products & services - gan direct · pdf file2 products & services, 02_2013 more for...

Products & Services

2 Products & Services, 02_2013

More for Less

Simply The Gan Guarantee offers you the best price, cover and service levels in the market. Price & Cover: If you find a better price and cover elsewhere we Guarantee to beat it.Service: We Guarantee service through our EasySwitch, EasyPay, 24hr Assistance and 24hr FastClaim Service.

24hr Claims Assistance24hr Breakdown Assistance24hr Property Assistance24hr Health Assistance

Why wait? Your claim settled within 24 hours. Either by choosing to use one of our Network Approved Suppliers, or by cheque.

GUARGANPrice | Cover | Service

ANTEE

Why Gan Direct?

At Gan Direct we believe in a world where life is made simpler, easier, and more affordable.

Most Financial Institutions make insurance complicated. They love asterisks and small print, love making it difficult for you to compare deals, and love taking their time in settling your claim.

We love to make it simple by being more direct:

- We cut out the middleman and deal directly with you, hence saving costs and passing the benefits on to you.

- We believe in a service that is simpler, better, faster - hence we take care of everything for you: by switching to us, we take care of all the paperwork for you; if you have an unfortunate event we will be there to fully assist you; if your house floods, we’ll provide emergency assistance to make it habitable as soon as possible.

- We believe in being more direct and transparent, in how we communicate with you. We tell it like it is.

With no hidden agendas. For example, we do turn down high risk cases so we are able to provide more affordable cover to everyone else.

By being more direct, we can keep our promise of “More for Less” - in Motor, Property and Health.

Products & Services, 02_2013 3

MOTOR INSURANCE


Gan Direct Motor Insurance

At Gan, we like to keep it simple to make things easier for you. We undertake to take care of everything for you. You don’t need to read huge documents with loads of small print, just give us a call on 800 5 10 15 or visit our website www.gandirect.com

What type of cover should I get and at what cost?

Whether Third Party, Comprehensive or EuroComp Policy, The Gan Guarantee ensures that if you find a better price, cover and service elsewhere, we guarantee to beat it.

EasySwitch service takes all the hassle out of switching. Simply take your existing policy into one of our branches and we will take care of all the paperwork for you.

And with the EasyPay Monthly service you can arrange to pay in convenient Monthly Installments, with your Credit Card without incurring credit charges.

The table in the next page highlights the benefits and cover available.

We also offer simple, easy, affordable insurance for:

- Motorcycles- Motor Boats and Yachts


Benefits / Cover Available

Medical Expenses for Authorized DriversInjuries or Death to Third Parties & PassengersPassengers Liability to Third PartiesThird Party Property LiabilityBeyond the “Road”Legal Protection & Penal BailWindscreen CoverAccident Forgiveness24hr Breakdown Assistance24hr Claims AssistanceFire, Theft & Attempted TheftHire Purchase, Loan or Long Term Rental AgreementReplacement of Motor Vehicle with NewClaims ProtectionNatural HazardsRiots & StrikesPersonal EffectsLoss of UseDriving Other Cars

More Cover for Less


Benefits / Cover Available

Unlimited Windscreen Cover & 24hr Glass ReplacementOwn Damage to the Insured VehicleIncrease of Limit for Medical ExpensesDrawing a TrailerExcess ProtectionGuaranteed Asset Protection

What and who do we not insure?

Gan Direct believes in being direct and transparent. We tell it like it is. We do turn down high risk cases so we are able to provide more affordable cover to everyone else. Below are some examples of ‘high risk’ cases that we may avoid:

- Supercars and high performance modified cars- Drivers with a history of multiple claims- Inexperienced drivers

Hence, we can offer The Gan Guarantee of more affordable insurance, with more cover and service to everybody else.

More Cover for Less



More Assistance for Less

24hr Claims Assistance24hr Breakdown Assistance

Courtesy Car in case of a Breakdown

Courtesy Car in case of an Accident


What are the additional benefits?

We offer you free 24hr Assistance to help you in case of Breakdown (including flat tyres, starting, unlocking, out of fuel, need to be towed), Windscreen Replacement or an Accident.

Gan Direct also offers you our Key2Key Service - In case of an accident where your car is not drivable we will provide you with a free Courtesy Car until your car is repaired.

We can also provide you with our Key2Key+ Service, whereby you can receive a Courtesy Car in case of a breakdown.

All we ask is that you use one of our Network Approved Repairers. You’ll never be left stranded on the road again.


‘Relay’ provides recovery for your vehicle, driver and passengers to any single destination in case of a Breakdown.

Courtesy Car in case of a Breakdown.

‘Stay Mobile’ provides a courtesy car or transport costs or ovenight accommodation in case of a Breakdown.




