AQF)
Certificate IV in Financial Services (General Insurance), registered on Australian Qualification Framework (AQF): Standards
for this comparison were obtained from documentation sent to the SGB by Gina Hockley, project manager of the task
team that rewrote the Financial Services package in Australia - ghockley@fseaa.com.au
Industry Core Units: To gain a Certificate IV qualification, achievement of the 6 industry core units must be confirmed.
If the industry core units have not been assessed as part of a Certificate III, they are assessed in a Recognition of Prior
Learning process or in combination with the Certificate IV units.
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FNBFSO1B Work within a financial services context
FNBFSO2A Communicate in the workplace
FNBFSO3B Work as part of a team
FNBFSO4B Use technology in the workplace
FNBFSO5A Apply health and safety practices in the workplace
FNBFSO6B Resolve customer complaints
To attain a Certificate IV in Financial Services (General Insurance) 10 units must be achieved:
5 core units: At least 5 units must be selected from the list below to gain the specialist Financial Services (General
Insurance):
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FNBGEN01A Participate in negotiation
FNBGEN04A Evaluate risk for new business
FNBGEN05A Underwrite new business
FNBGEN08A Issue contract of Insurance
FNBGEN12A Analyse Insurance claims
FNBGEN13A Accept or reject a claim
FNBGEN14A Settle claims
FNBGEN15A Investigate claims
FNBGEN21A Resolve Insurance disputes
5 elective units selected from the training package at level IV - there are many units to choose from (depending on the
specialist stream) and only those that have bearing to the comparison have been used for this qualification.
Africa
Most African countries investigated use the Insurance Institute of South Africa (IISA) or The Chartered Insurance Institute
(CII) in the UK for accreditation purposes. Since the IISA aligns their courses with the NQF and the CII theirs with the
NVQ, by comparing the UK and SA Unit Standards the African countries are automatically included in the comparison
as they are assessed against SA and UK NQF and NVQ standards respectively. The SGB was able to source the bridging
certificate programme for Insurance Institute of Zimbabwe. It is understood that learners attend this programme before
embarking on the IISA’s COP or learnership programmes which are NQF aligned. However, this course is a bridging
course to the IISA’s level four Certificate of Proficiency and learnerships, and is therefore not relevant to the comparison
(lower level entry competencies). However for completeness the topic chapters (it is not outcomes based) relating to
Short Term assurance are listed below:
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Language and terminology of Insurance
The concept and history of life assurance
Concepts of risk
Difference between Insurance and assurance
History and development of Insurance
Life assurance today
Why people buy Insurance
Problems with saving and investing
How life assurance serves the nation
Life assurance needs
Individual needs
Role of life assurance in financial planning
Insurance of the person
Types of life policies
Matching products to needs
Legal aspects of life assurance
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The Insurance Market
Pension and Retirement Annuity Funds
National Security Authority (NSSA) (Workmen’s compensation)
Responsibilities of the life Assurance intermediary)
Short Term Insurance
Marine
Fire
Fidelity
Public Liability
Motor Vehicle
Aviation
Basic principles
Classes of Short Term Insurance
Level Descriptors
UK: Competence at level 4 involves the application of knowledge in a broad range of complex, technical or
professional work activities performed in a variety of contexts and with a substantial degree of personal
responsibility and autonomy. Responsibility for the work of others and the allocation of resources is often
present.
AQF: Competence at level 4 involves the following:
Detailed comparison
• Demonstrate understanding of a broad knowledge base incorporating some theoretical concepts
• Apply solutions to a defined range of unpredictable problems
• Identify and apply skill and knowledge areas to a wide variety of contexts with depth in some cases
• Identify, analyse and evaluate information from a variety of sources
• Take responsibility for own outputs in relation to specified quality standards
• Take limited responsibility for the quantity and quality of the output of others
Fundamentals:
Mathematical Literacy:
NVQ: The UK’s Key skill Unit “Application of Number” - Level 4 has three elements (Specific outcomes):
• Develop a strategy for using application of number skills over an extended period of time.
• Monitor progress and adapt your strategy, as necessary, to achieve the quality of outcomes required in work
involving:
• Deductive and inferential reasoning.
• Algebraic modelling.
• Evaluate your overall strategy and present the outcomes from your work, including use of charts, graphs
and diagrams to illustrate complex data.
The UK standard is similar to the SA standards in that the use of Mathematics is applied to a work or life problem.
A hypothesis is stated, and maths is used to research and evaluate a work related problem. The UK standard is
broader than the three SA standards as it does not state which mathematical strategy or methodology (statistics,
algebra, geometry) the learner should use for the problem. It would seem that any of these methods (depending
on the research problem) is acceptable whereas the SA learner will have to be competent against a range of
mathematical methods.
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Communication
NVQ - The Key Skills Unit “Communication” Level 4 involves:
• Develop a strategy for using communication skills over an extended period of time.
• Monitor progress and adapt your strategy, as necessary, to achieve the quality of outcomes required in work
involving at least:
• One group discussion about a complex subject.
• One document of 1,000 words or more about a complex subject.
• Evaluate your overall strategy and present the outcomes from your work, using at least one formal oral
presentation. Include a variety of verbal, visual and other techniques to illustrate your points.
There are some synergies with the contextualised communication Unit Standard - “Use the writing process to
compose texts required in a business environment”. The UK standard requires the additional competencies of
making a business presentation.
AQF: The Industry core unit “Communicate in the workplace” has the following common elements
ofcompetence: knowledge of industry and company policies and procedures in regard to customer
service, comm tion, correspondence, receipt of messages and internal administration systems, basic
knowledge and understanding of relevant legislation, statutory requirements or industry codes of practice,
including, questioning/listening techniques, oral and written communication techniques, industry/company
security practices, knowledge of types of correspondence, information and/or reports generated, basic
interpersona and communication skills and referral skills. The AQF standard has additional elements
competency regarding the use of appropriate software, basic keyboard and computer skills, which are not
implicitly stated in the SA standard, but are covered in the PC literacy standards.
The Core unit “participate in negotiations” describes the skills and knowledge required to take part in negotiations
either as an individual or as a member of a team. It includes effective negotiation techniques and planning and
preparing for the negotiation and finalizing agreement, which is a high level communication skill that has the following
Underpinning competencies: May include:
• Research techniques such as knowledge of sources of information and Research skills, analysis and evaluation,
accessing information from a range of sources, using the Internet, libraries and specialist databases- evident in
SA Unit Standard: Access information to respond to client enquiries in a financial services environment.
• Company systems and processes - Some overlaps with SA standards: Operate a computer workstation in a
business environment / Use a web browser in a business environment.
• Knowledge of policies and policy wording.
• Communication.
• Presentation and questioning skills.
• The ability to analyse and organise information.
• This unit requires the ability to read and interpret Insurance policy documents, surveys, reports, claims and
related documents. Interpretation of statistical information may be needed.
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Financial Literacy
The financial literacy Unit Standards in the FETC: Short Term Qualification introduces entry-level financial related
competencies for learners, and ensures that individuals are able to apply the financial literacy concepts in their
own lives to be financially responsible and therefore more productive and responsible employees. i.e. the industry
requires financially responsible and empowered employees to work with their client’s money and investments.
NVQ: No similar Unit Standards were sourced on the NVQ in the context of Insurance Qualifications packaging.
Financial literacy competencies are embedded in other Unit Standard across their qualification, but the application of
these competencies does not appear to extend to learners own lives.
AQF: For the first time the SGB has received the units (standards) that are registered on the AQF. They do not
form part of industry core (similar to our fundamental standards) but have been categorised as elective standards.
These standards are new units designed to enhance consumer financial literacy, although some have a personal
application element.
Develop and use a personal budget
addresses the basic knowledge and skills required to develop implement and monitor a personal savings budget. It
covers exploring the benefits of budgeting, identifying income and expenses and ways to monitor the budget.
Develop and use a savings plan
is designed to develop skills and knowledge required for developing and implementing a savings plan to achieve
identified goals. It covers identifying savings goals, understanding the role of the savings plan, the risk/return
relationship and how to determine appropriate savings vehicles for maximising savings.
Develop understanding of debt and consumer credit
covers the skills and knowledge to promote customer awareness of basic financial literacy skills necessary for
beginning to make informed financial decisions. It covers the need and purpose of bank accounts, basic savings and
investment principles, risk and return, and the role of Insurance and superannuation.
Develop understanding of superannuation
is designed to enhance consumer financial literacy and covers the skills and knowledge required to understand the
role of superannuation and other longer term investment devices and to make effective and informed decisions
about the related products. It covers the purpose of superannuation, the role and range of investment vehicles in the
building of personal wealth and the active monitoring of a superannuation scheme’s performance over time.
Develop understanding of the Australian financial system and markets
provides a basic overview and introduction to the financial systems and markets operating in Australia. It covers
identifying the main participants in financial markets, the role of the central bank, the impact of its decisions on
business and consumers, key factors that influence the Australian economy and the role of financial regulators.
Assist customers to budget and manage own finances
covers the competences required to assist customers develop basic budgeting skills as a means to managing day-today
living expenses and working towards identified financial goals and priorities.
Facilitate customer awareness of the Australian financial system and markets
covers the skills and knowledge to develop client awareness of how the monetary and financial systems and markets
operate in Australia, with the aim of enhancing basic consumer financial literacy.
Promote basic financial literacy skills
covers the skills and knowledge to promote customer awareness of basic financial literacy skills necessary for
beginning to
make informed financial decisions. It covers the need and purpose of bank accounts, basic savings and investment
principles, risk and return, and the role of Insurance and superannuation.
Facilitate customer understanding of personal financial statements
covers the skills and knowledge to educate customers in understanding and interpreting information contained in
personal financial statements. It covers a range of statements including bank and credit card statements.
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Facilitate customer or employee understanding of superannuation as an investment tool
covers the skills and knowledge to educate about the role of superannuation as a long term investment device to
assist with their preparation for retirement. It covers the purpose of superannuation, the statutory requirements for
employer contributions, the role of a range of investment vehicles in the building of a superannuation portfolio and
the monitoring of a superannuation scheme’s performance over time.
The above units have a SA equivalent in terms of competencies across the qualification or within the Level 3
qualifications. However, the SA qualification has no obvious emphasis on consumer education, as this is not an
industry requirement for Insurance workers - whilst competent SA learners may have the knowledge of financial
concepts they may not have the counselling, persuasion or coaching skills required to do so. It is also relevant to
note that previous comparisons with the Australian qualifications have indicated that Financial Literacy concepts are
embedded in the core units but do not extend to application in the learners own lives. This is no longer the case
at these new standards assist learners to manage finances in their own lives as well as educate clients on relevant
financial concepts.
Conclusion (Fundamentals)
There are four other key skills units registered at level 4 on the NVQ (see below) that do not have SA fundamental
counterparts but are covered by SA’s critical cross-field outcomes either across the qualification or by the core and
elective Unit Standards in this qualification:
• Information and Communication Technology - Level 4
• Improving own learning and Performance - Level 4
• Problem Solving - Level 4
• Working with Others - Level 4
All the key skills units follow generic formulae: Develop a strategy using the specific competencies, monitor
progress, evaluate and present objectives using new skills acquired.
The industry core standards registered on the AQF at certificate 4 level are fundamental and must be demonstrated
at diploma or advanced diploma level.
• Apply principles of professional practice to work in the financial services industry
• AQF: Deliver a professional service to customers: Knowledge requirements include the finance industry,
customer relations, customer service, organisational product and service knowledge, complaint documentation
requirements, relevant industry legislation.
Skills requirements include: basic communication skills such as basic questioning, listening, speaking and writing skills
and the ability to interpret and demonstrate appropriate non-verbal skills, basic interpersonal/relationship building
skills, sales techniques, time management skills, recording skills, problem solving skills, organisational skills such as
prioritising, appropriate documentation, and maintaining records.
• Communicate in the workplace.
• Use technology in the workplace.
• Apply health and safety practices in the workplace.
Core component
• Demonstrate knowledge of insurable risk.
• NVQ & AQF: Whilst there are no isolated Unit Standards that cover the concept of risk there are various
Unit Standards across the groupings that have insurable risk as embedded knowledge.
• Apply the law of contract to Insurance.
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• NVQ: Process New Business as an Intermediary (L3). The following outcome on this standard indicates an
understanding on the law of contract: “finalise contracts for Insurance products and services” - (and related
performance criteria) “at all times comply with the relevant regulatory code”. However, the depth and
breadth is not as in-depth as the SA standard.
• AQF: There is no specific standard relating to the law of contract however, the embedded knowledge in
various units require extensive legislative knowledge and the application of compliance.
• Demonstrate knowledge and application of ethical conduct in a business environment. (Also Core in RI)
• NVQ: Regulations and ethics: In this Unit Standard the synergies are with regard to demonstrating a
knowledge of: The main aims and activities of the Financial Services Authority (FSA) and its approach to
ethical conduct (compliance) by firms and individuals and how other non tax laws and regulations are relevant
to firms and to the process of advising clients (Client relations and Policy Holder Protection).
• AQF: Deliver a professional service to customers: The following competencies imply ethical conduct in the
workplace although there is not a direct correlation with the SA standard: Knowledge requirements include
the finance industry, customer relations, customer service, organisational product and service knowledge,
complaint documentation requirements, relevant industry legislation. Skills requirements include: basic
communication skills such as basic questioning, listening, speaking and writing skills and the ability to interpret
and demonstrate appropriate non-verbal skills, basic interpersonal/relationship building skills, sales techniques,
time management skills, recording skills, problem solving skills, organisational skills such as prioritising,
appropriate documentation, and maintaining records.
• Apply the skills of customer care in a specific work environment.
• NVQ: Within the Customer Service functional group the following standards have various overlapping
outcomes with the SA standard: Maintain and Improve Customer Service Delivery (L3), Develop Customer
Relationships and Business Networks (L3), Develop Productive Relationships With Callers (L3), Establish and
Maintain Productive Business Relationships (L4), Develop and Maintain Positive Working Relationships With
Customers (L3) Notes: Analysis of personality styles is unique to the SA standard, although the UK standards
do look at the wants and needs of the client and balancing these with the organisational needs. The customer
care group is wide on the NVQ and there are therefore a number of outcomes that are not addressed in the
SA Unit Standard. For the purpose of this comparison, only the Level 4 outcomes that are not implicit in the
SA standard are mentioned:
• (US) Address problems and complaints on behalf of customers:
• (SO) Deal with problems and queries on behalf of customers
• (SO) Deal with complaints
• (US) Manage and enhance customer service delivery:
• (SO) Monitor and manage customer service delivery
• (SO) Initiate changes to improve customer service delivery
• (US) Establish and maintain productive business relationships:
• (SO) Identify potential customers, influencers and decision makers
• (SO) Develop and enhance positive working relationships with customers (This is met in the SA Standard)
• (SO) Develop and maintain a network of key contacts
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• AQF: The following standards have synergies with the SA standard: Provide customer service in a retail
agency (L3)Respond to customer enquiries (L4). Again, analysis of personality styles is unique to the SA
standard.
• Manage own work performance in relation to an organisation’s performance management system.
• NVQ: Contribute to the development of own performance (L2), Manage yourself (L2), Develop your own
resources (L4), Maintain own professional development (Level Unspecified) in the Self Development functional
grouping all have elements of setting work performance standards, identifying areas for development and
improving work performance.
• Describe how to manage workplace relationships.
• NVQ: Maintain business relationships (L3), Develop and maintain business relations with introducers (L4),
Establish And Maintain Productive Business Relationships (L4), Develop productive working relationships (L4),
Develop positive working relationships with customers and colleagues (L3), Develop and maintain positive
working relationships with other members of staff (L3), Develop and maintain positive working relationships
with customers (L3), Develop and maintain positive working relationships (L4) and Create effective working
relationships (L3) have similar outcomes across the standards.
• Demonstrate knowledge and understanding of issues of compliance or non-activity that could result in civil or
criminal liability in terms of business law.
• AQF: The compliance groupings of standards have various standards relating to implementing procedures for
non-compliance with knowledge of the results of non-compliance embedded. Apply principles of professional
practice to work in the financial services industry and Comply with financial services legislation, industry and
professional codes of practice have elements competency relating to ethical codes of behaviour included in the
performance criteria.
• Indicate how different needs lead to the development of different financial services products.
• AQF: Match financial products to customer needs: This unit covers the processes used to match the financial
products on offer to the customer’s requirements. It is based on an in-depth knowledge of the financial
products and comprehensive knowledge of customers’ characteristics and their financial requirements.
• Use an electronic system as a tool in a financial services context.
• Use technology in the workplace: There are various overlaps although the intentions are not identical.
No equivalents were found for on the international qualifications researched for:
• Analyse new developments reported in the media that could impact on Short Term Insurance.
• Manage risk in own work environment.
• Demonstrate knowledge and understanding of personal motor Insurance. *
• Apply technical knowledge and understanding of the cover provided under a Short Term Multi-Peril Insurance
policy. *
* Note: Although no specific standards were found on the NVQ and AQF the embedded competencies in
the standards that were found inferred competencies in product knowledge and understanding of the
Short Term claims industry.
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General short term
• Demonstrate techniques for gathering and presenting fieldwork data.
• NVQ: Prepare Policy Documentation, Carry out initial assessment and investigate claims and Resolve Claims
are task based standards that are not as specific as the SA standard but have some of the administrative
synergies.
• Apply knowledge of Short Term Insurance to reinsurance.
• NVQ: Make arrangements for reinsurance and contribute to reinsurance arrangements.
No equivalents were found in the international qualifications researched for:
• Demonstrate knowledge and understanding of the scope of travel Insurance in South Africa.
• Explain fiduciary responsibilities and the associated risks.
• Analyse the impact of weather events on a selected region.
• Explain the implications of climate change for an economic sector.
• Explain trade in a global economy.
• Describe the standard Insurance cover in terms of SASRIA.
• Demonstrate knowledge and understanding of the standard Insurance cover in terms of NASRIA.
• Explain Insurance transactions specific to Lloyd’s of London.
* Note: Although no specific standards were found on the NVQ and AQF the embedded competencies in
the standards that were found inferred competencies in product knowledge and understanding of the Short
Term claims industry.
Personal lines
No correlating standards were found for these, but the task/occupational based standards and standards on the NQF
infer an underpinning knowledge of these concepts. The Australian standards also refer to many of the underpinning
competencies included in these standards being included in the standards that make up their curriculum:
• Apply knowledge of personal all risks Insurance.
• Demonstrate knowledge and understanding of house owners Insurance.
• Apply knowledge of Insurance of personal household contents.
• Demonstrate knowledge and understanding of Insurance of personal household contents and household
buildings.
• Demonstrate knowledge and understanding of the Insurance of pleasure craft.
• Apply knowledge of personal accident Insurance.
• Apply knowledge of personal liability Insurance.
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Commercial lines
No correlating standards were found for these but the task/occupational based standards and standards on the
NQF would infer an underpinning knowledge of these concepts. The Australian standards also refer to many of
the underpinning competencies included in these standards being included in the standards that make up their
curriculum:
• Demonstrate knowledge and understanding of business motor Insurance.
• Apply knowledge of Short Term Insurance to the All Risks section of a commercial policy.
• Apply technical knowledge and understanding of business Insurance.
• Apply knowledge of business interruption Insurance.
• Apply knowledge of public liability Insurance.
• Apply technical knowledge and understanding of Insurance in the event of machinery breakdown.
• Demonstrate knowledge and application of Sectional Title Insurance.
• Demonstrate knowledge and understanding of warranty as a class of Insurance.
• Apply technical knowledge and understanding of Contract Works Insurance.
• Explain engineering Insurance.
• Apply technical knowledge and understanding of fidelity Insurance as a means of managing people related
financial risk.
• Analyse the scope of transportation Insurance.
• Demonstrate knowledge and understanding of transportation Insurance.
• Apply knowledge of Insurance to the transportation of a consignment of goods.
• Explain aviation Insurance.
• Manage the risk in an agricultural entity.
• Apply knowledge of agricultural crop Insurance.
• Apply technical knowledge and understanding of the Insurance of wild life, livestock and other animals.
• Apply technical knowledge and understanding of the Insurance of timber plantations.
Short term risk (underwriting and claims)
• Underwrite a standard risk in Short Term personal Insurance/Underwrite a standard risk in Short Term
commercial Insurance/Apply technical knowledge and skill in order to underwrite professional indemnity
Insurance/Apply technical knowledge and skill to assess an aviation risk.
• NVQ: Evaluate New Risks On Behalf of The Insurer/assess and underwrite alterations / assess and underwrite
renewals and Resolve claim applications for uninsured elements.
• AQF Core Unit - Evaluate risk for new business: This unit describes the competencies used in evaluating risk
for new business including gathering the risk information, and reviewing and assessing it against appropriate
risk criteria.
• AQF Core Unit - Underwrite new business: This unit describes the competencies used in underwriting new
business including determining the terms and conditions of risk acceptance, evaluating the response of the
customer, negotiating and finalising the cover.
• AQF Core Unit - Issue contract of Insurance: This unit describes the competencies used in gathering the
necessary information and issuing a new policy/contract of Insurance in response to requests for quotes,
new policies, or interim cover (cover note) in standard situations. It also covers canceling a policy at the
customer’s request.
• Process a Short Term Insurance claim/Demonstrate knowledge and skill in order to assess a non-motor claim
Registered title: Demonstrate knowledge and skill in order to assess a fire or accident claim/Apply basic
technical knowledge of a vehicle to authorise a light motor vehicle claim/Apply basic technical knowledge of a
vehicle to authorise a heavy motor vehicle claim
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• NVQ: Resolve claim applications for insured elements.
• AQF - there are various core units that correlate: (Due to the task based nature of the Australian standards
there are more standards than those proposed in the SA qualification, as the SA units cover just the
competencies and outcomes).
• “Participate in negotiations” describes the skills and knowledge required to take part in negotiations either as
an individual or as a member of a team. It includes effective negotiation techniques and planning and preparing
for the negotiation and finalizing agreement. In the context of it being placed in the AQF qualification the
inferences is that learners are able to negotiate claim settlements and benefits.
• Analyse Insurance claims: This unit describes the competencies needed when analysing Insurance claims
including researching and validating the claim information and maintaining records and lines of the
communication.
• Accept or reject a claim: This unit describes the competencies needed to decide whether to accept or reject
a claim by reviewing the data against company policy and procedures.
• Settle claims: This unit describes the competencies needed to settle claims including the negotiation of terms,
recording of detail, finalisation of payments and filing of documents.
• Investigate claims: This unit covers the competencies needed to investigate a claim. The investigation may
cover the degree of liability or a potential fraud. The unit includes competencies for clarifying the brief,
conducting the investigation and reporting. The function may be conducted within a company or it may
be outsourced. Note: Investigation methods may include: phone calls, observation, interviews, review of
documents mechanical or chemical analysis and other relevant information gathering activities.
• Resolve Insurance disputes: This unit describes the competencies involved in resolving disputes lodged by
customers who may have a dispute with the insurer or external service provider. The skills will be applied as
part of a formal internal dispute resolution (IDR) process.
Sales and client care
• Communicate verbally with clients in a financial services environment.
• NVQ: Advise customers as an Insurance intermediary (L3); Ensure the quality of call handling services (L4);
Contribute to developing and maintaining positive caller relationships (L3) Supervising Call Handling (L3), Call
Handling Operations (L2); Solve problems for telephone callers (L3), Supervising Call Handling (L3), Develop
and maintain supportive relationships with telephone callers (L3).
• AQF: Liaise with clients, other professionals and third parties (L3).
• Access information to respond to client enquiries in a financial services environment.
• NVQ: Enter and retrieve information using a computer system (L2).
• AQF: Collect, assess and use information (L4) - Industry core unit.
• Demonstrate knowledge and understanding of financial interactions of insurers and intermediaries in Short
Term Insurance/Demonstrate skills and techniques required to build a relationship with a client in a financial
services environment/Demonstrate knowledge and understanding of the sales process in Short Term
Insurance/Apply the regulations for disclosure that are required as part of the financial sales process.
• NVQ: Sell products and services over the telephone, Service new business as an intermediary.
• AQF: Sell financial products and services (L4), Implement a sales plan (L4).
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• Manage a business offering financial advice.
• AQF: Although not specific to management of an intermediary function, the units at L4: “Contribute to
resource planning” and “Work with specialist and outsourced functions” have overlapping competencies,
Establish or review human resources (L4) administration and information support (L4).
• Explore strategies to retain or expand existing business in the Insurance/investment industry.
• NVQ: Identify sales leads for follow up calls (L4), Sell financial products and services (L2-4), Contribute to
financial services sales action plans (L4), Provide feedback on financial products and services (L4).
• AQF: Coordinate, evaluate and improve customer service, (L4) Maintain customer database (L4), Maintain
customer relationship (L4), Co-ordinate, evaluate and improve customer service (L4) and Implement a
servicesupport system (L4) Establish or review marketing, client services and supplier relationships (L4).
• Determine risk exposure in order to manage the risk in a specific situation.
• NVQ: Sell financial products and services (L2-4), Promote the organisations products and services (L3).
• AQF: Establish client relationship and analyse needs (L4) and Develop, present and negotiate client solutions
(L4).
• Demonstrate skills and techniques required to build a relationship with a client in a financial services
environment.
• NVQ: Sell products and services over the telephone (L2, 3).
• AQF: Prospect for new clients (L4) and although the intentions are different there are overlapping
competencies in Apply principles of professional practice to work.
General industry
No explicit standards were found on the NVQ or AQF for the following standards although the underlying
competencies contained in them are embedded across both the UK and Australian qualifications to a greater or
lesser extent.
• Analyse the Financial Services Industry and the role of Insurance in a business environment.
• Demonstrate knowledge and understanding of the role, functions and duties of trustees of medical schemes.
• Demonstrate ability to use and interpret texts that apply to the role and responsibilities of trustees of
retirement funds.
• Apply knowledge of basic accounting principles to financial services
Legislation
As regulation is specific to a country the SGB has not compared standard for standard but identified that all
qualifications do in fact put value on acquisition of competencies relating to the legal environment:
• AQF: The Compliance standards: “Conduct individual work within a compliance framework”, “Facilitate
compliance with statutory, legislative and regulatory requirements via staff education and Apply principles of
professional practice to work in the financial services industry has correlations with competencies included
in the SA legislation standards as the above Australian standard requires the competent learner to operate
within company guidelines and comply with relevant legislation and codes of practice. Unlike the SA standards,
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there are not separate standards for each Act, but these standards measure the learner’s ability to comply
with the statutory requirements in the Australian system. The underpinning competencies include relevant
statutory, legislative and regulatory requirements, relevant codes of practice, organisational policy and
procedures, comprehensive knowledge of individual work requirements and practices, ethics, documentation
skills, written and oral communication skills. In addition to knowledge of regulation and compliance, thereof
there are numerous standards available on the AQF relating to developing compliance standards, training staff
about compliance issues, implementing compliance measures and implementing codes relating to breach of
compliance measures. Some of these units include but are not limited to; Facilitate compliance with statutory,
legislative and regulatory requirements via staff education, Develop and implement compliance systems,
Implement processes for the management of breaches in compliance requirements.
Motor assessors
• Apply technical knowledge and skill to determine the quantum and validity of a light motor vehicle claim.
• Apply technical knowledge and skill to determine the quantum and validity of an industrial or heavy vehicle
claim.
• Produce photographic evidence of a collision.
• AQF: Australian claims standards are very generic. The following core standards relate to claims but do not
specify motor claims or the type: - Heavy or light. They do refer to evidence of the claims in their performance
criteria and range statements:
• Analyse Insurance claims:
This unit describes the competencies needed when analysing Insurance claims including researching and
validating the claim information and maintaining records and lines of the communication.
• Accept or reject a claim:
This unit describes the competencies needed to decide whether to accept or reject a claim by reviewing the
data against company policy and procedures.
• Settle claims:
This unit describes the competencies needed to settle claims including the negotiation of terms, recording of
detail, finalisation of payments and filing of documents.
• Investigate claims:
This unit covers the competencies needed to investigate a claim. The investigation may cover the degree
of liability or a potential fraud. The unit includes competencies for clarifying the brief, conducting the
investigation and reporting. The function may be conducted within a company or it may be outsourced.
Note: Investigation methods may include: phone calls, observation, interviews, review of documents
mechanical or chemical analysis and other relevant information gathering activities.
• AQF: The following Unit Standards have synergies with the above SA Unit Standards in various competencies
Plan and implement loss investigation/Evaluate collected information/Report findings and provide guidance to
involved parties/Negotiate /effect settlement. The Australian standards are generic assessment standards and
include the following competencies as detailed below.
Knowledge of:
• The Insurance industry
• Contract and commercial law principles
• Insurance law
• Relevant legislation and industry codes of practice
• Types/categories of Insurance policies
• Policy coverage/requirements
• Loss adjusting principles and practice
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

