Terms And Conditions


1. Detailed description of goods and/or services:
The Insurance Club is a Division of Constantia Insurance Company Ltd Constantia Insurance Company Ltd is an authorised Financial Services Provider Licence Number: 31111.

2. Export restriction:
The offering on this website is available to South African clients only.

3. Return and Refunds policy:
The provision of goods and services by The Insurance Club is subject to availability. In cases of unavailability, The Insurance Club will refund the client in full within 30 days.

4. Customer Privacy policy:
The Insurance Club shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, "personal information" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA).

5. Payment options accepted:
Payment may be made via Visa and MasterCard.

6. Card acquiring and security:
Card transactions will be acquired for The Insurance Club via PayGate (Pty) Ltd who are the approved payment gateway for all South African Acquiring Banks. MyGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no Card details are stored on the website. Users may go to www.paygate.co.za to view their security certificate and security policy.

7. Customer details separate from card details:
Customer details will be stored by The Insurance Club separately from card details which are entered by the client on MyGate’s secure site. For more detail on MyGate refer to www.mygate.co.za.

8. Merchant Outlet country and transaction currency:
The merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).

9. Responsibility:
The Insurance Club takes responsibility for all aspects relating to the transaction including sale of goods and services sold on this website, customer service and support, dispute resolution and delivery of goods.

10. Country of domicile:
This website is governed by the laws of South Africa and The Insurance Club chooses as its domicilium citandi et executandi for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature.

11. Variation:
The Insurance Club may, in its sole discretion, change this agreement or any part thereof at any time without notice.

This document was last updated on 01/06/2017


Privacy Policy


This Privacy Policy governs the manner in which The Insurance Club collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.theinsuranceclub.co.za website (“Site”). This privacy policy applies to the Site and all products and services offered by The Insurance Club.

1. Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

2. Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

3. Web browser cookies
Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

4. How we use collected information
The Insurance Club may collect and use Users personal information for the following purposes:

  • To improve customer service:
    Information you provide helps us respond to your customer service requests and support needs more efficiently.

  • To improve our Site:
    We may use feedback you provide to improve our products and services.

  • To send periodic emails:
    We may use the email address to respond to their inquiries, questions, and/or other requests.

5. How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

6. Sharing your personal information
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

7. Third party websites
Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

8. Changes to this privacy policy
The Insurance club has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

9. Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

10. Contacting us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us: https://theinsuranceclub.co.za/contact

This document was last updated on 16/08/2017

The Insurance Club is a division of Constantia Insurance Company Limited a registered Financial Services Provider FSP #31111, and a member of the South African Insurance Association (SAIA).