1. Contact us
Call CoverRoot on 010 123 4567 or email hello@coverroot.co.za. A claims consultant takes over from there.
The CoverRoot process
Simple to apply. Clear when you claim.
Here is exactly what happens from your first estimate to the confirmation SMS, and what your family will need if they ever claim.
Applying
Six steps to cover
You can complete the application from a phone. Have your ID and the dates of birth of your family members ready.
Choose your product and cover
Pick CoverRoot Funeral Cover or VAPS Funeral, then choose a cover amount for each insured member. You see an estimate before you commit.
Capture your details
Enter the policyholder's identity, contact and address details. A valid South African ID fills in the date of birth automatically.
Add your family
Add a spouse, children, parents, siblings or extended family. The premium is calculated from the oldest member covered.
Review and sign
Check the policy summary, accept the declarations and type your full name as an electronic signature.
Verify with an OTP
A six-digit one-time password is sent to the policyholder's mobile. Entering it signs and submits the application.
Confirmation by SMS
The policyholder receives an SMS with the policy number and CoverRoot's contact details. The first premium must be collected before cover starts.
What to have ready
- South African ID or passport number
- Dates of birth for every insured member
- A mobile number that can receive the OTP and SMS
- An email address for confirmation
Built around consent
You accept the privacy consent, confirm the information is accurate, acknowledge the waiting period and authorise the debit order before the OTP step.
Claims
When your family needs to claim
We cannot remove the grief, but we can remove uncertainty about the process.
2. Send the documents
The death certificate, the deceased's ID and the claimant's ID are usually required. We tell you exactly what is needed.
3. We keep you informed
You get a named contact and updates until the claim is decided. Payouts are made to the nominated beneficiary or estate.
Claim requirements and turnaround times are illustrative for this prototype. The approved policy wording and claims procedure will apply to a live policy.
FAQs
Common questions
Still unsure? Call us and we will walk through it with you.
What happens after I submit the application?
CoverRoot checks the application and confirms the first premium collection. In a live system, cover starts once the first premium is received and the policy is issued.
What if I cannot finish in one sitting?
This prototype saves your progress in the browser, so you can return and continue. A live system would save it securely against a reference you can resume with.
Is the OTP my signature?
The typed name together with a successful OTP verification acts as the electronic signature for the application. The OTP proves the policyholder controls the mobile number on the policy.
What documents will I need for a claim?
Typically the death certificate, the deceased's identity document and the claimant's identity document. CoverRoot may ask for additional documents depending on the claim.