Welcome to Frontline Personal Assist

You can now enjoy peace of mind in the event of a roadside and home emergency. You also benefit from an array of concierge

services and discounts on roadtrip packages.

Please call 0861 113 699 and one of our consultants will gladly assist you.

www.frontlineinsurance.co.za

Authorised Financial Services Provider #40752

Roadside and Accident Assist

Roadside AssistanceMembers have access to the following services in the event of a roadside emergency (limited up to R750 per incident):

• Flat battery - jump start only (replacement of battery for the member’s account)• Flat tyre (help with change of tyre)• Keys locked in vehicle (unlocking only)• Fuel assistance (limited to five litres per incident)• Minor roadside - running repairs (electrical, coil, immobiliser etc.)• Transmission of urgent messages.

Tow-inTow-in service to the nearest approved dealership (if under warranty), repair centre or panel beater in the event of:

• Mechanical breakdown - covered up to R750• Electrical breakdown - covered up to R750• Accident damage - cost covered to the nearest approved panel beater up to a limit of R2,500.

Courtesy TransportWhere the vehicle needs to be towed to a repairer, we will arrange for the occupants of the vehicle (up to a maximum of two persons) to be transported to a nominated destination where the breakdown has occurred within a 100km radius of your normal place of residence.

Hotel Accommodation

Where the breakdown has occurred outside a radius of 100km from your normal place of residence,

resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle (up to maximum of four people). Cover up to R1,000.

*Please note: This cover excludes all vehicles over 3,500 kg, trailers, caravans and boats. A member will not be entitled to service where the vehicle is not in a roadworthy condition. Any costs incurred through arrangements made by the member without prior authorisation shall not be reimbursed. Assistance is only available in South Africa, Lesotho and Swaziland.

Car Rental

If the circumstances of the problem entitles you to the hotel accommodation benefit, but you would prefer to continue with your journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to your qualifying for a rental vehicle in terms of the car rental companies general terms and conditions. The costs incurred will be confined to rental charges; delivery and collection of the hire vehicle, and the car must be surrendered on arrival at your destination. Cover up to R1,000 and subject to availability.

Vehicle Repatriation

In the event of the member’s vehicle being left for repairs, we will pay up to R750 for 24-hour, Group-B car rental or a flight ticket to collect the vehicle after repairs. Alternatively, should the vehicle have been towed to a dealership closer to the member’s place of residence, we will supplement the additional tow costs with the costs of car rental.

Cross Border

We are able to provide access only assist service through the call centre, we will contact a service provider in the area to assist - all costs will be for your account. Alternatively, you are able to make your own arrangements to get the car to the border and we will cover the tow from the border to the nearest repairer.

Overall limit of R5,000 per annum per policy

Trauma and Assault Assist

24-hour Emergency Assistance Helpline

In the unfortunate event of a traumatic incident, we will provide the member with counselling by trained medical professionals. This is a 24-hour emergency assistance helpline that:

• Arranges the nearest local emergency assistance service as well as provides

emergency transport to the nearest, most appropriate medical facility

• Offers referrals for psychiatric consultations

• Covers R5,000 per insured person with a maximum of R10,000 per family per occurrence

in respect of psychiatric consultations.

Legal Assist

24-hour Legal Advice

Assist members and their immediate family have on-going access to a 24-hour legal advisory service on any aspect of the law such as criminal law, family law, constitutional law, child law, labour law, motor law, etc.

30-minute Free Consultation

This service involves a free initial 30-minute consultation should any matter require legal action. The member will then be referred to a lawyer who forms part of our national network for a direct free 30-minute consultation.

Free Standard Legal Documents

If a member requires a purchase, sale, lease, or prenuptial agreement, employment contracts, etc, we will provide these free at his or her request. The member will also be advised on the application of each of these documents and the procedures and principles that apply.

Home Safe Chauffeur

This product is designed to encourage you to drive responsibly. Statistics show car incidents as a result of drinking and driving account for a large percentage of accidents on our roads, especially at night.

Benefits are as follows:

• We will ensure that you and your vehicle arrive home safely. We will dispatch a vehicle with two drivers (where possible) and drive you home in your own car• All drivers are in possession of a public driver’s permit, carry a cellphone and dress professionally. The drivers all speak English• You are entitled to use this service 10 times per annum. Each incident is capped at R500, any costs incurred over and above this will be for the member’s account.

