Proactive stewardship of our non-motor portfolio

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Following the success of the Power5 initiative, one of our greatest takeaways was the importance of intentional and proactive management of our loss ratios. With that in mind, we are proud to introduce Power4, a strategic initiative launched in FY25 to sharpen our focus on the non-motor portfolio. Historically, non-motor has been the stabiliser of the insurance industry, delivering consistently favourable loss ratios. However, the landscape has shifted.

Plumbing Cost Increase
0 %+

Year-on-year rise in claims

Target Reduction
0 %

In plumbing claim costs

Sustainability Goal
FY 19

Clear focus on the future

Power4: a focused effort to drive claims efficiency and cost control across the non-motor space, with a clear eye on sustainability for FY26 and beyond.

Key focus areas:

Plumbing claims efficiency with FOGI

Partnership aimed at reducing average plumbing claim costs by 35%

Non-Motor salvage management

Enhanced fraud prevention and risk management strategy

Internal loss adjusting capabilities

Building in-house expertise to strengthen control over large claims

Please send all notifications to: nonmotorsalvage@hollard.co.za

The full process is outlined in the Hollard Insure Claims Framework.

We’re excited to partner with you as we grow Power4 from its infancy into a mature, high-impact initiative. Through open dialogue and collaboration with our Broker teams and Suppliers, we’re confident that we’ll continue to deliver value and resilience across our portfolio.

Let’s keep building – together.

Internal loss adjusting capability

We’re excited to announce the upcoming launch of our internal loss adjusting capability, scheduled for September/October 2025.

While this journey is promising, it is also approached with caution due to concerns about unreliable workmanship or miscommunication. We anticipate that this project management tool will alter this narrative by fostering trust and transparency throughout the reinstatement process, ultimately leading to higher satisfaction and successful project completions.

Why this matters:

One of our key objectives is to reinstate more building repairs, shifting away from cash settlements where appropriate. This approach not only improves outcomes for clients but also strengthens our control over quality and cost.

Technology-driven transformation:

To support this evolution, we plan to pilot and integrate advanced web and mobile project management tools to enhance our ability to reinstate more building claims, which is a highly desirable outcome. This tool will streamline the building repair process and improve communication among service providers, brokers, and insured parties. In an industry where insured parties and brokers may sometimes suspect service providers of cutting corners, and service providers may find clients to be overly demanding, this tool aims to bridge these gaps with clarity and accountability.

Additionally, we’re exploring augmented reality (AR) solutions to accelerate and refine the assessment process.
These technologies will allow us to:
  • Reduce turnaround times compared to traditional loss adjusting methods.
  • Improve accuracy in damage assessments.
  • Enhance transparency and collaboration with brokers and clients.
One of our key objectives is to reinstate more building repairs, shifting away from cash settlements where appropriate.
The future:
As we prepare for launch, we’ll be sharing more details through our communications calendar and upcoming webinars. The initiative will be featured in future editions of the H-ello Claims newsletter under the Power4 banner. We look forward to working closely with our broker partners and Claims colleagues to ensure a smooth rollout and to deliver on our promise of helping clients navigate life’s uncertainties with confidence.