Factory-fitted accessories Factory-fitted accessories are those items that are originally fitted by the manufacturer during the production of the vehicle and are included in the manufacturer’s specification. The value of these accessories is included in the retail value supplied by TransUnion, or any similar publication approved by us

Aftermarket accessories Aftermarket accessories are those items not fitted by the manufacturer during the production of the vehicle. These accessories will include:

• optional or additional accessories that you or any previous owners of the vehicle requested the motor dealer to have fitted to the vehicle, before the vehicle was purchased
• an accessory that you or any previous owners of the vehicle bought separately and had fitted after the vehicle was purchased

These accessories increase the value of the vehicle and are not included in the retail value supplied by TransUnion or any similar publication approved by us. If you want them covered, you must insure them separately

Third party Someone other than yourself who is involved in an insured event – for example, an injured pedestrian or the driver of a car that is involved in an accident with you

Total loss Total loss means that your car is not recovered after it is stolen or hijacked, or that your car is so badly damaged that it is unsafe or uneconomical for us to repair (in other words, your motor vehicle is a write-off)

Write-off Your vehicle is so badly damaged that it cannot be repaired economically; or it has been stolen and cannot be recovered

Sum insured The sum insured for your vehicle is either the retail value or an agreed value.

Vehicle – full definition

Your vehicle includes all standard parts and accessories that are originally fitted by the manufacturer during the production of the vehicle and are included in the manufacturer’s specification. It may be any one of the following:

○ a private car, minibus or similar vehicle designed to carry up to 12 people, including the driver

○ a station wagon, motorised caravan, 4×4 vehicle, 4×2 vehicle, or light delivery vehicle, with a gross vehicle mass of no more than 3 500 kg

○ a trailer or caravan which is not motorised, and which is designed or adapted for towing by a vehicle as described above

○ a motorcycle, scooter, quadbike, motorised lawnmower, three-wheeled vehicle, or golf cart.

Use of your vehicle?

COMPREHENSIVE COVER

You are covered for accidental loss or damage to your vehicle from any accidental cause, as well as any resulting liability to third parties.

Example

You are travelling on the highway and smash into the car in front of you. The insurer will pay for the damage to your car, as well as damage to the other car.

Towing your vehicle to a place of safety

Accident

If your vehicle is immobilised and cannot be driven away because of an insured event, the insurer will pay for it to be towed or delivered to a place of safety. We will also pay for any emergency repairs you authorised enabling you to continue your journey, but you must obtain an itemised invoice. This must not exceed the limit stated in the Schedule.

Breakdown

If your vehicle is immobilised because of a mechanical or electrical breakdown, the insurer will pay for it to be towed to a place of safety.

Business travel or commercial travel?

When you use your vehicle for business such as visiting clients without carrying tools, machinery, and stock it qualifies as business use. You are allowed to carry small samples of the stock you trade in such as Tupperware, carpets, or materials. If, however, you use your vehicle to load machinery (such as generators or lawnmowers), tools (such as for plumbing or carpentry etc.) or stock (such as copper pipes, wood, bricks, cement, etc.) for a job or project, then that is commercial travel and not covered under this policy. If your vehicle is available as an employee pool-car and can be used by multiple drivers, it is commercial travel and not covered under this policy.

No carrying of explosives or hazardous goods

You may not, under any circumstances, use your vehicle to carry explosives or hazardous goods, unless it is for your own personal domestic use and you do not need a formal permit – for example, a gas cylinder for your stove or acid for your pool.

Typical examples of explosives and hazardous goods are nitro-glycerine or dynamite; chemicals or compressed gas; gas in liquid form; hazardous waste; and liquid petroleum.

No using your vehicle as a courier or transport contractor

You may not, under any circumstances, use your vehicle as a courier or transport contractor.

No carrying of fare-paying passengers

You are not permitted to use your vehicle as a bus or taxi to carry fare-paying passengers. If you do give other parties a lift regularly, and they pay you, then that payment should be only for the actual expenses incurred; it should not include a profit. In this case, the passengers will not be regarded as fare paying. An example of such an arrangement is vehicle-sharing or car-pooling.

