Please read this document carefully to make sure it meets your needs

Table of Contents

1. Sweepsouth Insurance Benefits
2. Sweepsouth User Benefits
3. Definitions
4. Understanding the benefits
5. General Conditions
6. Claims Conditions
7. Data Protection 
8. FAQs

1. Sweepsouth Insurance Benefits

If accepted on our Platform, you will have the benefits of insurance cover that we have arranged for Users.  You will get the benefits under our insurance Policy which are set out in detail below.

Note that the following summarises our insurance terms and conditions which state what is paid and what is not paid and include your obligations if you make a claim under our Policy.

2. Sweepsouth User Benefits

Sweepsouth Household Contents Insurance is underwritten by Chubb Insurance South Africa Limited, an authorized Financial Services Provider.

If a Beneficiary experiences any service issues, a complaint can be made to the Intermediary on telephone number +27 87 550 9060, or via e-mail at [email protected]. The Beneficiary has the right to lodge a complaint under the Financial Services Ombud Schemes Act (Act 37 of 2004). The Ombudsman for Short Term Insurance (OSTI) is available for advice on complaints in respect of claims or other matters which have not been satisfactorily resolved. The OSTI can be contacted at telephone number +27 [0] 11 726 8900, fax number +27 [0] 11 726 5501 and e-mail [email protected]. These Complaints Procedures do not affect any right of legal action that a Beneficiary may have.

3. Definitions

“Accident” and “Accidental” means any direct physical loss caused by one event or series of events arising out of one original cause or source. “Accidental” damage must be caused by acts that were sudden, unexpected and were not deliberate.

“Beneficiary or Beneficiaries or you/your” means a Sweepsouth customer that has completed a Booking and opted-in for the benefits and has therefore acquired the right to benefit from the Sweepsouth Household Contents Insurance policy.

“Booking” means the completed transaction by a Beneficiary on the Sweepsouth Platform for the services of a Sweepstar at a specific time and at the Beneficiary’s Property, Building or Home, which transaction includes the election of the option for Household Contents cover.

“Electronic Devices” means the following but is not limited to; cellular phones, laptops, notebooks, palmtops, computers, reading devices, mobile communication devices, music devices and tablet devices, digital cameras, blue-tooth speakers and headphones, portable play stations and similar gaming consoles and portable GPS navigation equipment.

“Excess” means the greater of the first 5% (five percent) or R100.00 (one hundred rand) of any loss which is borne by you in respect of a claim or series of claims before any amount is payable by Us arising out of one original cause or source.

“Household Contents” means free-standing household items that are rarely moved and moveable items which can be moved, worn or carried and ordinarily reside at Their Property, Building or Home, items which are not specifically excluded and which are physically present at the Beneficiary’s Property, Building or Home during the Period of Cover. These include but are not limited to furniture, stoves, freezers, fridges, clothing, moveable carpets and rugs, internal blinds and curtains, decorations, glassware, crockery, jewellery, Electronic Devices, musical instruments and garden and outdoor items.

“Intermediary” means Surestart Online Financial Services (Pty) Ltd.

“Loss or Damage” means loss due to Accidental physical damage to a Beneficiary’s Household Contents which is not specifically excluded.

“Other Insurance” means any other insurance a Beneficiary might have that provides coverage for Their Household Contents.

“Period of Cover” starts the moment a Sweepstar arrives at the Beneficiary’s Property, Building or Home on the date reflected in the Booking, and ends the moment the Sweepstar departs the Property, Building or Home. In all instances, cover automatically terminates on midnight on the date reflected on the Booking.

“Policy” means the Sweepsouth policy document.

“Policyholder” means Sweepsouth.

“Property, Building or Home” means a Beneficiary’s private residential structure. This includes outbuildings such as garages, guest cottages, employees’ quarters, studios, stables, change rooms, garden sheds and greenhouses.

“SAPS” means the South African Police Services.

“Schedule of Coverage” means the benefits We provide the Beneficiary.

“Sweepsouth” means Shift South (Pty) Ltd registration number 2013/183820/07.