• Investigative practices and guidelines
• Fraud detection, control and prevention principles
• Rules of evidence and information gathering/documenting principles.
• Roles/responsibilities/jurisdiction of specialists and other authorities
• Claims management
• Principles of cost estimating
• Subrogation
• Insurable interest
• Contribution
• Data analysis techniques/procedures
• Business mathematics and statistics
• Principles of cost estimating
• Salvage methods
• Recovery
• Skills requirements include:
• Analytical, evaluative and deductive reasoning.
• Investigative, analytical, evaluative and deductive reasoning.
• Problem solving.
• Negotiation and interviewing.
• Calculation and estimating.
• Data analysis techniques/procedures.
• Documentation and record keeping.
• Communication and listening skills.
• Record keeping.
This unit describes the function of assessing and analysing evidence and data relating to a loss situation, and
determining the extent of loss, damage or injury.
Personal development
• Manage time effectively to enhance productivity and enable a balanced lifestyle.
• NVQ: Manage personal work priorities and professional development (L2).
• Apply problem solving techniques to make a decision or solve a problem in a real life context.
• NVQ: One of the key skills on the NVQ is Problem Solving and would thus be covered - refer section
covering fundamentals.
• Manage personal expenditure.
• AQF Financial literacy standard - “Develop and use a personal budget”: addresses the basic knowledge and
skills required to develop implement and monitor a personal savings budget. It covers exploring the benefits of
budgeting, identifying income and expenses and ways to monitor the budget.
• Investigate the possibilities of establishing and running a small business enterprise (SMME).
• AQF - Manage and maintain small/medium business: This unit requires the application of management,
communication and problem solving skills to operate a micro to small business or department. It may be
applied to the financial services industry operations.
• Develop a business plan for a small business.
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• AQF: Although the standard is for an already established business “Grow the practice”, has the following
overlapping competencies: Knowledge of marketing principles, ability to acquire and interpret relevant data,
skills to analyse and manipulate data, communicate, negotiate, problem solve, and plan.
• Manage Risk in own work/business environment.
• AQF: Establish, supervise and monitor practice systems to conform with legislation and regulations (L4),
Undertake risk identification (L4), Assess risks (L4), Develop and implement risk mitigation plan (L4),
Determine and manage risk exposure strategies (L4).
• AQF: Liaise with and support trustees - AQF- (L3).
• Investigate the need to provide financially for own retirement.
• AQF: The financial literacy standards discussed in section one provide competencies to invest for retirement:
“Develop and use a savings plan”, “Develop understanding of superannuation”, “Promote basic financial literacy
skills”.
• Use the writing process to compose texts required in a business environment.
• NVQ: The Key Skills Unit “Communication” Level 4 involves - refer section on Communication to identify
synergies.
• Apply comprehension skills to engage oral texts in a business environment/apply comprehension skills to
interact with written texts in a business environment.
• NVQ Keys skills unit covers generic communication skills that overlap with the SA standard.
The SGB could not source any stand-alone standards that matched the following:
• Research costs associated with marriage, birth, divorce and death in own circumstances.
• Explain how to manage diversity in the workplace.
• Apply knowledge of self and own situation to manage the risks resulting from change in the workplace.
• Explain the impact of personal wellness on work performance.
• Induct a new member into a team.
• Manage risk in own life.
• Apply the principles of situational leadership to a business unit.
• Apply Return on Investment (ROI) theory and practice to a business unit.
• Mentor a colleague to enhance the individual’s knowledge, skills, values and attitudes in a selected career path.
• Explain how to manage diversity in the workplace.
• Identify causes of stress and techniques to manage it in the workplace.
• Apply knowledge of HIV/AIDS to a specific business sector and a workplace.
NVQ Titles that have no SA counterparts: (However since the UK titles are task related the competencies included
in these are covered through a variety of SA standards):
• Service Renewals - Basic underwriting principles.
• Service Mid Term Amendments - Basic underwriting and administration principles.
• Advise Other Intermediaries.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Computer literacy
• NVQ: The Key skills include information technology. There are further optional units (depending on the
learning pathway) that test competence of various computer knowledge and skills. There are equivalent NVQ
standards for all the South African Standards in the National Certificate in Financial Services: Level 3.
• NVQ: Data processing: (L3), Process sales support (L3), Enter and retrieve information using a computer
system (L2).
• AQF: Use technology in the workplace.
• AQF: The industry core unit: Use technology in the workplace as well as the computer literacy as an
embedded competency in the units across the qualification indicates the importance of computer literacy in
the AQF. Definite synergies were also found for.
Management
Whilst there are NVQ and AQF standards that match the following Unit Standards, they are not included in the
packaging of the qualifications researched. However, to some extent, several of the management competencies are
met across the NVQ and AQF qualifications:
• NVQ: Lead the work of teams and individuals to achieve their objectives (L3), Develop teams and individuals
to enhance performance (L4), Manage the use of financial resources, Manage the performance of teams
and individuals (L4) , Select personnel for activities (L4), Contribute to the development of teams and
individuals (L4) , Coordinate the work activities of others for the achievement of organisational objectives
(level unspecified), Contribute to influencing change within the organisation (L4), Manage the use of physical
resources (L4), Maintain activities to meet quality standards (L4).
• AQF: The Organisational Skills Functional group includes standards: Contribute to resource planning
with embedded competencies of Knowledge requirements include: company policy and procedure, job
specifications, work objectives, and responsibilities, relevant guidelines and legislation, observation skills,
analysis of data, trend identification, reporting skills, written communication skills, and Work with Specialist
and outsourced services which includes the following competencies: features, compliance and reporting
requirements of the relevant legislation, timeframe requirements for compliance reports for specialist
services, relationship between specialist roles and organisational requirements, general knowledge of
the roles of relevant specialists, organisational procedures for ensuring PS146 compliance or relevant
legislation, organisational procedures for working with specialist services, communication and documentation
requirements of specialists, communication, documentation, ability to assess validity and usefulness of
information, teamwork, ability to effectively manage change and integrate new information and procedures.
Conclusion
It is encouraging to note the synergies in terms of the competencies of three qualifications if learners select a Short
Term qualification on the international routes (i.e. the international qualifications are not limited to Short Term
Insurance outcomes).
The differences lie primarily in:
• Product knowledge (personal lines, commercial lines and general Short Term) standards are not as common
in the UK and Australian “basket” but are embedded as competencies in the task based Unit Standards that
comprise their qualifications.
• The core and key skills of the UK and Australian qualifications provides skills that are essential in the financial
services industry such as communication, team work, using IT, etc and the electives branch to areas of
specialistation. In the UK and Australia, the qualifications can lead to competencies including but not limited to
banking, Short Term, long term, trustee, pensions, sales and marketing, etc. They do not include competencies
in the Health Care Benefits or funeral funds fields.
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• There appear to be more personal development and management standards available as electives in the South
African basket although Australia seems to be increasing their selection compared to previous comparison
done in this industry.
• Both the NVQ and AQF standards focus on steps in the processes in an Insurance environment such as Pay a
claim, and Process a new business proposal. The competency-based nature of the SA Unit Standards makes
them more sustainable, as processes can become outdated.
• There are more electives to choose from the personal development and management basket for South African
learners. i.e. the focus in not limited to work based competencies, but to increasing competency of the learner
as a whole person. In Australia the core (elective) route is not as structured as the SA qualification and there
are more routes to select from there.
Since most African countries either use the UK or SA institutes for examination or accreditation purposes
it is reassuring to know that once the proposed Unit Standards are registered and the IISA has aligned their
coursesaccordingly, the African Insurance institutes that use the IISA for accreditation purposes will develop relevant
competencies amongst their learners there will be synergies between competent learners in South Africa and the
rest of Africa.
Overall, the learners exiting any of the three qualifications compared will have similar core competencies at
similar levels to the learner exiting with this South African Qualification (If the Short Term electives are selected).
However, the specialisation of the different UK and Australian fields of learning make the certificates more rigid and
there may be a few gaps in terms of specialised knowledge.
ARTICULATION OPTIONS
the Qualification articulates horizontally with:
•
•
•
•
•
•
•
•
•
•
Any FETC on the basis of the Fundamentals.
The National Certificate in Long-term Insurance: Level 4.
The National Certificate in Short Term Insurance: Level 4.
The National Certificate in Risk Management: Level 4.
The National Certificate in Financial Services Management: Level 4.
The National Certificate in Management: Level 4.
The National Certificate in Financial Services: Wealth Management: Level 4.
FETC: Long-Term Insurance.
FETC: Retail Insurance.
FETC: Medical Claims Assessing.
It articulates vertically with:
•
•
Financial Services Qualifications at Level 5 in that Fundamental Competencies gained in Communication and
Mathematical Literacy in this Qualification should enable the learner to proceed with applicable industry
Qualifications at NQF Level 5.
Management Qualifications at Level 5 depending on the admission requirements of specific Higher Education
Institutions.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

