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Buy. Insure. Digitally

Click2Sure is a fullstack digital insurance platform which enables retailers, service providers, distributors and brokers to bolt on a selection of over 20 custom developed insurance products, at the point of sale

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Frequently Asked Questions

1. GENERAL QUERIES



1.1. What or Who is Click2Sure?

Click2Sure is an online insurance broker, and the first of its kind in South Africa! We make insuring your most precious items easy, affordable and stress-free.

1.2. How is Click2Sure different from traditional insurance brokers?

Click2Sure takes away the hassle of traditional insurance methods. Say goodbye to queues, annoying hold music and mind-numbing admin, and say hello to online, efficient and simple insurance!

1.3. How do I get Click2Sure cover?

Click2Sure cover is available through our participating partners. If you have purchased an insurable item from one of our participating partners, you will be able to activate Click2Sure cover in a few clicks.

If you would like to talk to us about getting Click2Sure cover directly for one of your items, email us at hello@click2sure.co.za and we'll see what we can do to help.

1.4. How can I reach Click2Sure?

Leave us a message in the contact section at www.click2sure.co.za. Alternatively, email us at hello@click2sure.co.za and we'll get back to you asap. If you prefer to pick up the phone, you can give us a call on 021 202 9590.

1.5. Who is the Insurer behind Click2Sure Policies?

This may depend on the type of insurance product you are looking to purchase. Please consult the product specific FAQs in the sections below.

1.6. How do I deal with the insurance company?

We know what a drag that can be, so we've got you covered! You can do everything you need from your Click2Sure Account in your own time.

1.7. What if I want to cancel my policy?

You may cancel your policy at any time from your Click2Sure Account . You have the right to cancel your policy within a 30 day cooling off period and receive a full refund. Thereafter, you must give 30 days notice to cancel your Policy. You may lodge a request to cancel your policy from your Click2Sure Account . Please consult your Policy Terms and Conditions for the refund policy provisions.

1.8. Can I switch to Click2Sure if I already have a policy?

If you currently have a policy of insurance, it doesn't make sense to you pay twice. We are fairly sure our policy of insurance has better cover for a lower premium but we leave you to be the judge. If our offering is better suited to your needs we would welcome you as a customer once you have canceled your current cover. If our offering is not as competitive please inform us at hello@click2sure.co.za.

1.9. If I have a bad credit score, is my premium affected?

Your credit score is not taken into account when calculating your premiums.

1.10. What if I miss a premium payment?

Please consult your insurance product specific terms and conditions. Generally, if you miss a Premium payment, there is a grace period of 1 month to repay a missed premium. This means you will still be covered until the next payment date. If that payment also fails, your Policy will lapse and all benefits will cease. If a claim event arises once the Policy lapsed, no benefits will be paid.

1.11 How do I Complain?

If you have any complaint about Click2Sure, a product or any other matter, you can get in touch with us and we’ll do everything we can to resolve your complaint. You can contact Click2Sure about your complaint:

By calling us on 021 202 9590, or
By emailing us at complaints@click2sure.co.za.
You can read more about our complaints procedure here.

2. MY GADGET PROTECTION PLAN



2.1. What types / brands of Gadgets can be protected with a Gadget Plan?

A Gadget Protection Plan can be purchased to protect any of the following Gadgets:

  • Mobile Devices: Samsung; Apple; LG; Huawei & Xiaomi;
  • Laptop / notebooks: Apple products only;
  • Tablets: Samsung & Apple;
  • Wearable tech / fitness Devices: Apple watches only.

If you would like to insure a device which does not appear on this list, please consult the Electronic Protection Plan FAQs below. Alternatively, email us at hello@click2sure.co.za and we will see how we can help.

2.2. Can I get a Click2Sure Protection Plan for my new Gadget?

Yes, provided you have purchased your qualifying Gadget from one of our Participating Partners, you can activate a Click2Sure Protection Plan to cover the risks associated with the Gadget. You may be required to provide your invoice to show that the Gadget has recently been purchased.

2.3. Can I get a Click2Sure Protection Plan for the Gadget I already use?

Yes, but note that if your Gadget is older than 30 days, it will need to be verified as being in good working order by one of our Authorised Repair Centres in order to be eligible for a Click2Sure Protection Plan. Contact us at hello@click2sure.co.za to find the Authorised Repair Centre nearest to you.

2.4. Can I get a Click2Sure Protection Plan for a Gadget I’ve just had repaired?

Yes, as long as your device has been verified by one of our Authorised Repair centres as being in good working condition once more, it will be eligible for a Click2Sure Protection Plan. Contact us at hello@click2sure.co.za to find the Authorised Repair Centre nearest to you.

2.5. What does a Click2Sure Protection Plan include?

If you choose the Click2Sure Basic option for your Gadget, you may claim once for:

  • Accidental damage
  • Water damage
  • Out of warranty component malfunctions

If you choose the Click2Sure Platinum option, you may claim up to three times for:

  • Theft / loss (subject to only one claim being allowed for this theft / loss)
  • Accidental damage
  • Water damage
  • Out of warranty component malfunctions

2.6.How much will I pay?

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you to find out how much you will pay. It's easy. Just capture the details of your Gadget and you'll be given a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process.

If you would like to insure an item directly with Click2Sure, please email us at hello@click2sure.co.za and include the details of your Gadget. We'll see what we can do to help.

2.7. How do I pay?

You may pay your premium as a once off credit card payment or you may elect to pay your premium in 12 equal installments by allowing Click2Sure to collect a monthly debit order from your bank account.

2.8. How long am I covered for?

Our Protection Plans are for a period of 12 months.

2.9. Who insures my Gadget?

Your Gadget is insured by Guardrisk Limited, a registered Insurer and licenced FSP with FSP licence number 75.

2.10. Where can I purchase a Gadget Protection Plan?

If you have purchased (or repaired) your Gadget from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you.

If you have not purchased or repaired your Gadget from one of our Participating Partners but you are interested in purchasing a Click2Sure Protection Plan, please contact us at hello@click2sure.co.za. You will be directed to one of our Authorised Repair Centres to verify that your device is in good working order.

