Frequently Asked Questions

1. Are excesses applicable under all sections of the Policy?

Yes there are applicable excesses under most sections of the Policy, however, these may be revised under certain circumstances.

2. Do the rates differ in various areas?

Yes, our Policy applies a Cresta Zone Rating for all areas in South Africa and the area dictates the rate.

3. What cover is provided under the C-Sure Policy?

• The C-Sure Policy provides cover for Buildings and the Fixtures & Fittings thereof.
• The Policy also provides extensions to the Policy such as Public Liability, Trustees Indemnity, Employers Liability, Machinery Breakdown, Office Contents, Accidental Damage, Electronic Equipment, Geysers, Business All Risks, Money, Glass, Fidelity Guarantee and Motor.

4. What are the exclusions under the C-Sure Policy pertaining specifically to the Building?

• Wear & Tear or Gradual Deterioration
• Loss or Damage to Retaining Walls (unless specifically requested together with an Engineers Report)
• Faulty or Defective Designs
• Consequential Losses
• Any part or attachments of the Geyser covered by a Warranty

5. Does C-Sure automatically apply the inflation and escalation increase and can the increase differ from what is recommended?

The Inflation and Escalation increase is automatically applied at (Escalation 12% and Inflation 10%). These are purely recommendations and can be altered at the Bodies Corporate request.

6. Is an additional premium applicable on the Geysers?

• Yes, a very minimal premium per unit of R300 per annum / R25.00 per month is charged for the geysers.
• It is interesting to note that loss/damage to a geyser is not an insurable risk, but rather a maintenance risk.

7. Does C-Sure insure Commercial & Industrial Buildings?

At present C-Sure does not insure Commercial & Industrial Risks.

8. Is Subsidence & Landslip included in the cover?

• Limited Cover for Subsidence & Landslip is offered at no additional premium.
• If Full Cover is required, C-Sure will require an additional premium as well as a satisfactory Engineers Report.

9. Are the rates and cover on the C-Sure Policy affected by the type of construction of the building?

Yes, all items of non-standard construction such as Thatch, Wood, Glass structures are automatically excluded UNLESS cover is specifically requested.