MODERATION OPTIONS
This Qualification will be internally assessed and externally moderated by a moderator registered by a relevant accredited
ETQA or an ETQA that has a Memorandum of Understanding with the relevant accredited ETQA.
•
•
•
•
Moderators, competent at the level of the Qualification, are registered by a relevant accredited ETQA to ensure that
the standard across assessors is consistent.
Moderators must be registered as assessors with the relevant ETQA.
Moderators are required to report to a relevant accredited ETQA.
A relevant accredited ETQA will monitor and quality assure moderation and assessment according to guidelines in
the Qualification.
CRITERIA FOR THE REGISTRATION OF ASSESSORS
This Qualification will be internally assessed by the provider and moderated by a moderator registered by a relevant
accredited ETQA or an ETQA that has a Memorandum of Understanding with the relevant accredited ETQA.
•
•
•
•
•
NOTES
Assessors must be registered as assessors with a relevant accredited ETQA.
Moderators, competent at the level of the Qualification are registered by a relevant accredited ETQA to ensure that
the standard across assessors is consistent.
Providers of the FETC: Short Term Insurance must be accredited as providers with a relevant accredited ETQA.
Assessors should be in possession of a relevant Insurance Qualification at NQF level 5.
Or higher.
This qualification replaces qualification 21796, “National Certificate: Short Term Insurance”, Level 4, 120 credits.
Demonstrate knowledge and insight of the Financial Advisory and Intermediary Services Act (FAIS) (Act 37 of 2002).
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UNIT STANDARDS
ID UNIT STANDARD TITLE NQF LEVEL CREDITS
Core 114943 Describe how to manage workplace relationships 3 2
Core 114985
Core 117133
indicate how different needs lead to the development of different Financial
Service products
manage own work performance in relation to an organisation’s performance
management system
3 4
3 2
Core 113911 Use an electronic system as a tool in a financial services context 3 2
Core 120019
Core 120121
analyse new developments reported in the media that could impact on Short
term insurance
apply technical knowledge and understanding of the cover provided under a
Short term multi-peril insurance policy
4 10
4 5
Core 120128 apply the law of contract to insurance 4 3
Core 119676 apply the skills of customer care in a specific work environment 4 4
Core 13940
Core 120127
Demonstrate knowledge and application of ethical conduct in a business
environment
Demonstrate knowledge and understanding of issues of compliance or nonactivity
that could result in civil or criminal liability in terms of business law
4 4
4 2
Core 120005 Demonstrate knowledge and understanding of personal motor insurance 4 4
Core 120124 Demonstrate knowledge of insurable risk 4 3
Core 117117 Describe standard insurance cover in terms of SaSria 4 4
Core 119265 manage risk in own work environment 4 2
Fundamental 8968 accommodate audience and context needs in oral communication 3 5
Fundamental 8969 interpret and use information from texts 3 5
Fundamental 8973 Use language and communication in occupational learning programmes 3 5
Fundamental 8970 Write texts for a range of communicative contexts 3 5
Fundamental 9015
apply knowledge of statistics and probability to critically interrogate and
effectively communicate findings on life related problems
4 6
Fundamental 117127 Describe and apply the basic principles of personal income tax 4 3
Fundamental 8974 engage in sustained oral communication and evaluate spoken texts 4 5
Fundamental 117156 interpret basic financial statements 4 4
Fundamental 117158 investigate ways of managing financial risk in own lives 4 5
Fundamental 8975 read analyse and respond to a variety of texts 4 5
Fundamental 9016
represent analyse and calculate shape and motion in 2-and 3-dimensional
space in different contexts
4 4
ID UNIT STANDARD TITLE NQF LEVEL CREDITS
Fundamental 8979 Use language and communication in occupational learning programmes 4 5
Fundamental 7468
Use mathematics to investigate and monitor the financial aspects of personal,
business, national and international issues
4 6
Fundamental 8976 Write for a wide range of contexts 4 5
elective 9302
access information in order to respond to client enquiries in a financial
services environment
3 2
elective 117111 apply knowledge of basic accounting principles to financial services 3 4
elective 114941 apply knowledge of Hiv/aiDS to a specific business sector and a workplace 3 4
elective 116966
apply knowledge of self and own situation to manage risks resulting from
change in the workplace
3 3
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

elective 13912
elective 114952
elective 113909
apply knowledge of self and team in order to develop a plan to enhance
team performance
apply problem-solving techniques to make a decision or solve a problem in a
real life context
Coach a team member in order to enhance individual performance in work
environment
3 5
3 2
3 5
elective 9303 Communicate verbally with clients in a financial environment 3 3
elective 12548
elective 12550
elective 12547
elective 119894
Demonstrate ability to use and interpret texts that apply to the role and
responsibilities of trustees of retirement Funds
Demonstrate knowledge and understanding of the role
functions and responsibilities of trustees of medical Schemes
Demonstrate knowledge and understanding of the role,
functions and duties of trustees of retirement Funds
Demonstrate techniques for gathering and presenting
fieldwork data
3 4
3 4
3 4
3 3
elective 117130 explain aviation insurance 3 2
elective 114932 explain how to manage diversity in the workplace 3 2
elective 117135 explain insurance transactions specific to lloyd’s of london 3 2
elective 113907 explain the impact of personal wellness on work performance 3 2
elective 114966 explain the types of compulsory statutory insurance in South africa 3 2
elective 114946 identify causes of stress and techniques to manage it in the workplace 3 2
elective 114960 investigate the need to provide financially for own retirement 3 3
elective 117128
investigate the upside and downside business risk in hand held electronic
devices.
3 3
elective 114984 manage electronic mail in a business environment 3 2
elective 119915 manage personal expenditure 3 3
elective 114970 manage risk in own life 3 3
elective 117171
manage time effectively to enhance productivity and enable a balanced
lifestyle
3 2
elective 114979 operate a computer workstation in a business environment 3 2
elective 119681
ID UNIT STANDARD TITLE NQF LEVEL CREDITS
research costs associated with marriage, birth, divorce and death in own
circumstances
3 4
elective 114980 Use a presentation package to produce business documents 3 3
elective 114977 Use a spreadsheet package to produce and manage business documents 3 3
elective 114975 Use a web browser in a business environment 3 3
elective 114978 Use a word processing package to produce business documents 3 3
elective 119904 analyse the impact of weather events on selected regions 4 6
elective 120130 apply basic technical knowledge of a light motor vehicle to authorise a claim 4 3
elective 120126
apply basic technical knowledge of a vehicle to authorise a heavy motor
vehicle claim
4 5
elective 12154 apply comprehension skills to engage oral texts in a business environment 4 5
elective 12155 apply comprehension skills to engage written texts in a business environment 4 5
elective 117121
elective 117149
apply knowledge and insight into the Short term insurance act (no 53 of
1998) and the accompanying regulations
apply knowledge and insight into the statutory cover afforded under the
Compensation for occupational injuries and
Diseases act, 130 of 1993, as amended (CoiDa)
4 3
4 3
elective 120022 apply knowledge and understanding of personal accident insurance 4 2
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elective 120016 apply knowledge insurance of household contents 4 4
elective 120109 apply knowledge of agricultural crop insurance 4 3
elective 120120 apply knowledge of business interruption insurance 4 3
elective 120020
apply knowledge of insurance to the transportation of a consignment of
goods
4 3
elective 120011 apply knowledge of personal all risks insurance 4 2
elective 120132 apply knowledge of personal liability insurance 4 3
elective 120125 apply knowledge of public liability insurance 4 3
elective 120136 apply knowledge of Short term insurance to reinsurance 4 5
elective 120122
apply knowledge of Short term insurance to the all risks section of a
commercial policy
4 2
elective 114209 apply return on investment (roi) theory and practice to a business unit 4 6
elective 120116
elective 13949
apply technical knowledge and skill in order to underwrite professional
indemnity insurance
apply technical knowledge and skill to align business unit performance to
business goals
4 5
4 5
elective 120111 apply technical knowledge and skill to assess an aviation risk 4 6
elective 120138
elective 120119
apply technical knowledge and skill to determine the quantum and validity of a
domestic or light motor vehicle claim
4 5
ID UNIT STANDARD TITLE NQF LEVEL CREDITS
apply technical knowledge and skill to determine the quantum and validity of
an industrial or heavy vehicle claim
4 10
elective 120115 apply technical knowledge and understanding of business insurance 4 10
elective 120135 apply technical knowledge and understanding of business motor insurance 4 5
elective 120134 apply technical knowledge and understanding of Contract Works insurance 4 4
elective 120114
elective 120108
elective 120113
elective 120117
apply technical knowledge and understanding of fidelity insurance as a means
of managing people related financial risk
apply technical knowledge and understanding of insurance in the event of
machinery breakdown
apply technical knowledge and understanding of the insurance of timber
plantations
apply technical knowledge and understanding of the insurance of wild life,
livestock and other animals
4 3
4 3
4 3
4 5
elective 13941 apply the budget function in a business unit 4 5
elective 13953 apply the principles of situational leadership to a business unit 4 5
elective 117129
elective 13942
elective 120006
apply the regulations for disclosure that are required as part of the financial
sales process
Demonstrate a basic understanding of the role of a business strategy in
managing a small business or a business unit
Demonstrate knowledge and application of aviation legislation that impacts on
insurance
4 2
4 5
4 3
elective 120018 Demonstrate knowledge and application of Sectional title insurance 4 3
elective 119682
elective 12164
elective 120137
Demonstrate knowledge and application of the value added tax (vat) act
89 of 1991 as amended as it applies to insurance policies
Demonstrate knowledge and insight of the Financial advisory and
intermediary Services act (FaiS) (act 37 of 2002)
Demonstrate knowledge and skill in order to assess a
non-motor claim
4 2
4 2
4 3
elective 14984 Demonstrate knowledge and understanding of engineering insurance 4 5
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

