Company Brochure

ABOUT US
We design and manage insurance products for an elect market of financially
accomplished individuals and their businesses with a particular emphasis on
value insured, location of the risk address, personal preference and market
specific lifestyle offerings.
The Zenith Wealth Policy

OUR BUSINESS
PRINCIPLES
Our policies are administered by a handpicked team of
dynamic experienced staff who render a private client
service to brokers and clients.
We pride ourselves on a turn-key service that includes all
aspects of underwriting, claims handling and insurance
financial management.
Selection
Every risk is viewed and selected individually and
underwriting is done at inception. It is generally
accepted that past behaviour will dictate future
behaviour.
Service
Zenith is a very service minded organization in a
service conscious market segment. We are always
directly accessible and management will intervene
or be seen to intervene where appropriate.
Relationship
The broker is our primary client. The policy holder
is our secondary client. Good service makes for
good relationships.
The Zenith Wealth Policy

THE ZENITH
WEALTH POLICY
“Working in Short Term insurance is a profession. Zenith is a business where we live our
profession.” - Willem Coetzee | Executive Manager
QUALIFYING CRITERIA
• Custom made for the high net worth clients
• House contents of N$750 000+
• Insured building of N$3m+
GENERAL PRODUCT FEATURES
• Very high cover limits
• Competitive premium rating
• Premium benefit through elective excess structures
• Portfolio dedicated underwriters
The Zenith Wealth Policy

HOUSEHOLD CONTENTS
FEATURES OF HOUSEHOLE CONTENTS
• Power surge included as a standard peril
• Permanent loss or displacement included as standard peril
• Money automatically covered up to N$25 0000
• Loss of water through leakage covered up to N$10 000
• Cover for household locks, keys and reprogramming of security codes
and remote control devices - without limit
• Cover for deterioration of freezer contents up to N$10 000 also
includes the refrigerator
OPTIONAL EXTENSIONS
• Contents all risks up to 25% of sum insured without item limit
• N$30 000 per event for unspecified cell phones or portable computer
equipment
• Escalation against inflation % electable by client
• Comprehensive cover when moving house
• Accidental damage
The Zenith Wealth Policy

BUILDINGS COVER
FEATURES OF BUILDINGS COVER
• Power surge included as standard peril
• Automatic cover for machinery breakdown for N$20 000
• Automatic cover for glass and sanitary ware for N$1 000 000
• Limited and extended Subsidence and Landslip cover
• Repair of gardens up to N$10 000
• Fixtures and Fittings temporarily removed up to N$100 000
• Home alterations up to N$100 000 following debilitating injury
• Greenhouse and Gazebo cover available at the client’s option
• Included over and above sum insured:
• Architects and professional fees
• Removal of debris
OPTIONAL EXTENSIONS
• Escalation against inflation % electable by client
• Increased sum insured for breakdown of machinery
• Additional N$50 000 for damage to garden
• Gazebo and greenhouse up to sum insured elected by client
• Subsidence and landslip extended cover
The Zenith Wealth Policy

ALL RISK COVER
FEATURES OF ALL RISKS COVER
• Specified sport equipment also covered in use
• Cover for mechanical, electrical or electronic breakdown of computer
equipment and mobile phones
• Cover for software of computers and smart phones
• Can insure any of the following – most often at agreed value
(with extensions specific to works of art):
• Paintings, pictures, photography, sculptures
• Ceramics, porcelain, brittle objects of art
• Silver, gold, stamps, coins
• Antique furniture, old books of value, militaria, africana,
carpets, etc.
FEATURES OF PERSONAL LIABILITY COVER
• Minimum limit N$2,5m
• Umbrella cover: N$20m
PERSONAL LIABILITY
COVER
The Zenith Wealth Policy

MOTOR VEHICLE COVER
FEATURES OF MOTOR VEHICLE COVER
• Territorial limits include Zambia
• Lifestyle classes of use allowing premium discounts
• Infrequent use (for less than 10 000km p.a.)
• Weekend use (for expensive weekend toys)
• Swallow use (for migrants following summer season)
• Private use allows infrequent business trips
• Replacement with new vehicles:
• 12 months for vehicles bought new for less than N$300 000
• 24 months for vehicles bought new for more than N$300 000
• Cover for keys included up to N$10 000
• Cover for damage by potholes and curb stones up to N$5 000
• Cover for damage caused by pets up to N$5 000
• No off road exclusions
• Insured can authorise emergency repairs up to R20 000 outside Namibia
• Repatriation costs to Namibian border from any where in territorial
limits included up to N$20 000
• Can insure at agreed value
• Optional covers
• Credit shortfall
• Rental vehicles for loss of use
The Zenith Wealth Policy

VALUE ADDED PRODUCTS
HOME AND CAR INSURANCE
VALUE ADDED TO HOME AND CAR INSURANCE
• Value added to home and car insurance
• AA Plus fleet care available at NS85 per month perpolicy
• AA Home Assist (emergency services included with AA Plus)
• Plumbers
• Electricians
• “White and brown goods” repair
(appliances and audio visual equipment)
• Glaziers
• Locksmiths
• Benefits include payment of call out fee and first hour of labour
OTHER
POLICY SECTIONS &
DISTINGUISING FEATURES
OTHER POLICY SECTIONS
• Watercraft
• Personal Accident
• NASRIA (automatically included)
The Zenith Wealth Policy

OTHER
POLICY SECTIONS &
DISTINGUISING FEATURES
OTHER DISTINGUISING FEATURES
• Relationship based private
client service to brokers
• Empowered underwriters
dedicated to portfolios
• Only seasoned and mandated
claims administrators tend
to claims
CONTACT US
E-MAIL ADDRESS:
info@zenithinsure.co.za
TELEPHONE NUMBER:
+27 (0)21 872 7065
WEBSITE ADDRESS:
www.zenithinsure.co.za
The Zenith Wealth Policy