2.11. Does the opportunity to purchase a Gadget Protection Plan expire?

Yes. You must purchase the Click2Sure Protection Plan within 2 days of purchasing (or repairing) your Gadget from a Participating Partner.

If you want to purchase the Click2Sure Protection Plan after the 2 day period, contact us at hello@click2sure.co.za. You will be required to verify that the device is in good working order. This may include referring you to one of our Authorised Repair Centres to independently verify the condition of your Gadget. We will help you find the Authorised Repair Centre nearest to you.

2.12. How do I purchase a Gadget Protection Plan?

If you have purchased or repaired your Gadget from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you within 2 days. You will be required to provide us with a few details about yourself and your Gadget.

You'll also need to set a password for your Click2Sure Account from which you'll be able to manage your Gadget Protection Plan, lodge claims and purchase other products.

2.13. How do I lodge a claim under my Gadget Protection Plan?

Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any supporting documentation. Please consult your Terms and Conditions for more information.

If your Gadget has been damaged, you’ll be given a reference number and will be directed to one of our Authorised Repair Centres where you must take your damaged Gadget within 7 days for assessment and processing. Please consult your Terms and Conditions for more information.

2.14. What excess will I pay when claiming?

You will be directed to pay an excess which will be determined depending on how much it costs to fulfil your claim in accordance with the following:

  • Accidental Damage Claim
    Claim lodged within 60 days
    Claim lodged after 60 days
  • Excess calculation (% of the cost to repair or replace)
    20% subject to minimum of R600
    10% subject to minimum of R250
  • Theft / loss Claim
    Claim lodged within 60 days
    Claim lodged after 60 days
  • Excess calculation (% of the cost to replace)
    25% subject to minimum of R750
    15% subject to minimum of R500

2.15. What does the Gadget Protection Plan exclude?

You may not claim for any of the following:

  • consequential loss
  • cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form
  • damage which existed prior to your period of Free Cover or damage caused by a pre-existing fault
  • damage which is covered under a guarantee or warranty
  • damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust
  • damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct or where your Gadget was unattended, unless it was locked in a compartment of sight
  • any damage to your Gadget if it is a prototype
  • theft or damage suffered while you lent or hired your Gadget to another person
  • theft by false pretenses or scams
  • any issues relating to software whatsoever including any computer virus or accidental deletion
  • any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions
  • the cost of reproducing sound, data and images on tapes, records, film or magnetic media
  • car kits and/or accessories including sim cards
  • loss or damage occasioned by confiscation, detention, commandeering or requisitioning by any lawful authority
  • nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity , nuclear waste, fission and similar processes
  • theft or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence or which is insurable by SASRIA SOC Limited and
  • any attempt to perform any of the above acts or events

2.16. I’ve been given a 30 day Free Benefit. What does the Free Benefit include?

Provided you activate the offer, you are have been awarded limited cover for 30 days. During this time, you will be given a R500 contribution towards the repair or replacement of your Gadget in the event that:

  • If your screen CRACKS, or
  • If your device sustains WATER DAMAGE, or
  • If one of your OUT OF WARRANTY COMPONENTS malfunctions

2.17. Can I use a Free Benefit to repair another Gadget which has broken?

No. The Free Benefits are attached to the Gadget which you recently repaired or purchased. You can’t give the Free Benefits to anyone else and you can’t use the Free Benefit for a different Gadget.

2.18. How do I activate a Free Benefit?

If you’ve been awarded Free Benefits from one of our participating partners, you must follow the instructions provided to you. You must activate the Free Benefits within 48 hours of receiving the instructions

You will be required to provide us with a few details about yourself and your Gadget. You’ll also need to set a password for your Click2Sure Account from which you’ll be able to manage your Free Benefit Documents, claim under your Free Benefits and upgrade to a Protection Plan if you wish.

2.19. How do I claim my Free Benefit?

If your screen cracks, your device sustains water damage, or one of your out of warranty components malfunctions, you may lodge a claim from your Click2Sure Account for a contribution towards its repair or, in some instances, its replacement. The claim must be lodged prior to the expiry of the Free Benefit Period.

  • Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any supporting documentation.
  • You’ll be given a reference number and will be directed to one of our authorised repair centres where you must take your damaged Gadget within 7 days.
  • In some cases, depending on the kind of Gadget and the kind of damage, we may not be able to refer you to a repair centre. In this case, you will receive a contribution towards the replacement of your device.
  • Our Authorised Repair Center will give you a quote on the repair which will also reflect the contribution from this Free Cover. If your repair costs more than R500, you will be awarded a fixed contribution of R500 towards the repair. If the repair costs less than R500, the contribution is limited to the cost of that repair
  • If you decide to proceed with the repair, you will be responsible for paying the balance of the repair costs to the Authorised Repair Center. The contribution portion will be paid directly to the Authorised Repair Center and may not be exchanged for cash. If you do not take your Gadget to our Authorised Repair Center within the 7 day period, the Free Benefit shall expire and will no longer be paid

2.20 How many times may I claim under my Free Benefit?

You may claim once.

2.21 What does the Free Benefit exclude?

You may not claim the Free Benefit for any of the following:

  • if your Gadget is lost or stolen
  • for any cosmetic damage / wear and tear / scratches on your Gadget
  • for damage which existed or occurred prior to your Free Benefit Period or damage caused by a pre-existing fault
  • for damage which is covered under a guarantee or warranty
  • for damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust
  • for damage arising from any issues relating to software
  • for damage arising from any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions

2.22 How do I upgrade my Free Benefit to a Protection Plan?

If you’ve been awarded Free Benefits from one of our participating partners and you wish to upgrade, you can do so in a few ways:

  • You can upgrade immediately while you’re activating your Free Benefit. The benefit of doing this is that you’ll get peace of mind that your Gadget is covered up to its full value.
  • You can upgrade at any point during your 30 days Free Benefit period. Log into your Click2Sure Account, find your Free Benefit policy and click on the upgrade option.
  • You can upgrade on the expiry of your 30 days Free Benefit period or up to 7 days thereafter. Log into your Click2Sure Account, find your Free Policy and click on the upgrade option.

