Declare your previous insurance claims
When applying for an insurance policy, ensure that you declare ALL your previous insurance claims.
Check your insurance premiums
You have to ensure that your premiums are paid. Stepp will contact you via SMS if a premium is rejected, but the final responsibility for unpaid premiums resides with you.
Update your details
Notify us immediately of any changes in the risk, your contact or banking details.
Review your policy on a regular basis
To ensure that your household contents are insured at the correct value it is wise to complete an inventory to help you to calculate replacement values. This can be obtained on the Stepp website www.stepp.co.za under heading “Download Forms” and the ‘General Forms”.
Valuation certificates / proof of ownership
In the event of a claim you will have to submit proof of ownership. On jewellery, specifically, we will require purchase invoices and/or valuation certificates (valuations certificates are a given for jewellery items). On household items, such as furniture, sound equipment, clothing etcetera, video footage and photographs can be used as proof of ownership.
Our basic security requirements are burglar proofing and security gates and it applies to every window and door leading into the house. If there are any doors or windows that are not secured, you must make specific mention of this to us.
If your cover is subject to a burglar alarm system, you have to ensure that it is in proper working order and linked to a security control room with armed response. You are also responsible to ensure that the agreement with your security firm is maintained. The alarm must be activated when the premises are unoccupied.
We provide cover for clothing and personal effects, which are normally worn or carried by or on a person, away from the home. Note that cover for unspecified items is limited. High valued items, such as jewellery, and mobile communication devices, must be specified under this section (laptops to be insured under personal computers/electronic section).
Correct usage of your vehicle
You have to declare the correct usage (private or business) of your vehicle, since the rate is determined on this basis and there is a risk of repudiation of a claim for non-disclosure or misrepresentation of the correct usage.
Premiums are based on the profile of the regular driver as supplied to us. If this is not disclosed correctly or misrepresented there is a risk of the repudiation of a claim. If anything changes from what you have originally disclosed to us, we must be notified immediately.
Your vehicle must be maintained in a proper and roadworthy condition at all times.