Vehicle Insurance policy

In the event of an accident occurring whereby it is deemed to be the fault of the driver behind the wheel at the time of an accident, Comprehensive Insurance Cover is extended to include third party damages as well as damages arising from other insured events.

Other extensions of cover that can be included are as follows: –

• loss of keys – provides cover to assist in the cost of replacing or recoding the keys and/or locking mechanisms of your Motor vehicle up to the value stipulated in the insurance schedule.
• Windscreen – provides cover to assist in the cost of replacing or repairing your vehicles windscreen following a stone chip or the windscreen being cracked. Such cover can also extend to include other glass on the vehicle.
• Car hire – following a valid motor claim you will be provided with a loan vehicle to use for a set period time while your vehicle is being repaired or whilst insurers are processing and settling a stolen vehicle claim.
• Roadside assistance provides professional assistance when your vehicle has broken down on the side of the road or has a flat tyre or battery.
• Credit shortfall – also known as top up insurance – this provides cover for the shortfall between a motor vehicle pay-out following a total loss out and the amount which is owed to the bank at the time of the loss.

Vehicle Insurance policy

It’s always advisable to read through the terms and conditions of your motor policy so that you are familiar with the cover that is in place.

Below are a list of things that one needs to be aware of when it comes to your motor insurance policy: 

• What is the excess payable following an accident? 
• What is the excess payable following theft and / or hijack?
• What is the age excess applicable following an accident, theft and or hijack, if such vehicle is in the control and custody of someone under the age of 26 or who has been licensed for less than two years?
• Usage of the vehicle. Make sure the vehicle usage noted on the policy coincides for the actual usage that the vehicle is being used for.
• Car hire is not automatically included, this cover has to be requested. If you are someone that is reliant on your motor vehicle and cannot be without a vehicle for whatever reason, make sure your policy includes the car hire extension which will provide you with a loan vehicle following a valid accident, theft and / or Hijacking claim
• Disclosure of material facts. Make sure all material facts such as previous claims, regardless whether they were covered or not, are disclosed to the insurance company. Failure to do so could result in any future claims being repudiated.

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