These terms and conditions govern the Voooma Journey Cover Policy which is underwritten by Old Mutual Alternative Risk Transfer Limited (OMART) and offered to the public.
Different Life (Pty) Ltd (Different Life) is an authorised financial services provider (FSP Number: 45453), licensed by the FSCA (Financial Sector Conduct Authority) to market, distribute and service long-term insurance products underwritten by Old Mutual Alternative Risk Transfer Limited (OMART), a licensed life insurer under the Insurance Act (IA).
Different Life will provide relevant product information so that you can make an informed decision. As you go through the process we will highlight important information so that there are no surprises when it's time to claim. We do not offer financial advice on the product.
Different Life provides binder and administration services for which pre-determined monthly fees are paid by OMART to Different Life.
Physical Address: 199 Bryanston Drive, Bryanston Place Office Park, Bryanston, Gauteng, 2191
Postal Address: P.O. Box 3812, Dainfern, Johannesburg, 2055.
Telephone: (010) 020 1921
Website: www.differentlife.co.za
OMART, the underwriter of this contract, company registration no. 1997/008994/06, is a licensed life insurer under the Insurance Act (IA).
Physical Address: Mutualpark, Jan Smuts Drive, Pinelands, Cape Town.
Postal Address: P O Box 455, Cape Town, 8000
Telephone: 021 504 6423
Email: OMARTComplaints@oldmutual.com
Old Mutual Alternative Risk Transfer Limited (OMART), is a registered long-term insurer and member of the Old Mutual Group.
The Voooma Journey Cover Policy is underwritten by Old Mutual Alternative Risk Transfer Ltd, a licensed life insurer and distributed by Different Life (Pty) Ltd, an authorised FSP. Your Accidental Death Benefit, Accidental Temporary Disability and Daily Hospital Benefits under the Policy is automatically created after you select your benefit options and paid your premium via the Voooma online platform. This policy also includes access to an Emergency Medical Services benefit provided by Europ Assistance.
At application stage you may also elect to cover other lives under this policy.
For the purposes of Voooma Journey Cover, an “accident” or “accidental” specifically relates to an accident involving the motor vehicle, train, bus or domestic flight in which you are undertaking the insured journey.
A Journey is defined as an irregular trip taken between provinces or cities within South Africa via a motor vehicle, train, bus or domestic flight that is more than 100km in distance.
WHAT BENEFITS DO I ENJOY UNDER THIS POLICY?
This benefit offers you access to the 24 hour medical evacuation and transportation service (“Emergency Medical Services”) of Europ Assistance. OMART will cover the cost of Europ Assistance providing the Emergency Medical Services Benefit to you. You are free to make use of any other service provider, but in that case you will not be covered under this benefit. The policy benefit therefore ONLY covers the Emergency Medical Services benefit if rendered by Europ Assistance. You cannot hold OMART or Different Life responsible for any negligence on the part of Europ Assistance in delivering this benefit to you. You cannot hold OMART or Different Life responsible for any inability on your part, for whatever reason, to make contact with Europ Assistance in the event of an accident related emergency. It is important that you for example keep the Europ Assistance emergency contact number 0860 211 112 available throughout the journey and ensure that you have sufficient airtime to make the emergency call if required.
Voooma Journey Cover is underwritten by Old Mutual Alternative Risk Transfer Ltd, a licensed life insurer and distributed by Different Life (Pty) Ltd, an authorised FSP.
For record keeping, OMART and Different Life will keep your information stored securely with no unauthorised access allowed. We need to store, process and share your personal information with partners where necessary to meet our obligations to you under this contract. We will always protect your information.
You are not covered if you are a Professional Long-Distance Driver day job is driving and you were the driver on the insured Journey. A Professional Long-distance driver means a driver whose normal occupation includes driving or operating a vehicle over a Journey as defined above.
By taking out this policy you consent that in the event of a claim, we may access your medical records and any other information that we consider relevant to the claim.
You may cancel this policy at any time , up until 3 days before the scheduled travelled date, and we will refund your premium to you. If your trip is cancelled within three days of your scheduled travel date, you will need to provide evidence in writing confirming this, and then we will refund your premium to you.