3. MY ELECTRONIC DEVICE PROTECTION PLAN



3.1. Can I get a Device Protection Plan for my new Device?

Yes. If you have purchased your Device from one of our Participating Partners, you can choose an appropriate Click2Sure Protection Plan to protect against the risks associated with that Device.

3.2.Can I get an Electronic Device Protection Plan for the Device I already use?

If your device is older than 30 days, you will not be eligible for an Electronic Device Protection Plan. You may, however, be able to purchase one of our Gadget Protection Plans which are available on used devices. In order to purchase a Gadget Protection Plan, your device will first need to be verified as being in good working order by one of our Authorised Repair Centres. Contact us at hello@click2sure.co.za to find the Authorised Repair Centre nearest to you. For more information, please consult the Gadget Product FAQs in the section above.

3.3. What does the Protection Plan include?

If you choose the Electronic Basic option for your Device, your Device is covered for:

  • Accidental damage
  • Water damage
  • Out of warranty component malfunctions If you choose the Electronic Platinum option, your Device is covered for:
  • Theft / loss (subject to only one claim being allowed for this theft / loss)
  • Accidental damage
  • Water damage
  • Out of warranty component malfunctions

3.4. How much will I pay?

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you to find out how much you will pay. It’s easy. Just capture the details of your Device and you’ll be given a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process.

If you have not purchased a Device from a Participating Partner but you would like to enquire about Click2Sure cover, please email us at hello@click2sure.co.za Please include the details of your Device and we’ll see what we can do to help.

3.5. Can I pay the Premium once off?

Yes. If you pay your Premium as a once off amount for 12 months cover, you will receive an Annual Protection Plan. You will receive the benefit of a discounted premium if you elect to purchase an Annual Protection Plan.

3.6. Can I pay the Premium monthly?

Yes. If you pay your Premium monthly by allowing Click2Sure to collect a debit order from your bank account each month. You will receive a Monthly Protection Plan which is in place for 12 months.

3.7. How long am I covered for?

Our Protection Plans are for a period of 12 months.

3.8. Who insures my Device?

Your Device is insured by Guardrisk Limited, a registered Insurer and licenced FSP with FSP licence number 75.

3.9.Where can I purchase a Device Protection Plan?

If you have purchased your Device from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you.

If you have not purchased or repaired your Device from one of our Participating Partners but you are interested in purchasing a Click2Sure Protection Plan, please contact us at hello@click2sure.co.za. Before we can insure the Device, you may be required to verify that your Device is in good working order which may involve attending one of our Authorised Repair Centres to verify the condition of your Device.

3.10. Does the opportunity to purchase a Device Protection Plan expire?

Yes. You must purchase the Click2Sure Protection Plan within 7 days of purchasing (or in the case of an online purchase, 7 days of receiving) your Device.

If you want to purchase the Click2Sure Protection Plan after the 7 day period, contact us at hello@click2sure.co.za. You will be required to verify that the device is in good working order. This may include referring you to one of our Authorised Repair Centres to independently verify the condition of your Gadget. We will help you find the Authorised Repair Centre nearest to you.

3.11. How do I purchase a Device Protection Plan?

If you have purchased your Device from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you within 7 days. You will be required to provide us with a few details about yourself and your Device.

You’ll also need to set a password for your Click2Sure Account from which you’ll be able to manage your Device Protection Plan, lodge claims and purchase other products.

3.12. Am I covered for the same amount I purchased the Device for?

No. Because the value of your Device depreciates with age, the Insurer’s liability for the repair or replacement of that Device also reduces over time. Please consult your Terms and Conditions to find out more about the Insurer’s maximum liability in the event of a claim.

3.13. How do I lodge a claim under my Device Protection Plan?

  • Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any supporting documentation.
  • If your Device has been damaged, you’ll be given a reference number and will be directed to one of our Authorised Repair Centres where you must take your damaged Device within 7 days.
  • You may be required to pay the Authorised Repair Centre for the repair in which case we will reimburse you. In other cases, we will pay the Authorised Repair Centre directly. This will be communicated to you when you lodge a claim.

Please consult your Terms and Conditions for more information on the claim process.

3.14. What excess will I be required to pay on claiming?

Your excess will be determined depending on how much it costs to fulfil your claim in accordance with the following:

  • If the Cover Amount for your Device is R5000 or more:
    • Accidental Damage Claim
      1st claim lodged within 60 days
      1st claim lodged after 60 days
      2nd claim
      3rd claim
    • Excess calculation (% of the cost to repair or replace)
      20% subject to minimum of R600
      15% subject to minimum of R500
      15% subject to minimum of R500
      25% subject to minimum of R750
    • Theft / loss Claim
      All Claims
    • Excess calculation (% of the cost to replace)
      25%
  • If the Cover Amount is less than R5000 for your Device:
    • Accidental Damage Claim
      1st claim lodged within 60 days
      1st claim lodged after 60 days
      2nd claim
      3rd claim
    • Excess calculation (% of the cost to repair or replace)
      20% subject to minimum of R200
      15% subject to minimum of R200
      15% subject to minimum of R200
      25% subject to minimum of R200
    • Theft / loss Claim
      All Claims
    • Excess calculation (% of the cost to replace)
      25%

3.15. What does the Device Protection Plan exclude?

You may not claim for any of the following:

  • consequential loss
  • cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form
  • damage which existed prior to your period of Free Cover or damage caused by a pre-existing fault
  • damage which is covered under a guarantee or warranty
  • damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust
  • damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct or where your Device was unattended, unless it was locked in a compartment of sight
  • any damage to your Device if it is a prototype
  • theft or damage suffered while you lent or hired your Device to another person
  • theft or damage occurring outside of South Africa
  • theft by false pretenses or scams
  • any issues relating to software whatsoever including any computer virus or accidental deletion
  • any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions
  • the cost of reproducing sound, data and images on tapes, records, film or magnetic media
  • car kits and/or accessories including sim cards
  • loss or damage occasioned by confiscation, detention, commandeering or requisitioning by any lawful authority
  • nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity , nuclear waste, fission and similar processes
  • theft or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence or which is insurable by SASRIA SOC Limited
  • any attempt to perform any of the above acts or events

I’ve been given a 30 days free electronic benefit. What does the Free Benefit include?

