| Cars · Cars (Car hire) 1. Introduction 25 2. Car hire 25 Cars (Off-road and Classic car bundles)...

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| Cars easy

Transcript of | Cars · Cars (Car hire) 1. Introduction 25 2. Car hire 25 Cars (Off-road and Classic car bundles)...

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Cover section: Cars

Hollard – Easy – Car cover section (Car hire) – 20160811

Index

Cars (Comprehensive cover)

1. Introduction 3

2. DefinitionsthatapplytoyourCarssection 3

3. Conditionsforcover 3

4. Youmusttelluswhatyouuseyourcarfor 4

5. Youmusttellushowtocalculatethevalueofyourcar 4

6. Maincover 5

7. Additionalbenefits 6

8. Optionalbenefits 7

9. Specificexclusions 8

10. Yourspecificresponsibilities 9

11. Specificconditionswhenyouclaim 9

Cars (Limited cover)

1. Introduction 11

2. DefinitionsthatapplytoyourCarssection 11

3. Conditionsforcover 11

4. Youmusttelluswhatyouuseyourcarfor 11

5. Youmusttellushowtocalculatethevalueofyourcar 12

6. Maincover 12

7. Additionalbenefit 13

8. Optionalbenefits 14

9. Specificexclusions 14

10. Yourspecificresponsibilities 15

11. Specificconditionswhenyouclaim 16

Cars (Third party cover)

1. Introduction 17

2. DefinitionsthatapplytoyourCarssection 17

3. Conditionsforcover 17

4. Youmusttelluswhatyouuseyourcarfor 17

5. Thirdpartyliability 18

6. Specificexclusions 19

7. Yourspecificresponsibilities 19

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Cover section: Cars

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Cars (Long-term storage)

1. Introduction 21

2. DefinitionsthatapplytoyourCarssection 21

3. Conditionsforcover 21

4. Youmusttellushowtocalculatethevalueofyourcar 21

5. Maincover(Insuredevents) 22

6. Optionalbenefits 22

7. Specificexclusions 23

8. Yourspecificresponsibilities 23

9. Specificconditionswhenyouclaim 23

Cars (Car hire)

1. Introduction 25

2. Carhire 25

Cars (Off-road and Classic car bundles)

1. Introduction 26

2. Off-roadbundle 26

3. Classiccarbundle 28

Cars (Tyre cover)

1. Introduction 30

2. Tyrecover 30

Cars (Scratch and dent cover)

1. Introduction 33

2. Scratchanddentcover 33

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Cover section: Cars (Comprehensive cover)

Hollard – Easy – Car cover section (Comprehensive cover) – 20160811

Comprehensive cover

1. Introduction

Your Cars (Comprehensive cover) sectionexplainsthetypesofbenefitsthatareavailabletoyou.Youmustreadthissectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

2. Definitions that apply to your Cars (Comprehensive cover) section

Wherewereferto“you”intheCars (Comprehensive cover) section, italsomeansanyonewhodrivesthecar withyourpermission.ThefollowingdefinitionsareusedintheCars (Comprehensive cover) sectionofthispolicy.

Car A passenger car, 4x4, SUV (sports utility vehicle), bakkie,mini-bus, light deliveryvehicle,panelvanandmotorisedcaravanwithagrossvehiclemassnotexceeding3500kg.Thespecificcarthatwecoverissetoutinthepolicyschedule.

Total loss Total lossmeanseitherofthefollowing:

− yourcarwasstolenorhijackedandnotfound;or

− yourcarwassobadlydamagedthatthecarisunsafeoruneconomicalforustorepair(write-off).Thismeansthatthecostofrepairs,plusthecostofanypartsonthecarthatcanbesavedandre-used(salvage),ismorethanthesum insured.

Regular driver Thepersonwhodrives,orisincontrolorpossessionofthecarmostofthetime.Thenameoftheregulardriverissetoutonthepolicyschedule.

Off-road Off-road means that you use your car or motorbike for four wheel driving, traildriving, sand dune driving or any other driving away from a public, prepared orgradedprivateroad.

Credit agreement An enforceable credit agreement in terms of the National Credit Act 34 of 2005enteredintobetweenyouandthecredit provider.

Credit provider Aregisteredfinancial institutionwhose interest in the insured property forms thesubjectofthecredit agreement.

