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Add on Benefits

 

 

The CIB Personal Lines product boasts a number of additional features and benefits.
Please note that these additional features are OPTIONAL and therefore need to be requested for inclusion on the policy. 

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CIB Emergency Home Assistance

 

By contacting the CIB EMERGENCY NUMBER on 0860 104 952, you will have access to all of the following value added services, 24 hours a day, 365 days of the year.

The CIB EMERGENCY HOME ASSISTANCE Service is designed to assist you with emergency household problems and offers you a 24 hour service for the following:

The call-out fee, plus one hour's labour, will be covered.
Cover is limited to two cases per annum

 

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CIB Roadside Assistance

CIB ROADSIDE ASSISTANCE will assist you with towing and other services should you experience:

It is important to note that the costs of repair and/or replacement will be borne by yourself in any circumstance other than a motor accident/collision, in which case the cost of repair is covered under a comprehensive motor policy subject to the terms and conditions of the policy.

This CIB service also includes relaying messages on your behalf should the circumstances require. Should you be unavoidably stranded at night outside a radius of 100km from your home, due to any of the above listed incidents, CIB will pay for overnight accommodation limited to an amount of R400 per incident and will also arrange for the safe storage or repatriation of the insured vehicle.

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Directors' & Officers' Liability

 The SMME Directors' and Officers' cover forms part of CIB's commercial offering. The Director's liability cover is the first policy designed to cater for the New South African Companies Act as it addresses the personal liability needs of directors and managers.

This add-on product provides directors with protection against personal liability and the basic features include the following:
    • Direct personal liability (nil excess)
    • Company indemnification (nil excess)
    • Defence and litigation expenses
    • Director's employment related suits
    • Advancement of costs for non-indemnifiable events
 
Automatic Extensions include:
    • Estates heirs and legal representatives liability
    • Defamation
    • Coverage for newly created or acquired subsidiaries
    • Investigation and enquiry costs
 
Enhancements:
• Defense costs for allegations of criminal acts, wilful breaches of trust, wilful misconduct, reckless trading, and breaches of authority in accordance with the Act
• Increased major shareholder protection
• Subsidiaries as defined in the New Companies Act
• Directors personal liability for employment related wrongful acts including emotional distress for employment related matters
• Failure to supervise carve-back on professional indemnity exclusion
• Bodily injury exclusion limited to direct losses i.e. providing cover for indirect claims

Please note that this is not a standalone product and must be added onto a commercial policy. This is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the Directors and Officers policy wording