Terms and Conditions

Bookings can be arranged between the following hours:

• Monday to Thursdays 17:00 - 01:00• Fridays 15:00 - 03:00• Saturdays 16:00 - 02:00• Sundays 16:00 - midnight

• The service is available within a 50km radius of city centres in Johannesburg, Pretoria, Durban, Cape Town, Port Elizabeth, East London, Nelspruit, Polokwane, Kimberley, George, Bloemfontein and Pietermaritzburg• At the specified time and location, the call centre will notify you that the pick-up driver has arrived at which time you will have 15 minutes to meet the driver. After the 15 minutes, the call centre will notify you that the pick-up driver will be leaving and the trip will be cancelled• Cancellation and rescheduling fees: - Two hours prior to booked collection time - Nil fees - One hour prior to booked collection time, one incident will be eliminated.

Home Assist*Please note: A home emergency is defined as an event that is potentially life threatening or could possibly cause structural damage to a property.

Intelligent Panic

Fixtures, Fittings and Services

In the event of a home emergency as a result of breakage of fixtures and fittings, we will arrange for an appropriate repairer (electrician, plumber, locksmith, glazier, etc.) to address the problem at one nominated address (call-out fee and first hour labour is covered, thereafter normal rates apply). Please note that all parts and materials used are excluded and will be for the member’s account.

Emergency Services Notification and Call-out

We will, at your request, relay notification of emergencies to the police, traffic, fire brigade, ambulance, security or any other emergency service provider.

Overall limit of 3 incidents or up to R2,000 per annum per policy

In a panic situation, you never want to be alone! Intelligent Panic provides you and your loved ones with 24-hour access to your own experienced crisis manager, who will help you through your emergency.

You never have to remember an emergency number again!

You will never be alone in an emergency!

Access every emergency support service out there from one button on your cellphone!

To have access to Intelligent Panic, you need to register and then choose one number on your cell phone that acts as your panic button. In an emergency, just press that one number and we take charge of the rest. Your crisis manager will call you back and access the appropriate support that you need. Your crisis manager will also be in telephone contact until your situation is resolved.

Crime Assist*Please note: The Emergency Box will be delivered within 24 hours of the incident logged through the call centre to all central areas, and within 48 hours in all other areas.

Members have access to the following services in the event should you become an unfortunate victim of a home invasion or hi-jacking.

Crime Assist will provide you with the tools, to get you back on your feet.

All you need to do is phone 0861 113 699, provide us with your police case number and our 24-hour call centre will assist you with the following:

• An emergency box will be delivered to your place of residence and will contain the following: - A cellphone preloaded with a R200’s worth of airtime, so that you can stay in touch with your loved ones and make the necessary arrangements; - A preloaded debit card to the value of R500 to help you get back on your feet; - Applications forms: - Driver’s license would have been taken at the scene of the incident - Home Affairs documentation should your ID book/card have been taken at the scene of the incident.

The following assistance can also be arranged, using the same number:

• In the case of your vehicle being hi-jacked, we will provide you with Group B car hire for 48 hours to keep you mobile• In the case of your keys being stolen in a hi-jacking, we will send a locksmith to your house to assist you with your locks, up to the value of R1,000 per annum• In the case of you being hi-jacked at your place of residence, we will place an armed security guard at your house for 24 hours• In the case of your home being invaded, we will place a security guard at your house for 24 hours after the invasion has taken place• In case of your home being invaded, we will provide hotel accommodation to the value of R1,000 per annum• In the case of you needing trauma counselling, we will provide up to R10,000 per family per annum in respect of psychiatric consultations.

Global Assist Smartphone App

The Frontline Assist App provides direct access for the App user in the event of an emergency. The user has a panic button on the App that when pushed, sends a message to our contact centre which includes vital information to ensure swift action - name, contact number, emergency contact details and most importantly, their location. This process is also used to access our suite of Assistance Services that are provided to members as part of our valued added programme.

The App is free to download, but to make use of the Frontline Assist App and all the features, the user will need to have an active policy with Frontline Underwriting Managers (Pty) Ltd.