Outstanding loan amount

Theoutstandingloanamountistheamountyouowetoacredit providerintermsofa credit agreement.Thisamountexcludes:

− arrearinstalments;

− interestandfinancechargesonarrearinstalments;and

− anyearlysettlementpenalties.

3. Conditions for cover

a Your carmustberegisteredintermsofcurrentSouthAfricanlegislation.

b. You,oranyotherpersondrivingthecarmustbeinpossessionofavalidSouthAfricandriver’s licence,oravaliddriver’slicencethatcomplieswithSouthAfricanlegislation.Thisincludesapersonwithavalidlearner'slicence,butonlywhileaccompaniedbyapersonwithavaliddriver’slicence.

c. Wewillonlycoveryour carwithinthebordersofSouthAfrica,unlessyouaretravellingassetoutbelow.

d. Wewillcoveryourcarforatotalof90daysperyearwhileyouaretravellinginthefollowingcountries:Angola,Botswana,Kenya,Lesotho,Malawi,Mozambique,Namibia,Swaziland,Tanzania,Uganda,ZambiaandZimbabwe.

e. IfyourcarisdamagedoutsidethebordersofSouthAfrica,youmustbringthecarbacktoSouthAfricaatyourowncostbeforewewillconsidertheclaim.ThisconditiondoesnotapplyifyouarecoveredundertheOff-road bundlebenefit.

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Cover section: Cars (Comprehensive cover)

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4. You must tell us what you use your car for

Youmusttelluswhatyoumainlyuseyourcarfor,assetoutbelow.Wewillsetthisoutonthepolicyschedule.

a. Private use:Youuseyourcarforprivate,domesticandpleasurepurposes.Thisincludestravellingtoandfromyourplaceofwork,butexcludesbusinessuseasexplainedbelow.

b. Business use:Youuseyourcarforprivateuseasexplainedabove,andonaregularbasisforprofessionalorbusinesstravelling.

c. Commercial use is not covered: Youmaynotuseyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

5. You must tell us how to calculate the value of your car

Youmusttellushowtocalculatethevaluethatyouwanttoinsureyourcarfor.Thesum insuredbasedonthemethodofcalculationisthemaximumamountwewillpayifyourcarisatotal loss.

5.1 The basis of calculation

Youcouldchoosefromanyofthefollowingthreecalculationmethodsassetoutonyourpolicyschedule:

a. Retail value: ThisisthevaluefromtheAutoDealer’sGuidepublishedbyTransUnionAutoInformationSolutions(Pty)Limited,oranysimilarpublicationapprovedbyus.Itisthepricemostdealerswouldbepreparedtosellyourcarfor,asestimatedbythispublication.Wemayadjustthevaluedependingonthemileageandconditionofthecar.

− Youmayincreaseordecreasetheretailvalueofyourcarbyapercentage.Theretailvalueadjustmentpercentagethatyouchoseissetoutinthepolicyschedule.

b. Financed value:Ifyourcarisfinancedintermsofacredit agreementwithacredit provider,youcanchoosetoinsureyour carforfinancedvalue.Thisisthegreateroftheoutstanding loan amount and theretailvalue.Youmustgiveusallinformationweaskforaboutyourfinancetermsandrelevantamounts.

− Youmayincreaseordecreasetheretailvalueofyourcarbyapercentage.Theretailvalueadjustmentpercentagethatyouchoseissetoutinthepolicyschedule.

c. Specified value:Ifnoretailvaluecanbedetermined,youmayinsureyourcarforaspecifiedvalue.Ifweagreed,thespecifiedvalueandanyotherinformationandproofwemayneed,aresetoutinthepolicyschedule.

5.2 When we treat your car as new

a. Ifyourcarisatotal loss,and:

− youarethefirstregisteredownerofthecar;

− thecarislessthan12monthsoldfromthefirstregistrationdate;

− thecarhaslessthan30000kilometresontheodometer;and

− youinsuredyourcarforretailvalueandyoudidnotincreaseordecreasetheretailvaluebytheadjustmentpercentage.

b. Thenwewillchooseanyofthefollowingmethodstopayyourclaim:

− replaceyourcarwithasimilarnewcar;

− paythelistpriceofacarthatisthesamemodel;or

− paythelistpriceofacarthatisasimilarmodel(ifthesamemodelisnotavailable).