If this product does not live up to your expectations you can cancel your policy at any time. If your trip is cancelled within three days of your scheduled travel date, you will need to provide evidence in writing confirming you did not travel. This policy has no surrender value.
Different Life may collect and process certain personal information for communication and administrative purposes. Collection and processing of this information will help us render better service to you, and secure products tailored to meet your needs. Subject to the exceptions stated below, Different Life will obtain your express consent before collecting, processing, maintaining or disclosing your personal information for marketing purposes. Information that we collect may be stored and processed in, and transferred to, countries outside South Africa, but such countries shall have the same level of data protection as is applicable in South Africa. In the following circumstances, Different Life may collect, process or deal with your personal information without your consent:
We may share your personal information with partners, who may include:
On purchase of your Voooma Journey Cover, an email and an SMS with a link to your policy document will be sent to you. A sample Voooma Gold policy can be viewed here.
In the event that you suffer loss or damage of any nature due to Different Life acting on your instructions or communications, or instructions or communications that purportedly emanate from you, you waive any right to take action against Different Life. Furthermore, you indemnify Different Life against all and any claims, liabilities, losses, costs, fines, damages and expenses arising because Different Life acted on your instructions or orders or instructions or orders which purportedly emanate from you.
If you are not satisfied with any aspects of your policy or services provided by Different Life on behalf of OMART, please allow us the opportunity to resolve the issue as quickly as possible. For us to give your concerns the attention they deserve and ensure a quick response please contact us on: voooma-complaints@differentlife.co.za.
You may also contact OMART at OMARTComplaints@oldmutual.com.
The Compliance Officer: Germa Beukes of Sirius Lex Consulting, Telephone: (012) 809 1180; Email: germa@siriuslex.co.za. The Compliance Officer deals with issues relating to Different Life’s compliance with the Financial Advisory and Intermediary Services Act, 37 of 2002 (FAIS Act).
The OMART Compliance Officer: OMARTCompliance@oldmutual.com
You may also contact the Office of Internal Arbitration at Old Mutual at PO Box 80, Mutualpark, 7451. Fax +27 21 504 7700 or email arbitrator@oldmutual.com
If you feel that Different Life has contravened the provisions of the FAIS Act, and/or has rendered financial services in a manner that may affect you adversely, please contact the Compliance Officer at the contact details listed above.
Our consultants who do not meet the full Fit and Proper Requirements as defined by FAIS render services under management supervision.
Different Life has professional indemnity insurance.
Different Life has and maintains an Anti-Money Laundering Policy in accordance with the Financial Intelligence Centre Act.
Voooma Journey Cover will pay out if you die, are hospitalised or are disabled as a result of a journey-related accident as a non-professional driver or passenger.
Any cause other than a journey-related accident as defined herein including suicide, attempted suicide and post traumatic stress disorder.
If you are a Professional Long-distance Distance Driver as defined above and the driver on the insured journey, you cannot claim.
For claims information please refer to our claims page.
If you are still not satisfied with how your complaint has been dealt with then you can contact the FAIS Ombud where this has to do with any of the intermediary services provided by Different Life:
Postal: P O Box 74571, Lynnwood Ridge, 0040
Telephone: 012 762 5000 / 012 470 9080
Email: info@faisombud.co.za
Fax: 012 348 3447
For unresolved complaints about the actual products and their respective features then please contact the Long-Term Insurance Ombud:
Postal: Private Bag x45, Claremont, 7735
Telephone: 0860 103 236
Email: info@ombud.co.za
Fax: 021 674 0951
Postal: P.O Box 31533, Braamfontein, Johannesburg, 2017
Complaints email: complaints.IR@justice.gov.za
General enquiries email: inforeg@justice.gov.za.
If you would like to institute legal proceedings regarding your complaint, you need to do so within 3 years. If legal action is not taken within this time, you will lose the right to dispute.
If your complaint remains unresolved even after you have made representations to us to have the decision reversed, your lawyer must institute legal action on your behalf within the above time limit.