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What to do during a ‘hit and run’ accident?

When you operate a vehicle, you should be prepared to expect the unexpected. Kids darting across the road without looking, a bus swerving towards your lane in a bend and the sometimes inevitable – hit and run careless driver.

What to do as a victim of a hit and run accident

Being the victim of a hit and run can add to the stress of being in an accident; the shock can slow down your reaction and you may not know what to do under the circumstance. If you ever find yourself in this situation , here are things you need to remember to do.

  1. Note down as much information as you can

Record as much information as you can to relay to the police. This information can help the police to locate the other driver and ensure you don’t get stuck paying for damages. Quickly take note of the following:

  • License plate number
  • Make, model and colour of the car
  • Time and location of accident
  • Contact information of potential witnesses
  • Direction the driver was heading
  • Pictures of the scene and damage to your car

2. Report the Incident to Police

Call or head to the nearest police station as soon as possible and file an accident report. You will be asked to give a statement. Share all the information you took note of.

3. Contact Your Insurance Company

Alert your insurance company of the accident and bring a copy of the police report and your statement so that they may begin the claims process. If you have been lucky and can identify the driver that hit you and they’re insured, their insurance policy will cover the cost of damage to your car.

What should you do if you hit someone’s car?

Don’t run. Stop and assess the damage you may have caused. Check to see if the person requires medical assistance. Call emergency or police assistance, if the circumstance requires. If it is a minor incident, offer your insurance details and accept liability for the damage you caused.

Remember, operating an uninsured vehicle on the road is illegal. If you get into an accident, you will have to incur the full cost of damage to your vehicle and damage caused to third parties.

Contact us today to renew your insurance policy.

Our new website feature: Feedback and Complaints

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As a company that is dedicated to delivering high quality professional products and services, we’re excited to announce our new tool that we hope will help us to provide even better customer service. We are committed to maintaining a high level of responsiveness to the needs and concerns of our customers and established clients.

In order to do so, we rely on your feedback in order to better our products and services by learning from you, our customers, on how existing functionality may be improved. The information you provide allows us to improve our services so we can serve you better. It’s a win for everyone!

And you’re okay with complaints, too?

Of course! Just as we appreciate compliments and general feedback, we also appreciate any constructive criticism that you may have. If you feel that any service you may have received is under par, we would like to hear about it and hopefully have the chance to make it right.

How do I go about this?

The newest and most effective way is through our website www.sacos.sc/contact-us/ . Click on Feedback and Complaints to complete the online form.

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Step 1: Enter your title and name.

Step 2: Existing customers can enter their policy number.

Step 3: Choose your preferred method of communication, and the category for the feedback you are about to provide. Your options are: General Feedback, General Enquiry, Life Insurance, General Insurance, Compliments and Complaints.

Step 4: Details the nature of your feedback or complaint. Provide as much information as possible, so that we may assist you better.

Step 5: Check the box to show that you have understood the terms for the complaint procedure and click on submit.

A member of our highly trained staff will get back to you as soon as possible via your preferred communication method.

What if I do not have access to a computer, is there any other way I can give my feedback?

Yes! There are several other ways you can give us feedback. You can:

  • Complete our Feedback and Complaints form available at all our branches.
  • Speak to any customer service staff at any of our branches.
  • Contact us on +248 429 5000 between 8.30am to 4.00pm Monday to Friday and on +248 423 2466 for our Praslin office.
  • Email us at feedback@sacos.sc
  • Write to us at: Customer Relations Department, Sacos Insurance Group, PO Box 636, Victoria, Mahé, Seychelles

For business customers, you can call or email your Client Relationship Manager on 4295051 ( crteam@sacos.sc.)

We will acknowledge that we have received your complaint within 24 hours. Where possible, we will outline the steps we propose to take to sort out your complaint. If for any reason you are still not satisfied, you should write or email to:

Chief Executive Officer
Sacos Insurance Group
PO Box 636
Victoria
Mahé
Seychelles
feedback@sacos.sc

Your feedback is very important for us so let us hear from you.

Calculate your insurance premium on your own with our new online calculator

When deciding on buying an insurance policy, one of the big questions that looms in your mind is “how much premium will I have to pay?” (A premium is the amount you pay on a monthly or yearly basis for your insurance policy.)

We have made this process easier for you. Now, at your own convenience, you can calculate the premium on your Junior Plan policy.

Our new online calculator takes the guesswork out of your planning, giving you an answer: right here, right now!

Where can I access the calculator?

 You can find access it on our website under the Junior Plan section.

What does it do, exactly?

 It calculates the premium you will have to pay based on the information you provide on the following:

  • Sum assured (the amount you want your child to receive upon maturity)
  • term years (the length of time of the policy until maturity)
  • age (your current age if you are over 35 years of age; everyone below 36 years can enter the number 35 as it carries the same rate)
  • premium option (you can decide between a monthly, quarterly, biannually or yearly payment)

 

What happens next?