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Cover section: Cars (Comprehensive cover)

Hollard – Easy – Car cover section (Comprehensive cover) – 20160811

6. Main cover

6.1 Insured events

Wewillcoveryourcarforlossordamagecauseddirectlybytheinsured eventslistedbelow.

a. Accidentdamage.Damagewhenyourcarisinvolvedinacollisionoranyotheraccidentaldamage.

b. Weather,includingstorm,wind,snow,hail,rain,orflood.

c. Hijacking,theftorattemptedtheft.

d. Fire,lightningandexplosion.

e. Earthquake.

f. Maliciousdamage.

6.2. Third party liability

Athirdpartyisanotherpersonwhosepropertyisdamagedbecauseofanaccidentthatinvolvedyourcar,forexampletheownerofanothercarortheownerofproperty.

Youcanbeheldlegallyresponsibleifthisotherperson’spropertyisdamaged.Thisiscalledlegalliability.Wewillcoverthefollowingtypesofliability,includingreasonablelegalcostsandexpensesthatweagreedtoinwriting,uptothelimitsetoutinthepolicyschedule.

a. Legal liability for damage

Wewillcoveryouforyourlegalliabilitytothirdpartiesifyourcarisinvolvedinaninsured eventthatcausesdamagetothepropertyofanyperson.

Wewillalsocoveryourlegalliabilitytolocalauthoritiesfordamagebecauseofanaccident.

b. Other people driving your car

Ifsomeoneelsedrivesyourcar,thatpersonwillalsobecoveredforlegalliabilityasdescribedabove.Youmusthavegiventhepersonpermissiontodriveyourcar.

c. Driving a car that does not belong to you

Ifyoudriveacarthatdoesnotbelongtoyou,youarealsocoveredforliabilityasdescribedabove,provided:

− youarethedriveratthetimeoftheincident;

− thecarisaprivatecarorlightdeliveryvehicle;

− itisnotleasedtoyouandyouarenotintheprocessofbuyingthecarfromamotordealer;

− thecarisnotrented;

− theinsured eventhappenedinthebordersofSouthAfrica;and

− thecarisnotelsewhereinsuredforthirdpartyliability.

Youarenotcoveredforthelossofordamagetothecaritself,orforanypropertycarriedbythecar.

d. When there is no legal liability

Thereisnolegalliabilitycoverinthefollowinginstances:

− Accidentaldeathoforbodilyinjurytoanyotherperson.InSouthAfrica,thisiscoveredbytheRoadAccidentFundAct(RAF)andbylawyoucanonlyclaimfromtheRAF.

− Damagetoproperty:

• belongingtoyou,oramemberofyourhouseholdoranypersoninyouremploy;

• inthecare,custodyorcontrolofyouoranyotherpersoncoveredbythispolicy;

• beingcarriedinoronacaravanoratrailertowedbyyourcar.

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Cover section: Cars (Comprehensive cover)

Hollard – Easy – Car cover section (Comprehensive cover) – 20160811

− Lossordamagetoacaravan,traileroranothervehiclethatdoesnotbelongtoyouwhileitistowedbyyourcar.

− Legal coststodefendcriminalactsorfinesforbreachesoftheNationalRoadTrafficAct.

− WhenyoutraveloutsideSouthAfrica.

7. Additional benefits

We will automatically cover you for the following additional benefits. The following conditions apply to alladditionalbenefits:

− Alladditionalbenefitsaresubjecttoamaximumofthelimitssetoutinthepolicyschedule.

− Anylossordamagemustbecauseddirectlybyaninsured eventlistedintheCars (Comprehensive cover) sectionofthispolicy,unlesswesaydifferently.

− Ifabenefitisnotpartoftheplanyouchosewhenyoutookoutthispolicy,thepolicyschedulewillshow“Nocover”.

7.1 Keys and remote control units

Thecostsreasonablyandnecessarilyincurredtoreplaceorrepairkeysandremotecontrolunitsthatarelost,stolenordamaged.Thisbenefitwillalsoapplyifyoususpectthatanunauthorisedpersonhasaccesstoduplicates.

7.2 Transit cover

Whileyourcaristransportedbysea,road,railwayorair,wewillcoveryourcarforlossordamagebecauseof an insured event.Thiscoverincludesloadingandunloadingofthecar.Anyvehicleusedtotransportortowyourcarbyroadmustbedesignedforthetowingandtransportingofothervehicles.

