Vehicle insurance cover options:

• Comprehensive: accidental loss or damage to a vehicle, including third party liability. Comprehensive car insurance now comes with a guarantee. Guaranteed value insurance: cover that makes things right if your car is written off or stolen (Ts and Cs apply).
• Limited (fire and theft): accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft; and
• Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle). 

Guaranteed value insurance

Our guaranteed value insurance offering removes any uncertainty around what you can expect as compensation if your car is written off or stolen.

• It removes uncertainty around what to expect as compensation during a total loss
• It eliminates potential conflict and
• It expedites the claims process

Comprehensive vehicle insurance includes the following benefits:

• The option of replacing a vehicle after theft or loss;
• Replacement costs for locks, keys and remote controls;
• Recovery costs for found vehicle following theft or hijacking;
• Emergency accommodation;
• Emergency costs payable to public authorities; and
• Trauma treatment.

Additional cover for comprehensively insured vehicles:

• Comprehensively insured 4x4 vehicles qualify for 4x4 specific cover, at an added monthly premium. Extended benefits include, among others, increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be covered*, vehicle hire automatically included;
• If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, safeguarding after mechanical breakdown and many more;
• You can waive the basic excess on your vehicle; and
• You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle. 

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.