Provided you activate the offer, you are have been awarded limited cover for 30 days. During this time, you will be given a R500 contribution towards the repair or replacement of your Device in the event that:

  • If your screen CRACKS, or
  • If your device sustains WATER DAMAGE
  • POWER SURGE damage, or
  • If one of your OUT OF WARRANTY COMPONENTS malfunctions

3.17.Can I use the Free Benefit to repair another Device which has broken?

No. The Free Benefits are attached the Device which you recently repaired or purchased. You can’t give the Free Benefits to anyone else and you can’t use the Free Benefit for a different Device.

3.18. How do I activate the Free Benefit?

If you’ve been awarded Free Benefits from one of our participating partners, you must follow the instructions provided to you. You must activate the Free Benefits within 48 hours of receiving the instructions.

You will be required to provide us with a few details about yourself and your Device. You’ll also need to set a password for your Click2Sure Account from which you’ll be able to manage your Free Benefit Documents, claim under your Free Benefits and upgrade to a Protection Plan if you wish.

3.19. How do I claim my Free Benefit?

You may lodge a claim from your Click2Sure Account for a contribution towards its repair or, in some instances, its replacement. The claim must be lodged prior to the expiry of the Free Benefit Period.

  • Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any supporting documentation.
  • You’ll be given a reference number and will be directed to one of our authorised repair centres where you must take your damaged Device within 7 days.
  • In some cases, depending on the kind of Device and the kind of damage, we may not be able to refer you to a repair centre. In this case, you will receive a contribution towards the replacement of your device.
  • Our Authorised Repair Center will give you a quote on the repair which will also reflect the contribution from this Free Cover. If your repair costs more than R500, you will be awarded a fixed contribution of R500 towards the repair. If the repair costs less than R500, the contribution is limited to the cost of that repair
  • If you decide to proceed with the repair, you will be responsible for paying the balance of the repair costs to the Authorised Repair Center. The contribution portion will be paid directly to the Authorised Repair Center and may not be exchanged for cash. If you do not take your Device to our Authorised Repair Center within the 7 day period, the Free Benefit shall expire and will no longer be paid.

3.20. How many times may I claim under my Free Benefit?

You may claim once.

3.21. What does the Free Benefit exclude?

You may not claim the Free Benefit for any of the following:

  • if your Device is lost or stolen
  • for any cosmetic damage / wear and tear / scratches on your Device
  • for damage which existed or occurred prior to your Free Cover or damage caused by a pre-existing fault
  • for damage which is covered under a guarantee or warranty
  • for damage caused by scorching, charring, melting, burning or smoke or damage caused by vermin, insects, animals, domestic animals, damp, corrosion, decay, mildew or rust
  • for damage arising from any issues relating to software
  • for damage arising from any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions

3.22. How do I upgrade my Free Benefit to a Protection Plan?

If you’ve been awarded Free Benefits from one of our participating partners and you wish to upgrade, you can do so in a few ways:

  • You can upgrade immediately while you’re activating your Free Benefit. The benefit of doing this is that you’ll get peace of mind that your Device is covered up to its full value.
  • You can upgrade at any point during your 30 days Free Benefit period. Log into your Click2Sure Account, find your Free Benefit policy and click on the upgrade option.
  • You can upgrade on the expiry of your 30 days Free Benefit period or up to 7 days thereafter. Log into your Click2Sure Account, find your Free Policy and click on the upgrade option.

4. MY EXTENDED WARRANTY AND SURGE PLAN



4.1. Can I get a Device Protection Plan for my new Device?

Yes. If you have purchased your Device from one of our Participating Partners, you can choose an appropriate Click2Sure Protection Plan to protect against the risks associated with that Device.

4.2. Can I get an Electronic Device Protection Plan for the Device I already use?

If your device is not new, you will not be eligible for an Electronic Device Protection Plan.

You may, however, be able to purchase one of our Gadget Protection Plans which are available on certain used devices / appliances. Please contact us at hello@click2sure.co.za to find out whether you are eligible for a Gadget Protection Plan. If so, you’ll be directed to an Authorised Repair Centre to verify that your device / appliance is in good working order.

4.3. What does the Protection Plan include?

Your Device is covered from the date that the manufacturer’s warranty expires on your Device for 12 months for any defects in materials or workmanship which would have been covered under that manufacturer's warranty. You may choose to add cover for Surge Protection. If you add this cover, you will be covered from the date that you purchase this Protection Plan, for 24 months for any damage caused by a Power Surge (provided your Device was properly connected to a surge protector when the damage arose).

4.4. How much will I pay?

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you to find out how much you will pay. It’s easy. Just capture the details of your Device and you’ll be given a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process. If you have not purchased a Device from a Participating Partner but you would like to enquire about a Click2Sure extended warranty, please email us at hello@click2sure.co.za. Please include the details of your Device and we’ll see what we can do to help.

4.5. How do I pay?

You will be required to pay your premium as a once off credit card payment.

4.6. Who insures my Device?

The extended warranty on your Device is underwritten by Guardrisk Limited, a registered Insurer and licenced FSP with FSP licence number 75

4.7. Where can I purchase a Device Protection Plan?

If you have purchased your Device from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you.

You must purchase the Click2Sure Protection Plan within 7 days of purchasing your Device.

4.8 .How do I purchase a Device Protection Plan?

If you have purchased your Device from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to you. You must purchase the Click2Sure Protection Plan within 7 days of purchasing your Device. You will be required to provide us with a few details about yourself and your Device.

You’ll also need to set a password for your Click2Sure Account from which you’ll be able to manage your Protection Plan, lodge claims and purchase other products.