elective 120129
Demonstrate knowledge and understanding of financial interactions of
insurers, underwriting managers and intermediaries in short term insurance
4 2
elective 120015 Demonstrate knowledge and understanding of house owners insurance 4 3
elective 120008 Demonstrate knowledge and understanding of the insurance of pleasure craft 4 3
elective 120026
elective 120112
elective 120013
elective 120012
elective 120023
Demonstrate knowledge and understanding of the road ordinance as it
applies to motor insurance
Demonstrate knowledge and understanding of the sales process in Short
term insurance
Demonstrate knowledge and understanding of the scope of transportation
insurance
4 2
4 3
4 3
ID UNIT STANDARD TITLE NQF LEVEL CREDITS
Demonstrate knowledge and understanding of the scope of travel insurance
in South africa
Demonstrate knowledge and understanding of the standard in insurance
cover in terms of naSria
4 2
4 2
elective 120009 Demonstrate knowledge and understanding of transportation insurance 4 3
elective 120014 Demonstrate knowledge and understanding of warranty as a class of insurance 4 3
elective 113903
Demonstrate skills and techniques required to build a relationship with a client
in a financial services environment
4 3
elective 117241 Develop a business plan for a small business 4 5
elective 113923 explain fiduciary responsibilities and the associated risks 4 1
elective 113928
explain the application of the promotion of access to information act, 2 of
2002 and the electronic transactions and Communications act, 25 of 2002,
in Wealth management
4 2
elective 119909 explain the implications of climate change for an economic sector 4 6
elective 117155
explain the scope of the Compensation for occupational injuries and
Diseases act 130 of 1993 (CoiDa)
elective 119899 explain trade in a global economy 4 3
elective 14319
explore strategies to retain or expand existing business in the insurance/
investment industry
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
4
2
4 3
elective 118005 investigate quality and control mechanisms in a business unit 4 2
elective 117244
investigate the possibilities of establishing and running a small business
enterprise (Smme)
4 3
elective 120131 manage the risk in an agricultural entity 4 3
elective 114215
mentor a colleague to enhance the individual`s knowledge, skills, values and
attitudes in a selected career path
4 3
elective 13947 motivate a team 4 6
elective 120123 process a short term insurance claim 4 3
elective 120133 produce photographic evidence of a collision 4 3
elective 120110 Underwrite a standard risk in short term commercial insurance 4 10
elective 120118 Underwrite a standard risk in short term personal insurance 4 6
elective 113912 Use an electronic system to propose a financial solution 4 3
elective 12153
Use the writing process to compose texts required in the business
environment
4 5
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LEERDER SE KAART
SPP2
INHOUD & FORMATIEWE
EVALUASIE
(KLASKAMER)
FORMATIEWE ASSESSERING (60%)
• Werksopdrag
SUMMATIEWE
ASSESSERING (40%)
Kennistoets
• Beoordeling: prior learning centre
• Interne moderasie: prior learning centre (25% van alle beoordelings)
• Verifikasie: inseta (10% van alle beoordelings)
terwyl die summatiewe beoordelings nagesien word, sal ’n voorlopige brief aan
leerders gestuur word met betrekking tot die uitkoms van hul beoordelings.
neem asseblief kennis dat hierdie uitkomste gedurende die interne moderasie- en
verifikasieprosesse omgekeer mag word.
Die Amptelike verklaring van krediete sal aan alle leerders uitgereik
word - IPT
’n Finale brief en verklaring van resultate sal aan die leerders gestuur word.
Die ipt sal die krediete aanbring.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

DIE FASILITEERDER SE ROL
1. Die fasiliteerder ontvang die nominasie vir opleiding van Bedryf.
2. Die fasiliteerder skeduleer die opleiding.
3. Die fasiliteerder reël die lokale.
4. Die fasiliteerder doen die geskeduleerde opleiding.
5.
6.
7.
8.
* Verduidelik al die aspekte van die NKR (NQF)
* Fasiliteer verskeie kursusse wat krediete behels
* Verduidelik die beoordelingsprosedure
* Doen en die afteken van formatiewe evaluasies in klaskamers
Die fasiliteerder sal die betrokke werkopdragte (summatiewe beoordelings) uitdeel en die inhandigingsdatums
vasmaak.
Die fasiliteerder sal gedurende die kennistoetse die rol van toesighouer vervul.
Die fasiliteerder sal verantwoordelik wees vir die stuur van beoordelings na die The Institute of Performance
Technology
Die fasiliteerder sal die interne databasis bywerk.
NB. Die fasiliteerder kan gedurende die voltooiing van die werkopdrag leiding aan die leerder gee, maar word nie
toegelaat om enige voor die hand liggende antwoorde te gee nie. Fasiliteerders wat hulle daaraan skuldig maak
om leerders regstreeks te help, of wat modelantwoorde aan leerders verskaf, sal ’n dissiplinêre verhoor in die
gesig staar.
ASSESSOR, MODERATOR & VERIFIEERDER (ROL VAN DIE EKSTERNE
MODERATOR)
Assessor:
•
•
•
•
Beoordeel die portefeulje teen die vereistes van die eenheidstandaarde soos vervat in die program.
Gebruik Santam se memorandum as ‘n riglyn om punte toe te ken.
Sal ’n voorlopige evaluasie van bevoeg of nog nie bevoeg verskaf.
Moet die assessor se gedragskode en SAQA se beoordelingsbeginsels nakom.
Assessorbestuurder (IPT):
•
•
•
Sal aandag gee aan elke appèlsaak wat by IPT aanhandig gemaak word
Sal alle ongerymdhede ondersoek en die portefeulje modereer of na ‘n ander interne moderator verwys vir ‘n
tweede opinie.
Kan ook die rol van die moderator vervul en kan enige besluit deur ‘n assessor of enige interne moderator omkeer
Moderator:
•
•
•
Modereer ‘n steekproef van portefeuljes van elke assessor om te kyk of dit konsekwent is en of die leerders aan ’n
regverdige beoordelingsproses blootgestel is.
Kan die besluite van die assessors omkeer.
Sal ook enige ongerymdheid soos deur ‘n assessor waargeneem gedurende die assesseringsproses, modereer soos
byvoorbeeld waar ‘n leerder nie haar/sy eie werk ingehandig het nie.
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Eksterne moderator/verifieerder:
•
•
Bevestig of die opleidingsverskaffers behoorlike beoordelingsbeginsels en –prosesse nakom.
Sal die leerder se resultate verifieer en toestemming gee vir die uitreiking van krediete. Kan die besluite van interne
moderators en assessors omkeer
TERMINOLOGIE
Die volgende nuwe terminologie sal in hierdie kursusse en gedurende die evaluasieprosedure gebruik word:
OU TERMINOLOGIE NUWE TERMINOLOGIE
Dosent/opleier (klaskamer vir inleiding & beginsels van versekring) Fasiliteerder
eksaminator (klaskamer vir formatiewe evaluasies (gevallestudies) met
verwysing na inleiding & beginsels van versekering)
Fasiliteerder (wie ook ’n geregistreerde assessor is)
eksaminator (the institute of performance technology) assessor (the institute of performance technology)
eksamen
leerplan (sillabus) eenheidstandaarde
Formatiewe evaluasie (klaskamer)
Summatiewe evaluasie (werkopdrag & kennistoets)
Slaag of druip bevoeg / nog nie bevoeg
oorskryf remediëring
Voor ons verder gaan, kom ons bespreek eers die verskillende terminologie wat ons hoofsaaklik gedurende die
evaluasieproses gebruik.
NB. Slegs terminologie met ’n (*) is van toepassing op hierdie kursus en evaluasiemetodes.
BEOORDELING(*)
BEOORDELINGSKRITERIA (*)
BEOORDELINGSPLAN
AKSIEPLAN
’n proses waarin gegewens van prestasie ingesamel word en volgens ooreengekome
kriteria geëvalueer word..
Dit behels die soort en gehalte van die prestasie van die kandidaat wat beoordeel gaan
word.
’n Gebeurtenisplan vir alle kwessies wat betref die werklike beoordeling wat ’n leerder
moet ondergaan.
’n plan wat meer besonderhede gee oor die aksies wat ’n kandidaat moet uitvoer om
gegewens bymekaar te maak vir die proses om erkenning van voorafgaande suksesse
(rpl) te geniet.
KANDIDAAT (*) Die persoon wie se prestasie deur die assessor beoordeel word.
BEVOEGDHEID (*)
Die bewys van kennis, vaardighede en begrip wat benodig word om ’n stel nasionale
standaarde te bereik.
REGSTREEKSE GEGEWENS Gegewens oor die kandidaat wat deur die kandidaat ingehandig word.
VASGELEGDE KENNIS Die kennis wat benodig word om ’n opdrag of reeks opdragte uit te rig.
EKSTERNE VERIFIEERDER (*)
TERUGVOER (*)
ONREGSTREEKSE GEGEWENS
’n persoon wat gekwalifiseer is om die besluite wat deur assessors, moderators en ’n
leersentrum geneem is, na te gaan.
inligting oor ’n persoon se prestasie wat vir die luisteraar in bruikbare komponente
opgebreek is.
Gegewens oor die kandidaat wat ’n doelwitkwalifikasie wil behaal, soos aangebied deur
ander mense.
LEERDER (*) Die persoon wat ’n doelwiteenheid of kwalifikasie wil behaal.
MODERATOR (*) ’n Gekwalifiseerde persoon wat die beoordelingsbesluit(e) van die assessor modereer.
NASIONALE KWALIFIKASIE (*) ’n nasionale erkende kwalifikasie wat bestaan uit eenheidstandaarde.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

NASIONALE STANDAARD (*) Die vlak van bevoegdheid wat vereis word vir ’n nasionale kwalifikasie.
UITKOMS (*) Die verwagte meetbare prestasie in ’n gegewe opdrag of reeks opdragte.
PRESTASIE
PORTEFEULjE VAN GEGEWENS(*)
DIE ERKENNING VAN
VOORAFGAANDE KENNIS (RPL)
EENHEIDSTANDAARD (*) ’n leersegment binne ’n kwalifikasie.
UITKOMSGEBASEERDE BEOORDELING
Die wese van uitkomsgebaseerde beoordelings behels dat:
•
•
•
•
Die beoordeling ’n deurlopende proses is.
Sluit in vaardighede, kennis, begrip en houdings, en die vermoë om hierdie na nuwe situasies oor
te dra.
al die gegewens van ’n doelwiteenheid of kwalifikasie wat saamgevoeg is om ’n gestruktureerde
en gedetailleerde verslag van bevoegdheid te vorm.
Die proses wat vir alle leerders beskikbaar is, wat behels dat hulle historiese gegewens kan
aanbied om vir ’n kwalifikasie erkenning te kry.
Leerders gedurende die leerprogram volgens verskeie stelle kriteria beoordeel word.
Leerders die geleentheid kry om verdere gegewens te verskaf om suksesse of uitkomste te bewys.
Die moderasie konsekwentheid in die deurlopende beoordeling verseker.
Die beoordelingsproses beskou word as deel van die leerproses en nie ’n doel op sigself nie
REGTE VAN LEERDERS
1. Spesiale behoeftes van leerders moet geïdentifiseer en die assesseringsmiddels moet dienooreenkomstig aangepas word.
Dit kan die volgende insluit:
* Fisiese gestremdhede; en
* Fisiologiese gestremdhede soos swak gehoor of sig.
2. Toepassing van die NKR-beleidsrigtings en assesseringsbeginsels.
3. Geloofwaardige insameling van bewyse.
4. Gebruik van verskeie assesseringsmiddels.
5. Assesseringspraktyke wat soos volg is:
* Geldig
* Geloofwaardig
* Konstant
* Genoegsaam
* Aktueel
6. Regverdige moderering- en stawingprosedures.
7. Leerders moet toegang hê tot ‘n appèlprosedure.
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THE INSTITUTE OF PERFORMANCE TECHNOLOGY SE APPÈLPROSEDURE
Appèlle
Die assesseringsproses verseker dat die appèlprosedure in plek is, d.i. ’n appèl teen ’n assesseringsbesluit. Leerders moet
seker wees dat hulle teen ’n onbillike assessering appelleer. Die verskaffer moet ’n appèlprosedure instel wat met die
vereistes van INSQA ooreenstem.
Appèl kan aangeteken word teen:
•
•
•
•
•
•
•
•
•
•
•
•
Onbillike assesserings
Ongeldige assesserings
Ongeloofwaardige assesserings
Die assessor se beslissing word as bevooroordeeld beskou
Onvoldoende kundigheid en ervaring van die assessor of as dit die assessering beïnvloed het
Onetiese praktyke
Skryf aan Die Assessorsbestuurder: Appèlle, Posbus 6050, Rivonia, 2128
Voltooi die aangehegte Appèlvorm. Die appèl kos R350, maar jy sal dit terugkry as die assesseringsbesluit gewysig
word.
Jy moet binne sewe dae nadat jy jou portefeulje van die assessor terug gekry het, appèl aanteken.
Verduidelik jou appèl aan die assessor – hy of sy sal die besluit in die lig van jou appèl hersien en sal aan jou meer
terugvoering gee. As jy steeds nie gelukkig met die uitslag is nie, sê dit aan jou assessor. Jy sal gevra word om jou
POE terug te gee.
Jou assessor sal jou appèl aan die assessorsbestuurder oordra, wat dit met die moderator sal bespreek. Die
moderator, assessorsbestuurders en een ander onafhanklike assessor sal jou POE hersien.
Jy sal die uitslag van jou appèl binne 14 dae vandat dit by die assessorsbestuurder ingedien is, skriftelik ontvang.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

