On-demand accident cover a world first

OVER THE holidays, many South Africans head home. Given the riskiness of our roads, one of the greatest gifts you can give a person who works for you is peace of mind.

Go Cover – the world’s first on-demand accidental injury cover from Sanlam – is simple and convenient. In five minutes, you can give your domestic helper accident cover for the festive season, or any time, via the Sanlam Go Cover app.

Jack Kruger, the head of design at Sanlam, says that you can get up to R1 million in cover (for yourself; up to R300 000 for someone else or groups) from only R12 a day to as little as R2.20. You can buy it once off for 24 hours or for up to 90 days, or opt for it to recur weekly, fortnightly or monthly – or custom select any combination of days.

Cover includes protection against over 30 different accidental injuries and death, wherever someone is in the world.

Many domestic helpers and their families travel long distances by public transport over the festive season. South Africa’s roads are not safe. Last year, the holiday statistics were horrific, with close to 800 fatalities in only 18 days. Public and freight transport vehicles were frequently involved, while 10 666 fines were issued to drivers without driving licences, 9 620 to drivers who weren’t wearing seatbelts, 8 481 were for unlicensed vehicles. Here’s how Go Cover works:

1. Download the Sanlam Go Cover app from your app store.

2. Select or add people you want to cover.

3. Select the period you want cover for.

4. Confirm the amount of cover, and accept the quote or amend cover details.

5. Check out and pay with your personal or business debit or credit card.

You can opt for a once-off cover period, or set to recur weekly, fortnightly or monthly. There’s no paperwork, and no long-term contract.

When buying cover for someone else, you do need to note:

◆ You only need the person's mobile number, email address, nationality, ID (if South African), or passport number and date of birth (if non-South African).

◆ When you're buying cover for someone else, or a group, there's a 24-hour activation period before it kicks in.

◆ Cover for another person is limited to R300 000.