Home Maintenance Assist

Electrical Motors Appliances OtherFaulty Lights Gates Microwave Ovens Tree Felling

Faulty Plugs Swimming Pools Stoves Beekeepers

Geyser Thermostat Jacuzzis Fridges Handyman

Geyser Elements Garage Doors Freezers Rubble/Rubbish Removal

Power Failures Plumbing Washing Machines Carpet/Upholstery Cleaning

Distribution Boards Blocked Drains Tumble Dryers Fumigation

Earth Leakage Relays Leaks Dishwashers Gutter Cleaning

Stove Plates/Elements Tap Washers Air Conditioners Relocation

General House Wiring Toilet Rubbers /Seals Electronics Moving Company

Main Cables Geyser Valves Televisions Cleaning Services

Light Switches Burst Pipes DVD Players Carpet Cleaners

Burnt Plug Points Blocked Baths, Sinks & Taps Hi-Fi’s Handyman

Lightning Wiring Shower Outlets VCR’s Security Consultant

Faulty Circuits Water Connections Locksmiths Security Guards

Municipal Connections Unlocking of Doors Rubble/Rubbish Removal

Replacement of Locks DSTV/TV installations

This is a maintenance service - providing access to essential services that may be required in an emergency within the principal household and adjoining buildings of the eligible person.

Using our database of approved service providers, we can assist you with the following:

Electrical

We cover maintenance related repairs that may appear in the following areas:

• Lightning strike on wiring only • Faulty lights and light fittings• Faulty plugs• Faulty circuits • Replacement of burnt connections and plug points • Power failures • Distribution boards • Earth leakage relays • General household wiring • Main cables • Light switches • Geyser connections thermostats and elements• Municipal connections (within the eligible person’s property)• Connections to all electrical motors and points (for personal lines only).

Electrical Exclusions

We will not be liable for:

• Changing or replacement of light bulbs • Repair or replacement of specialised lighting and light fittings (for example: neon lights, low voltage lights, tranformers, spots and the like)• Repair or replacement of intercom and Mircom systems • Repair or replacement of under floor heating • Any damage whatsoever as a result of power surge from the power supplier• Compliance certificates and any items required to be attended to in order to comply with an electrical certificate of compliance • Loss of neutral causing power surge • Refitting or replacement of tiles and paving or any other consequential damage • Underground electrical fault detection • Municipal power failures.

Plumbing

We cover maintenance related repairs that may appear in the following areas:

• Water leaks • Tap washers • Toilet leaks • Toilet rubbers/seals • Geyser valve and overflow • Burst pipes • Blocked baths, toilets, traps, sinks and drains • Shower outlets• Sealing of taps • Municipal water connections (within the eligible person’s property).

Plumbing Exclusions

We will not be liable for:

• Blockage due to cement, collapsed pipes, extensive tree roots, or other foreign objects, which cannot be opened by standard drain equipment• Replacement of re-routing of pipes• Specialised or imported sanitary ware• Replacement of taps• Cleaning septic tanks and french drains • Refitting or replacement of tiles and paving or any other consequential damage • Underground water fault detection • Burst geyser(s), including any consequential losses - whether direct or indirect - as well as any damage/loss to geyser(s) (valves, thermostats or overflow) which is covered by any other insurance/ warranty scheme/maintenance plan.

Appliance(s)

Motor

We cover maintenance related repairs on the following motors:

• Electric gate motors • Electric garage door motor • Electric pool or jacuzzi motors.

Motor Exclusions

We will not be liable for:

• All remote controls and receivers • Cleaning, repair and replacement of filters• Booster pumps• Mechanical cover, such as gear boxes and bearings.

We cover maintenance related repairs on the following white appliances:

• Microwave• Stove• Fridge • Freezer• Washing Machines • Tumble Dryers• Dishwashers.

Electronics

We cover maintenance related repairs on the following brown appliances:

• TV• Hi-Fi

• DVD• VCR.

We cover related expenses on the following services subject to a maximum indemnity of R1,000 (incl. VAT):

• Tree felling• Bee Keepers• DSTV/TV installations (once per annum) • Handy man (once per annum)• Locksmith - replacement of one lock per claim• Rubble/rubbish removal

• Carpet/upholstery cleaning (one per annum)• Fumigating • Gutter cleaning (once per annum) • Relocation (*see below for details) • Window washing services (once per annum)• Energy savings consultation.

Appliance and Electronics Exclusions

We will not be liable for:

• Repair or replacement of faulty parts of appliances where the appliance: - was not in good working order at the commencement date of this insurance - was mishandled or used other than in compliance with the manufacturer’s specifications • Breakdowns arising as a result of misuse or items not being operated in accordance with the: - manufacturers/installer’s design intentions - where the parts are no longer available or the item is irreparable• Repair the external framework, external wiring, and the cabinet or non-functional cosmetic part of the appliance

• Changing or replacement of light bulbs• Repair or replacement of TV antennas or aerial devices or satellite dishes• All remote controls and receivers• Cleaning, repair or replacement of glass shelving/ tops or auxiliary items (eg. icemakers)• Routine cleaning of video heads and CD and DVD pick-up eyes• Gas refill for fridges and freezers • Appliances in excess of eight (8) years of age or if parts are no longer available from the manufacturer or their agent in South Africa.