APPÈLVORM
Aan: Die Assessorsbestuurder
Adres: Posbus, Rivonia, 2128
Ek wil appelleer teen die besluit oor my RPL-assessering. My besonderhede is soos volg:
Naam
ID
Streek
Naam van Santam-opleier
Besonderhede van vaardigheidsprogram
Die redes waarom ek van die assessor verskil
Kandidaat se handtekening
VIR KANTOORGEBRUIK – FASE 1:
Assessor gekontak deur/datum
Datum van assessor se hersieningsvergadering met
kandidaat en uitslag van vergadering
Assessor se rede om besluit te verander/nie te verander
nie
Assessor se handtekening
VIR KANTOORGEBRUIK – FASE 2:
Portefeulje weer by Prior Learning-sentrum ingedien op
Datum van assessorsbestuurder/moderator en
onafhanklike assessor se hersieningvergadering en
uitslag van vergadering
Assessor bestuurder se rede waarom hy besluit
verander/nie verander nie
Skriftelike terugvoer aan kandidaat/datum gegee
Bespreking met kandidaat/datum
Assessorsbestuurder se handtekening
Moderator se handtekening
Onafhanklike assessor se handtekening
Bykomende inligting:
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BEKWAAMHEIDSPROGRAM
Ná bywoning van die volgende kursusse, wat deel vorm van die Santam Persoonlike kursusreeks, en die suksesvolle
assessering daarvan, kwalifiseer die leerder vir 30 krediete op Nasionale Kwalifikasie Raamwerk (NQF) Vlak 4 teenoor die
gelyste eenheidstandaarde.
Die Eenheidstandaard vir SPP2 is geneem van die FETC korttermynversekering.
VAARDIGHEIDSPROGRAMME
•
•
•
•
•
•
•
•
•
•
•
•
Huisinhoud
Allerisiko’s
Geboue
Voertuie
Watervaartuie
Persoonlike regsaanspreeklikheid
Uitgebreide persoonlike regsaanspreeklikheid
Regskostes en Regsuitgawes
Persoonlike ongevalle
Sterftevoordeelplan
Hospitaalvoordeelplan
Polis vir Multi-Risiko’s
EENHEIDSTANDAARDE
Jy het 30 dae tyd om hierdie projek te voltooi. Na voltooiing van hierdie projek sal jy eers summatief geëvalueer word om
vir 30 krediete van die volgende Eenheidstandaarde te kwalifiseer.
EENHEIDSTANDAARDE KREDIETE KLASSIFIKASIE VLAK EENHEIDNOMMER
Demonstrate knowledge and understanding of personal
motor insurance
Demonstrate knowledge and understanding of pleasure
craft
4 kern 4 120005
3 verkiesend 4 120008
apply knowledge of personal all risk insurance 2 verkiesend 4 120011
Demonstrate knowledge and understanding of house
owners insurance
3 verkiesend 4 120015
apply knowledge insurance of household contents 4 verkiesend 4 120016
Underwrite a standard risk in short term personal
insurance
apply knowledge of personal liability
insurance
apply technical knowledge and
understanding of the cover provided under a Short term
multi-peril insurance policy
6 verkiesend 4 120118
3 verkiesend 4 120132
5 verkiesend 4 120121
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

UNIT STANDARDS
Unit standard title: Demonstrate knowledge and understanding of personal motor insurance
Unit standard number: 120005
NO. OUTCOME ASSESSMENT CRITERIA
So1 explain motor insurance
aC1
types of vehicles that can be insured under a personal motor policy are
indicated with reference to the maximum mass and use of the vehicle.
aC2 a selected policy wording is analysed to determine the cover.
aC3
aC4
aC5
aC6
aC7
Different types of use covered by motor insurance are explained with
reference to the license required for each
the difference between a no claim bonus and a cash back bonus is explained
with examples.
the effect of age and driving experience on a personal motor premium is
explained with reference to discounts, loading and first amounts payable for
five case studies.
the consequences of misrepresentation or non-disclosure on premium are
explained with reference to rating area, principal driver, use of a vehicle and the
place where a vehicle is kept at night.
the concept of territorial limits is explained with reference to the affect on
cover
aC8 two different policies are compared in terms of cover.
So2
explain liability with regards to personal motor
insurance.
aC1 the concept of liability is explained as it applies to motor insurance.
aC2
aC3
So3
aC1
aC2
aC3
So4
Describe the additional benefits available under
comprehensive cover.
explain additional cover that can be purchased
to supplement comprehensive cover.
a policy document is analysed to determine the cover provided under liability
insurance.
a policy document is analysed to determine factors that could affect the limit
of indemnity and an indication is given of possible extended liability cover.
a policy document is analysed to determine standard and optional additional
benefits that are available under comprehensive insurance.
the cover provided by two different insurers is compared in terms of
additional benefits.
an insurance proposal, policy document and policy schedule are analysed to
determine factors influencing rating.
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NO. OUTCOME ASSESSMENT CRITERIA
aC1 Shortfall cover is explained with examples.
aC2
aC3
So5
aC1
aC2
aC3
aC4
aC5
explain how a vehicle is valued for insurance
purposes.
Cover in the event of unintentional violation of a policy condition is
investigated for two different insurers.
optional add-on cover for motor vehicles is investigated for two different
insurers.
Different ways of determining the value of a vehicle are explained with
examples.
the difference between trade, retail, market, insured and settlement value is
explained with examples.
the of a vehicle is explained in order to guide the client to determine the right
value for insurance purposes.
additional items that should be insured with a vehicle are identified for three
case studies.
the consequences of giving incorrect advice are explained in terms of FaiS,
policyholder protection rules and professional indemnity.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Unit standard title: Demonstrate knowledge and understanding of pleasure craft
Unit standard number: 120008
NO. OUTCOME ASSESSMENT CRITERIA
So1 explain basic cover in a pleasure craft policy.
aC1
the type of craft insured under a pleasure craft policy are named with
examples.
aC2 the effect of the use of the craft is explained with examples.
aC3
aC4
the type of cover offered with pleasure craft insurance is named and an
indication is given of the risks that are covered with reference to a specific
policy.
reasons why certain insured perils are excluded from a policy are explained
using case studies.
aC5 the standard limit of liability is identified for a specific policy.
So2
aC1
explain extensions to and exclusions from cover
in a pleasure craft policy.
the additional equipment carried on two different types of pleasure craft
with reference to extensions that would be required for inland and sea going
vessels.
aC2 possible extensions to cover are investigated for three different insurers.
aC3
aC4
NO. OUTCOME ASSESSMENT CRITERIA
aC5
aC6
So3 assess the risk associated with pleasure craft.
aC1
aC2
aC3
So4 explain liability related to pleasure craft.
aC1
aC2
aC3
aC4
a policy document is analysed, implied terms are identified and an indication
is given of the implications of the implied terms to the policy.
Standard exclusions are identified in a specific policy and an indication is given
as to which exclusions could possibly be covered as an extension under
negotiated circumstances.
the SaSria cover for pleasure craft is explained with reference to territorial
limits.
additional cover required outside of South africa`s territorial limits is
presented as an option to the client.
the criteria used to assess the risk on pleasure craft are explained with
reference to use of vessel, experience of crew, other users, type of craft,
geographical limits, age of vessel, seaworthiness of the craft, security and
storage.
the effect of type of construction is explained with reference to premium
and cover.
pleasure craft regarded as a high risk are named and reasons why they are
regarded as a high risk are explained using two case studies.
Cover required for water skiers is explained with reference to third party and
passenger liability.
the insurance of trailers is explained with reference to the trailer`s liability
policy and the watercraft liability policy.
the parties covered by third party and liability are compared for a specific
insurer.
the process to be followed in submitting a liability claim is explained for a
specific insurer.
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Unit standard title: Apply knowledge of personal all risk insurance
Unit standard number: 120011
NO. OUTCOME ASSESSMENT CRITERIA
So1 explain personal all risks insurance.
aC1 the concept of personal effects is explained with examples.
aC2
aC3
the events covered by an all risks policy are identified with reference to the
value of the items covered in each event.
Situations where it is advantageous to have an all risks
insurance as well as household contents insurance are explained with
examples.
aC4 territorial limits on an all risks policy are explained with examples.
aC5
So2
aC1
aC2
Differentiate between specified and
unspecified all risks
no. outcome assessment criteria
aC3
aC4
aC5
So3
aC1
analyse the cover in a personal all risks policy
document.
the underwriting criteria in respect of high value items are
explained with reference to the requirements of a specific insurer.
the concept of a specified or unspecified risk is explained as it applies in an all
risks policy.
the differences between the sum insured and limited liability are explained
with examples.
limit of liability is explained for specified and unspecified all risks in three
different policy schedules.
reasons why valuation certificates or proof of purchase are required in the
event of a claim are explained with reference to the type of risk and fraud.
the consequences of giving incorrect advice are explained in terms of
policyholder protection legislation, FaiS and professional indemnity.
a policy document is analysed to determine the terms and conditions of the
policy.
aC2 all risks cover for laptops and cell phones are explained for a specific insurer.
aC3
aC4
a policy document is analysed to determine exclusions common to specified
and unspecified sections.
limitations on cover of items stored in a bank vault are explained with
reference to a specific policy document.
aC5 a policy document is analysed to determine additional cover
So4 explain indemnity under an all risks policy
aC1 the basis of indemnity is explained for a specified all risks policy.
aC2
the limit of indemnity in a specified all risks policy is explained for three case
studies.
aC3 the cover under the pairs and sets clause is explained for three case studies.
aC4
the locked boot warranty in a specified policy wording is explained in terms
of exclusions.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Unit standard title: Demonstrate knowledge and understanding of house owners insurance
Unit standard number: 120015
NO. OUTCOME ASSESSMENT CRITERIA
So1
aC1
aC2
aC3
aC4
So2
aC1
Describe the cover provided under house
owners insurance.
explain extensions, exclusions and optional
covers in household buildings insurance.
NO. OUTCOME ASSESSMENT CRITERIA
aC2
So3
analyse a policy wording and schedule to
determine cover.
the concepts of the insured and insured property is explained with examples
from a household buildings policy.
the three main events insured under household buildings insurance are
explained with examples.
the difference between cover provided under household contents and house
owners insurance is explained for a specific insurer.
a policy document is analysed and an indication is given of the insured events
in a household buildings insurance policy.
the concept of landslip and subsidence is explained and an indication is given
of the implications if it is not included in a policy schedule.
the difference between the standard SaSria cover and war exclusion under
the household buildings policy is explained with examples.
aC1 a policy wording is analysed to determine terms and conditions.
aC2
So4
aC1
aC2
aC3
apply underwriting criteria in a household
buildings insurance policy.
a policy schedule is analysed to determine endorsements and amount of
cover.
the underwriting criteria applied a household buildings policy are explained
and an indication is given of how each can affect the risk
the concept of average is applied to household buildings insurance claim for
two different scenarios.
the consequences of giving incorrect advice are explained in terms of FaiS,
policyholder protection rules and professional indemnity.
aC4 the relationship between excess and premium is explained with examples
So5 explain personal liability insurance.
aC1
aC2
aC3
aC4
the concept of personal liability is explained with examples of cover under a
household buildings policy.
the cover provided under a personal/personal policy is indicated from a
specific policy.
exclusions under a personal liability personal policy are analysed from a policy
document.
the difference between property owners and tenants liability is explained as
it applies to personal liability
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Unit standard title: Apply knowledge insurance of household contents
Unit standard number: 120016
NO. OUTCOME ASSESSMENT CRITERIA
So1
Describe the cover provided under household
contents insurance.
aC1 the concepts of the insured and insured property is explained with examples.
aC2 a policy document is analysed in order to determine the insured events.
aC3
aC4
NO. OUTCOME ASSESSMENT CRITERIA
aC5
the concept of accidental damage as opposed to accidental breakage in
household contents insurance is explained with examples.
the exclusions in a listed perils policy wording are compared to the exclusions
in an all risks policy wording.
the limitation on cover for computers provided under household contents
insurance is explained with reference to a specific policy.
aC6 the two bases of indemnity are explained with examples.
So2
aC1
explain extensions, exclusions and optional
covers in household contents insurance.
optional covers that can be added to or excluded from a household contents
insurance policy are indicated with
examples.
aC2 a policy document is analysed to determine the extensions and exclusions.
aC3 two different policies are compared in terms of cover.
aC4
So3
aC1
aC2
aC3
aC4
aC5
aC6
So4
aC1
aC2
indicate the limitations to standard household
contents insurance cover as opposed to
specified and unspecified all risks cover.
apply underwriting criteria in a household
contents insurance policy
So5 explain personal liability insurance.
aC1
the concept of territorial limits in household contents insurance is explained
with reference to permanent and temporary residence and an indication is
given of how this applies in a listed perils policy
the difference between accidental damage and breakage covered under
household contents and all risks insurance is explained with reference to the
best type of cover for valuable goods.
the limits on collectibles in a specific policy are identified and an indication is
given as to the best insurance for these items.
the cover on household goods in transit is explained with reference to a
specific policy.
the needs of a specific client and the limitations of a specific household
contents insurance policy are analysed and suggestions are made for additional
cover to meet the needs in the client`s circumstances.
a policy document is analysed to determine factors that could affect the limit
of indemnity and an indication is given of possible extended liability cover.
the consequences of giving incorrect advice are explained in terms of FaiS,
policyholder protection rules and professional indemnity.
the underwriting criteria applied to household contents insurance are
explained with examples.
the concept of average is applied to a household contents and a household
buildings insurance claim for two different scenarios.
the concept of personal liability is explained with examples of cover under a
standard policy.
aC2 a policy document is analysed to determine liability cover.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