7.3 Emergency services, clean-up and removal of wreckage

Thecoststoremovethewreckageofyourcarandtocleanthesceneoftheaccident.ThisbenefitisonlyavailablewithinthebordersofSouthAfrica.

7.4 Emergency repair after an accident

Ifyourcarneedsemergencyrepairtogetyourcarsafelybackontheroad,youmayarrangetherepair.Thefollowingconditionsapply:

− Thereasonfortherepairmustbebecauseofaninsured eventunderthispolicy.

− Ifthecostfortheemergencyrepairsismorethanthelimit,youmustfirstaskourpermissionbeforetherepairsaredone.

− Youmustgiveusadetailedinvoiceaspartofyourclaim.

− ThisbenefitisonlyavailablewithinthebordersofSouthAfrica.

7.5 Transport, towing and storage

Ifyourcarneedstobetowedaway,wewillpaythecostofthetowingandstorage.Thefollowingconditionsapplytothisbenefit:

− Thereasonforthetowingmustbebecauseofaninsured eventunderthispolicy,andtheclaimmustbevalid.

− TheplacethatyourcaristowedtoandstoredatmustbewithinthebordersofSouthAfrica.

− Wewillnotlimittheamountwewillpayifyouaskourpermissionbeforeyourcaristowed.

− Ifyoudonotaskourpermissionbeforeyourcaristowed,wewillonlypayuptoamaximumofthelimit.

− Ifwepaidforthecostoftowingandstorageandtheclaimfortheinsured eventisnotvalid,youmustpaybacktheamountthatwehavepaid.

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Cover section: Cars (Comprehensive cover)

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7.6 Windscreen and glass

Wewillreplaceorrepairaccidentallydamagedglass inanyfittedwindowsofyourcar.Fittedwindowsincludethewindscreen,rearwindowandsidewindows.Thefollowingconditionsapplytothisbenefit:

− Wewillnotlimittheamountwewillpayifyouaskourpermissionbeforereplacingfittedwindows.

− Ifyourepairfittedwindows,oryoudonotaskourpermissionbeforereplacingfittedwindows,wewillonlypayuptoamaximumofthelimit.

7.7 Transfer cover when buying a new car

Ifyousellthecarthatisinsuredunderthispolicyandreplaceitwithanothercar,wewilltransferthecovertoyourreplacementcaronthesametermsfor72hours.

Duringthefirst72hoursafteryoutookphysicalpossessionofthereplacementcar,wewillcoveryouforthevalueofthereplacementcaruptoamaximumofthesum insured ofthecarthatyousold.

Ifyouwantcoverforthereplacementcarafterthe72hourperiod,youmustaskustoaddthecartoyourpolicyandagreetoanytermsandconditionsthatwemayenforce.

7.8 Car modifications for disability

Thisbenefitappliesiftheregular driverofthecar ispermanentlyandphysicallydisabled, becauseofasuddenandunforeseenaccidentthathappenedduringtheperiod of insurance.

Ifthepermanentdisabilityrequiresawheelchairforfreedomofmovement,wewillpaythecostofthefollowingalterationstoyourcar:

− thefittingofwheelchairloadingequipment;and

− themodificationofthecontrolsofthecar.

8. Optional benefits

Thesearenotautomaticbenefits.Youmustchoosetobecoveredforthesebenefitsandpaytheextrapremium. Thefollowingconditionsapplytoalloptionalbenefits:

− Alloptionalbenefitsaresubjecttoamaximumofthelimitssetoutinthepolicyschedule.

− Any loss, damage or legal liability must be caused directly by an insured event listed in the Cars (Comprehensive cover) sectionofthispolicy,unlesswesaydifferently.

− ThefollowingoptionalbenefitsthatyoucanchoosefromareshownonseparatepagestowardstheendoftheCarssectionofthispolicy.

• Car hire

• Scratch and dent cover

• Tyre cover

• Off-road and Classic car bundles

8.1 Factory-fitted accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverfactory-fittedaccessoriesforlossordamage.

− Factory-fittedaccessoriesarethoseitemsthatareoriginallyfittedbythemanufacturerduringtheproductionofthecar,andareincludedinthemanufacturer’sspecification.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

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Cover section: Cars (Comprehensive cover)

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8.2 Aftermarket accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverthefollowingaftermarketaccessoriesforlossordamage:

− Accessoriesthatarenotoriginallyfittedbythemanufacturerduringtheproductionofthecar,andyouaskedthedealertofitthemforyouwhenyouboughtthecar.