“Sweepsouth Platform” means the digital platform the Beneficiary uses to make a Booking for the services of a Sweepstar.

“Sweepstar” means an independent contractor who has been booked by a Beneficiary on the Sweepsouth Platform to assist with cleaning, gardening and/or general labour services at the Property, Building or Home.

“Theft” means any dishonest misappropriation of a Beneficiary’s Household Contents directly, or indirectly attributable to the Sweepstar, not specifically excluded.

“We/Us/ Our” means Chubb Insurance South Africa Limited.

“you/ your/ yourself” means the Beneficiary.

4. Understanding the Benefits

Any word or expression to which specific meaning has been attached shall, unless the context otherwise requires, bear such meaning wherever it may appear. Certain words have specific meanings wherever they appear. These words are shown in bold and are explained above.

It is important that you read this document carefully. Please read the whole document. It is arranged in different sections. It is important that:

• You understand what each section covers and does not cover
• You understand your duties under each section

We will cover your benefits, subject to these benefit terms and conditions, against:

Loss or Damage or Theft to a Beneficiary’s Household Contents occurring at the Property, Building or Home during the Period of Cover, which is attributable to the actions, or inactions of a Sweepstar.

Notwithstanding anything to the contrary, cover for a Beneficiary will not commence unless the Beneficiary has made the Booking and Sweepsouth has paid the amount due to Us.

The maximum insured value for Beneficiaries is R5000. This is the maximum value that We will pay the Beneficiary, less the Excess, and less any dual insurance, betterment or depreciation.

5. General Conditions

The Beneficiaries’ rights to benefits will be applicable for the duration of the Period of Cover.

To have rights to benefits the Beneficiary’s Property, Building or Home must be situated in the Republic of South Africa.

The right to benefits is governed and construed in accordance with the Law of the Republic of South Africa and the South African courts alone shall have jurisdiction in any dispute.

We shall not provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

We may, at Our expense, take all necessary steps to enforce a Beneficiary’s rights against any third party. We can do this before or after We pay a claim. You must not do anything before or after We pay the Beneficiary’s claim to affect Our rights and you must give Us any help and information We ask for.

You must take reasonable steps to make sure that you protect your rights to recover amounts from third parties.

6. Claims Conditions

As soon as you know about any incident or circumstance that may result in a claim, you must:

• Take all reasonable steps and precautions to prevent further loss;
• Report any claim for Theft to the SAPS as soon as reasonably possible, but in any event within 24 (twenty-four) hours of the discovery and a police report must be obtained.
• Report the Loss or Damage or Theft to [email protected], as soon as practicable but in no event more than 30 (thirty) calendar days after the date of Loss or Damage or Theft
• Co-operate with Us fully and provide all the information We need to investigate the claim;
• Where reasonably required by Us to respond to a claim, provide Us with a power of attorney specifically for this purpose;
• Give Us details of any Other Insurance you may have which may cover part or all of the loss claimed;
• Advise Us if you recover money from a third party, bank, financial institution or credit provider in relation to a claim;
• If a claim has been paid by Us, assign your rights to Us to pursue a claim and/or control any proceedings which are brought against a third party to recoup all or some of the claim paid;

If a claim has been paid which you subsequently recover from a third party, bank or financial institution, We are entitled to recover the indemnity paid by Us to the extent that your recovery exceeds Their uninsured losses.

If any claim is in any respect fraudulent or if any fraudulent means or devices were used by anyone to obtain a benefit, We shall be under no liability in respect of such claim and We will inform the SAPS.

The Excess applies separately to each claim separately arising out of one original cause or source.

We retain the right to settle any claim, in cash, on the basis of the cost of repairs or replacement, up to the maximum limit. In the event that Household Contents:

• Can be repaired, We will pay the costs reasonably incurred to restore it to its state of serviceability immediately before the damage. Should such costs exceed 60% (sixty percent) of the value of the item We will pay the replacement value.
• Is replaced by Us, We agree to pay the reasonable cost of replacement with the same or similar type but not superior to or more extensive than the existing item.

