# ZD Rewards™
URL: https://www.leasesurance.co/zd-rewards
Title: ZD Rewards: Tenant Incentives That Cut Lease Arrears | LeaseSurance
Summary: ZD Rewards is the LeaseSurance incentive layer that rewards tenants for on-time payments and property care, cutting end-of-lease arrears and claim severity.
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Residential · ZD Rewards™

Behavioural Risk Engineering. An incentive layer that rewards good tenant behaviour. End-of-lease arrears drop, and claims drop with them. LeaseSurance funds the rewards, not the landlord.

How It Works

## Smarter Than Pure Insurance {#smarter-than-pure-insurance}

Insurance pays out after a loss. ZD Rewards™ rewards the tenant behaviour that stops the loss happening in the first place.

### On-Time Payments {#on-time-payments}

Tenants who pay on time earn rewards

### Property Care {#property-care}

Well-maintained units earn additional rewards

### Sustainable Premiums {#sustainable-premiums}

Lower claim severity keeps premiums stable

## What Makes ZD Rewards™ Different {#what-makes-zd-rewards-different}

- Behavioural incentive layer unique to LeaseSurance
- Rewards paid on clean accounts, funded by LeaseSurance rather than the landlord
- Reduces end-of-lease arrears measurably
- Better behaviour leads to lower claims, and lower claims keep premiums stable
- No competitor in the South African market offers this layer

### Behavioural Risk Engineering {#behavioural-risk-engineering}

Smarter than pure insurance. Reward the behaviour before it becomes a claim.

The Core Incentive

## Closing the Leverage Gap at Move-Out {#closing-the-leverage-gap}

Landlords lose their strongest leverage the moment a tenant decides to leave. ZD Rewards™ links the bulk of the accumulated rewards to settling the final account, so the tenant has money riding on leaving cleanly.

### How It Works {#how-it-works}

Throughout the tenancy, tenants accumulate rewards for on-time payments and property care. When the lease ends, the bulk of those rewards are linked to settling the final account in full: any outstanding rent, damages or cleaning costs.

That gives the tenant a financial reason to cooperate at move-out instead of walking away from the obligation. It is a carrot where the landlord traditionally had no leverage.

### The Impact {#the-impact}

- Tenants have a financial reason to settle their final account in full
- End-of-lease arrears are reduced measurably, so there are fewer disputes and fewer write-offs
- Claim severity drops because tenants are incentivised to leave the property in good condition
- Lower claims mean sustainable premiums for the portfolio over time
- LeaseSurance funds all rewards. The landlord pays nothing

## Rewards Delivered via Mobile App {#rewards-delivered-via-mobile-app}

Tenants track and redeem their ZD Rewards™ in a dedicated mobile app. The tenant-facing side of the programme runs at [zdrewards.co.za](https://zdrewards.co.za).

- Available on Google Play (Android) and the Apple App Store (iOS)
- Tenants can track their reward balance in real time throughout the tenancy
- Final account settlement and reward redemption are handled directly through the app
- Push notifications remind tenants of reward milestones and upcoming opportunities
- Secure, POPIA (Protection of Personal Information Act)-compliant data handling for all tenant interactions

### Mobile First {#mobile-first}

Google Play & App Store. Track rewards. Settle accounts.

## Longer Stays, Greater Rewards {#longer-stays-greater-rewards}

Tenure pays. The longer a tenant stays in good standing, the higher their reward level grows, and both sides gain from that.

- Reward levels escalate with tenure, so a longer stay reaches a higher tier
- Consistent on-time payment history accelerates reward accumulation
- Property care bonuses are assessed at renewal and contribute to the total reward pool
- For landlords, longer tenancies mean lower vacancy, lower turnover costs, and more predictable income

### Tenure-Based Growth {#tenure-based-growth}

Year 1 → Year 2 → Year 3+ Rewards grow with good behaviour.

## Add an Incentive Layer to Your Portfolio {#add-an-incentive-layer}

Learn how ZD Rewards™ can reduce arrears and improve tenant behaviour across your leases.

[Speak to Us](https://www.leasesurance.co/contact)