- Relay: Provides recovery for your vehicle, driver and passengers to any single destination in case of a breakdown.

- Stay Mobile: If unable to fix your vehicle at the roadside or arrange a prompt local repair, members with ‘Stay Mobile’ may choose between receiving a courtesy car or transport costs or overnight accommodation.

- Key2Key+: Provides you with a Courtesy Car in case of a breakdown. All we ask is that you use one of our Network Approved Repairers.

You’ll never be left stranded on the road again.



24/7 Claims Assistance - there to make your claim experience simpler, better, faster.

Our goal is to be with you within 24 minutes of your call within the town limits.



What happens if I make a claim?

In case of an accident, we provide you with 24/7 Claims Assistance. All you need to do is call 800 5 10 15 and we will take care of everything for you.

Our TaskForce will come to you at the scene of the Accident - our goal is to be with you in less than 24 minutes, within the city limits.

We will then take care of everything for you - from filling in the necessary paperwork, to organising a Courtesy Car should your car be immobilised.

We believe an Insurance Company is only as good as the Claims Service it provides. So we appreciate how important it is for you that we quickly get you back to normal.

Why wait? With our 24 Hour FastClaim Service we will settle your claim within 24 hours, after receipt of all necessary paperwork. You can either choose to use one of our Network Approved Repairers, or we will issue you a cheque.


Simpler, Better, Faster | The Gan SmartAssist App

In case of a Breakdown or Accident you can call 800 5 10 15. Alternatively you can download and use our simple free SmartAssist App to notify us.

Three simple steps:- Download the App from our website - Available for Android & iPhone. - Login - all you need is your Username and Password or your Assured Code and Active Policy Number. - Start using the App - which has been designed with a user friendly interface.

Benefits:- Six options to choose from based on the problem you are experiencing by specifying the assistance you need with a touch of a button. - The RealTime GPS Mapping will show where you are, and more importantly how close our TaskForce is to assist you.


More Convenience for Less


Simpler, Better, Faster | Direct via our Website

Get a quote online now at www.gandirect.com, with the peace of mind of The Gan Guarantee that if you find a better quote, cover and service elsewhere we guarantee to beat it.

Three simple steps:- Register as a Member on the site - we obviously need your details.- Provide us with the details of your vehicle, property or health plan required.- Get a Quick Quote online.

Additional Benefits:- When you become a Gan Direct Policyholder you can EasyRenew your policy via the website in three clicks. Save up to 10% on your Property, Health and Motor Insurance.- “Go Green, Go Paperless” for your Motor Policy and get up to 10% additional discount online.- With Compare&Save, you can compare other company rates to see how much you can save with Gan Direct.

PROPERTY INSURANCE


Gan Direct Property Insurance

Let’s keep it simple. All you really need to know is three things:

- What type of cover should I get, and at what cost?- What are the additional benefits?- What happens if I make a claim?

What type of cover should I get, and at what cost?

Whatever type of Home Policy you choose, you can have the peace of mind with The Gan Guarantee that if you find a better price, cover and service elsewhere, we will beat it.

EasySwitch service takes all the hassle out of switching. Simply take your existing policy into one of our branches and we will take care of the paperwork for you. And with the EasyPay Monthly service you can also arrange to pay in convenient Monthly Installments, with your Credit Card without incurring credit charges.

So whether you are a:- Homeowner- Landlord- Renter- Businesswe have a simple, easy, affordable insurance solution for you.

The table in the next page provides a Quick Guide to what policy you should consider depending on your circumstances.


Your Circumstance | Home

If you own your own home and live in it - Homeowner

if you own a home and rent it out - Landlord

If you rent a house or apartment - Renter

If you own your property, and run your business from the property

Quick Guide

We Recommend

Building & Contents

Building (as the tenants will be responsible for their own Contents Insurance)

Contents (as the Landlord is responsible for the Building Insurance)

Building & Contents


Your Circumstance | Business & Commercial We Recommend

If you own the property, but rent it out

If you rent a property to run your business from

Building

Contents

Building & Contents Cover Available

Fire / Lightning / Explosion / Smoke / ImpactEarthquake / Volcano / Hurricane / Storm / FloodEscape of Water from any Tank, Apparatus or PipeRiot, Strikes, Labour Disturbances or Malicious Damage

Accidental damage to domestic oil pipes, sewers, drains, undergroundgas pipes, underground electricity and telephone cables

More Cover for Less


Subsidence, Landslip, or Heave

Falling of fixed television aerials & fixed satellite dishesDamage of falling trees, telegraph poles & lamp posts

Accidental breakage of fixed glass, double glazing, solar panels, sanitary features and ceramic hobsLegal Liability to the Public