4.9. Am I covered for the same amount I purchased the Device for?

No. Because the value of your Device depreciates with age, the Insurer’s liability for the repair or replacement of that Device also reduces over time. Please consult your Terms and Conditions to find out more about the Insurer’s maximum liability in the event of a claim.

4.10. How do I lodge a claim under my Device Protection Plan?

  • Lodge a claim from your Click2Sure Account within 48 hours and explain the problem.
  • You’ll need to provide all supporting documentation
  • You’ll be directed to take your damaged Device to one of our Authorized Repair Centres
  • Depending on which Repair Centre is appropriate for your claim, you may be required to pay the Authorized Repair Centre for the repair in which case, you will be reimbursed. In other cases, we will pay the Authorized Repair Centre directly. Your obligations will be communicated to you when you lodge a claim.

4.11.What excess will I be required to pay on claiming?

You will not be required to pay an excess on claiming.

4.12. What does the Device Protection Plan exclude?

You may not claim for any of the following:

  • if you have fraudulently described or materially misrepresented anything in relation to this Protection Plan;
  • any product purchased outside of RSA
  • consequential loss
  • theft, loss or irretrievable Devices
  • damage caused by your negligence, carelessness or wilful conduct
  • cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form
  • damage which existed prior to your Protection Period or damage caused by a pre-existing fault
  • or insects, battery leakage or act of nature
  • accidental damage from handling your Device such as damage from drops, spills and liquid damage
  • damage from any cause other than normal use and operation of the Device in accordance with the manufacturer’s specifications and owner’s manual, including damage from misuse, improper electrical/power supply, any weather conditions, fire, rust, corrosion, failure to properly clean or maintain, vermin animals or insects, battery leakage or act of nature
  • damage caused by any issues relating to software whatsoever including any computer virus or accidental deletion
  • we have specifically agreed to cover one of these malfunctions
  • any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions
  • nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity, nuclear waste, fission and similar processes

5. MY DRONE PROTECTION PLAN



5.1. How do I get a Drone Protection Plan?

If you have purchased your DJI Drone from one of our Participating Partners, you can choose an appropriate Drone Protection Plan to protect your new drone against damage and/or theft & loss. Your drone must be new to be eligible for the cover.

If you have not purchased your drone from a Participating Partner but you would like to enquire about Click2Sure cover, please email us at hello@click2sure.co.za . Please include the details of your drone and we’ll see what we can do to help.

5.2. Can I get a Protection Plan for my Drone if it isn’t a DJI Drone?

No. The Plan only applies to DJI models purchased from one of our Participating Partners.

5.3. What does the Drone Protection Plan include?

If you choose the Basic option, your drone will be covered for:

  • Accidental damage from a drop
  • Accidental squeezing
  • Accidental crashing

If you choose the Platinum option, your drone will be covered for:

  • Accidental damage from a drop
  • Accidental squeezing
  • Accidental crashing
  • Theft / loss. This does not cover loss / theft during a flight, for example, if you fly it into the ocean.

Please refer to the exclusions section to understand what you are not covered for.

5.4. How much will I pay?

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you to find out how much you will pay. It’s easy. Just capture the details of your drone and you’ll be given a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process.

If you have not purchased your drone from a Participating Partner but you would like to enquire about Click2Sure cover, please email us at hello@click2sure.co.za . Please include the details of your Drone and we’ll assist you with a quote.

5.5. Important Conditions to be aware of

Here’s a summary of some important terms:

  • You must activate the cover before flying the drone or no later than the first 5 minutes of recorded flight time.
  • Keep a copy of your invoice safe - you’ll need it to claim
  • Keep a copy of your RPL or competency course safe. Click2Sure can recommend a training institution to you
  • Don’t turn your flight recording off. You’ll need to provide a record of the last flight if you claim.
  • Your first 5 hours of recorded flight time, i.e. while you practice, is excluded from the cover
  • You may claim up to 3 times and the total claims cannot exceed the coverage amount which you have chosen
  • The Plan only covers you. It won’t cover the drone if your friend causes the damage or loss
  • The Plan will not provide cover if you fly in unsuitable conditions or contravene any laws / regulations

There are additional conditions and exclusions which are important to understand. Please read the accompanying Terms and Conditions to fully understand what you are covered for.

5.6. How can I pay the Premium?

Depending on what is more convenient for you, you can pay your Premium as a once off amount or as a monthly amount for 12 months cover. If you pay your Premium monthly, Click2Sure will issue a debit order via your bank account.

5.7. How long am I covered for?

The Drone Protection Plan will cover you for a period of 12 months.

5.8. Who insures my Drone?

Your drone is insured by Guardrisk Limited, a registered Insurer and licenced FSP with FSP licence number 75.

5.9. How soon do I need to purchase the Drone Protection Plan after getting my Drone?

You must purchase and activate the cover before flying the drone or no later than the first 5 minutes of recorded flight time.

5.10. How do I purchase a Drone Protection Plan?

If you have purchased your drone from one of our Participating Partners and you wish to purchase a Click2Sure Protection Plan thereon, follow the instructions provided to before you fly the drone (or no later than 5 minutes after your first recorded flight time).

You’ll need to set a password for your Click2Sure Account from which you’ll be able to manage your Drone Protection Plan, lodge claims and purchase other products.

5.11. How long do I need to wait before I can claim under the Drone Protection Plan?

The first 5 hours of recorded flight time is excluded from cover. This means that if anything happens during your first 5 hours of practice time, you cannot claim.

In order to claim, you must also show that you have completed a recognised Remote Pilot Licence (RPL) or a recognised competency course with a SACAA approved training Institution.

5.12. How do I lodge a claim under my Drone Protection Plan?

  • Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any certain supporting information including your flight record, a copy of your training and a copy of your original invoice.
  • If your device has been damaged, you’ll be given a reference number and will be directed to one of our Authorised Repair Centres where you must take your damaged drone within 7 days.
  • You may be required to pay the Authorised Repair Centre for the repair in which case we will reimburse you. In other cases, we will pay the Authorised Repair Centre directly. This will be communicated to you when you lodge a claim.

Please consult your Terms and Conditions for more information on the claim process.

