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    'text' => 'From: noreply@bcawc.co.za<br />
<br />
Subject: Mont Blanc Body Corporate - CHANGE IF INSURANCE FROM SANTAM TO IUM<br />
<br />
<br />
<br />
<br />
<br />
Dear Owner<br />
<br />
CHANGE OF INSURANCE COMPANY<br />
<br />
Please note that the board of Trustees resolved, and a duly<br />
constituted meeting held on Monday, 29 April 2024 to appoint IUM<br />
INSURANCE as the insurer for the Body Corporate effective 01 May 2024.<br />
<br />
Decision made was as follows:<br />
<br />
Santam renewal quote effective 01 May 2024 was R40715.93 per month<br />
(double on what was currently being paid per month R20850.17). Due to<br />
the claim&rsquo;s history being 104%, Santam was running at a loss on the<br />
claims ratio, reason for the increased renewal premium.<br />
<br />
Meeting was scheduled with Elizma Theron from PLM (broker) to discuss<br />
the policy renewal and quotes on Wednesday 24 April 2024. KPLM<br />
requested quotes and advised no one else in the market was prepared to<br />
quote, except for IUM. Request was for KPLM (brokers) to approach<br />
Santam, and request if the geyser excess was increased from the<br />
current R2500 to R5000 how this would impact the policy and the<br />
renewal monthly fee.<br />
<br />
Below a summary:<br />
<br />
* Santam Renewal NO GEYSERS - R 21,306.27<br />
* Santam Renewal increasing the geyser excess from R2500 to R5000 -<br />
R 37,091.45 (This would still be R16241.28 more a month that was<br />
currently being paid)- by increasing the excess the renewal premium<br />
would only drop with estimated R3500.<br />
* IUM &ndash; geyser excess R5000 &ndash; R30&nbsp;613.60 (This would be<br />
R9763.43 more than what was currently being paid)<br />
* IUM &ndash; geyser NO GEYSERS &ndash; R20&nbsp;061.34<br />
<br />
AS PER IUM QUOTATION IUMPSS147824 ALL GEYSERS WOULD HAVE BEEN INSURED<br />
FOR R12500 LESS R5000 EXCESS= NETT R7000 THAT WOULD HAVE BEEN PAID<br />
OUT.<br />
<br />
The trustees opted to appoint IUM insurance, exclude the geyser and to<br />
self-insure the geysers by opening a provision account and monthly<br />
transferring the saving of R9763.43, rounded off to R10&nbsp;000 per month<br />
to this account). The premium would remain in line with what currently<br />
was being paid.&nbsp;OWNERS WILL STILL HAVE TO PAY THE EXCESS TO THE<br />
PLUMBER OF R5000.00.<br />
<br />
It was noted that the self-insured amount R10&nbsp;000 to be transferred<br />
monthly will have to be added to the budget as part of the insurance,<br />
to be ratified at the upcoming AGM (as the new budgeted was already<br />
implemented 01 March 2024).<br />
<br />
The Resolution approved and signed to be ratified at the AGM.<br />
<br />
On behalf of the Trustees Mont Blanc<br />
<br />
&nbsp;<br />
<br />
-------------------------<br />
ATTACHMENTS:<br />
RESOLUTION_INSURANCE_appointIUM_signed.pdf<br />
[https://click.weconnectu.co.za/ls/click?upn=u001.iAknLuBOljEJlaZzwdrvvIb2GNsE7owEFq9XhHaTcG6w4UnUt9W7vIToF8nf65RbY-2B2QeAvJdP6z2sdqFpumvohTNJn-2Fuxeqyr4RJP-2BqQ9S6y-2B-2BBcSj1ZqT3meg2lsL4z9q8Qz4W0t-2BVi-2BqUDpmarMONAouVysKYVRwqQtifHKkSLU-2BJgLPdqT21-2BrsZvEX3o9Y4_R2IiUKxd2k4AdCmaPDFKxCEMAHt2L-2BXIXDUV1ffrEmxjEzM7pb7rQD3DQtXJM-2FCsCFU3yDwvCLr1ZRzkoJVfdPx7SyEPvHZlv-2FmMlFG-2FMimO2d1edVQ3s-2B6pRTDEHTeNX-2Ba2ZjY89kL4D-2BrHwWdhpRzCUoe-2F6OPrydll3ccrznjjp-2FVbNofIjH0Jfm3LFZxO5o644I4KCPnFWNxSlmK4td98cgCY3QT4TXhQNQte3K7GlFi3ekseFkausNkjudJTvgt78ZAIOHiHTV3LhJljhjmtbkgnC0Gt-2Fi2tHN2XoAI-3D]<br />
&nbsp;',
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