If you have Other Insurance We will only be liable to pay Our pro-rata portion of any claim submitted, subject to the following:

• if in Our discretion We decide to pay the claim in full, then We will not be obliged to make payment unless you cede to Us all of your rights in respect of the Other Insurance;
• if We have already paid benefits, all your rights in respect of the Other Insurance will be ceded automatically to Us;
• a cession will allow Us to do all things necessary to claim against any other insurer, company or organization and institute legal proceedings against them if Other Insurance is not paid;
• without limiting any provision or any legal obligation, you must co-operate fully with Us in relation to the Other Insurance or legal proceedings including not doing anything to prejudice or limit Our rights, and provide Us with all relevant information and documents We require and sign any document or affidavit that We may request to enable Us to exercise Our rights.

Your claims will be dealt with by Us.

A person who is not a Beneficiary has no right to enforce any term of this agreement.

Where you dispute Our rejection of a claim, you must make a representation to Us in respect of the decision within 90-Days of the date of Our rejection or cancellation letter. Thereafter, you must take legal action by way of the service or summons against Us within 180-Days of the date of rejection or cancellation letter, failing which you will forfeit Your claim and no liability can arise in terms of such claim.

What we cover for Beneficiaries

We provide cover for Loss or Damage or Theft to Beneficiaries’ Household Contents occurring at the Property, Building or Home during the Period of Cover and is directly attributable to the actions of a Sweepstar:

• Maximum Limit: R 5 000 per Period of Cover

Exclusions – What is not covered

The following are not covered:

• Property obtained with the purpose of disposing of it in a business transaction.
• Money, securities for money, deeds, bonds, bills of exchange, promissory notes, Vouchers, negotiable and other documents, stamps, manuscripts, rare books, medals, coins, artwork and other similar collectable items.
• vehicles, watercraft (excluding surfboards, kite boards, paddle skis, kayaks, canoes, surf skis, windsurf boards, sailboards and model boats), drones, aircraft, other aerial devices (excluding model aircraft), and all tools, spare parts and accessories of these vehicles, aircraft or watercraft that are on, in or attached to it;
• Loss or Damage or Theft to any Household Contents that You do not own but rent, borrow, keep in trust or have custody or control over.
• Loss or Damage or Theft from or relating to any exchange, cash or credit sale agreement, including theft under false pretense and fraud;
• The cost of reproduction or repair of data of any kind;
• Loss or Damage covered by a manufacturer’s purchase agreement, guarantee or service contract.
• The actual buildings at your Property, Building or Home and any items fixed to these structures such as:
  • fixed wall coverings such as paint, wallpaper and wall tiles
  • fixed floor coverings including timber floor coverings, carpets and tiles
  • fixtures and fitted appliances.
  • swimming pools including swimming pool pumps, saunas, spa baths, hot tubs, ornamental ponds, fishponds and fountains and permanently installed watering or irrigation systems.

Any claim relating to an incident which you were aware of at the time of the Booking and which could reasonably be expected to lead to a claim.
Mysterious disappearance and unexplained Loss or Damage where the Sweepstar has not been identified as the responsible person.
Any claims arising due to:

• Superficial damages, such as scratches that still leave Household Contents in working condition.
• Cracking or scratching of sanitary ware or glass.
• Dryness or moisture, exposure to light or extreme temperatures.
• Any gradual deterioration, including smoke and dust damage, rising damp, fungus or mildew, mould, action of light, atmospheric or climatic conditions, corrosion, rot, rust, decay, a rise in the water table, lack of maintenance, depreciation or wear and tear.
• Defective workmanship or design or the use of faulty materials or misuse.
• Infestation, vermin, rats, mice, insects, pests or domestic pets.

7. Data Protection

Any information the Beneficiary provides will be processed in compliance with the provisions of the Protection of Personal Information Act, 2013. See our privacy policy: https://www.chubb.com/za-en/privacy-policy.html.

Notice to Beneficiaries

DISCLOSURE AND OTHER LEGAL REQUIREMENTS Important – please read carefully

This notice does not form part of the contract.