5.13. What excess will I be required to pay on claiming?

Your excess will be determined depending on how much it costs to fulfil your claim in accordance with the following:

  • Damage Claim:
    1st claim lodged w/in 15 hours flight time:
    Any claim lodged after 15 hours flight time:
    20% of the cost to repair or replace Drone
    10% of the cost to repair or replace Drone (subject to minimum of R250)
  • Theft / Loss Cover All Claims:
    25% of the replacement cost

5.14. What does the Drone Protection Plan exclude?

You may not claim for any of the following:

  • loss or theft or partial loss or theft of your drone or any of the accessories during flight
  • any damage caused to your drone if you were flying in unsuitable flight conditions or flying in contravention of any rule or regulation issued by the South African Civil Aviation Authority or any other regulations applicable to flying your drone
  • any damage, loss or theft of your drone occurring while performing or attempting to perform or assisting to perform any crime whatsoever
  • any damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct
  • any water damage caused to your drone whatsoever
  • any cosmetic damage / wear and tear / scratches, reduction in value or depreciation in any form, including the cost of replacing or repairing your Drone’s battery, propellers, remote controller or any other accessories
  • damage or loss caused by any conditions which qualify as force majeure (meaning an “act of God”) such as a natural disaster
  • consequential loss, indirect loss or loss of profits whatsoever
  • damage, loss or theft if your drone was left unattended, unless it was locked in a compartment of sight
  • damage, loss or theft suffered while you lent or hired your drone to another person
  • any costs incurred in relation to any enhancements or performance improvements on your drone
  • damage which is covered under a guarantee or warranty
  • any damage to your drone if it is a prototype
  • any costs incurred or liability arising from personal injury or damage to property caused by your drone whatsoever
  • any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions
  • loss or damage occasioned by confiscation, detention, commandeering or requisitioning by any lawful authority
  • nuclear events involving nuclear weapons and/or other material and substances, ionization, contamination, radiation or radioactivity, nuclear waste, fission and similar processes
  • theft or damage resulting from political or non-political riot, strike or civil commotion, public disorder, war, invasion, terrorism or public violence or which is insurable by SASRIA SOC Limited

5.15. I’ve been given a Free Benefit on my Drone, what does the Free Benefit include?

Provided you activate the free benefit according to the instructions, the free benefit will kick in after you have flown your Drone for at least 5 hours of recorded flight time. The free benefit expires 30 days after you active the free benefit.

During the covered period, you will be given a specified contribution towards the repair or replacement of your Drone in the event that your Drone sustains:

  • accidental damage from a drop
  • accidental squeezing
  • accidental crashing

The benefit does not cover you for any other risks such as theft / loss or any kind of water damage. The benefit also does not cover you for damage arising from any of the exclusions listed in the T&Cs provided to you.

5.16. How do I activate the Free Benefit?

If you’ve been awarded Free Benefits from one of our participating partners, you must follow the instructions provided to you. You must activate the cover before flying the drone or no later than the first 5 minutes of recorded flight time.

You will be required to provide us with a few details about yourself and your Drone. You’ll also need to set a password for your Click2Sure Account from which you’ll be able to manage your Free Benefit Documents, claim under your Free Benefits and upgrade to a Protection Plan if you wish.

5.17. How do I claim my Free Benefit?

You may lodge a claim from your Click2Sure Account for a contribution towards its repair or, in some instances, its replacement. The claim must be lodged prior to the expiry of the Free Benefit Period.

  • Log in to your Click2Sure online account and lodge a claim within 48 hours of the incident occurring. You’ll need to tell us what happened and provide any supporting documentation. This will include your flight record, a copy of your training and a copy of your original invoice.
  • You’ll be given a reference number and will be directed to one of our authorised repair centres where you must take your damaged Device within 7 days.
  • In some cases, depending on the kind of Device and the kind of damage, we may not be able to refer you to a repair centre. In this case, you will receive a contribution towards the replacement of your device.
  • Our Authorised Repair Center will give you a quote on the repair which will also reflect the contribution from this Free Cover. If your repair costs more than R1000, you will be awarded a fixed contribution of R1000 towards the repair. If the repair costs less than R1000, the contribution is limited to the cost of that repair
  • If you decide to proceed with the repair, you will be responsible for paying the balance of the repair costs to the Authorised Repair Center. The contribution portion will be paid directly to the Authorised Repair Center and may not be exchanged for cash. If you do not take your Device to our Authorised Repair Center within the 7 day period, the Free Benefit shall expire and will no longer be paid

5.18. How many times may I claim under my Free Benefit?

You may claim once.

5.19. What does the Free Benefit exclude?

You may not claim the Free Benefit for any of the following:

  • if your Drone is lost or stolen
  • any damage caused within the first 5 hours of recorded flight time
  • any damage caused to your Drone if you were flying in unsuitable flight conditions or flying in contravention of any rule or regulation issued by the South African Civil Aviation Authority or any other regulations applicable to flying your Drone
  • any damage, loss or theft of your Drone occurring while performing or attempting to perform or assisting to perform any crime whatsoever
  • any damage, loss or theft arising from or contributed to by your negligence, carelessness or willful conduct
  • any water damage caused to your Drone whatsoever
  • any cosmetic damage / wear and tear / scratches / any reduction in value or depreciation in any form including the the cost of replacing or repairing your Drone’s battery, propellers, remote controller or any other accessories
  • damage or loss caused by any conditions which qualify as force majeure
  • if you lent or hired your Drone to another person
  • any issues relating to software whatsoever including any computer virus or accidental deletion
  • any mechanical or electrical or electronic breakdowns including any failure of electronic circuitry unless we have specifically agreed to cover one of these malfunctions

5.20. How do I upgrade my Free Benefit to a Protection Plan?

You may upgrade to your own protection plan from your Click2Sure online account at any time during your Free Period or within 7 days after its expiry. Upgrading will allow you to:

  • Protect your Drone for 12 months
  • Add cover for theft & loss
  • Access low premiums and excess payments
  • Manage your policies and claims digitally

There is no obligation to upgrade.

