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All short-term personal lines policies have coverage limits on the policy which do not always cover your client’s claim.

www.riskbuster.co.za

Benefits
1) Protect your client – So that he is not left with a shortfall after his loss
2) Protect your client – Against unforeseen application of average
3) Riskbuster provides 30 advanced extensions in addition to basic extension buster
4) Riskbuster will pay up to R10 000.00 on an average shortfall claim.
5) Riskbuster follows your client’s underlying policy terms and conditions
6) Riskbuster follows your Insurers decision – no further assessments are required

Riskbuster Cover Extensions (Follows any Extension under your policy)

Riskbuster: Fill-up Extension Buster Fills up any shortfall you have under your claim to our policy limit. This applies to ALL extensions that you have on your policy

Example: Stolen Handbag with car keys inside?

Replacement Cost

R15 000.00

Your policy pays?

R5 000.00

Riskbuster pays

R10 000.00

Riskbuster: I forgot cover

Forgot to Insure item?

R10 000

Your policy does not pay?

R0.00

Riskbuster pays

R5 000.00

Items that you purchase and forget to
insure on your current policy.

Water Pipe Burst
Municipal Penalty applies

Water Account

R12 500

Your Policy Pays

R5 000

Riskbuster Pays

R7 500

Stolen Washing
You return from Holiday with lots of
washing on the washing line!!

Washing Value

R15 000

Your policy pays

R5 000

Riskbuster Pays

R10 000

Mom just bought month-end Groceries,
and while traveling home was involved in a
accident and hospitalized – Groceries
Stolen.

Groceries Cost

R8 500

Your Policy Pays

R5 000

Riskbuster Pays

R3 500

Riskbuster: All Risk cover
Example: Unspecified and Specified items
shortfalls

Specified item value?

R10 000.00

Your Sum Insured?

R5 000.00

Riskbuster will pay

R2 500.00

  • Document Cover
  • Children’s School sports bag
  • Cell Phones

Actual Example:
Clients cell phone was specified for R10 000
Client’s quote was R15 000.00
Client cover was R5 000 Short
Riskbuster paid in R2 500.00
Riskbuster: Average buster (non-Motor)
Riskbuster: Under-Insured buster (Motor)

Burst Geyser plus Ceiling Damage?

New Geyser

R15 000

Your Policy pays

R10 000

Riskbuster Pays

R5 000

Riskbuster: All Risk cover
Example: Unspecified and Specified items
shortfalls

Specified item value?

R10 000.00

Your Sum Insured?

R5 000.00

Riskbuster will pay

R2 500.00

  • Document Cover
  • Children’s School sports bag
  • Cell Phones

Actual Example:

Cell phone was specified

R10 000

Clients Quote

R15 000

Client Lost

R5 000

Riskbuster Paid in

R2 500

Example: We pay Average

Your property value

R500 000

Your Sum Insured

R250 000

Your Loss

R50 000

Your Insurer pays

R25 000

You loose

R25 000

Riskbuster Pays you

R10 000


Motor Incorrectly Insured

  • Incorrect M&M code used

Vehicles correct value

R150 000

Vehicle Ins Value

R130 000

Clients Loss

R20 000

Riskbuster contributes

R10 000

Fridge Contents: Actual Example
The client is an annual Hunter and had venison to the value of R20 000 in his freezer.

The Electrical feed failed, and the freezer did not start again.

Meat Value

R20 000

Clients’ policy

R5 000

Riskbuster Paid

R10 000

Riskbuster Cover will FILL-UP the shortfall on your underlying policy extensions irrespective of what your policy’s limit is – as long as you are left with a shortfall on your claim.

B) Riskbuster has 31 Advanced Extensions

1 Jamming Cover – Unattended vehicle
Unspecified

2 Jamming Cover – Unattended vehicle
specified

3 Non-Forcible Householders cover

4 Windscreen & Mirror Cover (tpft & tp)

5 Headlight Cover (Tpft & Tp) & within excess

6 Scratch & Dent Cover

7 Pothole Cover Standard Option

8 Basic Excess buster

9 Secondary Excess buster

10 Car-hire Buster (if you do not have car-hire)

11 Car-hire excess buster

12 Car-hire extender cover

13 Breakdown towing cover (mech & Elect)

14 Personal Accident

15 Retrenchment Buster

16 Vehicle Deposit buster

RISKBUSTER COVER PROVIDES UNIQUE EXTENSIONS WHICH ADD VALUE TO ANY POLICY

17 Identity Theft Cover

18 Vehicle Repatriation

19 Vehicle Parts and Accessories

20 Vermin Damage (vehicle & house contents)

21 Pets Damage – Upholstery Cover

22 Bicycle cover off premises

23 Cover Assist Top-up

24 Power Surge

25 Office Contents at home

26 Fuel Dispensing

27 House Owners drains & sanitary (tree roots)

28 White Goods breakdown

29 Betterment applied to tyres

30 House Owners – Geyser Relocation

Specific covers which we provide which are

1) Not available in the market, OR
2) Will cost you extra premium to buy

RISKBUSTER PRICING

Executive Riskbuster

R350.00

Classic Riskbuster

R250.00

Full Packages – Refer to limits

GENERAL MARKET PRICED PRODUCTS

Car-Hire

R100.00

Excess Waiver

R100.00

Scratch and Dent

R125.00

And many other cover costs