Motor Insurance

• The retail value of the vehicle should be the sum insured.
• The vehicle sum insured should include all extras.
• The condition of the vehicle and the distance traveled will influence the value of the vehicle.
• A voluntary excess will reduce your monthly premium.
• Windscreen claims will not affect your No-Claim bonus.
• No-Claim Bonus is a reward to those policyholders who do not have any claims.
• The vehicle can be insured comprehensively, Third Party, Fire & Theft or Third Party only.
• None standard sound equipment must be specified.
• Vehicles older than 15 years can only be insured for Third Party or Third Party, Fire & Theft.
• Credit Shortfall is the difference between the Market value and the Hire Purchase Balance.
• We will pay you for lost or damaged keys, locks and remotes of the vehicle.
• You can extend your cover at an additional premium to include, credit shortfall, deposit protector and car hire.
• You can insure you sedan, bakkie, 4x4, kombi, motorcycle, caravan and trailer.
• You can insure the vehicle for personal use or business use.
• Personal use means; use by or for social, domestic, pleasure and travel to and from your residence and your regular place of work.
• “Excess” means the first amount You must pay before our liability begins. The excess is payable by the insured in each and every claim entertained by the insurer.
• If you have an accident in these countries: Namibia, South Africa, Malawi, Mozambique, Lesotho, Swaziland, Botswana and Zimbabwe, you are covered.
• You must maintain the vehicle in an efficient and roadworthy condition.
• We compensate you for the cost to store and tow the vehicle to the closest repairer.
• That you have medical cover of N$1000.00 in case of an accident.
• That we will pay for reasonable accommodation in case of an accident.
• Injuries sustained in an accident should be reported to Motor Vehicle Accident Fund.