TOPMARQ Domestic Insurance Product

Specialised domestic insurance

TOPMARQ is a specialised domestic insurance product focusing on three main areas, namely domestic buildings, domestic contents and private motor insurance. TOPMARQ is facilitated by REAM Insurance Brokers (FSP licence no. 1422).

Domestic Buildings and Contents Insurance

Arranging domestic insurance is not as simple as it is made out to be on TV. Such TV adverts always relate to how cheap their various product offerings are. The real crux is when a claim happens…

Structuring a personal domestic policy is equally important as the correct structuring of a sizable commercial risk. The ultimate goal of TOPMARQ is to achieve claim payment at the time of an insurable loss.

Private Motor Insurance

Private motor insurance can be one of the most complicated personal policies to be issued by insurers. As with home insurance, car insurance TV adverts always relay how cheap their various product offerings are. Little is said about possible restrictions placed on drivers and cars that need to be parked overnight in locked garages at fixed addresses. As such, rude awakenings have been experienced by many…

TOPMARQ is a uniquely designed niche product which can be tailored to specific individual needs and it is exclusive to REAM Insurance Brokers. The ultimate goal of TOPMARQ is to achieve claim payment at the time of an insurable loss, where you are well aware of your responsibilities before such loss occurs.

Extensions included in TOPMARQ Domestic Insurance

The following extensions may be included in a TOPMARQ policy:

  • Domestic Household Goods & Personal Effects cover.
  • Domestic Building and Outbuilding cover including Fixtures & Fittings.
  • All-Risks cover in respect of your specified items anywhere in the world.
  • Personal Legal Liability cover in respect of amounts which the insured shall become legally liable due to accidental death of or bodily injury to or illness on any person and/or accidental physical loss of or damage to tangible property. Limited to R3 000 000.00.
  • Optional Personal Accident cover for permanent disablement or death caused directly by bodily injury due to an accident.
  • Reasonable expenses and/or rent for temporary accommodation if your private residence becomes unfit to live in as a result of an insured peril. Cover is limited to 20% of the insured amount for contents and only applies for the period reasonably required making your private residence fit to live in.
  • Comprehensive, Limited & Third Party Only motor cover including Social, Domestic, Private, Professional and Business use (excluding hired out vehicles). Business use is subject to conditions.
  • Car Hire Cover is automatically included on vehicles over R200000.00 following a claim under the policy up to an amount of 0.1% of the vehicles sum insured per day, but no less than R265 (group "B” car) per day and not more than R 650 per day with a maximum of 75 days cover, but, limited to a total amount per claim not exceeding R 20 000.
  • Credit shortfall cover is included.
  • Vehicles insured on an agreed value basis for a period of 36 calendar months.
  • Difference in conditions cover included.
  • 24 Hour Roadside Assistance for mechanical & electrical breakdown within the borders of RSA.
  • 24 Hour Home Assist for plumbers, electricians, glaziers, locksmiths & white goods appliances.
  • Safeguarding, emergency repairs & delivery of the vehicle following an insured event. Subject to policy limitations.
  • Replacement of the insured vehicle following a total loss within the first 12 months of registration and provided that it has done less than 30 000km, subject to indemnity limit.

Why Use TOPMARQ Domestic Insurance?

Here are a few reasons why you should choose TOPMARQ domestic insurance:

1. Sound advice. Our staff will provide you with sound advice on the relevant classes of insurance in relation to the various insurable risks which influence your domestic buildings, contents and motor vehicles.

2. Tailored solutions. We will assist you in defining a unique insurance philosophy which suits your personal profile and which will provide you with financial protection against insurable losses.

3. Zero outsourcing. All aspects are handled by our offices. From quotes and implementation of policies through to the handling and settlement of claims.

4. Qualified assistance. Our staff are professionally qualified and compliant with the relevant FAIS and FICA legislative requirements. Each TOPMARQ client has the attention of a Personal Portfolio Manager/Broker to attend to their insurance needs.

Complete our quick and easy quote form, and a consultant will be in touch shortly to discuss your vehicle and property insurance.