• Your house and its outbuildings.
• Your household contents.
• Your personal effects and valuables.
• Motor vehicles and/or motorcycles (with various car hire options available).
• Boats, caravans and/or trailers.
• Personal liability and
• Personal injury.

• Your house and its outbuildings.
• Your household contents.
• Your personal effects and valuables.
• Motor vehicles, motorcycles, caravans and/or trailers(with various car hire options available).
• Small craft (ie domestic watercraft).
• Personal liability and
• Personal injury.

• MyCover Direct Assist
• MyCover Direct Expo-sure
• MyCover Direct Cashback Plus

Nedbank's comprehensive homeowner's insurance protects your home and family against unpredictable events to help you fulfil your dream as a homeowner. Your property is covered for:

• Subsidence and landslip (automatically included in the cover).
• Rent or alternative accommodation in the event of the insured residence becoming uninhabitable following an insured loss.
• Cover for damage to your home following the bursting, leaking or overflowing of a geyser.
• Break-in or theft or any attempt thereat.
• Breakage or collapse of radio or television aerials, masts and satellite dishes.
• Accidental breakage of fixed glass, fixed mirrors and fixed sanitary ware.
• Hiring of guards to prevent further loss in the event of an insured loss occurring.
• Damage to your garden caused by an insured event.
• Legal liability to other parties for accidental death, bodily injury or illness or physical damage to tangible property.
• The payment of a limited amount into the bond account on the death of the insured person.
• Cover in respect of building materials, fixtures and fittings while new erections or structural alterations and additions are being carried out:
  • loss of water following leaking or bursting of pipes;
  • mechanical or electrical breakdown of pumps, motors, distribution boards, etc; and
  • cost of removal of trees following an insured event.

Homeowner's insurance lets you, as the homeowner, be safe in the knowledge that your investment is protected.

Whether your geyser bursts or you're the victim of flooding or fire, homeowner's insurance will allow you to get help quickly. Our contact list of preapproved suppliers will provide you with a convenient and effective solution should you experience any unexpected events.

Not only is our product competitively priced, but we also increase your insured value with the inflation rate to eliminate your risk of being underinsured. All that – and we even make contributions to help combat climate change on your behalf. A customised product to cover all your needs comprehensively.

Why get homeowner’s insurance?

• It protects you against unexpected financial losses. For example, when your geyser bursts, Nedbank's homeowner's insurance will automatically cover the cost.
• With Nedbank's preapproved suppliers (eg carpenters, electricians and plumbers) you get quick, efficient service.
• You have access to a convenient 24-hour emergency client care phone line for claim settlements.
• You enjoy competitive rates.
• It is the only home insurance policy that donates money on your behalf to help combat climate change, at NO extra cost to you.

Keep your home and your finances protected.

Phone 0860 111 787 for more information.

To view the Conflict of Interest Management Policy, click here .

Our BondAssurance plan is designed to provide you and your family with maximum flexibility while providing the best risk cover for your home loan. Death, disability and illness are all covered. No need to worry about monthly instalments, BondAssurance has got your back.

These are the benefits:

• It is easy to apply.
• No medical or HIV testing is required.
• Tailor made home loan assurance relieves the homeowner of 
  bond repayments in the event of: -
  - injury or illness;
  - the homeowner's death.
• The level of security can be adjusted to accommodate budgetary and/or home loan increases.
• Home loan assurance ensures that financial resources are not compromised by unsettled home loan obligations.
• Up to three months' free death cover applies pending bond registration.
• In the case of a valid Instalment Protector claim all premiums will be waived while the homeowner is unable to follow his or her own occupation.
• Full death benefit applies, even if the Instalment Protector benefit has been claimed.
• In the case of a valid Instalment Protector claim those benefits that were due in the 90-day working period will be paid in arrear.

Death Benefit

BondAssurance pays out a benefit equal to the amount specified in the plan upon the death of the bond holder. Should the amount paid out exceed the amount of the home loan, the excess funds will be available in the home loan account.

Installment Protector Benefit

Injury or illness may prevent you from being able to cover your bond instalments. Should you be unable to work for 90 days or more, BondAssure can ease your burden by covering the monthly loan instalments during your inability to work. BondAssure has two different options offering full comprehensive cover over a benefit period or a slightly reduced and more affordable cover option for 24 months. Either way, you get time to get back on your feet to be able to pay off your home loan.  

Our BondAssurance plan is designed to provide you and your family with maximum flexibility while providing the best risk cover for your home loan. Death, disability and illness are all covered. No need to worry about monthly instalments, BondAssurance has got your back.

