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Under this section you may claim for any accident damage to the vehicle, or if it is stolen. You may also claim for the damage you caused to other partiesand their property.
The use of the car:
The type of use that you chose is stated on the schedule.
What you pay when you claim – the excess(es)
Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.
We will compensate you for:
The car
The car is comprehensively insured. We will compensate you if it is damaged of stolen.
The most we will pay for the car is its value stated on the schedule. If the car was stolen, we do not have to compensate you for four weeks from the time you tell us about it. If the car is financed, we must first pay the finance company. If parts for the car are not available, and it delays the repairs, we will not compensate you for the inconvenience or money you lose or for any liability you may incur because of the delay.
Towing and storage
The reasonable cost to store or to tow the car to the closest repairer. You will be personally responsible for the cost of the towing and storage of your car if you do not call the Dial Direct Towline and use the approved towing operator we appoint.
Sound system
The car’s sound system, but only if the schedule states that you are paying for cover.
Hail damage
Hail damage, but only if the schedule states that you are paying for cover.
Canopy
The canopy of the pick-up, but only if the schedule states that you are paying for cover.
Car hire
While the car is being repaired:
A hire car through our preferred supplier, up to the maximum stated on the schedule.
If the car is stolen:
A hired car though our preferred supplier, up to the maximum stated on the schedule.
Car hire, as long as your claim is valid.
Medical costs
If the car is in an accident and any person in it Is injured, we will pay up to R500 towards the medical costs of each injured person.
Other parties
1. We will compensate the other party on your behalf for damages, costs and expenses if the regular driver is legally responsible for an accident which caused damage to another party’s property, or if a person died or was injured because of the accident. The accident must have been caused by or in connection with:
- the car on the policy, of
- a car, motorcycle, trailer or a caravan which was towed by the car on the policy, or
- a car which is not on the policy, but which the regular driver personally drove, as long as he/she does not own it or have it under a hire or credit agreement. We are not responsible for the car he/she drove.
2. We will also compensate the other party for damages, costs and expenses caused by any person ( excluding passengers) who drove or used the car on the poicy with the regular driver’s permission, provided that the person will be subject to the terms and conditions of the policy. That person may also not have a claim against another policy.
The maximum we will pay under this section is R300 000 for fire and explosion and R1 000 000 for other damage. The amount stated on the schedule is the maximum for death and injury. These limits are per accident.
We do not compensate you for:
No licence, under the influence or endorsed licence
If this car or any other car is being driven by the regular driver, or in the case of this car, by any person who has the general consent fo the regular driver to drive this car, and if the driver:
- is not licensed to drive or drives while under the influence of alcohol of drugs, or while the percentage of alcohol in the driver’s blood exceeds the legal limit or when the driver fails a breathalyser test, or
- has an endorsed licence, whether the endorsement is displayed on the licence or is on record with the authorities, for negligent, reckless or drunken driving, or for driving while the percentage of alcohol in that person’s blood exceeds the legal limit.
Car not roadworthy
When the car or the caravan or trailer that it tows is involved in an accident, and it is not in a roadworthy condition as is defined in the legislation relating to roadworthiness, or when the law or traffic regulations do not allow towing.
Unauthorised use of car
If someone uses the car without your knowledge and consent and you have not laid a criminal charge against them with the police, within 48 hours. You may also not withdraw the charge.
Car used to earn an income or for racing
If the car is used to carry fare-paying passengers, or for hiring, driving instructions, racing or competition.
Car used in the motor trade
When the car is used in connection with the motor trade, unless it is in for service or repairs.
Car used in certain countries outside South Africa
When the car is used outside South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other parties on your behalf when the car is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person who works for your dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property that you and your household members have with them at the time of the accident.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor car insurance legislation.
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