Liability to Third Parties?

A third party is another person whose property is involved in an accident with your vehicle, for example the owner of another vehicle or the owner of property. That person may hold the driver of your vehicle legally liable for the damage caused by your vehicle.

The driver’s legal liability

The insurer will cover any driver’s legal liability towards a third party whilst driving your vehicle, if you are the person who claims under this policy. We will not cover a driver’s legal liability if the driver is insured for third party liability cover with another insurer. However, if the cover with the other insurer is not sufficient to cover the driver’s liability, we will consider the claim for the difference up to the limit under this policy.

Causes of legal liability and how we cover them

In South Africa, death, and bodily injury to persons because of vehicle accidents are covered by the Road Accident Fund Act (RAF). This means that your legal liability cover in and outside South Africa is different as explained below.

Accidents in South Africa

We will cover a driver’s legal liability towards a third party if your vehicle is involved in an accident that causes:

○ Damage to another person’s property.

○ Death or bodily injury to another person, but only if the driver can be held legally liable in terms of the applicable

legislation at the time of the incident.

Accidents outside of South Africa

○ We will cover a driver’s legal liability towards a third party if your vehicle is involved in an accident that causes:

– Damage to another person’s property.

– Death or bodily injury to another person, but only if the driver can be held legally liable in terms of the applicable legislation at the time of the incident.

○ We will cover a driver’s legal liability for a total of 90 days per year while travelling in any of these countries:

Botswana, Lesotho, Malawi, Mozambique, Namibia, eSwatini, Zambia and Zimbabwe. There is no third party liability cover in Angola, Kenya, Tanzania, and Uganda.

○ If it is compulsory to take out third-party liability cover at the border of a country, you must claim under that policy first in the event of a claim. If that policy does not cover your valid claim in full, we will cover the difference up to the limit shown in your policy schedule.

Driving a vehicle that does not belong to you

○ We also provide third party liability cover as described above if an accident happens while you or the regular driver are driving a vehicle that does not belong to you, but only if the following conditions are met:

– You, the regular driver, or the restricted driver (as applicable), are the driver at the time of the accident.

– The vehicle is a passenger vehicle, 4×4 vehicle, 4×2 vehicle, minibus, SUV (sport utility vehicle), light delivery vehicle (LDV) or a motorised caravan with a gross vehicle mass of no more than 3 500kg.

– The vehicle is not leased to you, and you are not in the process of buying the vehicle from a motor dealer.

– The vehicle is not rented.

– The vehicle is not insured elsewhere for third party liability.

○ We only cover third party liability, and not loss or damage to the actual vehicle, or for any property transported by that vehicle.

For example:

You will be covered for your legal liability towards another person if you borrow a friend’s uninsured vehicle, and you are in an accident that causes damage to another vehicle.

When there is no legal liability

Alcohol, drugs, and driver behaviour

There is no legal liability cover while your vehicle is driven or being towed in any of the following instances:

○ The driver is under the influence of alcohol, or the alcohol content in the driver’s body exceeds the legal limit.

○ The driver is under the influence of drugs or medication unless it is prescribed by a doctor and is taken in the correct dosage.

○ The driver refuses to submit to any test to determine the level of alcohol or drugs in their body, such as blood, urine or breathalyser tests.

○ The driver leaves the scene of the accident unreasonably or unlawfully.

○ The driver exposes the vehicle to situations that clearly have a high risk of loss or damage, for example, making a U-turn on a highway or driving at an excessive speed.

Liability relating to death of or bodily injury to people

There is no cover for legal liability relating to death of or bodily injury to any of the following people:

○ You, anyone driving your vehicle, a family member (whether they live with you or not), or any person in your employ.

○ Any person in or on a caravan or trailer while it is being towed by your vehicle.

○ Any person who was outside the cab of your vehicle at the time of the event.

○ Any person travelling in, getting into, or getting out of a caravan or trailer.

Liability relating to loss or damage to property

There is no cover for legal liability relating to loss or damage to the following property:

○ Belonging to you, anyone driving your vehicle, a family member (whether they live with you or not), or any person in your employ.