These are the benefits:

• It is easy to apply.
• No medical or HIV testing is required.
• Tailor made home loan assurance relieves the homeowner of 
  bond repayments in the event of: -
  - injury or illness;
  - the homeowner's death.
• The level of security can be adjusted to accommodate budgetary and/or home loan increases.
• Home loan assurance ensures that financial resources are not compromised by unsettled home loan obligations.
• Up to three months' free death cover applies pending bond registration.
• In the case of a valid Instalment Protector claim all premiums will be waived while the homeowner is unable to follow his or her own occupation.
• Full death benefit applies, even if the Instalment Protector benefit has been claimed.
• In the case of a valid Instalment Protector claim those benefits that were due in the 90-day working period will be paid in arrear.

Death Benefit

BondAssurance pays out a benefit equal to the amount specified in the plan upon the death of the bond holder. Should the amount paid out exceed the amount of the home loan, the excess funds will be available in the home loan account.

Instalment Protector Benefit

Injury or illness may prevent you from being able to cover your bond instalments. Should you be unable to work for 90 days or more, BondAssure can ease your burden by covering the monthly loan instalments during your inability to work. BondAssure has two different options offering full comprehensive cover over a benefit period or a slightly reduced and more affordable cover option for 24 months. Either way, you get time to get back on your feet to be able to pay off your home loan.  

Injury, disability, illness or death may leave you unable to work and earn an income to help you cover your assets, your car included. Nedbank Vehicle Finance Assurance covers the entire car finance in the event of death. Should you be unable to work for a period exceeding 30 days, your instalments are covered until you are better and able to work.  Retrenchment triggers a maximum of 6 months instalment cover should you have been employed for 12 consecutive months prior to your retrenchment.

Plan Benefits

• Credit protection in the event of death, disability and redundancy for vehicle finance clients
• Ensures peace of mind for the Nedbank client and his or her family
• No medicals or HIV testing required
• Plan owner only pays for level of cover required
• Residual cover optional
• Cover amount linked to loan amount

Plan Features 

Premium 

R1,49 per R1 000, calculated on the outstanding balance 
(Is this still correct?)

Death benefit 

An amount equal to the outstanding balance of the vehicle finance loan agreement will be paid upon death. 

Disability benefit 

If you are unable to work for a period exceeding 30 days due to injury or illness, and are not earning any other income, your Nedbank Vehicle Finance Assurance will cover your monthly instalments.

Retrenchment benefit 

In the unfortunate possibility of your retrenchment after a minimum period of 30 days of continuous employment, you may be eligible to receive up to six months of vehicle finance instalment cover for your loan.

An overdraft facility is a great tool. You can access that little bit of extra cash when you need it most. We know that sometimes we all need access to a little more money to cover unexpected events and little surprises. That’s where Overdraft Assurance comes in. We want to help you cover your little excess in case you become redundant, suffer injury or illness, or pass away. With a small monthly contribution of Rx.xx per R1000 per month of overdraft facility usage, you can protect yourself and your family from overdraft debt repayment obligations.

Here are some of the Plan Features of our Overdraft Assurance Policy

• Death benefit
  On death an amount equal to the recorded overdraft limit, but not exceeding R50 000, will be credited to the plan owner’s current account.
• Disability benefit
  If the plan owner, due to illness or bodily injury, cannot earn his or her normal income from his or her own occupation for a period of more than 30 days, he or she will receive up to six monthly instalments, which are each equal to 17,5% of the overdraft.
• Retrenchment benefit 
  In the event of retrenchment and after a period of 30 days' continuous unemployment, the plan owner will receive up to ten monthly instalments(up to a maximum of R30,000), which are each equal to 10% of the recorded overdraft limit, while the plan owner remains unemployed.
• Claims 
  In the case of a valid claim, benefits will be credited to the plan owner’s current account held with Nedbank.