− Accessoriesthatyouboughtseparatelyafteryouboughtthecar.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

9. Specific exclusions

SpecificexclusionsareinadditiontotheexclusionssetoutintheGeneral exclusions section.Certainexclusionsmaybecancelledifyouchoseabenefitthatgivesyoucoverforsomethingthatwouldnormallybeexcluded.

WewillnotpayaclaimforanyofthebenefitssetoutintheCars (Comprehensive cover) sectionofthispolicythatwascausedby,orrelatedtoanyofthefollowingspecificexclusions.

a. Whileyourcarisinthecustodyandcontrolofthemotortradeforanypurposeotherthantheoverhaul,upkeeporrepairofthecar.ThisexclusiondoesnotapplyifyouarecoveredundertheClassic car bundle benefit.

b. Usingyourcar for off-roaddrivingor4x4trackdriving.ThisexclusiondoesnotapplyifyouarecoveredundertheOff-road bundlebenefit.

c. Exposing yourcar to situations that clearlyhaveahigh riskof lossordamage, for example crossing afloodedroad,ormakingaU-turnonahighway.

d. Usingyourcartogivedrivinglessonsforwhichyouorthedriverofthecarreceivepayment.

e. Usingyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

f. Usingyourcartocarrydangerous,hazardous,flammablegoodsorsubstancesthatpolluteorcontaminate,in quantities greater than that used for domestic purposes. Examples are nitro glycerine or dynamite,chemicalsorcompressedgas,gasinliquidform,hazardouswasteorliquidpetroleum.

g. Duringanymotorsport,racing,rally,timetrialorwhilebeingtestedinpreparationforanymotorsportingactivity,orwhilebeingdrivenonamotorsportingcircuitortrackofanykind.

h. Usingyourcarinconnectionwithanyexperiments,tests,trials,performanceoranyothercardemonstrationpurpose.

i. Usingyourcartocarryortowaloadthatisgreaterthanwhatthecarwasdesignedorlicensedfor.

j. UsingyourcaroutsideofSouthAfricainalistedcountryforlongerperiodsthanthosesetoutundertheheadingConditions for cover.

k. Whilethecarisdrivenortowedbyyou,oranyotherpersonthatyougaveyourpermissionto,where:

− thedriverdoesnothaveavaliddriver’slicence;

− thedriverisundertheinfluenceofalcoholordrugs;

− thealcoholcontentinthedriver’sbloodorbreathexceedsthelegallimit;or

− thedriverrefusestosubmittoanytesttodeterminethelevelofalcoholordrugsinhisblood,whenrequestedtodosobytheauthorities.Anytestincludesabloodtestandbreathalysertest.

Wewillassumethatyougaveyourpermissionif:

− thedriverhasusedyourcaronpreviousoccasions;and

− thedriverhasaccesstoyourcar’skeys.

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Cover section: Cars (Comprehensive cover)

Hollard – Easy – Car cover section (Comprehensive cover) – 20160811

l. Certainpartsofthecararenotcovered:

− damagetotheengineorsuspensionunlesscausedbyaninsured event;or

− damagetotyresandwheelscausedbyroadpunctures,cutsandbursts,orbyapplyingbrakesunlesscausedasadirectconsequenceofan insured event.ThisexclusiondoesnotapplyifyouarecoveredundertheTyre coveroptionalbenefit.

m. Anyresultantlossordamagethatwascausedbecauseyoucontinuedtodriveyourcarafteran insured event.

n. Thecosttorepairanypre-existingorolddamage,faultyworkmanshiporincompleterepairsthatwereinexistencepriortotheinsured event.

o. Wherethedriverofthecarleavesthesceneoftheaccidentunreasonably.

p. Theftofsoundequipmentfrominsidethecarunlesstherehasbeenforcibleandviolententryintothecar.

q. IfyourcardoesnotmeettheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

10. Your specific responsibilities

InadditiontoyourresponsibilitiessetoutintheYour responsibilities section,youhaveextraresponsibilitiesthatspecificallyapplytoyourCars (Comprehensive cover) section.

