Record of Advice - Business Insurance Comparison
Kagiso Fast Foods
POLICY SECTIONS
FIRE SECTION
34499/3500 Tlhabane,Rustenburg
Plant,Machinery/Fixtures & Fittings
Stock
Miscellaneous - Fixtures & Fittings incl Ceiling
Leakage
Debris Removal
Additional Claims Preparation Costs
Rental
Earthquake
Power Surge
Subsidence & Landslip
EXCESS
Basic
Lightning & Malicious Damage
Electrical Power Surge
BUSINESS INTERRUPTION
AON SUM INSURED
AON PREMIUM
AON EXCESS
AC & E SUM INSURED
AC & E PREMIUM
AC & E EXCESS
236,85
R
241 577,00
R
241 577,00
R
40,26
R
R
R
230 303,00
242 000,00
25 000,00
38,38
40,33
10 000,00
Included
Excluded
Included
Included
Included
230 303,00
242 000,00
25 000,00
5 000,00
10 000,00
R
R
R
R
R
R
R
R
R
20 000,00
Included
R
R
50 000,00
20 000,00
Included
Included
Included
Included
Included
Included
R
4 000,00
10% Min R1 000,00
R
4 000,00
R
R
1 000,00
10% Min R1 000,00
10% Min R2 500,00
281,26
6 Months Indemnity
Gross Profit
R
829 213,00
R
829 213,00
R
Additional Increase in cost of working
R
10 000,00
R
10 000,00
R
1,08
Unspecified Suppliers/Subcontractors
R
10 000,00
R
207 303,00
R
11,23
R
82 921,00
R
4,49
R
50 000,00
R
207 303,00
R
11,23
R
53,07
R
R
58,33
4,17
Prevention of Access
Theft
Public Utilities - Extended
Working Expenses
THEFT
First Loss
Malicious Damage
EXCESS
Basic
Locks & Keys
Malicious Damage
MONEY
Major Limit
R
R
R
89,83
57,59
6 600,00
25 000,00
R
R
6 600,00
25 000,00
10% Min R1 000,00
R
250,00
10% Min R1 000,00
R
R
10% Min R1 000,00
10% Min R1 000,00
10% Min R1 000,00
109,28
10 000,00
R
10 000,00
R
42,00
Money from R10 000,00 to
R19 999 must be
accompanied by two
male employees
Money R20 000,00 or
more to be transported
by a reputable security
company
EXCESS
Basic
Hold Up/Hijack/Armed Robbery
GLASS
Internal & External
EXCESS
Basic
BUSINESS ALL RISKS
1 X Rainbow Scale
1 x Chips Slicer
Plastic Wrapper
Samsung Food Warmer
1 X CD Shuttle in Freelander
CCTV Camera System
CD Shuttle in Freelander
EXCESS
Basic
10% Min R1 000,00
10% Min R1 000,00
R
R
7 260,00
THIRD PARTY ONLY
1998 Honda CRV
1990 Mazda B 2000 Drifter P/U S/C
1990 Mazda B 2000 Drifter P/U S/C
EXCESS
Basic - Private Vehicle
Commercial Vehicle Less than 7500KG
Commercial Vehicle greater than 7500KG
LDV
Loss Of Keys
Windscreen - Private/LDV
Windscreen Commercial
Theft/Hijack
R
R
R
R
R
R
R
R
7 260,00
R
25,00
10% Min R1 000,00
125,91
3 000,00
1 500,00
1 500,00
3 000,00
5 000,00
15 000,00
5 000,00
R
R
R
R
R
R
R
3 000,00
1 500,00
1 500,00
3 000,00
5 000,00
15 000,00
5 000,00
R
R
R
R
R
R
7,50
3,75
3,75
7,50
12,50
37,50
10% Min R500,00
R
R
R
R
R
10% Min R500,00
340,47
1 000 000,00
250 000,00
50 000,00
50 000,00
R
R
R
R
1 000 000,00
250 000,00
50 000,00
50 000,00
R
R
Included
Included
42,00
50,00
5% Min R1 000,00
5% Min R1 000,00
R
R
R
R
R
R
R
R
R
R
R
R
R
R
R
R
R
R
12 208,21
49 000,00
38 900,00
22 200,00
138 800,00
164 600,00
74 000,00
220 600,00
389 340,00
250 000,00
200 000,00
259 376,00
815 728,00
R
R
R
R
R
R
R
R
R
R
R
R
-
R
R
R
49 000,00
38 900,00
22 200,00
138 800,00
164 600,00
74 000,00
220 600,00
389 340,00
250 000,00
200 000,00
259 376,00
815 728,00
-
5% Min R5 000,00
5% Min R5 000,00
10% Min R5 000,00
5% Min R5 000,00
R
500,00
25% Min R350,00
25% Min R500,00
10% Min R3 000,00
ELECTRONIC EQUIPMENT
Hardware,Software & Accessories incl Printers
2 x Uniwell Cash Register
1 x Dell Desktop Computer
40 Inch TV
R
10% Min R1 000,00
PUBLIC LIABILITY
General & Tenants
Products Liability/Food & Drink
Legal Defense Costs
Wrongful Arrest & Defamation
EXCESS
Basic
Products Liability/Food & Drink
MOTOR
COMPREHENSIVE
2002 Land Rver Freelander KV6 3Dr A/T
2008 Opel Corsa Lite
2000 Nissan 1400 Champ (B01) P/U S/C
2012 VW Amarok 2.0 Tdi Trendline 90KW S/C P/U
2012 VW Jetta VI 1.6 Tdi Comfortline DSG
2013 Nissan NP200 1.6 P/U S/C
2016 Isuzu KB 250 D-TEQ HO X-Rider P/U E/Cab
2011 Chana - Changan Maxi Star 1300 P/U D/C
2011 Chana - Changan Maxi Star 1300 P/U D/C
2011 Chana - Changan Maxi Star 1300 P/U D/C
2020 Mahindra Scorpio PIK UP 2.2 MHAU
2015 Mercedes Benz Actros 2646LS/33 DD T/T C/C
Car Hire/LDV Hire
Roadside Assistance
10% Min R1 000,00
25% Of Claim
44,93
R
R
R
R
R
10 000,00
15 000,00
6 000,00
5 500,00
R
R
R
R
R
R
R
R
R
R
R
R
R
R
250,00
250,00
250,00
347,00
411,50
250,00
551,50
973,35
625,00
500,00
648,44
2 039,32
1 210,00
665,44
R
R
R
80,00
80,00
80,00
5% Min R2 500,00
5% Min R3 000,00
10% Min R5 000,00
5% Min R3 000,00
R
25% Min R500,00
25% Min R750,00
10% Of Claim
-
87,28
R
R
R
R
10 000,00
15 000,00
6 000,00
5 500,00
R
R
R
R
25,00
37,50
15,00
13,75
1 000,00
7 500,00
Increased Cost of Working
Reinstatement Of Data
EXCESS
Portable Equipment
Excluded
Excluded
R
R
1% Min R1 500,00
All other Equipment
10% Min R 1000,00
SASRIA
R
150,16
BROKER FEE
R
948,31
RISK MANAGEMENT ASSISTANCE FEE
UMBRELLA LIABILITY
R
55,50
TOTAL MONTHLY PREMIUM
TOTAL SAVING
R
14 645,75
10 000,00
10 000,00
R
R
8,33
8,33
10% Min R1 000,00
Additional 10% Min R1
000,00
R
520,64
R
538,90
R
399,14
R
11 362,04