Death is one of those certainties in life no one likes to talk about. Paying for it is an even harder pill to swallow. Our Funeral Plan will help take away some of the fear. We want you, your life partner or your family to be able to cover the costs associated with the unfortunate departure of a loved one. 
Plan Benefits

• Instant accidental death cover for you and your family from the date you pay your first premium.
• Skipping a premium – after paying your premiums for a full two years you get the benefit of skipping a premium once every year.
• No medical examinations or HIV tests.
• Premium Refund, if you or your life partner should die from natural causes during the six month waiting period your premiums paid will be refunded.
• Claim payouts that are tax-free.
• Cover for your whole life , provided you pay your premiums.
• Cover for additional children added when they are born.
• Flexibility to change your level of cover to suit your budget and needs.
• Cover for your extended family members if you are responsible for their funeral costs.
• Value for Life (policies issued after 11/08)

The Nedbank Funeral Plan provides you with a variety of benefits. As long as you pay your premiums, you enjoy access to a range of services and discounts, which you can use in your everyday life. You, your life partner, dependent, children and domestic worker have access to the following benefits:

• funeral support services;
• trauma, assault and HIV services;
• legal services;
• personal health advisory services; and
• discount on magazine subscriptions, luxury bus liner tickets, movie tickets, prepaid airtime, CDs and DVDs.

Plan Features

• Premium
  From R24.50 per month.
• Death
  On death the amount of cover stated on the policy schedule will be paid out in one lump sum.
• Claims
  Settlement of all valid claims within just 48 hours of receiving all the required documentation and account details.
• Maximum flexibility with a choice of three plans:
• An individual plan that covers only you.
• An immediate family plan that covers you, your life partner and up to five children.
• An extended family plan that covers up to four parents and parents-in-law and up to four extended family members.
• You can select a cover amount to suit your needs and budget:
• R5 000 or R10 000 or R15 000 or R20 000 cover.

We want you and your family be sure that everything is going to be alright. Our Funeral Gold Plan covers accidental and terminal illness deaths while also allowing you the flexibility to skip premiums and benefit from cash back and yearly increases to your cover amount over and above the rise in your premiums. Below are the plan benefits and features we provide to help you and your family deal with the departure of a loved one.
Plan Benefits
Why this is Nedbank’s premier funeral plan:

• Cashback benefit
  You pay the premiums, so why not enjoy some of the benefits? The Funeral Gold Plan pays you 10% of your premiums back after every five years.
• Accidental death benefit
  Death by accident is often very traumatic and has additional associated costs. The Funeral Gold Plan therefore pays double the cover amount if death is caused by an accident. This benefit applies to all family members covered.
• Automatic cover increase
  To provide for increasing funeral costs your cover amount will increase by 7% every year, while your premium only increases by 5%.
• Premium skip benefit
  The Funeral Gold Plan caters for those months when you may be unable to meet your premium. After two years you get the benefit of being able to skip a premium every year.
• Terminal illness benefit
  If you suffer an illness and it is confirmed you have less than 12 months to live, you receive 50% of the cover amount upfront while the balance is paid out on death. You can use these funds to ensure quality of life in your final year. This benefit applies to all family members covered.
• Maximum cover amounts
  The Nedbank Funeral Gold Plan offers cover options to suit your needs and budget from a minimum of R7 500 to a maximum of R30 000.

Plan features

• Immediate accidental-death cover for you and your family from the date of receipt of the first premium.
• A tax-free lump-sum benefit paid into your or your beneficiary’s bank account.
• Maximum flexibility with a choice of three plans:
• An individual plan that covers only you at a very affordable premium.
• A family plan that covers you, your spouse and your children.
• A parent plan that covers your parents and parents-in-law.
• Variable premium debit dates to meet your specific needs.
• Cover for life, provided you continue paying your premiums and the main member is still alive.
• The flexibility to adjust the level of cover.
• The flexibility to add additional children when they are born.
• The option to cover children older than 21 years of age if they are fulltime students younger than 26 years of age.
• Settlement of all valid claims within just 48 hours of receiving all the required documentation and account details.
• A simple application process.

The money you invest is safe. Your capital investments are protected 100%. You can’t lose. You even get exposure to the stock market and capital growth without any risk. With a medium to long-term investment window, the Old Mutual Investment Group and Nedbank Investments will invest your money in the Capital Guaranteed Growth Fund. The fund invests in equities, fixed interest and property investment vehicles while protecting your payments and providing excellent growth opportunities.

All you have to do is choose between two different investment plans below:

1. Monthly payment option – regular capital payments into the fund provide you with continual opportunities to reach your goals
2. Lump sum investment  - Lump sum investments start you off with a bang and we take it from there.

Please take the time to read the plan benefits and features outlined below.