As a beneficiary you have the right to the following information:

1. About the intermediary (insurance broker or representative)

a. Name, physical address and postal address and telephone number.

b. Legal status and any interest in the insurer.

c. Whether or not in possession of professional indemnity insurance.

d. Detail of how to institute a claim.

e. Rand amount of fees and commission payable.

f. Written mandate to act on behalf of insurer.

Surestart Online Financial Services (Pty)Ltd, (Reg. No. 2016/315927/27),

Physical Address:

1st Floor, Block B, North Park,

Black River Park 2 Fir Street,

Observatory,

Cape Town,

Western Cape,

7925

Tel: +27 87 550 7858
FSP No: 47233

2. About the insurer
   a. Name, physical and postal address and telephone numbers.
   b. Telephone number of compliance department of the insurer.
   c. Details of how to institute a claim and/or complaint.
   d. Should anything not be clear, please contact Chubb Insurance South Africa Limited for assistance
   g. Complaints procedure: visit our website www.chubb.com/za
   h. Chubb Insurance South Africa Limited is in possession of Professional Indemnity Cover.
   Contact Details:
   Chubb Insurance South Africa Limited
   Reg No: 1973/008933/06
   PO Box 1192, Saxonwold, 2132

Located at:
Ground Floor, The Bridle,
Hunts End Office Park,
38 Wierda Road West, Wierda Valley, Sandton
Tel: 011 722 5700
FSP No: 27176

Compliance Officer:
PO Box 1192
Saxonwold
2132
Tel: 011 722 5700
Fax: 011 783 0812
Email : [email protected]

Complaints Procedure:
Email: [email protected]
Tel: 011 722 5704

3. Other matters of importance
   a. You will be informed via our website of any material changes to the information
   referred to in paragraph 1 and 2.
   b. If the information in paragraphs 1 and 2 was given orally, it must be confirmed in writing within 30 days.
   c. If any complaint to the intermediary or insurer is not resolved to
   your satisfaction, you may submit the complaint to the Financial Sector Conduct Authority.
   d. Polygraph or any lie detector test is not obligatory in the event of a claim and the failure thereof may not be the sole reason for repudiating a claim.
   e. The insurer and not the intermediary must give reasons for repudiating your claim.
   Should you have any complaints about the availability or adequacy of information herein, or about our claims or underwriting service, please bring this to the attention of our compliance officer.

Our Complaints resolution procedure can be viewed at our website: www.chubb.com/za

1. Particulars of Short-term Insurance Ombudsman who is available to advise you in the event of claim problems, which are not satisfactorily resolved by the insurance intermediary and/or the insurer.

PO Box 32334
BRAAMFONTEIN, 2017
Tel: (011) 726-8900
Fax: (011) 726-5501
Email: [email protected]

2. Particulars of the Financial Sector Conduct Authority (FSCA)

PO Box 35655
MENLO PARK, 0102
Tel: (012) 428-8000
Fax: (012) 347-0221

3. Particulars of the FAIS Ombud

PO Box 74571
LYNWOOD RIDGE, 0040
Tel: (012) 470 9080
Fax: (012) 348 3447

4. Particulars of SASRIA

Sasria Soc Limited
Reg No: 1979/000287/06
FSP: 39117
36 Fricker Road, Illovo
PO Box 653367, Benmore, 2010
Tel: (011) 214 0800
Fax: (011) 447 8630
You may be required to sign a copy of this document

Other important information:

Claims

Procedures for the submission of claims and your responsibilities are detailed in the GENERAL CONDITIONS. In the event of a possible claim you must notify Sweepsouth or Chubb Insurance South Africa Limited as soon as reasonably possible and submit a completed claim form as soon as practicable but within 30 days. When we are dealing with any claim you must give us any information and help we reasonably ask for.

General

Should you at any time suspect fraudulent dealings on the part of any person dealing with your insurance claim, please contact the Insurer on 011 722 5700 or the Insurance Fraud line on 0860 002526.

8. FAQs

Still have questions? Please visit our Booking Cover FAQs page.