6. FUNERAL BENEFITS



6.1. Choosing a Funeral Plan

Depending on your circumstances, you can choose between the following Plans:

Single Member Plan
If you have chosen this Plan option, it covers only you (the Policyholder). You may add specific Extended Family onto your Plan to cover them too. Any Extended Family you add to your Plan are referred to as Dependents.

Family Plan
If you have chosen this Plan option, it covers you (the Policyholder), one Spouse and up to 6 children. Children can only be covered until they reach the age of 21. You may also add specific Extended Family onto your Family Plan. Your Spouse, children and any Extended Family you have added are referred to as Dependents.

6.2. Who can sign up?

You must be between the ages of 18 - 65 to sign up. You may be a foreign national but you must be permanently resident in South Africa.

6.3. Do I need to name my Dependents when I sign up?

Yes. In order to enjoy cover under the Plan, any Dependents must be identified by name and ID number / Passport Number. Your Dependents may be foreign nationals but must be permanently resident in South Africa.

Pregnancies do not need to be reflected on the Family Plan to qualify for a stillbirth benefit. Stillbirth cover applies only to the Policyholder and/or their insured spouse and only applies after 20 weeks of pregnancy have passed

6.4. Can I add more than one spouse onto the Plan?

No. You may only cover one Spouse on the Family Plan.

A Spouse refers to someone that you have (i) been legally married to in terms of the Civil Marriages Act or the Civil Union Act or (ii) been married to in a customary union recognised in terms of the Recognition of Customary Marriages Act or (iii) lived with for at least 6 consecutive months in a permanent relationship akin to a monogamous marriage.

If you would like to add an additional spouse(s), you may use the Extended Family option to add additional Dependents to your Plan.

6.5. Can I add children who are not my biological children onto my Plan?

You can only add your biological children or children which you have legally adopted under the Family Plan. Pregnancies do not need to be reflected on the Family Plan to qualify for a stillbirth benefit. Stillbirth cover applies only to the Policyholder and/or their insured spouse and only applies after 20 weeks of pregnancy have passed.

If you would like to add an additional children within your family who are in your care to the Plan, you may use the Extended Family option to add additional Dependents to your Plan.

6.6. Can I add extended family members to my Plan

Aunt / uncle Biological sibling of the Policyholder or Spouse
Brother / Sister or Brother-in-Law / Sister-in-Law Biological sibling of the Policyholder or Spouse
Son / Daughter or Son-/Daughter-in-Law Biological child of the Policyholder or Spouse and which do not qualify as a child dependent because of their age
Grandfather / Grandmother Biological parent of a biological parent of the Policyholder or Spouse
Grandson / Granddaughter Biological child of a biological child of the Policyholder or Spouse
Stepfather / Stepmother Spouse of Policyholder’s biological parent
Stepson / stepdaughter Biological child of the Policyholder’s Spouse and which do not qualify as a child dependent
Niece / Nephew Biological child of a biological sibling of the Policyholder
Parent Biological parent of the Policyholder
Polygamous Spouse A subsequent spouse married to the Policyholder in a customary union recognised in terms of the Recognition of Customary Marriages Act

6.7.How much will I pay?

Your Premium depends on the Plan you select and the level of cover which you require.

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you get a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process.

6.8. Can I pay the Premium monthly?

Yes. If you pay your Premium monthly by allowing Click2Sure to collect a debit order from your bank account each month.

6.9. What if I want to adjust my Plan?

We understand that the circumstances in your life may change. You can adjust your cover any time. You can (i) increase your cover level, or (ii) add or remove your additional benefits, or (iii) add or remove your Dependents, or (iv) change your Beneficiary by logging into your Click2Sure account at www.click2sure.co.za/login or by emailing Click2Sure at hello@click2sure.co.za or by phoning Click2Sure on 021 202 9590.

A change in cover level or benefits will only commence on payment of the first premium for that cover. Any waiting periods apply at the commencement of the change in cover level.

6.10. How long will the cover remain active for?

The Plan will remain active until (i) cancelled by the Policyholder; or (ii) the Policyholder dies; or (iii) the Plan has lapsed due to nonpayment of premiums and is not reinstated within 3 months.

If you are a Spouse or child covered on the Plan and the Policyholder dies, the Plan will terminate. You can contact Click2Sure about taking out a new Policy to remain covered.

6.11. What types of death are covered and what are the waiting periods?

The Plan will cover the Policyholder and any Dependents in the event of death due to an accident (immediate cover) or death due to natural causes (after a period of 6 months from the commencement date).

An accidental death is a death resulting directly and solely from bodily injury by an unanticipated accidental or violent event. A natural death is a death resulting from a disease or old age, rather than those related to violence or an accident.

No claim will be paid if the death is a suicide unless 24 months have passed since the commencement of the policy.

6.12. What is excluded under the Plan?

No claim will be paid if the relevant death is caused by or occurs as part of:

  • The participation in any terrorist activity, riot, civil commotion, rebellion or war.
  • Radioactivity or nuclear explosion.
  • Wilful and material violation of any criminal law.
  • Driving while the concentration of alcohol in your blood exceeds the legal limit irrespective of whether this act directly or indirectly results in death.
  • The intentional intake of drugs, narcotics or medication, unless prescribed by a registered medical practitioner and used as prescribed.
  • The refusal of treatment recommended by a registered medical practitioner.

6.13. What happens if a death occurs outside of South Africa?

The cash component of the Plan will be paid whether the relevant death occurs in South Africa or in Zimbabwe, provided that the person’s ordinary place of residence is in South Africa. Ordinarily resident means that the Policyholder and any Dependent reside in South Africa and regard it as your permanent home. If you leave South Africa for more than 3 consecutive months, you will not be regarded as ordinarily resident in South Africa.

Note that the repatriation service, if added, only applies to a death occurring in South Africa. This means that if a person on the Plan dies outside of South Africa, no repatriation services will be available.

6.14.Who will be paid in the event of a death?