Plan Benefits

• There are no start up costs; 100% of the contributions are invested for growth.
• Proceeds are tax-free in the investor's hands in terms of current legislation.
• You have access to your investment once within the first five years; thereafter, withdrawals are unlimited.
• You have a cooling-off period. If for any reason you are dissatisfied with the plan, you have 30 days from receipt of the plan summary in which to change or cancel it.
• Value for Life (policies issued after 11/08)

The Guaranteed Dreammaker Plan provides you with a variety of benefits. As long as you pay your premiums, you enjoy access to a range of services and discounts, which you can use in your everyday life. You, your life partner, dependent children and domestic worker have access to the following benefits:

• legal services;
• personal health advisory services; and
• discount on magazine subscriptions, luxury bus liner tickets, movie tickets, prepaid airtime, CDs and DVDs.

Plan Features 
You have a host of flexible options. We want to help you achieve your dreams by retaining your investment even in times of financial difficulty. You can:

1. Take a payment holiday as often as you like. Provided the plan has been in existence for one year or 12 consecutive payments have been made, you have the option to stop payments for up to five months. This means that you may miss up to five consecutive payments.
2. Make your plan paid up. If you can no longer afford to make any more payments, or you do not wish to continue with the plan and the plan value is greater than R500, you can make your plan paid up. This means that you can stop contributing towards the investment, but leave your funds in the investment to benefit from growth. Plus, you have the benefit of being able to start payments again at any stage.
3. Reduce your payments to whatever the minimum investment amount is at the time, or alternatively increase your payments at any time.
4. Refuse or reduce your automatic payment increase on anniversary of your plan. If you do not want to take up the annual payment increase that has been scheduled, you simply advise the Nedgroup Life Client Care Centre. Or, you can elect to reduce the annual payment increase rate for the following year, by informing the Nedgroup Life Client Care Centre.
5. Obtain a loan using your plan as security. A loan can be obtained from Nedbank using the plan as security instead of withdrawing the funds from the plan.
6. Transfer ownership in favour of one natural person.
7. Add to your plan over time. You may add further lump-sum investments to your plan or add monthly payments to your initial lump-sum investment. 
8. One withdrawal is allowed within the first five years of the plan in terms of current legislation.

Qualifying Criteria

Minimum investment amount of R100 per month or R5 000 as a single payment amount.

Fees and Charges

• Commission charge
  The Nedbank Guaranteed DreamMaker Investment Plan has no commission charges, therefore 100% of your payment is invested in the fund.
• Plan charge
  There is a 1,75% per annum plan charge that is deducted monthly from your investment.
• Capital guarantee charge
  0,45% per annum of gross total value, deducted monthly.

Sometimes things don’t quite work out like we would have wanted them to. That’s life. We try and try again, and eventually, we all get there together. Sometimes, accidents and unexpected events take place and destroy our hopes and dreams. We don’t want that to happen to you. That’s why we developed the Nedbank Accidental Death and Disability Plan with the Nedbank Insurance Group to help ensure those dreams do happen. We want your master plan to take shape and happen no matter what happens to you. Help your family live the hopes and dreams you had for them with our help.

The plan features are detailed below, please take a few minutes to read and think about them. It’s important.

Features

• Up to R200 000 cover - accidental death and disability protection for as little as R3,06 a day!
• You can also cover all your children - aged between six months and 24 years - for one additional premium of only R4,50 a month.
• Nedbank - together with Nedgroup Insurance (the underwriter of this plan) - has arranged a special HIV prevention service to be included in the plan's benefits at no additional cost to you! This important service provides immediate help and preventative treatment if you - or an insured family member - are accidentally exposed to HIV through for example rape, assault, needle stick injury, a motor vehicle accident or sport injury.
• Worldwide cover - 24 hours a day, 365 days a year.
• No medical examination is required - and no health questions are asked.
• You automatically qualify for cover if you are between the ages of 18 and 65, and you can enjoy cover until the age of 70 years.
• Cover your entire immediate family - including your spouse and all your dependent children.
• We believe in total transparency, so all exclusions are clearly laid out in the easy-to-read policy document.
• Monthly premiums are conveniently debited to your cheque, credit card or savings account.
• The following HIV preventative programme benefits are included at no additional cost when you purchase cover under the Accidental Death and Disability Plan:
• A dedicated confidential helpline, which provides advice and counselling to you or other insured family members.
• Immediate antiretroviral treatment (within 72 hours) after exposure.
• A treatment programme, which includes two consultations per incident, two blood tests per incident and follow-up blood tests after three months.
• Treatments cover two incidents per family per year - up to R2 500 per incident.

