Kern Insurance Solutions Consult General & FSP information:
Kern Insurance Solutions Consult (KISC) promises to provide the best advice for your short-term insurance needs and will always recommend the best quotation based on a number of factors including premiums, basic excesses, endorsements and exclusions.
KISC cannot guarantee that we will beat your current insurance premiums or match current benefits and excesses with the quotes that we provide but will at all time only recommend the best quotations for you.
Quotations are free and there are generally no broker fees built into the quotations which we supply however there is a percentage broker commission built into the policy premiums automatically by the insurer which will be collected by KISC.
Quotations are subject to the claims history and financial background of the client and will be verified at the underwriting of a policy. The insurer retains the right to accept or reject any quotations done by KISC for the client should the information provided during quotations be found incorrect, falsified or fraudulent.
Kern Insurance Solutions Consult (Pty) Ltd, Registration no. 2005/007574/07 is the holder of a category I Financial Services Provider License with FSP number 25031. The licence includes the authority to provide financial services with respect to Short Term Insurance (personal lines and commercial lines). Kern Insurance Solutions Consult (Pty) Ltd has contracts with various Short Term Insurers in South Africa.
Please click here for a list of Short Term Insurers with which we hold contracts if you wish to obtain more information in this regard. The business has not earned more than 30% commission from any of the insurers within the past 12 months, and also does not hold more than 10% shares in any insurer. From time to time we may receive an award from a product provider. Please request a copy of our gift register if you wish to obtain more information in this regard. Kern Insurance Solutions Consult (Pty) Ltd does hold professional indemnity cover. We have a policy on Conflict of Interest which is available on request.
It is hereby declared that Christy Janse van Rensburg, Dirkie Grove, Calvin Simigianis, Cherise Barnard, Andreas Schalekamp & Edric Page are Representatives working under supervision.
Trevor Laubscher: Moonstone Compliance (Pty) Ltd; 25 Quantum Street, Technopark, Stellenbosch. Tel: (021) 883 8000. Fax: (021) 883 8005 or (021) 883 2590. PO Box 12662, Die Boord, 7613, Stellenbosch.
We have a complaints resolution system which you will find at our office. If you have any queries or concerns, please don’t hesitate to send us a message via fax at 012 809 3326 or e-mail firstname.lastname@example.org.
Kern Insurance respects your privacy.
Any personal information you provide to us including and similar to your name, address, telephone number and e-mail address will not be released, sold, or rented to any entities or individuals outside of Kern Insurance. While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to Kern Insurance and you are solely responsible for maintaining the secrecy of any passwords or other account information.
What information do we collect?
We collect information from you when you register on our site, place an order or fill out a form.
When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, phone number or country.
What about social media?
We may gather information from social media linked to our website. Information can be gathered by like, share, comment, message or advertising. Information gathered from social media will be treated with the same respect for privacy as information gathered from our website.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
To provide you with insurance quotations from various insurance companies based on your specific requests to us.
To personalize your experience (your information helps us to better respond to your individual needs)
To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
To process transactions (Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.)
To administer a contest, promotion, survey or other site feature
To send periodic emails (The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.)
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
We understand that your personal information is important to you and that you may be apprehensive about disclosing it. Your privacy is just as important to us and we are committed to safeguarding and processing your information in a lawful manner. Where we share your information, we will take all precautions to ensure that the third party will treat your information with the same level of protection as required by us. Your information may be hosted on servers managed by a third-party service provider, which may be located outside of South Africa.
We also want to make sure that you understand how and for what purpose we process your information. If for any reason you think that your information is not processed in a correct manner, or that your information is being used for a purpose other than that for what it was originally intended, you can send an email to email@example.com and we will assist you accordingly. You can request access to the information we hold about you at any time and if you think that we have outdated information, please request us to update or correct it.
Purpose for storing & processing your information:
We collect, hold, use and disclose your personal information mainly to provide you with access to the services and products that we provide. We will only process your information for a purpose you would reasonably expect, including:
Providing you with advice, products and services that suit your needs as requested.
To verify your identity and to conduct credit reference searches.
To issue, administer and manage your insurance policies.
To process insurance claims and to take recovery action.
To notify you of new products or developments that may be of interest to you.
To confirm, verify and update your details.
To comply with any legal and regulatory requirements.
Some of your information that we hold may include, your first and last name, email address, a home, postal or other physical address, other contact information, your title, birth date, gender, occupation, qualifications, past employment, residency status, your assets, insurance, income, expenditure, and your banking details.