a. Tellusifyourcarwasmodifiedfromthemanufacturer’sspecifications,forexample:

− changestoenginecapacity;

− enhancingthecar’sperformance;or

− changestothesuspension.

b. Tellusifanyfactthatismaterialtotheriskofthecarchangeswithin14daysfromthedatethatithaschanged,forexample:

− theuseofthecar;

− theregular driverofthecar;

− whereyouusuallyparkthecar.

c. Keepyourcarroadworthy

− YoumustmaintainyourcaraccordingtotheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

d. TakeoutseparatethirdpartyliabilityinsurancecoverwhenyoutraveloutsideSouthAfrica

− ThereisnothirdpartyliabilitycoverwhenyoutraveloutsideSouthAfrica.Thereisonlycoverfordamagetothecaritself.

11. Specific conditions when you claim

Inadditiontotheconditionssetout intheClaiming under this policy section,thereareextraconditionsthatspecificallyapplytoyourCars (Comprehensive cover)section.

11.1 Report theft of your car to the police

Ifyouwanttoclaimforthetheftofyourcar,youmustreportthethefttothepolicewithin24hours.

11.2 If a person you know used your car without your permission

a. Ifapersonyouknowusedyourcarwithoutyourpermissionyoumustlayacriminalchargeagainstthatpersonwithin24hours,ifyouwanttoclaimfor:

− thetheftofyourcar;or

− damagetothecarwhileitwasusedwithoutyourpermission.

b. Youwillloseyourrighttoclaimunderthispolicyifyouwithdrawthecriminalcharge.

c. Ifweagreetopayaclaimwemayrecoverallclaimcostsfromthepersonwhousedyourcarwithoutyourpermission.

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11.3 If we decide to repair the car

a. Wewillarrangeforrepairstobecarriedoutbyaqualifiedrepairer.Therepairerwillrepairyourcar toaconditionsubstantiallythesameasitsconditionimmediatelybeforetheevent.

b. Thequalityoftheworkmanshipandthematerialsusedbyourrepairerareguaranteedforaslongasyouownthecar.Thisguaranteedoesnotincludewearandtear,rust,corrosionordepreciation.

c. Ifyouareconcernedaboutthequalityoftherepairstoyourcar,youmusttellusandmakeyourcar availabletousforinspection.

d. Wewillnotpayforanyworktoyourcartocorrectrepairs,unlesswegaveyouourpermissionbeforetheworkwasdone.

11.4 Replacement parts

a. Ifyourcarisstillcoveredbythemanufacturer’swarranty,aserviceoramotorplan,wewillrepairyourcaraccordingtomanufacturer’sspecifications.Ifwereplacewindowswemayuseglasswhichwasnotproducedby theoriginalmanufacturer.Theglasswillmeet theSouthAfricanBureauofStandards(SABS)safetyandqualitystandards.

b. Ifyourcarisnolongercoveredbythemanufacturer’swarranty,aserviceoramotorplan,wemayuse:

− newparts;

− partswhichareconsistentwiththeageorconditionofyourcar;or

− approvedalternativeparts.

c. Ifanydamagedpartformspartofaset(forexamplesidemirrors),wewillonlypayforthereplacementoftheactualpartthatisdamaged.

d. Ifanypartoraccessoryisnolongeravailablefromthemanufacturer,or isnotavailable inSouthAfrica,wewillonlypaythecostof:

− asimilarpartoraccessorythatisavailable;or

− thelastlistedpriceofthepartoraccessorythatisnolongeravailable.

e. Wearenotresponsibleforanyadditionalcostsbecauseofadelayinthesupplyofpartsoraccessories.

11.5 You must start repairs in the time period specified

Repairsmust startwithin threemonths from the date onwhichwe approved the repairs. Should therepairsnotstartwithinthethreemonthperiodbecauseofyourdelay,wewillonlypaytheamountthatweagreedasatthedateofourapproval.Youwillhavetopayanybalance.

11.6 If the car is a total loss

Yourcoverforthecarendsiftheclaimdecisionistotreatthecarasatotal loss.

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Cover section: Cars (Limited cover)

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Limited cover

1. Introduction

Your Cars (Limited cover) sectionexplains the typesofbenefits that areavailable to you. Youmust read thissectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

2. Definitions that apply to your Cars (Limited cover) section

Wherewereferto“you”intheCars (Limited cover) section,italsomeansanyonewhodrivesthecarwithyourpermission.ThefollowingdefinitionsareusedintheCars (Limited cover) sectionofthispolicy.