Risk is part of doing business. Nedbank Group Insurance Brokers would like to shield your business from that risk by developing a business-specific insurance programme for your business. We can tailor a cost-effective solution based on the size of your business, exposure to risk, operating environment and the nature of your business.
Our network of insurance professionals can also develop a customised insurance product for businesses in the following fields:

• Aviation
• Products and services structured to protect your aviation business, whether you manage light aircraft, helicopters or corporate aircraft.
• Construction and engineering
• Products and services structured to shield your business in contract work, construction liability, mobile and non-mobile plant, electronic equipment, machinery and machinery breakdown to protect you from loss of income.
• Fuel retail
• Cover for the risks associated with the operation of a service station and access to tied-up capital with an alternative to a bank guarantee.
• Heavy commercial vehicles
• Create an insurance portfolio structured to protect your fleet of heavy commercial vehicles, trailers or specialty-type vehicles. Small, big, varied; we’ve got a solution to keep your fleet safe.
• Debtors
• Limit your risk from debtor defaults and let us take care of the administration and recovery of funds due to your business.
• Transit
• Protect your goods in transit locally or internationally. Cover extended to imports and exports, with loss of profits, stock in storage and first-loss insurance protection.

At Nedbank Group Insurance Brokers we understand that every business is different. We also know how important it is that your business and its assets are adequately insured.

We structure and manage customised heavy-commercial-vehicle insurance programmes for clients in accordance with risk and cover requirements. Whether you are the owner of a single vehicle or own large fleets of heavy commercial vehicles, trailers and speciality-type vehicles, we will arrange and manage your insurance portfolio to suit your individual needs.

For more information or a review of your current business insurance speak to one of our brokers conveniently situated within our Business Bank suites. To find a suit near you click here

Good news for smaller businesses! We have extended our range of tailormade solutions and now offer you the opportunity to insure your small trucks (up to 3,5 tonnes) through our call centre.

For more information or a quote contact us on 0860 104 526.

Being a property owner can be a fulltime job. Tenants, neighbours, visitors, rates and taxes, repairs, bills and a host of other responsibilities can all make your time as an owner trying and demanding.

That’s why Nedbank decided to offer tailormade insurance cover options, depending on your building portfolio and exposure to risk. Our different cover options provide you, as the owner, with extensive cover to protect you from the potential pitfalls of property ownership.

The cover helps protect you from the following:

• loss of or damage to the buildings, including related costs;
• loss of rentals; and
• costs that you become legally liable to pay as the property owner due to accidental death, injury to or illness of persons or accidental damage to third-party property.

You also get Sasria (riot) cover.

Get in touch with us to discuss your requirements and we can develop a solution to suit your particular needs.

You’ve got the money to build your home from scratch or to carry out those renovations you’ve been wanting to do for some time. Building a new home or improving an existing one can be riddled with problems. It’s got you worried.

That’s where contractor all-risk insurance from Nedbank comes in. Dependent on your needs and risk requirements, the type of work to be carried out and all the parties associated with the work, Nedbank will develop a level of cover to suit your particular needs and requirements. You can obtain insurance to cover a single contract or cover to insure yourself for the duration of several contracts.

It’s up to you but our contractor all-risk cover will let you build or renovate – safe in the knowledge that you’ll be able to handle whatever comes your way in the course of your project.

As you are a Nedbank client, we hope to provide you with the products and solutions you are looking for. Our comprehensive property insurance solutions offer 'new for old' cover at competitive prices. All our policies are specially designed to provide you with the flexible insurance to meet your specific needs and requirements.

Our dedicated team of specialist insurance providers deal with all your requests in a speedy, effective and thorough process. We know taking out insurance and making claims can be a drawn-out process. That’s why we charged our team with providing streamlined solutions for all your requirements.

Building insurance

We offer tailormade cover options depending on your building portfolio and exposure to risk. Our different cover options provide you, as the owner, with extensive cover to protect you from the potential pitfalls of property ownership.

The cover helps protect you from the following:

• loss of or damage to the buildings, including related costs;
• loss of rentals; and
• costs that you become legally liable to pay as the property owner due to accidental death, injury to or illness of persons or accidental damage to third-party property.

You also get Sasria (riot) cover.

Contractor all-risk insurance

Building a new home or renovating an existing one can be riddled with problems. Contractor all-risk insurance is dependent on your needs and risk requirements, the type of work to be carried out and all the parties associated with the work. Nedbank will develop a level of cover to suit your particular needs and requirements. You can arrange insurance to cover a single contract or you can obtain cover to insure yourself for several contracts

It’s up to you, but our contractor all-risk cover will let you build or renovate safe in the knowledge that you’ll be able to handle whatever comes your way in the course of you project.