NO. OUTCOME ASSESSMENT CRITERIA
aC3
aC4
exclusions under a personal liability policy are analysed from a policy
document.
Unit standard title: Underwrite a standard risk in short term personal insurance
Unit standard number: 120118
NO. OUTCOME ASSESSMENT CRITERIA
So1
investigate the circumstances of the
proposer.
the difference between property owners and tenant`s liability is explained as
it applies to personal liability
aC1 the concept of the insured is explained with reference to items to be insured.
aC2 the concept of a risk is explained with examples.
aC3
aC4
aC5
aC6
So2
aC1
aC2
aC3
aC4
So3
analyse the assets and liabilities of a
personal proposal.
investigate the loss and claims history of a
proposer.
the criteria used to underwrite a personal risk are explained with reference to
how each could influence the risk.
a proposal is analysed and elements that could indicate a higher than usual risk are
identified and investigated further.
the basic purpose of underwriting risk is explained with particular reference to
short term personal insurance.
the use of a central database in investigating the loss history of a proposer is
explained and an indication is given of when such a data base is used by an insurer.
the concept of subject matter of insurance is explained with reference to a
personal proposal.
the concept of insurable interest and indemnity is explained with reference to the
relationship between the proposer and the subject matter.
Six different personal assets are identified and reasons are given as to why each
would be classified as a high, medium or low risk for the insured and the insurer.
potential business risks in a personal proposal are identified and investigated to
determine acceptability under a personal policy.
aC1 the information on the proposal form is verified from an appropriate source.
aC2
aC3
NO. OUTCOME ASSESSMENT CRITERIA
So4
aC1
aC2
aC3
make an underwriting decision for a short
term personal standard risk.
information relating to previous insurance loss history requested and corrective
measures taken to reduce risk are ascertained from the proposer.
the financial implications of the size and frequency of previous losses are
ascertained and an indication is given of the previous claims trend and the
preferred risk when faced with a low frequency high risk or high frequency low
risk.
all the relevant information gathered is analysed and used to determine whether
to accept or decline the proposal.
Factors that warrant a loading or reduction are identified in terms of reducing
perils, applying deductions, excesses and physical protection of assets.
the premiums, terms and conditions applicable to a policy are determined and
presented in a quotation.
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Unit standard title: Apply knowledge of personal liability insurance
Unit standard number: 120132
NO. OUTCOME ASSESSMENT CRITERIA
So1 explain liability as a personal responsibility.
aC1
aC2
So2
explain why people need personal liability
insurance
the individual’s duty of care to fellow human beings is discussed with reference to
common law, the South african Constitution and other legislation.
instances where a person may be held legally liable are identified for different
scenarios.
aC1 Different scenarios are analysed to determine contractual or delictual liability.
aC2 the parties liable under delictual responsibility are explained with examples.
aC3 the parties liable under contractual responsibility are explained with examples.
aC4
So3
aC1
aC2
So4
aC1
aC2
aC3
investigate the personal liability cover in
different policies.
analyse the cover in a personal liability
policy.
Ways in which an individual can manage personal liability risks are explained with
examples
liability covered under the different classes of personal
insurance is analysed with reference to extent of cover for each class and any
relevant legislation.
events not covered as part of other insurance cover or
legislation are identified with examples.
a personal liability policy document and schedule are analysed to determine the
cover.
exclusions in the policy are analysed and an indication is given of why an insurer
expressly excludes some perils or events.
possible extensions to a personal liability policy are explained and an indication is
given of when it is advisable to extend cover.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Unit standard title: Apply technical knowledge and understanding of the cover provided under a Short Term Mult-
Peril Insurance policy
Unit standard number: 120121
NO. OUTCOME ASSESSMENT CRITERIA
So1 explain why insurers market multi-peril policies
aC1
aC2
So2 analyse a multi-peril personal lines policy
reasons why insurers developed multi-peril short term products are
investigated with reference to an insurer’s marketing strategy and the clients
needs
the implications of multi-peril policies are identified in terms of cost factors to
a specific insurer and cost benefits for the client.
aC1 a specific policy document is analysed in terms of perils and cover.
aC2 a client’s specific needs are analysed and matched to specific cover.
aC3 the concept of personal lines insurance is explained with examples.
So3 analyse a multi-peril commercial lines policy.
aC1 a specific document is analysed in terms of perils and cover
aC2
the need for a combined commercial policy is explained with reference to
intermediaries, clients and insurers.
aC3 the concept of commercial or business insurance is explained with examples.
So4
aC1
aC2
aC3
Differentiate between multi-peril personal lines
and commercial lines policies
the cover under a multi-peril personal lines policy and a commercial lines
policy are compared in terms of similarities and differences.
the options of a multi-peril personal lines policy and a commercial lines policy
are explained with examples.
the implication of running a business from home are explained in terms of
personal and commercial cover.
aC4 liability cover is compared for personal and commercial insurance.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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54
LEERDER SE GIDS
Watter van die volgende aspekte is aan jou gebied?
ASPEKTE AANGEBIED: JA/NEE
voldoende inligting wat betref alle aspekte van die nkr (nQF)
leerder se kaart
’n opleidingshandleiding (ingesluit die gevallestudies) (FormatieWe evalUaSie)
Die ondertekening van die verklaring deur die leerder
Werkopdrag (60%) (FormatieWe evalUaSie)
Gedetailleerde instruksies oor waaruit die werkopdrag bestaan.
ingelig oor kennistoets (40%) (SUmmatieWe evalUerinG)
voldoende inligting wat betref die beoordelingsprosedure
appèlprosedure
beginsels van die beoordeling
Gehalte-kriteria van die beoordeling (vaCS)
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

ASSESSMENT CONTRACT
EJW Copy
Qualification: Santam personal lines (Spp) nQF level: 4 Credits: 30
Candidate’s name and Surname: Candidate’s iD number:
Facilitators name and Surname: Facilitators Contact details:
venue of pre-assessment meeting: Date received:
EJW Financial Services welcome you to the Assessment Process
This document serves to familiarize and prepare you in the assessment(s) that you are about to embark in. It is a map that
informs you of the steps involved in the assessment process and will allow you to prepare for your assessment(s), setting
you at ease, and give you a opportunity for success. Remember great and successful people are always learning!
STATEMENT/QUESTION YES/NO
Were you welcomed and made to feel at ease?
Were the purpose and objectives of the meeting explained?
Were the assessment process and principles of good assessment explained to
you? i.e. Fairness, validity, authenticity, Sufficiency, Currency and reliability
Were any special assessment needs or barriers identified, discussed and
eliminated?
Were the role and the responsibilities of the learner, assessor, moderator and
verifier been explained to you?
INITIAL AND MAKE ANY
COMMENTS IF YOU ANSWER NO
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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56
make sure that you prepare yourself thoroughly for the assessment to avoid re-assessment. Should you be reassessed you would be afforded
adequate opportunity to remediate.
You will be allowed one free remediation where after a fee of r114.00 per remediation will be charged for any further subsequent
remediation.
Should any remediation not be received within 60 days after you have received your result letter, you will be requested to re-attend the
programme or, your portfolio will be destroyed, should eJW not be able to contact you due to a change in contact details.
please do not hesitate to contact us should you have any queries regarding the assessment process.
eJW will SmS or e-mail you once your portfolio is received at their offices. thereafter you should receive a results letter within 30 days
subject to the volume of portfolios received from Santam.
please remember that your provisional results are subject to internal moderation and these results may be overturned by the moderator.
Should this happen a new results letter will be issued.
thereafter an inSeta verification will take place and only after they have approved the batch if results can a final statement of results be
issued. this process is a lengthy process and is outside of eJW’s control but eJW ensures you that they will attempt to finalise your results as
soon as possible.
Declaration of understanding (please indicate Yes or No)
i understand the importance of this meeting
i declare that the above mentioned points of the pre-assessment document were explained by the facilitator.
i declare that i have received copies of the Unit Standards, assessment plan, assessment schedule and copies
of the relevant policies and procedures pertaining to my assessment.
i was given the opportunity to clarify any issues relating to the assessment process and my assessment plan.
i have requested this assessment in accordance with my own free will and without duress.
i Have reaD tHe above anD UnDerStooD tHe ContentS tHereoF
Candidates Signature: Date:
assessor/Sme/Facilitator Signature: Date:
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

STATEMENT/QUESTION YES/NO
Were you informed of:
• Your rights,
• the appeals process
• re-assessment policies?
remember:
• You have the right to appeal against any judgement given as a result of any assessment. (You
must have valid reason for doing this)
• You have the right to a interpreter if you need one to perform this function. However if one
of the learning assumptions for the standard is that your are competent within the language of
assessment, you may not have an interpreter.
• You can ask that an impartial observer attend any assessment. this observer may not be
involved in any part of the assessment.
• if you do not agree with the assessment, you have the right to have your assessment internally
moderated.
• if you still do not agree with the result of the assessment you can ask that the etQa (education
and training Quality assurance) perform an external moderation on the assessment.
• if any verification upholds the assessment findings you will be held liable for all the costs of the
verifications.
• if any verification rules that you have been aggrieved as a result of the assessment, your provider
will be liable for all costs of verification
Was the importance of confidentiality in the process (assessment) explained?
• each assessment application
• the outcomes
• results and reviews will be treated as a confidential matter by the candidate, assessor and
moderator.
Were you provide with a copy of the assessment contract?
Were you informed of the various assessment instruments/tools to be used?
please take note of the following:
• no tipex allowed
• if assignments are typed you must sign the bottom of each page and supply your iD number at
the bottom as well.
• assignment must be complete in pen not in pencil
•
attach all the necessary documents as requested by facilitator
INITIAL AND MAKE
ANY COMMENTS IF
YOU ANSWER NO
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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LEARNER INFORMATION FORM
The information completed in this form is used to upload your records to the National Learner Record Database. Please
ensure that the information is correct and legible.
NB: Should any of your contact details change, please ensure that EJW is informed of this change so that we may be able
to contact you in the event of results letter notifications, etc.
Attach certified copies of certificates and qualifications and provide contactable references.
Surname:
Full names:
maiden name:
title (mr / mrs / ms / Dr):
Date of birth:
identification number:
other identification (if you do not have an iD):
(Driver’s license, temporary iD, birth Certificate, passport)
marital Status:
Gender: (male/Female)
population Group: (black/indian/Coloured/White)
Home address:
postal address:
province:
phone number(s):
Fax number:
e-mail address:
other languages:
employment Status: (employed or unemployed)
are you a Santam employee or a broker?
nature of Disability (if any):
(please provide medical confirmation of condition)
Highest School Qualification:
(indicate grade/standard)
please include certificates in your poe.
other Qualifications:
employment History:
references:
type of iD: number:
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
Home:
Work:
Cell:
Code:
Code:

PLAAS ’N GESERTIFISEERDE AFSKRIF VAN JOU
IDENTITEITSDOKUMENT HIER.
MAAK ASB. SEKER DAT DIT DUIDELIK IS EN
DAT DIE FOTO SIGBAAR IS.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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KONTROLELYS
Onthou die volgende punte:
ITEMS OM NA TE GAAN JA NEE AKSIE
maak seker dat die datum wat jy met jou
fasiliteerder gekontrakteer het om jou
voltooide werkopdrag in te dien, wel haalbaar
is. onthou dat jy in alle waarskynlikheid
dieselfde dag gevra sal word om die
kennistoets te skryf. Dit is ’n toeboektoets
en moet jy goed voorberei. onthou om jou
polisbewoording en ’n rekenmasjien (calculator)
saam te bring – dit sal jou baie kan help.
maak seker jy voltooi al die opdragte in die
werkopdrag. Dit is baie belangrik, want jy moet
elke module op ’n individuele grondslag slaag
(Slaagsyfer per module = 70%).
onthou dat die werkopdrag getik of in blou of
swart in geskryf moet word. opdragte wat in
potlood voltooi is, sal nie gemerk word nie.
Jy mag nie typex of enige ander
korreksievloeistof gebruik nie. trek eerder ’n
streep deur jou foute of doen dit oor.
onthou om die fasiliteerder of assessor in
kennis te stel van enige spesiale behoeftes wat
jy dalk onder sy/haar aandag wil bring.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

KURSUSINLEIDING
Hierdie uitkomsgebaseerde evaluasie is geskoei op die teoretiese opleiding soos vervat in SPP, wat jy reeds voltooi
het. Die volgende afdelings is dus van toepassing, asook ‘n addisionele module ten opsigte van Multi-Risiko’s dekking vir
korttermyn versekering.
•
•
•
•
•
•
•
Huisinhoud
Allerisiko’s
Geboue
Voertuie
Watervaartuie
Persoonlike Regsaanspreeklikheid
Korttermynversekeringsdekking onder ‘n polis vir Multi-Risiko’s.
Hierdie projek is op só ’n wyse saamgestel dat dit in lyn is met die NKR (NQF) se uitkomsgebaseerde beginsels. Dit is ’n
praktiese projek gemik op die toepassing van die teoretiese kennis wat jy reeds opgedoen het.
Die volgende aspekte gaan in hierdie projek by sommige van die risiko’s (gevallestudies) aangespreek word:
•
•
Mees algemene vrae wat deurgaans gevra word wanneer daar om versekering aansoek gedoen word;
Oorsig van perseel om die risiko te bepaal;
• Aansoekvorm met nodige onderskrywingsmaatreëls/aanbevelings (beskou vir alle praktiese doeleindes al die
risiko’s as aanvaarbaar).
Jy het 30 dae tyd om hierdie projek te voltooi. Ná die voltooiing van hierdie projek sal jy eers summatief geëvalueer word
(toeboektoets) om vir die 30 krediete van Eenheidstandaarde.
apply knowledge insurance of household insurance
explain personal all risks insurance
EENHEIDSTANDAARD NOMMER AANTAL KREDIETE
Demonstrate knowledge and understanding of house owners insurance
Demonstrate knowledge and understanding of personal motor insurance
Underwrite a standard risk in short-term personal/domestic insurance
Demonstrate knowledge and understanding of the insurance of pleasure craft
apply knowledge of personal liability insurance
apply technical knowledge and understanding of the cover provided under a Short term
multi-peril insurance policy
120016
120011
120015
120005
120118
120008
120132
120121
Aangesien daar van jou verwag word om hierdie projek self te voltooi, is daar aan die einde van die projek ’n verklaring wat
deur jou onderteken moet word.
Hulpmiddels ten opsigte van elke risiko (gevallestudie)
•
•
•
Kompakskyf met foto’s van elke risiko;
Grondplanne; en
Relevante inligting om ’n risiko te onderskryf.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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2
3
4
6
3
3
5
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DOELWIT
Jy gaan gedurende hierdie projek geëvalueer word deur:
•
•
•
•
Die beantwoording van die mees algemene vrae wat deurgaans gevra word wanneer daar om versekering aansoek
gedoen word;
Die evaluasie van basiese risiko’s;
Die beantwoording van vrae ten opsigte van die risiko’s/versekerde items; en
Die invul van ’n aansoekvorm, insluitende onderskrywingsmaatreëls.
AKSIEPLAN
1. afdeling Huisinhoud inhoud van ’n privaat woning
tydelike verblyf in ’n koshuis
tydelike verblyf in ’n gastehuis
bedryf van besigheid vanaf privaat woning
verandering van blyplek (woonstel)
2. afdeling allerisiko’s Dekking ingevolge die polis ten opsigte van verskeie items
3. afdeling Geboue privaat woning - dekking ingevolge polis
privaat woning - bepaal waarde van geboue
4. afdeling voertuie onderskrywing van verskillende soort voertuie
• privaatgebruik
• Sake-gebruik
• professionele gebruik
• voertuie van hoë en lae waarde
• voertuigaanspreeklikheid
5. afdeling Watervaartuie onderskrywing van verskillende soort watervaartuie
Watervaartuigaanspreeklikheid
6. vakansiehuis Huisinhoud- en geboueversekering
7. afdeling aanspreeklikheid persoonlike regsaanspreeklikheid
Hoewel elke afdeling afsonderlik aangespreek gaan word, gaan daar slegs een standaardrisiko bestaande uit
verskeie komponente deurgaans onderskryf word, naamlik dié van mnr. X
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

EVALUASIE VAN ASSESS-SPP2
Evaluasie van die opdragte van bogenoemde projek sal soos volg plaasvind:
Die opdragte bestaande uit direkte vrae en antwoorde:
Evaluasie ten opsigte van hierdie opdragte sal op ’n puntegrondslag gedoen word, soos aangedui teenoor elke vraag. Die
slaagsyfer wat betref hierdie opdragte is 70%.
Die opdragte bestaande uit die waarneming van relevante feite/inligting wat ’n wesentlike invloed op die
risiko’s kan hê en dienooreenkomstige voltooiing van aansoekvorms:
Evaluasie ten opsigte van hierdie opdragte sal op ’n bevoegdheidsgrondslag gedoen word. Die assessor verklaar die leerder
bevoeg indien hy/sy 70% van die relevante inligting kan versamel en die aansoekvorms dienooreenkomstig kan voltooi. Die
oordeel ten opsigte van bevoegdheid berus ten volle by die assessor, aangesien daar geen puntetoekenning soos in die geval
van die vrae is nie.
In albei gevalle soos bo uiteengesit, sal die leerder bevoeg verklaar word indien hy/sy 70% of meer behaal. Die
bevoegdheid sal soos volg op aangehegte evaluasiestaat aangedui word:
Bevoeg om die vrae te beantwoord, inligting in te win en aansoekvorm te voltooi:
Nie bevoeg om die vrae te beantwoord, inligting in te win en aansoekvorm te voltooi nie:
Die evaluasiestaat wat deur die assessor voltooi moet word, word ná Module 8 aangeheg.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
63

Toepaslike Eenheidstandaarde:
120006 Apply knowledge insurance of household contents
120118 Underwrite a standard risk in short term personal insurance
120121 Apply technical knowledge and understanding of the cover provided under a Short Term Multi-Peril Insurance
policy

MODULE 1:
ALGEMEEN EN HUISINHOUD
Ja. Dit ís ’n stoel.
En hierdie is versekering.
Eenvoudige, verstaanbare, duidelike versekering.