Car A passenger car, 4x4, SUV (sports utility vehicle), bakkie,mini-bus, light deliveryvehicle,panelvanandmotorisedcaravanwithagrossvehiclemassnotexceeding3500kg.Thespecificcarthatwecoverissetoutinthepolicyschedule.

Total loss Total lossmeanseitherofthefollowing:

− yourcarwasstolenorhijackedandnotfound;or

− yourcarwassobadlydamagedthatthecarisunsafeoruneconomicalforustorepair(write-off).Thismeansthatthecostofrepairs,plusthecostofanypartsonthecarthatcanbesavedandre-used(salvage),ismorethanthesum insured.

Regular driver Thepersonwhodrives,orisincontrolorpossessionofthecarmostofthetime.Thenameoftheregulardriverissetoutonthepolicyschedule.

Off-road Off-road means that you use your car or motorbike for four wheel driving, traildriving, sand dune driving or any other driving away from a public, prepared orgradedprivateroad.

Credit agreement An enforceable credit agreement in terms of the National Credit Act 34 of 2005enteredintobetweenyouandthecredit provider.

Credit provider Aregisteredfinancial institutionwhose interest in the insured property forms thesubjectofthecredit agreement.

3. Conditions for cover

a Your carmustberegisteredintermsofcurrentSouthAfricanlegislation.

b. You,oranyotherpersondrivingthecarmustbeinpossessionofavalidSouthAfricandriver’s licence,oravaliddriver’slicencethatcomplieswithSouthAfricanlegislation.Thisincludesapersonwithavalidlearner'slicence,butonlywhileaccompaniedbyapersonwithavaliddriver’slicence.

c. Your carmustbe fullypaidupandmaynotbefinanced in termsofacredit agreementwithacredit provider. If your car is financed,wemay cancel your cover from thecover start date andpaybackallpremiums,lesstheamountofanyclaimswemayhavepaid.

d. Wewillonlycoveryour carwithinthebordersofSouthAfrica,unlessyouaretravellingassetoutbelow.

e. Wewillcoveryourcarforatotalof90daysperyearwhileyouaretravellinginthefollowingcountries:Angola,Botswana,Kenya,Lesotho,Malawi,Mozambique,Namibia,Swaziland,Tanzania,Uganda,ZambiaandZimbabwe.

f. IfyourcarisdamagedoutsidethebordersofSouthAfrica,youmustbringthecarbacktoSouthAfricaatyourowncostbeforewewillconsidertheclaim.

4. You must tell us what you use your car for

Youmusttelluswhatyoumainlyuseyourcarfor,assetoutbelow.Wewillsetthisoutonthepolicyschedule.

a. Private use:Youuseyourcarforprivate,domesticandpleasurepurposes.Thisincludestravellingtoandfromyourplaceofwork,butexcludesbusinessuseasexplainedbelow.

b. Business use:Youuseyourcarforprivateuseasexplainedabove,andonaregularbasisforprofessionalorbusinesstravelling.

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c. Commercial use is not covered: Youmaynotuseyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

5. You must tell us how to calculate the value of your car

Youmusttellushowtocalculatethevaluethatyouwanttoinsureyourcarfor.Thesum insuredbasedonthemethodofcalculationisthemaximumamountwewillpayifyourcarisatotal loss.

5.1 The basis of calculation

Youcouldchoosefromanyofthefollowingtwocalculationmethodsassetoutonyourpolicyschedule:

a. Retail value: ThisisthevaluefromtheAutoDealer’sGuidepublishedbyTransUnionAutoInformationSolutions(Pty)Limited,oranysimilarpublicationapprovedbyus.Itisthepricemostdealerswouldbepreparedtosellyourcarfor,asestimatedbythispublication.Wemayadjustthevaluedependingonthemileageandconditionofthecar.

b. Specified value:Ifnoretailvaluecanbedetermined,youmayinsureyourcarforaspecifiedvalue.Ifweagreed,thespecifiedvalueandanyotherinformationandproofwemayneed,aresetoutinthepolicyschedule.