We will not be liable for:

• Repairs affected by a party other than the company or one of its duly appointed service providers • Loss or damage caused by fire, lightning, storm, water, malicious or accidental damage, theft or any risks covered in terms of a standard multi-peril or personal lines/ commercial insurance policy• Compensation for consequential damage of any nature • The first amount payable and the amount of the claim in excess of the covered limit, as stated on the schedule in respect of each and every event which gives rise to a claim, which amount shall be payable to the service provider on completion of the repair• Repair or replacement of any breakdown to items or any part thereof covered by

the manufacturers/installer’s warranty/guarantee or the National Home Builders Registration Council’s Warranty Scheme• Upgrading of infrastructure • Damage occuring in connection with or resulting from aesthetic defects, such as cracks, scratches or dents, insofar as they do not adversely affect the normal operation of the insured property• Breakdown of items or parts recalled or to be recalled by the manufacturer/installer• Loss or damage resulting from any commercial or profit-making activity which is conducted from the home unless such activity has been notified to and accepted by ourselves• Damages which may be caused whether direct or indirect by repairer/sub-contractors of any items/property in the home in the course and scope of repairing the damage/loss.

*Relocation Benefit (classified under “Other Benefits”).

This is classed as one claim and the member can choose any one, or all, of the benefits included subject to a maximum indemnity of R1,000 per move.

• Moving company• Cleaning services• Carpet cleaners• Handy man

• Security consultant• Security guard • Rubble/rubbish removal• IT installation/consultation

The following maximum cover per claim, faults per claim and excesses are applicable:

Product Maximum cover per claim

No. of faults per claim Excess per claim

Electrical & Plumbing R2,000

4 R280

Appliances, Motor, Electronics & Locksmiths 1 R280

Other & Relocation R1,000 1 R280

Terms and Conditions

Access

The following maximum indemnity, faults per claim and excesses are applicable:

We have a large database of reputable service providers. The members can have access to these service providers, on a referral basis (will be for the client’s own account), in the event of them requiring assistance or service with the following:

• Household contents evaluators• Landscaping consultants/garden services• Waterproofing• Security consultant• Interior consultants• Pool maintenance • Builders• Glaziers• Household evaluators• Carpet specialists• Painters.

Overall limit of R4,000 per annum

The following terms and conditions are applicable:

• This is a maintenance product and does not cover replacement of appliances, geysers, motors, etc• We will not be liable for any claims not reported to the contact centre or where we have not appointed the service provider• Repairs are subject to parts being readily available from suppliers • The applicable excess and any amounts exceeding the maximum indemnity must be paid directly to the service provider• Overall limit of R4,000 per annum per policy• No excess is applicable for any claim lower than R600 (incl. VAT) for electrical, plumbing, appliances, motors, electronics and other • No hand held appliances are covered • All costs over the limitation specified will be for the client’s own account.

All of these benefits are only available through the Frontline Assist call centre on

In the unlikely event of Telkom’s lines being down, please call 083 789 9956 in a roadside emergency.

*Please note that any costs incurred or arrangements made independently from the Frontline assistance call centre will not be reimbursed. Partners and benefits may change from time to time.

Terms and Conditions apply. E&O.E.

0861 113 699

Port Elizabeth T +27 (0) 41 373 0445F +27 (0) 41 373 0419

BCX Building, 3rd Floor Office 2106 Park Drive, St Georges

Port Elizabeth, 6001

Cape Town T +27 (0) 21 919 9080F +27 (0) 21 919 4395

Unit 204 2nd Floor,Golden Isle Building, 281 Durban Rd

Belville, 7530

JohannesburgT +27 (0) 11 026 3140F +27 (0) 11 326 0575

E17 Lifestyle Riverfront Office Park, Bosbok Dr, Randpark Ridge, 2169

Durban

T +27 (0) 31 562 0155F +27 (0) 31 562 0520 Unit 3, 30 Brookend

Close Office ParkSunningdale, 4051

East LondonT +27 (0) 43 735 1681F +27 (0) 43 735 2080

65 Beach Road, Nahoon,

East London, 5241

Kroonstad

T +27 (0) 56 213 4991F +27 (0) 56 213 4606

5 ElandstreetElandia,

Kroonstad, 9499