Frequently Asked Questions

What is an excess?
An excess is the first amount payable by you in the event of a loss, and is the uninsured portion of your loss, so when you submit a claim you’ll have to pay an excess.
When you have to pay an excess for damages arising from an accident, it is irrelevant who was to blame for the accident, this serves to deter customers from submitting minor claims and/or fraudulent claims, and keeping premiums down.

It is important to read your policy documentation regarding excesses as sometimes there may be additional excesses depending on the facts of your claim. In most cases we offer a flat excess and we will try to recover your excess from the guilty third party even though there is no legal obligation to do so.

Can I reduce my excess?
You can reduce your excess by paying a higher premium

What happens to my Cash Back Plus if I claim?
If you submit a claim, your optional Cash Back Plus Bonus will be forfeited and reset to accumulate over the next four consecutive years.

Can I take a loan against my Cash Back Plus?
Unfortunately as the Cash Back Plus is an optional product, and because submission of a claim is unpredictable, the Cash Back Plus Bonus has no loan value.

How do I submit a claim?
By phoning our Claims Department - You can phone our claims department and they will assist you with your claim. There is no paper-work so you won’t have any forms to fill in.

How would installing a tracking device help me?
Installing a tracking device in your vehicle can greatly reduce the chances of it being stolen, and assists in the recovery of your vehicle if it is stolen. As the risk is reduced, in the event that you claim for a stolen vehicle, you will enjoy a reduced theft excess.

Why is a vehicle inspection necessary?
We inspect most cars before providing insurance cover to make sure that the car exists and to record all current damage. If the vehicle has any accessories fitted, these will be noted on the inspection certificate, which in turn speeds up the claim finalisation process. This inspection is conducted free of charge to you.
We do not inspect cars which are insured for Third Party only, except when a vehicle is insured for third party only and the client has elected sound equipment cover to the value of R5 000 or more.

When my vehicle is damaged in an accident, do I choose a panel beater?
Our repairers guarantee their workmanship and will issue a lifetime guarantee on the repairs, once the vehicle has been repaired. With this in mind our policy is that we repair your vehicle using a supplier on our panel. This also allows us to constantly monitor the quality of the repairs carried out.

However, should you insist that you want your vehicle repaired by a panel beater of your choice, we will give you a cash settlement in lieu of the amount it would have cost us to repair your vehicle. In such an event we can obviously not guarantee the repairs of the vehicle.

Why is an additional excess payable if someone else drives my vehicle?
The premium is based on the details of the most regular driver only. We provide cover for someone else to drive the vehicle occasionally without increasing the premium, but with an additional excess payable in case of a claim.

How do I cancel my policy?
We allow you to cancel without any notice period, but you can give notice to cancel the policy on a future date. Cancellations can be done over the telephone. If you cancel during a month, we are not obliged to refund any premium but we will confirm the cancellation in writing.