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Motor vehicles - what's covered

Choose an insurance plan to provide you with a suitable scope of cover for you and your motor vehicle:

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1. THIRD PARTY

  • Damage caused by your car to another person's vehicle or property

  • Damage caused by authorised persons driving your car

  • Damage caused by a car driven but not owned by you 

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2. THIRD PARTY, FIRE & THEFT

  • Everything covered by THIRD PARTY

  • Theft and hijacking, or attempt thereat

  • Fire-related damage

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3. COMPREHENSIVE

  • Everything covered by THIRD PARTY, FIRE & THEFT

  • Total vehicle loss at retail value

  • Damage to your vehicle caused by accident

  • Damage caused by storm, wind, snow, rain, hail and flood

  • Damage caused by animals other than your own

  • Damage to windscreen, glass and mirrors

  • 24/7 Roadside assistance

  • Optional cover (must be specified)

    • market, trade, or agreed value (instead of retail value)

    • Caravan and trailer

    • Motorcycle

    • Scratch and dent

    • Lost keys, fobs and remote controls

    • Transit cover

    • Emergency repairs after an accident

    • Emergency accommodation

    • Transport, towing and storage

    • Car hire

    • Credit shortfall

    • Terrorism and riots (SASRIA)

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4. STATIONARY

Pause your COMPREHENSIVE cover when your car is parked in a locked garage or secured parking area for a full calendar day or longer, but keep it protected against loss or damage caused by -

  • Theft and hijacking, or attempt thereat

  • Accident​

  • Fire, lightning and explosion

  • Earth movement

  • Malicious act

  • Optional cover (must be specified)

    • Lost keys, fobs and remote controls

    • Credit shortfall

    • Terrorism and riots (SASRIA)

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What's NOT covered

​What's not covered depends on the plan you've selected and the options you haven't chosen, but general exclusions for car insurance are -    

  • Gradual deterioration of the vehicle through wear and tear and exposure to the elements

  • Commercial use

  • Illegal use

  • Service and maintenance

  • Loss or damage due to wear and tear 

  • Prior damage

  • Events caused by lack of proper maintenance

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What is my vehicle's insurance value?

​There are various bases on which to insure your motor vehicle -

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  • Retail value: the recommended insured value - the current selling price on the dealer’s floor as per the TransUnion Dealers' Guide

  • Market value: the average between the vehicle's retail and trade values

  • Trade value: the average price that a motor dealer will pay you for the vehicle as per the TransUnion Dealers' Guide

  • Special agreed value: this typically applies to unlisted, vintage and collectors' vehicles, caravans and trailers where a valuation is given by an appropriate approved source

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