Building Cover Available

TheftIncreased metered water charges

Aircraft & other aerial devices or Articles Dropped therefrom

Loss of Rent & Costs of Alternative Accommodation

Escape of oil from a fixed oil-fired heating installation

Accidental Damage to the Building and the Contents

Contents Cover Available

TheftAccidental damage to Audio and Audio Visual Units (TV sets, Video Recorders and Computers)Accidental breakage of mirrors, glass tops and fixed glass in furnitureTenants LiabilityLoss or Damage to Property of ServantsContents in the Open or temporarily removedFatal injury to the Insured and/or SpouseFuneral costs of the Insured and/or SpouseLegal Liability for Domestic StaffLegal Liability to the PublicReplacement LocksValuables and Personal Effects and Specified Items within EUContents of frozen food cabinets or domestic refrigeratorPedal Cycles within EuropePersonal Money and Credit Cards within EUClassic Vehicle CoverThird Party Liability for Speed BoatsPet InsuranceHunters Liability

Pet InsuranceChristmas Seasonal increase Golfers Liability


Gan Direct believes in being direct and transparent. We tell it like it is. As such, below are the most significant exclusions to the Property Policies.

Any loss or damage in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or destruction of or damage to property by or under the order of any government or public or local authority.

Radioactive Contamination and Nuclear Assemblies.

Any Act of Terrorism.

Loss or Damage due to wear and tear or gradual deterioration.

Damage caused by insects, vermin or fungus and domestic pets.

What is not covered




24hr Property Assistance

Security, Heating, Plumbing & Drainage, Electrical Wiring Emergencies Replacement Lock Service.Call-out fee and up to one hour’s labour charge is covered.

Security, Heating, Plumbing & Drainage, Electrical Wiring Emergencies Replacement Lock Service.Labour charges and the cost of replacement parts are covered up to a specified amount depending on your needs.



We offer you 24hr Property Assistance to help you in case of Security, Heating, Plumbing, Drainage, and Electrical Wiring Emergencies. In case of Break In and Theft, we also offer a free Replacement Lock Service.

With ‘Response’ in the event of an emergency, we will:

- Advise you on how to protect yourself and your property immediately when you call our freephone 800 5 10 15

- Organise and pay the cost of providing emergency assistance via our authorised repairers, including call-out fee and up to one hour’s labour. Major parts are excluded, but minor parts may be replaced at our discretion.

- Guarantee all permanent repairs for 12 months.

With the Comprehensive ‘Total Response’ Service, labour charges and the cost of replacement parts are covered up to a specified amount depending on your needs.

Whichever you choose, you will be in good hands.



24/7 Claims Assistance - there to make your claim experience simpler, better, faster.

Our goal is to be with you within 24 minutes of your call within the town limits.



What happens if I make a claim?

In case of an accident, we provide you with 24/7 Claims Assistance. All you need to do is call 800 5 10 15 and we will take care of everything for you.

Our TaskForce will give you an estimated time of arrival - our goal is to be with you in less than 24 minutes.

We will then take care of everything for you - from filling in the necessary paperwork, to organising all the necessary emergency assistance required to get your property back to normal as quickly as possible.

We believe an Insurance Company is only as good as the Claims Service it provides. We appreciate how important it is for you that we quickly get you back to normal.

With our 24 Hour FastClaim Service we will settle your claim within 24 hours. You can either get your property back to normal by choosing one of our Network Approved Suppliers, or settle by cheque.

HEALTH INSURANCE


Gan DirectCare Insurance

What does DirectCare mean?

If security and total peace of mind for you and your family is what you are looking for, DirectCare is your solution. DirectCare provides protection and comprehensive cover for you and your loved ones in the unfortunate event of:- Death- Dread Disease- Disability- Inpatient and Day Patient Treatment- Outpatient Treatment- Travel and Transportation Benefit

What makes DirectCare different?

Simply The Gan Guarantee offers you the best price, cover and service levels in the market.

EasySwitch service takes all the hassle out of switching. Simply take your existing policy into one of our braches and we will take care of all the paperwork for you. And with the EasyPay Monthly service you can also arrange to pay in convenient Monthly Installments, with your Credit Card without incurring credit charges.

We will provide you with 24 Hour Medical Assistance, and when you do need medical care, our 24 Hour FastClaim Service ensures your medical costs are paid promptly within 24 hours, after receipt of all necessary documentation.


Guardian Angel

We appreciate that hospital treatment can be worrying and stressful. Should you be in the unfortunate position of requiring Inpatient Treatement or Casualty Care, we will be there for you to check you in, visit and check you out to ensure everything is fine.