66
GEVALLESTUDIE
AFDELINGS
ALGEMEEN EN HUISINHOUD
MODULE INLEIDING
Mnr. X nader jou om sy huisinhoud te verseker. Hy beskik tans oor dekking vir die inhoud by ’n ander
versekeraar. Aangesien dit die eerste keer is dat hy versekering by Santam uitneem, wil hy eers meer weet oor die
onderskrywingsmaatreëls van die Santam se persoonlike polis.
Daar gaan ook van jou verwag word om ’n inspeksie/oorsig van die huis te doen, die nodige aantekeninge te maak oor jou
waarneming en dit te lys op ’n bylae wat aan jou voorsien gaan word.
Laastens sal daar van jou verwag word om die aansoekvorm te voltooi na aanleiding van die gegewens tot jou beskikking.
Die blootstelling wat jy kry as jy deur hierdie gevallestudie werk, sal aan jou die nodige kennis en selfvertroue gee vir
wanneer jy in die toekoms soortgelyke versoeke ontvang.
MODULE DOELWIT
Die doel van hierdie module is om jou kennis oor die volgende aspekte ten opsigte van Afdelings Algemeen en Huisinhoud
van die Santam se persoonlike polis te evalueer:
•
•
•
•
Die beantwoording van algemene onderskrywingsvrae ten opsigte van die Santam se persoonlike polis;
Risiko-evaluasie met nodige aanbevelings;
Die beantwoording van algemene vrae ten opsigte van die risiko’s/versekerde items; en
Die voltooiing van die aansoekvorm ten opsigte van Afdelings Algemeen en Huisinhoud van die Santam se
persoonlike polis.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

OPDRAG 1
Met jou besoek aan mnr. X verlang hy duidelikheid oor die volgende aspekte:
Motiveer jou antwoorde deurgaans met tersaaklike feite om ten einde te kan kwalifiseer vir maksimum toekenning van
punte soos aangetoon per vraag.
VRAAG 1
Mnr. X wil die premie van sy Santam se persoonlike polis maandeliks betaal en wil daarom weet of die premie vooruit of
terugwerkend betaalbaar is.
VRAAG 2
Die maatskappy wat hom tans verseker, staan korting van 15% op sy premie aan hom toe aangesien hy die afgelope vyf jaar
nog geen eise gehad het nie. Gaan hy ook by Santam vir korting kwalifiseer?
VRAAG 3
Mnr. X wil weet of sy premie met elke eis wat hy sou indien, gaan verhoog.
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VRAAG 4
Indien hy dalk sy polis sou wou kanselleer, hoe lank voor die tyd moet hy Santam daarvan verwittig?
VRAAG 5
Mnr. X wil weet of alle eise by die polisie aangemeld moet word.
VRAAG 6
Mnr. X stoor sy tuingereedskap in ’n houthuisie in sy agterplaas. Indien daar by hierdie houthuisie ingebreek word, sal
daar dekking vir die gereedskap wees ingevolge sy polis of moet die houthuisie spesiaal in sy poliskontrak gemeld word?
(Houthuisie nie op die foto’s sigbaar nie.)
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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2

VRAAG 7
Mnr. X meld dat sy oudste seun wat in George woon twee jaar terug by ’n bank begin werk het en dat hy in hierdie
stadium slegs ’n motor, klere en ’n baie duur gholfstel besit. Sy seun verlang slegs beperkte dekking vir sy motor en
allerisiko dekking vir sy klere en gholfstel. Kan mnr. X sy seun se besittings ingevolge sy polis verseker? Verduidelik
breedvoerig aan mnr. X wanneer daar aan so ’n versoek voldoen kan word.
VRAAG 8
Mnr. X wil ook weet of die versekerde bedrae ingevolge Afdeling Huisinhoud en Afdeling Geboue van sy polis outomaties
deur Santam aangepas word om voorsiening te maak vir inflasie en of dit sy verantwoordelikheid is om dit te doen.
VRAAG 9
Van die juweliersware wat hy vir sy vrou op huurkoop gekoop het, word ingevolge die juwelier se ooreenkoms met
hulle afsonderlik by XYZ Versekeraars verseker totdat dit afbetaal is. Mnr. X is baie skepties oor die dekking wat XYZ
Versekeraars bied en is van plan om die juweliersware ook ingevolge die Santam se persoonlike polis te verseker. Hy wil
graag weet wat gaan gebeur in geval van ’n eis. Hoe gaan skadeloosstelling plaasvind?
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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VRAAG 10
Mnr. X wil uiteraard maksimum korting op sy polispremie verdien. Hy wil graag weet ingevolge watter afdelings hy die
voordeel kan geniet van Santam se geeneisbonus-stelsel?
AFDELING GEENEISBONUS
Huisinhoud
allerisiko’s
Geboue
voertuie
Watervaartuie
persoonlike regsaanspreeklikheid
VRAAG 11
a.
b.
Beskryf wat jy sal doen indien mnr. X op sy aansoekvorm invul dat hy geen eise vir ’n sekere periode by sy huidige
en/of vorige versekeraars gehad het nie.
Beskryf wat jy sal doen indien mnr. X vir jou ’n bylaag van sy huidige versekeraar gee om as bewys te dien van sy
eisvrye status.
•
Die skedule dateer een maand terug.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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1

•
c.
Die skedule dateer nege maande terug.
Beskryf wat jy sal doen indien mnr. X jou van ’n beëdigde verklaring voorsien om as bewys te dien van sy eisvrye
status.
TOTAAL 26
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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OPDRAG 2
Bestudeer nou foto’s 17, 22 tot 34, 44, 45 en 47 op die kompakskyf asook die grondplan. Lys jou waarnemings en
aanbevelings. (Jou waarnemings moet objektief wees en so gestel word dat die assessor met evaluering kan aflei of jy sekere
aspekte rakende die risiko kon identifiseer en die nodige aanbevelings kon maak.)
Waarnemings
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Aanbevelings
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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GRONDPLAN VAN WOONHUIS
Swembad
Braai-area
Afdak Motorhuis
Swaaie
Woonhuis
Woonhuis
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

OPDRAG 3
Daar volg vrae ná die voltooide inventaris.
Motiveer jou antwoorde deurgaans met tersaaklike feite om ten einde te kan kwalifiseer vir maksimum toekenning van
punte soos aangetoon per vraag.
INVENTARIS
Volle naam: ………………………………....……….…
Posadres: …………………….…..………….……...
……………………………….……..…………..………
Polisnommer:
Gebruik hierdie inventaris om bestaande en nuwe
versekering te evalueer.
Merk asseblief die toepaslike blokkie met ‘n “X”
Die Huisinhoud – en Alle Risiko’s afdeling van die
Persoonlike polis stel u skadeloos teen
vervangingswaarde mits u bedrag verseker volgens
vervangingswaarde bepaal is.
Gebruik hierdie inventaris om die waarde in geheel vas
te stel.
U huishoudelike goedere en persoonlike besittings is
teen vandag se pryse ‘n fortuin werd.
Dit is werklik in u eie belang om langs hierdie weg seker
te maak dat u teen huidige nuwe pryse verseker is,
anders is dit nie moontlik om artikels ten tyde van ‘n eis
teen “nuut vir oud” – pryse te vervang nie.
Stel asseblief my versekering reg ooreenkomstig Ek het die evaluasie gemaak, maar verlang nogtans
ooreenkomstig hierdie vervangingsswaardes. geen regstelling nie.
Deel (A)
ALLE RISIKO’S VERSEKERING: Waardevolle artikels
Spesifiseer asseblief waardevolle artikels, soos bevoorbeeld televisiestelle, juweliersware, skilderye, kameras, projektors, vuurwapens,
ensovoorts (met uitsluiting van huishoudelike ameublement, waarvan die waarde meer as R1 000 is.
Heg asseblief hersiene waardasiesertifikate, of aankoopbewyse, ensovoorts ten opsigte van hierdie artikels aan, ‘n Lid van die
Juweliersraad van Suid-Afrika se waardasie word aanbeveel ten opsigte van juweliersware.
Belangrik: Artikels hieronder gespesifiseer, moet nie onder Deel (B) [Inhoudsversekering (Huisbewoners)] in berekening gebring word nie.
Michel Herbalin-dameshorlosie R 8 000,00
Rolex-manshorlosie R 25 000,00
Diamanthangertjie R 30 000,00
5 Goue armbande R 25 000,00
Tissot-dameshorlosie R 6 000,00
Wilson –gholfstel R 20 000,00
Bogenoemde juweliersware word slegs hier gelys as gevolg van die hoë waarde daarvan.
Die versekerde besit ook ander goedkoper juweliersware wat ingesluit is in die bedrae soos aangetoon op die inventaris.
Raadpleeg die opdragte om te bepaal waar/hoe dit verseker moet word.
TOTAAL
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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76
Deel (B)
INHOUDSVERSEKERING
Inhoud van die private woonhuis/woonstel en huishoudelike buitegeboue wat geleë is te
……………………………………………………………………………………………………………………………..
………………………………………………………………………………………………………….…………………………..……
Belangrik: Items wat onder Deel A – Allerisiko’s gespesifiseer moet onder Deel B buite rekening gelaat word.
1. SLAAPKAMERS Hoofslaapkamer 2 de Slaapkamer 3 de Slaapkamer 4 de Slaapkamer Totals
Gordyne R400 R500 R500 R R
Los matte R600 R R500 R R
Skilderye en ornamente R1 000 R400 R500 R R
Bed en matras R3 400 R1 500 R1 500 R R
Spieëltafel R1 400 R400 R R R
Bedkassies R R400 R R R
Los hangkaste R R R400 R R
Stoele R500 R300 R300 R R
Linnegoed, komberse end beddegoed R2 000 R600 R600 R R
Mansklerasie en - skoeisel R5 000 R R R R
Damesklerasie en - skoeisel R8 000 R R R R
Seunsklerasie en - skoeisel R R R3 000 R R
Dogtersklerasie en - skoeisel R R4 000 R R R
Haardroërs R200 R400 R R R
Elektriese haarrollers R R R R R
Elektriese krultang /warmborsel R400 R R R R
Grimeermiddels R500 R400 R R R
Elektriese skeermes R R R500 R R
Kinderwaentjie R R R R R
Prams/push-carts R R R R R
Babaklere -en skoeisel R R R R R
Speelgoed R R R R R
Totaal (1) R R R R R
2. JUWELIERSWARE/PELSE 4. PORTAAL, GANGE EN
LINNEKASTE
5. SITKAMER EN GESINSKAMER
Diamantringe R Gordyne R2 000 Gordyne R600
Sierringe R500 Los matte R1 000 Los matte R
Armbande R600 Skilderye en ornamente R1 000 Skilderye en ornamente R800
Halssnoere R Telefoontafel R Leeslampe R400
Oorkrabbetjies R400 Spieëls R1 000 TV stel (nie-draagbaar) R6 000
Horlosies R Muurhorlosie R TV stel (draagbaar) R
Silwer/goue kettings R40 000 Tafels en stoele R4 000 Videomasjien en toerusting R4 000
Pelse R60 000 Dekens R TV kabinet R8 400
Totaal (2) R Lakens R600 Vertoonkabinet R
Kussings R200 Sitkamerstel(le) R4 000
3. BADKAMERS EN TOILETTE Kussingslope R400 Koffie/teetafels R1 000
Gordyne R400 Komberse R600 Ander meubels R1 000
Los matte R400 Donskomberse R400 Klavier R
Toiletstelle R400 Elektriese komberse R Orrel R
Toiletware R500 Totaal (4) Ander musiekinstrumente R400
Handdoeke R2 500 Hoëtroustel R3 000
Badkamerskaal R600 Plate R
Totaal (3) R Kassette R
CD’s R2 500
Totaal (5) R
Kopiereg © Santam Bpk. 2009 18 Kursuskode: ASSESS-SPP2
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

Deel (B) (Vervolg)
6. EETKAMER 9. BUITEKAMER/BEDIENDEKAMER 12. DIVERSE (Artikels nie in die
voorafgaande 1 to 11 genoem nie)
Gordyne R800 Gordyne R200 R
Los matte R400 Los matte R300 R
Skilderye en ornamente R500 Bed & matras R1 000 R
Tafels en stoele R4 000 Linnegoed, komberse end R1 500 R
beddegoed
Buffet en kas R Klerekas en inhoud R1 400 R
Warmskinbord(e) R Spieëltafel en inhoud R400 R
Messegoed R400 Tafels en stoele R600 R
Silwerware R400 Totaal (9) R R
Eetservies R400 R
Glasware R400 10. MOTORHUIS/WERKKAMER R
Totaal (6) Kraggereedskap R4 000 R
Handgereedskap R800 R
7.STUDEERKAMER Draaibank R R
Gordyne R Werkbank en skroef R500 R
Los matte R Sweismasjien R R
Skilderye en ornamente R Grassnyer R2 400 R
Leeslampe R Randsnyer R700 R
Lessenaar en stoele R Ander tuinmaakwerktuie R400 R
Boekrak R800 Tuinmaakgereedsskap R400 R
Boeke R2 000 Tuinmeubels R2 000 R
Sakrekenaar(s) R Braaitoerusting R1 000 R
Tikmasjien R Trapfietse R30 000 R
Sporttoerusting R400 Kampeertoerusting R500 R
Kameras en projektors R1 400 Totaal (10) R R
Verkykers R400 R
Vuurwapens R 11. ANDER INHOUD R
Ammunisie R Kroegtoonbank en stoele R R
Totaal (7) Wyn en spiritualieë R1 200 R
Naaimasjien R R
8. KOMBUIS EN WASKAMER Breimasjien R Totaal (12) R
Gordyne R400 Draagbare radio’s/
R4 000 OPSOMMING VAN TOTALE
kassetspelers
Stoof R3 000 Reis en aktetasse R2 000 Alle slaapkamers (1) R
Mikrogolfoond R1 400 Potplante R500 Juweliersware /pelse (2) R
Yskas(te) R2 400 Rekenaar R44 000 Alle badkamers en toilette (3) R
Inhoud van yskas(te) R500 Faksmasjien R Portaal, gange en linnekaste (4) R
Vrieskas(te) R1 600 Videokamera R4 000 Sit-en gesinskamer (5) R
Inhoud van Vrieskas(te) R1 000 Telefoon-antwoordmasjien R Eetkamer (6) R
Skottelgoedwasser R4 000 Versamelings van enige
aard behalwe seël en
muntversamelings wat nie
ingevolge Afdeling 1
versekerbaar is nie.
Studeermaker (7) R
Wasmasjien R2 000 (Beskryf asb. Hieronder) Kombuis en waskamer (8) R
Tumeldroër R800 Selfone R8 000 Buite-/bediendekamer (9) R
Stofsuier R400 R Motorhuis /werkkamer (10) R
Poleerder R R Ander inhoud (11) R
Matsjampoeër R R Diverse (12)
Strykyster en plank R300 R Subtotaal R
Ander elektriese toestelle R2 000 R Tel by ‘n bedrag vir moontlike
toekomstige aankope
R
Tafels en stoele R R Tel by ‘n bedrag vir verwagte
inflasie
R
Ornamente R400 R
Tee en koffiestelle R1 000 R
Messegoed en breekware R1 000 R
Kruideniersware R2 000 R
Wasgoed R500 R
Totaal (8) R Totaal (11) R GROOTTOTAAL R
Kopiereg © Santam Bpk. 2009 19 Kursuskode: ASSESS-SPP2
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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VRAAG 1
a.
b.
Mnr. X wil graag weet watter van die items op die inventaris jy voorstel hy afsonderlik moet spesifiseer.
Is daar ’n perk wat geld wat betref juweliersware en indien wel, hoeveel is dit ingevolge die Afdeling Huisinhoud
indien dit nie gespesifiseer is nie?
VRAAG 2
Die bedrae op die inventaris dui die vervangingswaarde van die verskillende items aan. Hy gaan die inhoud van sy huis by
Santam verseker. Watter persentasie vir waardevermindering moet hy van die volgende items se waarde aftrek?
Elke antwoord tel 0,5 punte
Elektriese toerusting _________________%
Klerasie _________________%
Meublement _________________%
Matte _________________%
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
7
2
2