The calculator will instantly calculate your premium! That easy!

The calculator is not a ploy to redirect you to our agents. You can contacts our agents and officers afterwards to get the process started for the Junior Plan. When you meet with us, there are other underwriting conditions which can affect the final quotation you receive, as well as taxes and processing fees:

 Why is this necessary?

 We figure that since you have spent all that time doing your research, and have finally come to the conclusion that buying the Junior Plan is a huge step towards getting essential protection for your children, then the least that we can do is provide you with information in real time. We are always looking for ways to improve our services and bring our services closer to you.

If you would like more information on our Junior Plans pay us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  or call us on 429 5000 or send an email to info@sacos.sc.

 

Travel Insurance promo: Stand a chance to win a FREE return ticket to Colombo

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As part of the festive season and new year promotion, we are giving away a FREE return ticket to Colombo to one lucky customer who has purchased their travel insurance with Sacos between 17 December 2018 and 31 January 2019!

When is the promotion valid?

The promotion is valid between 17 December 2018 and 31 January 2019.

How do I enter the competition?

If you purchase any travel insurance policy during the promotion period, you will be automatically entered into the draw. You will automatically enter the draw if you had purchased you travel insurance before the 17th December but your travel date was after the 17 December 2018.

When will the draw be taken?

The draw will be taken in February 2019.

How will I know the outcome?

The winners will be announced on Facebook and other media outlets, but more importantly, we will contact you through the contact details provided to us when you purchased your travel insurance policy.

If I do not win the star prize, what else can I win?

We’re happy you asked! We’ve teamed up with some awesome local partners who have generously provided other prizes which include: a one night stay for two on bed and breakfast basis at Avani hotel; dinner for two at Berjaya Beach Hotel; dinner for two at Coral Strand hotel; and a Starfish excursion provided by Creole Travel Services!

More importantly, the benefits of travel insurance…

A lot of people might not see the necessity of travel insurance, especially if they are not travelling for long, or do not travel frequently. Your travel insurance covers soooo many things: emergency medical assistance, Accidental Disablement, Loss/delay of luggage, Loss of passport abroad, accidental death… and provides for 24 hours assistance services!

So what are you waiting for? Purchase our recently updated travel insurance policy.  Call us on 429 5000 or send an email to info@sacos.sc for more information!

Add insurance to your New Year’s resolutions!

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What a lot of people fail to realise is that when you buy insurance, you’re buying a promise. It’s a promise that if something catastrophic happens to you or your business, your insurance company is going to assist you in the recovery process*.

There are various types of insurance products: life insurance plans, health insurance, home insurance, motor insurance, travel insurance and more. Regardless, the core of any insurance plan is to offer you protection.

Below are 4 great reasons to consider adding insurance to your new year’s resolution plans.

Secure Future Goals

Right now it may seem like you’re stable and secure, and you may very well be, but what will happen if you suddenly have to face the end of your life? Will your family be able to meet their future needs without you? A life insurance plan would ensure that your family is well taken care of even when you’re no longer around to do it yourself.

Peace of Mind

We’re sure you work as hard for yours as we do for our family. Because life is so ephemeral, we have more than enough reasons to worry about them. Insurance are highly imperative to secure the future of your family in your absence, as well as providing you with the peace of mind that you deserve.

Encourage Savings

This might come as a surprise, but insurance is actually a great investment channel as it facilitates systematic savings (by allocating funds in the form of premium every year). At the end of your policy term, you can reap the benefits by getting a lump sum pay out. It also encourages savings by reducing your expenses in the long run, and helps you avoid out of pocket payments for unfortunate events such as fixing your car following an accident and more.

Manage Risks

Here’s another interesting thing you might not have considered about insurance: it provides for an effective risk management in life. By allowing you to plan for the uncertainties in life. The risk of losing your car, of falling sick (at home or overseas), the risk of your own death and more can be dealt with an effective insurance policy!

Whether you are considering a life insurance plan, motor or health insurance, or even travel insurance at Sacos, we are here for you. Pay us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  or call us on 429 5000 or send an email to info@sacos.sc.

*Terms and Conditions apply

 

Merry Christmas and all the things we should be thankful for

It’s that time of the year again already! As we get ready to celebrate with our loved ones, we pause and say thank you for everything that we have received, and all we have achieved this year: From our new offices, to the friendships and camaraderie we have between colleagues, to our faithful customers, we are thankful for it all.

If you have not had a great year in 2018, here’s a few things you may still have and should be grateful for:

Your family and friends

From the crazy inside jokes and embarrassing memories to heartfelt conversations, be grateful for family and friends that care for you. Many people do not have them.

Your Life

A lot of families will be spending Christmas without a loved one who didn’t make it this far, this year. No matter what you think of your life, you can be thankful that you are still around and can share one more day with the people who loves you the most in this world.

Your Strength

For your ability to keep going when the going gets tough! For being able to support a friend in despair, for that time you felt like giving up but didn’t. Celebrate and be grateful for your strength to face your troubles and overcome your sorrows.

