SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD THAT HAS PASSED THE END DATE: 

Apply knowledge of personal liability insurance 
SAQA US ID UNIT STANDARD TITLE
120132  Apply knowledge of personal liability insurance 
ORIGINATOR
SGB Insurance and Investment 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04  3 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Reregistered" 		 2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2026-06-30   2029-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This Unit Standard is intended for intermediaries, underwriters, reinsurers, claims assessors and claims negotiators. It will be useful for learners in short term insurance who deal with personal liability.

The qualifying learner is capable of:
  • Explaining liability as a personal responsibility.
  • Explaining why people need personal liability insurance.
  • Investigating the personal liability cover in different policies.
  • Analysing the cover in a personal liability policy. 
    		•

    LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in Communication and Mathematical Literacy at Level 3. 

    UNIT STANDARD RANGE 
    The typical scope of this Unit Standard is personal liability attached to an individual against something s/he can be held legally liable for such as negligence. 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Explain liability as a personal responsibility. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    The individual's duty of care to fellow human beings is discussed with reference to common law, the South African Constitution and other legislation. 

    ASSESSMENT CRITERION 2 
    Instances where a person may be held legally liable are identified for different scenarios. 

    SPECIFIC OUTCOME 2 
    Explain why people need personal liability insurance. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    Different scenarios are analysed to determine contractual or delictual liability. 

    ASSESSMENT CRITERION 2 
    The parties liable under delictual responsibility are explained with examples. 

    ASSESSMENT CRITERION 3 
    The parties liable under contractual responsibility are explained with examples. 

    ASSESSMENT CRITERION 4 
    Ways in which an individual can manage personal liability risks are explained with examples. 

    SPECIFIC OUTCOME 3 
    Investigate the personal liability cover in different policies. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    Liability covered under the different classes of personal insurance is analysed with reference to extent of cover for each class and any relevant legislation. 

    ASSESSMENT CRITERION 2 
    Events not covered as part of other insurance cover or legislation are identified with examples. 

    SPECIFIC OUTCOME 4 
    Analyse the cover in a personal liability policy. 

    ASSESSMENT CRITERIA     

    ASSESSMENT CRITERION 1 
    A personal liability policy document and schedule are analysed to determine the cover. 

    ASSESSMENT CRITERION 2 
    Exclusions in the policy are analysed and an indication is given of why an insurer expressly excludes some perils or events. 

    ASSESSMENT CRITERION 3 
    Possible extensions to a personal liability policy are explained and an indication is given of when it is advisable to extend cover. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
  • Anyone assessing a candidate against this Unit Standard must be registered as an assessor with the relevant ETQA or ETQA where a Memorandum of Understanding (MOU) exists with the relevant ETQA.
  • Any institution offering learning that will enable achievement of this Unit Standard must be accredited as a provider through the relevant ETQA or ETQA where a Memorandum of Understanding (MOU) exists with the relevant ETQA.
  • Moderation of assessment will be overseen by the relevant ETQA according to the moderation guidelines and the agreed ETQA procedures. 
    		•

    UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    N/A 

    UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    Learners are capable of identifying and solving problems in which responses show that responsible decisions using critical thinking have been made in explaining when extensions to a personal liability policy are advisable and substantiating this advice. 

    UNIT STANDARD CCFO COLLECTING 
    Learners are capable of collecting, organising and critically evaluating information in analysing different policy wordings to determine personal liability cover. 

    UNIT STANDARD CCFO DEMONSTRATING 
    Learners are capable of seeing the world as a set of related systems in explaining the personal liability cover in different types of policy. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  66610   Further Education and Training Certificate: Short Term Insurance  Level 4  NQF Level 04  Passed the End Date -
    Status was "Reregistered"     		 2023-07-30  As per Learning Programmes recorded against this Qual 
    Elective  66613   Further Education and Training Certificate: Wealth Management  Level 4  NQF Level 04  Passed the End Date -
    Status was "Reregistered"     		 2023-06-30  As per Learning Programmes recorded against this Qual 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    NONE 


    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.