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Cookies Policy

Last updated: June 07, 2023

This Cookies Policy explains what Cookies are and how We use them. You should read this policy so You can understand what type of cookies We use, or the information We collect using Cookies and how that information is used. This Cookies Policy has been created with the help of the Cookies Policy Generator.

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about You may be linked to the information stored in and obtained from Cookies. For further information on how We use, store and keep your personal data secure, see our Privacy Policy.

We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the Cookies We use.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Cookies Policy:

  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Cookies Policy) refers to Hoot Cover, 155 West Street, Sandown, Sandton, South Africa, 2031.
  • Cookies means small files that are placed on Your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses.
  • Website refers to Hoot, accessible from https://hootcover.co.za/
  • You means the individual accessing or using the Website, or a company, or any legal entity on behalf of which such individual is accessing or using the Website, as applicable.

The use of the Cookies

Type of Cookies We Use

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser.

We use both session and persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies

    Type: Session Cookies

    Administered by: Us

    Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

  • Functionality Cookies

    Type: Persistent Cookies

    Administered by: Us

    Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

Your Choices Regarding Cookies

If You prefer to avoid the use of Cookies on the Website, first You must disable the use of Cookies in your browser and then delete the Cookies saved in your browser associated with this website. You may use this option for preventing the use of Cookies at any time.

If You do not accept Our Cookies, You may experience some inconvenience in your use of the Website and some features may not function properly.

If You’d like to delete Cookies or instruct your web browser to delete or refuse Cookies, please visit the help pages of your web browser.

For any other web browser, please visit your web browser’s official web pages.

More Information about Cookies

You can learn more about cookies: What Are Cookies?.

Contact Us

If you have any questions about this Cookies Policy, You can contact us:

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Hoot Motor Plan

3 Levels of Cover to Choose From

R35,000 Cover
R386/month
R50,000 Cover
R498/month
R75,000 Cover
R665/month
Disclosures

The Insurer (Product Supplier)
The Insurer underwrites the benefits of your Policy. Your Policy conforms to the requirements of the Short-Term Insurance Act 53 of 1998 (as amended) and in no way detracts from your legal rights.

Guardrisk Insurance Company Limited
Reg. No. 1992/001639/06
FSP No. 75
The Marc, Tower 2, 129 Rivonia Road, Sandton, 2196

Complaints

Email: complaints@hootcover.co.za
Tel: 0861 02 4668

Compliance

Tel: (011) 669-1104
Email: compliance@guardrisk.co.za

You can access Guardrisk’s Complaints Resolution Policy at: www.guardrisk.co.za or email: complaints@guardrisk.co.za. You can access Guardrisk’s Conflict of Interest Management Policy at: www.guardrisk.co.za.

Intermediary

Hoot™ will provide all disclosures as part of your onboarding process, which will also be available in your self-service area. If you purchased the Policy through an intermediary, you should be provided by the intermediary with the details of the premiums, commissions and any monetary obligations assumed by you directly or indirectly when buying your Policy.

The Administrator

HootTM is a product of Innovation FSP (Pty) Ltd, a licensed Financial Services Provider for the purposes of the Financial Advisory and Intermediary Services Act 37 of 2002, FSP No. 21468.

Innovation FSP (Pty) Ltd
Reg. No. 1997/005662/07
VAT No. 4360174033
FSP No. 21468
155 West Street, Sandton, Johannesburg2194
Web: www.innovation.group
Tel: 0860 21 0007

Innovation Group FSP and Innovation Group distribution are authorised Financial Services Providers in terms of the FAIS Act and are entitled to render intermediary services relating to short-term insurance category 1 in respect of personal and commercial lines. Innovation Group FSP and Innovation Group distribution, which have contractual relationships with different Insurers, hold professional indemnity and fidelity guarantee insurance.

Conflict of Interest

HootTM has adopted a conflict of interest policy, which is set out on our website: www.hootme.co.za/conflicts.

Fees and Commissions payable

Hoot Engine Mobility
Regulatory Binder Fee (Administrator)
12.5%
Regulatory Commission
12.5%
Total Premium
As Per Schedule

All premiums and commissions include VAT at ruling rate.

The premium amount due by the Insured is payable in advance for the cover period.
The fees and commissions are paid by the Insurer.