Your Job

You can be thankful for your job no matter your domain or line of work. Appreciate the job that pays your bills and puts food on your table. It may not be the one you want yet, but it’s a stepping-stone to getting it. If you’re still working hard to land that dream job or to reach the highest echelon of your career, keep at it and your efforts will pay off.

Your Health

Be thankful that you are still in good health. If you have some health concerns, don’t delay and check them out quickly. This is also the time to steer yourself onto a healthy path and switch bad vices for good ones.

Your home and everything in it

This Christmas you can be thankful for the roof over your head, your lights that are still one, the potable water through your tap. For many others, this is a luxury they cannot afford. You can also do your part to conserve energy and water. You can also be thankful for your belongings: your bed, sofa, phone and everything that makes a home, a home. Everything that you own has a story. When you got it, why you got it, how you got it, when you used it – every little detail works its way to make your life more complete. Be grateful for those moments hidden in your belongings, but also grateful that you are privileged enough to have them.

If you can think of anything good in your life that you are grateful for, be thankful for those too. At Sacos…we are thankful for you. Have a very wonderful Christmas.

Travel with your kids like a pro

Traveling can be exhausting, especially if you have early mornings or late evening flights with long transit hours. Add children to the mix and your stress level might be through the roof!

As a passenger, you probably keep your fingers crossed that you’re not stuck next to someone with a child, but as a parent, you may feel the guilt and shame coming from other passengers. Nevertheless, with some advanced planning, it is entirely possible to reach your destination with all your hair firmly on your head, your sanity in tact and less reproaching looks from other passengers… well, almost.

Flight booking
Infants and toddlers below the age of two are often given a discount on most flights. This is due to the fact that they can be seated on their parents. Alternatively, you can purchase a seat for your child, but you would likely need a carrier (carseat) for safety. Your child is likely to feel more comforted (and calm) by being cradled by you, but then again, booking the seat next to you for your child, might prevent you from dealing with impatient strangers.

Seat selection
If your airline allows, select your seat online once the option is made available or with your booking agent. For parents with infants, it is better to seat infront where bassinettes can be made available. This will allow your child to sleep comfortably during the flight. Seating infront can also allow you to exit quicker while disembarking. Alternatively, you can seat close to toilets, especially if your child likes to go every 5 minutes and is also useful when changing diapers. IHowever, sitting at the very back of the plane may also be useful as you are likely to receive more help from nearby flight attendants.

Packing
Always bring more than you think you will need! This applies for diapers, formula, wipes and clothing. Load your bag with necessary items such as bottles, diapers and wipes which you can stow underneath the seat infront of you – this will prevent you from disturbing the passenger beside you by getting up often. Be sure to bring an extra pair of clothing for all the children and for yourself. Colouring books and individual packs of crayons are great for keeping little ones busy for a while. Some airlines will provide them, but just in case, pack your own toys. Other things to include can be the child’s favourite stuffed toy or book, but keep it light.

Check-in early
Some airlines offer online check-in to reduce waiting time in queues. You will simply have to drop off your luggage at a designated drop-off counter or at the check-in counter. This way you have plenty of time to double check seating arrangements and bassinet if travelling with a baby.

Before boarding
Security regulations in some countries require your shoes to be scanned so it definitely helps having shoes that are easy to slip on and off. While waiting to board, let the kids walk (or crawl) around as much as possible. They will tire themself out and will be more likely to sleep or stay quiet throughout the flight. Use the bathroom before boarding and change diapers, even if they seem to be clean.

Food
Always carry snacks! Preferably finger foods that are not sticky, crumbly or too messy. If travelling with more than one child, try to make sure there is more than enough for everyone. Liquid items are not allowed inside the airport, so if you bring juice boxes, make sure it is small and can be finished before passing through security. You can buy additional snacks once inside the departure lounge, .

Take-off and Landing
Chewing or sucking can help children and infants to equalise the pressure between their ears and the airplane cabin, especially during take-off and landing. To relieve pressure, you can breastfeed or bottlefeed your child, use a dummy or give them anything to eat, even gum works for older kids. The motion will help to pop their ears. If you can’t be amongst the first to disembark, let the other passengers off first. Don’t hesitate to ask for help if you need it, you’ll find that the ground staff are very accommodating. You might be stressed after having been in a long flight with a child so may be eager to disembark. Be sure to check the area around your seat and the hatch above in case you have not left anything behind.

Safety
Our biggest pro tip? Travel insurance! Nothing worse than something happening when you’re travelling with children. Travel insurance frees up space for you to worry about smaller, menial things. Should your child fall sick overseas, your travel insurance will cover the cost of medical attention for your child.

One last thing, flying with children is not easy, but you have paid for your children’s flight and no matter how exhausting it is, they have just as much right to be on that plane as the next person.


Call us on 429 5000 or send an email to info@sacos.sc for more information on our Travel Insurance.