The Fine Print That’s Worth Your Time
Most policyholders understand the big-ticket items in their coverage, but a few smaller details can make a big difference.
Consultant Remuneration — Transparency Matters
Our consultants are full-time employees, paid a salary plus performance-based bonuses for productivity and service quality. This cost is built into your premium; it’s not a separate commission.
South African Law Applies
Your policy is governed exclusively by South African law, and any disputes will be resolved in South African courts.
“Total Loss” — More Than Just a Write-Off
We define a Total Loss as:
A stolen or hijacked vehicle that isn’t recovered.
Damage so severe it’s not economical to repair.
Your payout is based on your chosen Insured Value Type (Retail or Specified Value).
Specific Exclusions to Note
Pre-existing damage – Anything that existed before your policy started isn’t covered.
Grid failure – No cover for losses caused by power cuts, blackouts, or utility shutdowns.Stolen or counterfeit goods – No cover for losses involving illegal or counterfeit property, whether you knew or not.
Keys in unsafe places – Leaving keys in an insecure spot or with someone not responsible for your car can void related claims.
Domestic disputes – Losses from disputes between household members or cohabitants aren’t covered.
Bottom line: Knowing these details means fewer surprises and smarter cover management.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.