Death of the Policyholder: When you sign up, or within 30 days of signing up, you will need to select a Beneficiary so that we know who to pay the Funeral Payout to in the event of a claim for your death. Your chosen beneficiary must be older than 18 years old. You should keep your Beneficiary details up to date. If you have not chosen a Beneficiary, or if we cannot trace your chosen Beneficiary, we will pay the person who paid for the funeral provided that this person is able to prove that he/she paid for the funeral.

Death of a Dependent: As the Policyholder, you will be the Beneficiary for any claim lodged on the death of a Dependent. This means that if a Dependent dies, we will pay the Funeral Payout to you.

6.15. How does the repatriation service work?

For an additional cost, you can choose to add a local or a cross border repatriation service to your Plan.

The same limitations, waiting periods and exclusions that apply to claims on the cash benefit also apply to the provision of the repatriation services and other benefits under the Plan. The Repatriation service only operates for death occurring in South Africa.

The cross border repatriation service includes repatriation of the body from anywhere in South Africa to Zimbabwe, Malawi, Botswana, Kenya, Swaziland, Zambia, Angola, Lesotho, Namibia, Uganda and Mozambique. Where the country of burial is a neighbouring country, transport will be by road. Transportation includes a single relative to accompany the body. Where the country of burial is not a neighbouring country, transport will be by air to the main airport in the Capital City. No arrangement will be made for a relative to accompany the body and the family will need to appoint an undertaker at its own cost to act as consignee from the airport.

Please consult your T&Cs for a full description of what the local & cross border services include.

6.16. Who should lodge a claim?

When claiming for a Dependent who has died, the Policyholder must claim.

When claiming because the Policyholder has died, the nominated beneficiary must lodge the claim. In the event that no beneficiary was nominated, the person responsible for your funeral may claim but will need to submit proof that he/she paid for the funeral.

6.17. How to lodge a claim:

Step 1: Report the death to Home Affairs
Step 2: Notify Click2Sure / the Repatriation Provider
Step 3: Provide all documentation
For a full description on this process, please consult the Click2Sure website or your T&Cs.

6.18. How soon will claim be paid?

Successful claims will be paid within 48 hours of receiving all documentation.

6.19. Who is the insurer?

Policies are underwritten by Guardrisk Life Limited, a registered Insurer and licenced FSP with FSP licence number 76.

7. LIFE BENEFITS



7.1. Who can sign up?

You must be between the ages of 18 - 65 to sign up. You may be a foreign national but you must be permanently resident in South Africa.

You must truthfully answer the questions included in the sign up process. If you have not provided truthful information, no benefit will be paid and the insurer will be entitled to terminate your Policy.

7.2. Level of Cover?

You should choose the level of life cover which you need when you sign up. You can increase this at any time by logging into your Click2Sure account at www.click2sure.co.za/login or by emailing Click2Sure at hello@click2sure.co.za or by phoning Click2Sure on 021 202 9590.

A change in cover level or benefits will only commence on payment of the first premium for that cover. Any waiting periods apply at the commencement of the change in cover level.

7.3. How much will I pay?

Your Premium depends on your age and the level of cover which you require.

If you have been told about Click2Sure by one of our Participating Partners, follow the instructions provided to you get a quote instantly. If you are not satisfied with the quote, nothing obliges you to continue with the signup process.

7.4. How will I pay the Premium each month?

Click2Sure will collect a debit order from your bank account for the premium each month.

7.5. How long will the cover remain active for?

The Plan will remain active until (i) cancelled by the Policyholder; or (ii) the Policyholder dies; or (iii) the Plan has lapsed due to nonpayment of premiums and is not reinstated within 3 months.

7.6. What types of death are covered and what are the waiting periods?

The Plan will cover the Policyholder in the event of death due to an accident (immediate cover) or death due to natural causes (after a period of 6 months from the commencement date).

An accidental death is a death resulting directly and solely from bodily injury by an unanticipated accidental or violent event. A natural death is a death resulting from a disease or old age, rather than those related to violence or an accident.

No claim will be paid if the death is a suicide unless 24 months have passed since the commencement of the policy.

7.7. What is excluded under the Plan?

No claim will be paid if the relevant death is caused by or occurs as part of:

  • The participation in any terrorist activity, riot, civil commotion, rebellion or war.
  • Radioactivity or nuclear explosion.
  • Wilful and material violation of any criminal law.
  • Driving while the concentration of alcohol in your blood exceeds the legal limit irrespective of whether this act directly or indirectly results in death.
  • The intentional intake of drugs, narcotics or medication, unless prescribed by a registered medical practitioner and used as prescribed.
  • The refusal of treatment recommended by a registered medical practitioner.

7.8. What happens if a death occurs outside of South Africa?

The claim will be paid whether the relevant death occurs in South Africa or in Zimbabwe, provided that the policyholder’s ordinary place of residence is in South Africa. Ordinarily resident means that you reside in South Africa and regard it as your permanent home. If you leave South Africa for more than 3 consecutive months, you will not be regarded as ordinarily resident in South Africa.

7.9. Who will be paid in the event of a death?

When you sign up, or within 30 days of signing up, you will need to select a Beneficiary so that we know who to pay the Funeral Payout to in the event of a claim for your death. Your chosen beneficiary must be older than 18 years old. You should keep your Beneficiary details up to date. If you have not chosen a Beneficiary, or if we cannot trace your chosen Beneficiary, we will pay the Life Payout as directed by the executor of your estate or as directed by a court of law, if applicable, provided that the executor / relevant person lodges a claim or is able to be traced.

7.10. Who should lodge a claim?

The nominated beneficiary must lodge the claim.

7.11. How to lodge a claim:

Step 1: Report the death to Home Affairs

Step 2: Notify Click2Sure / the Repatriation Provider within 90 days of the death

Step 3: Provide all documentation

For a full description on this process, please consult the Click2Sure website or the T&Cs. Alternatively, please contact Click2Sure for further assistance.

7.12. How soon will claim be paid?

Successful claims will be paid within 7 - 10 business days of receiving all documentation.

7.13.Who is the insurer?

Policies are underwritten by Guardrisk Life Limited, a registered Insurer and licenced FSP with FSP licence number 76.

How do I get Click2Sure cover?