VRAAG 3
Van die glasornamente is in verskillende lande in Afrika aangekoop. Kan hierdie items spesiaal gedek word teen brekasie en
indien wel, verduidelik ook of daar enige uitsonderings geld?
VRAAG 4
Mnr. X is baie bang dat sy items onderverseker is en dat awery in die geval van ’n eis ingevolge Afdeling Huisinhoud
toegepas sal word. Verduidelik die werking van awery aan hom (ingesluit die berekening om persentasie onderversekering
te bepaal) en deel hom mee wat hy kan doen om enige awery te verhoed.
VRAAG 5
Soos aangedui op die foto’s, het hy ’n alarmstelsel in sy huis laat installeer. Is die soort alarmstelsel aanvaarbaar en indien
wel, sal hy vir korting kwalifiseer indien die alarmstelsel nie ’n vereiste is nie?
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
2
3
2
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80
VRAAG 6
Mnr. X se vrou verkoop Persiese matte en ornamente. Hierdie besigheid word vanaf die huis bedryf. Mnr. X het sy
dubbelmotorhuis spesifiek ingerig vir die stoor van die matte. Geen matte word vanaf die huis verkoop nie. Sy vrou neem
voorbeelde daarvan na haar moontlike kopers. As hulle belangstel, lewer sy die aankope persoonlik af. Die gemiddelde
voorraad wat aangehou word beloop sowat R30 000. Mnr. X wil graag weet of hierdie voorraad matte en ornamente
ingevolge die Santam se persoonlike polis gedek sal wees en indien wel, of daar ’n perk in so ’n geval is
VRAAG 7
Mnr. X se huis is teen ’n skuinste geleë. Hy is bang, in die lig van die weersveranderinge, dat hewige reën die grond
rondom sy huis kan wegspoel wat daartoe kan lei dat sy huis insak/skuif en die inhoud ook in die proses beskadig word.
Word hierdie soort voorval outomaties ingevolge Afdeling Huisinhoud gedek en indien nie, hoe sal hy te werk moet gaan
om hierdie soort dekking te kan kry?
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
2
2

VRAAG 8
Mnr. X se jongste seun is op kollege en bly in die koshuis. (Sien aangehegte foto van die koshuis. Bestudeer foto’s 60, 62,
63 en 64 op die kompakskyf vir meer inligting.) Sy klerasie en persoonlike besittings wat normaalweg by die koshuis gehou
word, beloop R15 000. Beantwoord die volgende vrae:
a. Sal sy besittings ingevolge mnr. X se Santam se persoonlike polis gedek wees?
b. Moet die koshuis as ’n tweede adres op die polis genoem word?
c.
Watter veiligheidsmaatreëls is op hierdie adres van toepassing?
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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82
VRAAG 9
Mnr. X reis gereeld en verkies om in gastehuise te oornag. Hy wil graag weet of sy klerasie en persoonlike besittings
ingevolge Afdeling Huisinhoud gedek sal wees:
a. Indien daar by die gastehuis ingebreek word.
b. Indien sy besittings deur van die personeel van die gastehuis gesteel word.
c. En/of hy sy polis spesifiek moet uitbrei om dekking in hierdie gevalle te kan geniet.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
3

VRAAG 10
Mnr. X huur ook ’n woonstel in Johannesburg. Hy gebruik dit twee keer ’n maand wanneer hy die Goudstad vir besigheid
besoek. Die woonstel wat hy huur is op die sewende verdieping van die woonstelblok geleë.
Hy onderneem om na ’n groter woonstel wat op die eerste verdieping van die woonstelblok geleë is, te verhuis. Hy
wil graag weet watter invloed dit op die dekking gaan hê indien die inhoud van die woonstel ook onder Afdeling
Huisinhoud verseker sou word? Bestudeer die volgende foto’s wat ook op die kompakskyf beskikbaar is en beskryf die
onderskrywingsmaatreëls wat jy reken van toepassing is op die nuwe risiko. Tans word slegs vereis dat die ingangsdeur na
die woonstel deur ’n veiligheidshek beskerm moet word.
TOTAAL 33
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
2
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84
OPDRAG 4
Die versekerde voorsien jou van die volgende inligting:
•
Voltooide inventaris ten opsigte van die inhoud van sy permanente woonhuis.
Bankbesonderhede:
•
•
•
•
•
XYZ Bank
Rekeninghouer: Mnr. X
Rekeningnommer: 00010001 (Tjekrekening)
Takkode: 11 22 33
Debietordervordering: Laaste werksdag voor die 30ste van elke maand.
Voltooi nou Afdeling Algemeen en Afdeling Huisinhoud op die aansoekvorm na aanleiding van bogenoemde gegewens. Ván
die inligting is reeds op die aansoekvorm voltooi. Onthou om ook enige vereistes wat jy mag versoek na aanleiding van jou
inspeksie wat jy gedoen het, duidelik op die aansoekvorm aan te dui.
Die versekerde verlang die volgende dekking:
•
•
•
•
•
Dekking vir die inhoud van sy huis (sien inventaris)
Dekking vir die inhoud van sy woonstel in Johannesburg R50 000
Park Woonstelle 702, Parkstraat, Johannesburg
Toevallige skade aan die inhoud van sy huis R 5 000
Handelsvoorraad (Persiese matte en ornamente) R10 000
Die versekerde het geen behoefte daaraan om enige vrywillige bybetaling bo en behalwe die gewone bybetaling te betaal
nie.
Die versekerde stel ook as gevolg van die hoë premie, nie in die dekking vir Insakking en grondverskuiwing belang nie.
Die versekerde vra vir dekking vir elektroniese en meganiese onklaarraking vir die volgende rekenaars:
•
•
•
•
Acer-rekenaar
Hardeskyf Veriton 3200 (reeksnommer: 10002000) R 6 000
Skerm AC713 (reeksnommer: 10002999) R 2 000
Sleutelbord 6511 (reeksnommer: 33344455) R 1 000
Acer-rekenaar
Hardeskyf Veriton 3600 (reeksnommer: 20002000) R 7 000
Skerm AC713 (reeksnommer: 10002998) R 2 000
Sleutelbord 6511 (reeksnommer: 33344456) R 1 000
Acer Travelmate 180-skootrekenaar (reeksnommer: 445566) R10 000
Acer Travelmate 280-skootrekenaar (reeksnommer: 445566) R15 000
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

SANTAM SE PERSOONLIKE POLIS
AANSOEKVORM
Dankie dat u Santam oorweeg as u versekeraar. Voltooi en onderteken asseblief die aansoek. Maak seker dat u alle vrae volledig beantwoord.
Dekking ingevolge die polis sal slegs ‘n aanvang neem na geodkeurimg van u aansoek deur Santam Beperk.
Besonderhede van “aansoeker” en “ander versekerdes”
Aansoeker Ander versekerde 1 Ander Versekerde 2
Van: ………Mnr………….………… ………………………………… ……..………………………
Voorletters: …………………………….…… ………………………………… ……..………………………
Geboortedatum: ……15 Januarie 1953…....… ………………………………… ……..………………………
Geslag:
ID Nommer:
Korrespondensietaal:
English Afrikaans English Afrikaans English Afrikaans
Titel (eg. Mnr of Dr): …………………………… ………………………………… ……..………………………
Huweliksstatus: …………Getroud…………… ………………………………… ……..………………………
(eg. getroud of weduwee)
Beroep: …Eiendomsagent & Ontwikkelaar ………………………………… ……..………………………
Verdere besonderhede van aansoeker
Telefoon nr. Werk: Kode
Faksnommer: Kode
Selfoonnr no:
Posadres: ………Posbus 1……………………………………… E-pos adres: …jan@xyz.co.za………………………………
……Kaapstad…………………………………… Poskode: …8001………………………………………
Straatadres: Eerste laan 1, La Rochelle, Kaapstad……………………
(indien anders as posadres) …………………………………………………… Poskode:………………………………………………
Polisbesonderhede Makelaar/agent gebruik
Polissoort: Agentnommer:
2 0
Aaanvangsdatum: Agentskapnaam: ……………………………………………..
Betaalwyse verlang:
……………………………………………..
Hanteeringsfooi: R ……………………………………………
Telefoonnommer:……………………………………...……..
Benodig u SASRIA (oproer) versekering?
Maandlikse ebietordervorderingsdag
Faksnommer: ……………………………………………..
Op, of laaste werksdag voor ………. 29 ste 30 ste 31 ste 1 ste
Debietorder Kontant
Ja Nee
Op, of eerste werksdag na ………...
Twee werksdae na ………………….
BEANTWOORD ASSEBLIEF ALLE VRAE IN DRUKSKRIF OF MERK TOEPASLIKE BLOK
25 st e 26 st e 27 ste 28 ste
15 de
HIERDIE GEDEELTES IS SLEGS VIR KANTOORGEBRUIK
Manlik Vroulik Manlik Vroulik Manlik Vroulik
Huis: Kode
Vir hierdie opsie, sal invordering geskied op die laaste werksdag voor die datum as die datum op ‘n naweek of openbare vakansiedag val.
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
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86
Bankbesonderhede
Banktakkode/
Rekeningnommer: .................................................................. ................................................................
Rekeninghouer: ………………………………………………… Instansie/Bank: ……………………………………………………………
Soort rekening:
Magtiging deur rekeninghouer
Santam Beperk (Santam) mag die bedrag van die premie teen my rekening by die bogenoemde instansie trek op enige wyse
waarop Santam met die instansie ooreegekom het. Santam mag enige bedrae wat aan my veskuldig is in dieselfde rekening
inbetaal.
Die ontrekkings uit my rekening deur Santam sal geag word asof dit deur my onderteken is.
Santam mag nie sy regte ingevolge hierdie magtiging aan ‘n derde party sedeer sonder my skriftelike teostemming nie.
………………………………………………..
HANDTEKENING VAN REKENINGHOUER
Algemeen
Het ‘n versekeraar ooit enige aansoek van u van die hand gewys, enige polis (of gedeelte darvan) gekanseleer, geweier om
enige polis (of gedeelte daarvan) te hernu of enige spesiale voorwaardes opgelê? Trek a kruis oor die blok van toepassing.
Ja Nee Indien “Ja” verskaf asseblief volle besonderhede ………………………………………………………………
………………………………………………………………………………………………………………………………………………………………
Is u tans verseker teen die risiko’s waarvoor u nou aansoek doen? Trek a kruis oor die blok van toepassing.
Ja Nee
Indien “Ja” verskaf asseblief volle besonderhede ……ABC Versekeraars………………………………….
Indien u tans nie versekering het nie, maar wel voorheen gehad het, verskaf asseblief die volgende:
Laaste datum van versekering: …………………….. Naam van versekeraar : …………………………………………………………
Verskaf asseblief volle besonderhede van alle verliese wat u gedurende die afgelope 3 jaat gely het, insluitende eise wat betaal
is of nie betaal is nie.
Soort Verlies Jaar Bedrag Versekeraar
…Inbraak - Hoofwoning……….. ……1990.……….. ………R10 000,00……………… …ABC Verskeraars…………………..
…Waterskade - Hoofwoning….. ……1993.……….. ………R50 000,00.…………… …ABC Versekeraars………………..
…Inbraak - Woonstel………….. …2001.………….. ………R12 000,00…………… …ABC Versekeraars………………..
…………………………………….. …………………….. ……………………………… ………………………………………..
Merk die afdelings waaronder u wil verseker:
Deel 1 Deel 2 Deel 3
Huisinhoud Persoonlike regsaanspreeklikheid Persoonlike ongevalle
Allerisiko’s Sterftevoordeelplan
Geboue Hospitaalvoordeelplan
Voertuie Uitgebreide persoonlike regsaanspreeklikheid
Watervaartuie
Tjek Transmissie Kredietkaart
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

DEEL 1 – EIENDOMSVERSEKERING
HUISINHOUD
Besonderhede van inhoud Huisinhoud 1 Huisinhoud 2
Soort woning
Hoofwoning Vakansiewoning Ander woning Hoofwoning Vakansiewoning Ander woning
Staatadres van eiendom …………………………………………………..…… ………………….……………………………………
……………………………………………………..…. .……………………….………………………………
Poskode …………………………. ……………………………
Woonstel bo grondvloer?
Inbraak en diefstaldekking
opgeskot?
Onbeboude gebied in
onmiddelike omgewinng?
Antal inbrake by woning (afgelope 3 jaar)
Geeneisbonus (in jare)
Vrywillige bybetalling
Dakkonstruksie
Muurkonstruksie
Soort perseel
Woning gebruik
Soort woning (b.v. woonstel op Gronvloer, meenthuis or dubble-
verdieping) ……………………………………………………….. ………………………………………………………
Versekerde bedrag van inhoud
Insakking/grondverskuiwing
Onbevallige skade - Algemeen
Meganiese/elektriese/Elektroniese onklaarraking)
Handelsvoorraad
Soort tuisnywerheid(b.v. bakkery) ………………………………………………………. …………………………………………
Is the woning voorsien van die volgende?
Diefwering voor alle oopmaak-Vensters (insl. Hortjiesvensters)
Veiligheids hekke voor alle buite-Deure (insl, skuifdeure)
Alarm – indien gekoppel aan ‘n 24hr beheerkamer van ‘n sekuriteitsfirma
Sekuriteits area
Buurtkode
Endossmente
Ja Nee Ja Nee
Ja Nee Ja Nee
Ja Nee Ja Nee
Standard Nie-standard Gras met thatchsy
Meer as 4 Meer as 4
Ja Nee Bedrag: R Ja Nee Bedrag: R
Standard Nie-standard Gras met thatchsy
Standard Nie-standard Standard Nie-standard
Kleinhoewe Plaas Ander Kleinhoewe Plaas Ander
Standard Kommune Hotel Standard Kommune Hotel
Losieshuis Gastehuis Ouetehuis Losieshuis Gastehuis Outehuis
Ja Nee Ja Nee
Ja Nee Bedrag: R Ja Nee
Ja Nee Ja Nee
Bedrag: R
Ja Nee Bedrag: R Ja Nee Bedrag: R
Ja Nee Ja Nee
Ja Nee Ja
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2
Nee
Ja Nee Ja Nee
Ja Nee Ja Nee
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OPSOMMING
Na aanleiding van die gegewens tot jou beskikking ten opsigte van hierdie afdeling(s):
•
•
Beskryf in jou eie woorde hoe jy die versekerde en risiko’s sal klassifiseer.
Kategoriseer die versekerde en risiko deur ’n kruisie in een van die volgende blokkies te trek:
lae frekwensie/hoë risiko lae risiko/hoë frekwensie Geen moontlike risiko
Kopiereg ©Santam Bpk. 2009 Kursuskode: ASSESS – SPP2

NOTAS