Tailored to your needs

DirectCare is flexible and affordable to meet your individual and family needs:

- The Benefits and Cover that mirror your individual needs- The level of cover based on a Schedule of Fees- The Geographical Areas of Cover


In addition to DirectCare, Gan Direct also offers Alien Workers Medical Insurance, which is designed for “alien workers” (other than residents of the European Union) who apply for a temporary work permit and residence in Cyprus or for the extension of such a permit.

It is the employers’ obligation to obtain Alien Workers Medical Insurance for their employees and it is a condition for issuing an entry permit or renewal of temporary residence and work permits of non-EU foreigners in Cyprus.

What are the Benefits & Cover?

DeathDue to any cause attributable to the insured’s occupation

StrokeCancerKidney FailureMajor Organ Transplant

Return / Repatriation of PatientReturn / Repatriation of Accompanying Relatives

Dread Disease

Disability

Travel and Transportation Benefits


Heart Attack

Visit and Accommodation Expenses of a Family Member

Due to any cause

Medical Transportation

Repartriation of the Corpse

Inpatient and Day Patient TreatmentHospital Accommodation & Operating TheaterAccidents, Emergencies, Intensive CareSurgeons, Assistant Surgeons, AnaesthiologistsMedical PractitionersPrescription Medicine, DressingsRestorative SurgeryDiagnostic Tests and Procedures, X-Rays & MRI/CT ScansTreatment for CancerParental Hospital Accommodation

Outpatient Treatment

Prosthetic Devices and ImplantsNew Born Baby Benefit

Diagnostic TestsFamily Doctor, Treatment and Referrals

Prescription MedicinesPost Surgery Physiotherapy


What are the Benefits & Cover?

Free 24 Hour Medical Assistance

With DirectCare from Gan Direct we offer:

- 24 Hour Medical Assistance- 24hrs Health Helpline Assistance: Provide 24 Hour Medical Advice from qualified and specialised medical teams- In cases of emergency requirements, out of the country of stay, we will arrange treatment based on medical diagnosis. In addition, we will organise direct transportation of the patient and relatives including accommodation expenses


Gan Direct believes in being direct and transparent. We tell it how it is. As such, below are the most significant exclusions to the DirectCare Cover. Full details can be found in the Policy Booklet.

What is not covered?

Inpatient and Day Patient TreatmentA voluntary abortionBirth defects or congenital illness, correct sexual activity and birth controlSuicide or attempted suicideChronic supportive treatment of renal failure, including dialysisAny medical condition caused by warRelaxation careCosmetic or Aesthetic Surgery

Outpatient Treatment


Dental / Orthodontic Treatment

What is not covered?

Dread Disease and inpatient and Day Patient Treatment And Outpatient TreatmentAny undisclosed pre-existing condition and/or symptoms that were known or should have reasonably been known to the insured

Pregnancy and Childbirth

Alcoholism, use of drugs

Inpatient and Day Patient Treatment and Outpatient TreatmentHair Loss

Mental or nervous illness and other disorders

Psychotherapy, psychologist


HOW TO CONTACT US

Contact our Call Center on 800 5 10 15 (or if overseas on 00 357 25 885 885)8am-6pm, Monday to Friday (except public holidays) - for Assistance, we are available 24/7

Via our website www.gandirect.com 24 hours a day - additional discounts available online

Via email to [email protected]

Visit one of our branches that are situated all over the island. Location finder can be found on the website

By Post - P.O. Box 51998, 3509 Limassol

Via our SmartAssist App - Simply download the App from our website

By Fax - +357 25 822 668


More for Less


GUARGANPrice | Cover | Service

ANTEE

Simply The Gan Guarantee offers you the best price, cover and service levels in the market.Price & Cover: If you find a better price and cover elsewhere we Guarantee to beat it.Service: We Guarantee service through our EasySwitch, EasyPay,24hr Assistance and 24hr FastClaim Service

24hr Claims Assistance24hr Breakdown Assistance24hr Property Assistance24hr Health Assistance


SwitchDeals Get 10% when you switch your Family Health Insurance to Gan Direct.

EasyRenew Renew via the website in 3 clicks and save up to 10% for your Property, Health and Motor Insurance.

EasySwitch to Gan Direct and Save 33% off your current Property Insurance. Guaranteed.


LimassolHeadquarters: 220, Arch. Makarios lll Ave., Stelmaria CourtOmonia: 51B, Vasileos Pavlou Str.

Nicosia53, Athalassas Ave., Strovolos

Larnaca89, Arch. Makarios lll Ave.Filanda Court, Shop 4&5

Paphos2, Boumboulinas Str.

Paralimni57, 1st April Str.

MAILING ADDRESS: P.O. Box 51998, 3509 Limassol


products & services - gan direct · pdf file2 products & services, 02_2013 more for...

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