Stratum Benefits (Pty) Ltd, an authorised FSP 2111, is underwritten by Constantia Insurance Company Limited, an authorised FSP 31111. Stratum Fuel Rewards is administered by YBH Rewards (Pty) Ltd, Registration Number 2018/579872/07 in association with Shell Downstream South Africa (Pty) Ltd, Registration Number 2007/016255/07. This document is a summary and does not replace any information provided in your policy documentation. In the event of any differences, your policy contract will apply. Terms and conditions apply.