○ In the care, custody, or control of the driver of your vehicle.

○ Being carried in, or on, a caravan or a trailer that is towed by your vehicle.

Liability relating to towing

There is no cover for liability relating to loss or damage to a caravan, trailer or another vehicle which does not belong to you, while it is being towed by your vehicle.

Breaches of the National Road Traffic Act

There is no cover for legal costs to defend criminal acts or fines relating to breaches of the National Road Traffic Act.

Rejected claims for own damage

There is no cover for a driver’s liability if we reject a claim for loss or damage to your vehicle.

THIRD PARTY, FIRE AND THEFT

You are covered for accidental loss or damage to the insured vehicle caused by fire and theft, as well as any resulting liability to third parties.

Example

If you are travelling on the highway and smash into the car in front of you, the insurer will pay only for damage to the other car; that is because the damage to your vehicle is not caused by fire or theft. However, if your vehicle is stolen from a shopping centre, we will pay for the loss because it is caused by theft.

Towing your vehicle to a place of safety

Fire or theft

If your vehicle is immobilised and cannot be driven or towed away because of fire or attempted theft, we will pay for it to be towed to a place of safety. We will also pay for any emergency repairs you authorised enabling you to continue your journey, but you must obtain a detailed quotation first as well as an itemised invoice. This must not exceed the limit stated in the Schedule.

Breakdown

If your vehicle is immobilised because of a mechanical or electrical breakdown, we will pay for it to be towed to a place of safety.

THIRD PARTY ONLY

You are NOT covered for accidental loss or damage to the insured vehicle. Only the vehicle or property of the third party is covered for the loss or damage caused by the insured vehicle.

Example

If you are travelling on the highway and smash into the car in front of you, we will pay only for damage to the other car. Your own vehicle is never covered, irrespective of any loss or damage it may sustain

Your responsibility?

We could reject your claim

Be aware of the limits of indemnity

If more than one person is entitled to indemnity, any limitation applies to the total amount, and you will be given priority. In other words, you will be paid out first, according to your limit, even if it means that the other person gets less than they are entitled to. This does not apply to vehicles that are financed through a bank or authorised credit provider. The bank or authorised credit provider will be paid first.

Check your security

Immobiliser

If an immobiliser is a requirement you must be able to prove to us in the event of a claim that an approved immobilising device required by us:

○ was already installed at the time of the event and was activated and working.

Tracking device

If a tracking device is a requirement and/or the sum insured of your vehicle is more than a certain (will differ with each insurer), you must be able to prove to us in the event of a claim that the tracking device required by us:

○ was already installed at the time of the incident, and was activated and working

○ is an early-warning system type and not of dormant nature.

You must also be able to show us that you immediately reported any theft or hijacking to the tracking company, and that your contract was active and paid up.

Dormant versus early-warning tracking devices

A dormant tracking device is not activated until you ask the tracking company to activate it.

An early-warning tracking device, on the other hand, activates itself (for example, by sensing the motion of the

vehicle) and can automatically alert the tracking company.

We require you to have an early-warning tracking device installed.

Drivers must be licenced

Any driver of your vehicle must comply with the terms and conditions of this policy and must have a valid driver’s licence.

○ If your vehicle is used in South Africa, the driver must be in possession of a valid South African driver’s licence, or a valid driver’s licence that complies with South African legislation.

○ A person with a valid learner’s licence must be accompanied by a person with a valid driver’s licence.

○ A valid driver’s licence is a licence that has not been cancelled, suspended, or endorsed.

○ An international driver’s licence or permit must be converted to a South African licence within five years of the driver becoming a permanent resident, otherwise the licence is invalid, and the driver will be considered unlicensed.

○ The code on the driver’s licence must allow the driver to drive your vehicle, or to tow the size of load that your vehicle is used for.

○ If your vehicle is used in another country covered under this policy, the driver must have a valid driver’s licence as required by the country in which your vehicle is used.

Notify us of certain traffic offences

You must notify us if you have been charged or convicted of reckless or negligent driving. This also applies to any person who may have been driving your vehicle at the time with your permission.