5.2 When we treat your car as new

a. Ifyourcarisatotal loss,and:

− youarethefirstregisteredownerofthecar;

− thecarislessthan12monthsoldfromthefirstregistrationdate;

− thecarhaslessthan30000kilometresontheodometer;and

− youinsuredyourcarforretailvalueandyoudidnotincreaseordecreasetheretailvaluebytheadjustmentpercentage.

b. Thenwewillchooseanyofthefollowingmethodstopayyourclaim:

− replaceyourcarwithasimilarnewcar;

− paythelistpriceofacarthatisthesamemodel;or

− paythelistpriceofacarthatisasimilarmodel(ifthesamemodelisnotavailable).

6. Main cover

6.1 Insured events

Wewillcoveryourcarforlossordamagecauseddirectlybytheinsured eventslistedbelow.

a. Hijacking,theftorattemptedtheft.

b. Fire,lightningandexplosion.

6.2. Third party liability

Athirdpartyisanotherpersonwhosepropertyisdamagedbecauseofanaccidentthatinvolvedyourcar,forexampletheownerofanothercarortheownerofproperty.

Youcanbeheldlegallyresponsibleifthisotherperson’spropertyisdamaged.Thisiscalledlegalliability.Wewillcoverthefollowingtypesofliability,includingreasonablelegalcostsandexpensesthatweagreedtoinwriting,uptothelimitsetoutinthepolicyschedule.

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a. Legal liability for damage

Wewillcoveryouforyourlegalliabilitytothirdpartiesifyourcarisinvolvedinaninsured eventthatcausesdamagetothepropertyofanyperson.

Wewillalsocoveryourlegalliabilitytolocalauthoritiesfordamagebecauseofanaccident.

b. Other people driving your car

Ifsomeoneelsedrivesyourcar,thatpersonwillalsobecoveredforlegalliabilityasdescribedabove.Youmusthavegiventhepersonpermissiontodriveyourcar.

c. Driving a car that does not belong to you

Ifyoudriveacarthatdoesnotbelongtoyou,youarealsocoveredforliabilityasdescribedabove,provided:

− youarethedriveratthetimeoftheincident;

− thecarisaprivatecarorlightdeliveryvehicle;

− itisnotleasedtoyouandyouarenotintheprocessofbuyingthecarfromamotordealer;

− thecarisnotrented;

− theinsured eventhappenedinthebordersofSouthAfrica;and

− thecarisnotelsewhereinsuredforthirdpartyliability.

Youarenotcoveredforthelossofordamagetothecaritself,orforanypropertycarriedbythecar.

d. When there is no legal liability

Thereisnolegalliabilitycoverinthefollowinginstances:

− Accidentaldeathoforbodilyinjurytoanyotherperson.InSouthAfrica,thisiscoveredbytheRoadAccidentFundAct(RAF)andbylawyoucanonlyclaimfromtheRAF.

− Damagetoproperty:

• belongingtoyou,oramemberofyourhouseholdoranypersoninyouremploy;

• inthecare,custodyorcontrolofyouoranyotherpersoncoveredbythispolicy;

• beingcarriedinoronacaravanoratrailertowedbyyourcar.

− Lossordamagetoacaravan,traileroranothervehiclethatdoesnotbelongtoyouwhileitistowedbyyourcar.

− Legal coststodefendcriminalactsorfinesforbreachesoftheNationalRoadTrafficAct.

− WhenyoutraveloutsideSouthAfrica.

7. Additional benefit

Wewillautomaticallycoveryouforthefollowingadditionalbenefit:

7.1 Transport, towing and storage

Ifyourcarneedstobetowedaway,wewillpaythecostofthetowingandstorage.Thefollowingconditionsapplytothisbenefit:

− Thereasonforthetowingmustbebecauseofaninsured eventunderthispolicy,andtheclaimmustbevalid.

− TheplacethatyourcaristowedtoandstoredatmustbewithinthebordersofSouthAfrica.

− Wewillnotlimittheamountwewillpay,butyoumustaskourpermissionbeforeyourcaristowed.

− Ifyoudonotaskourpermissionbeforeyourcaristowed,wewillnotpayforthecostofthetowing.

− Ifwepaidforthecostoftowingandstorageandtheclaimfortheinsured eventisnotvalid,youmustpaybacktheamountthatwehavepaid.

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8. Optional benefits

Thesearenotautomaticbenefits.Youmustchoosetobecoveredforthesebenefitsandpaytheextrapremium. Thefollowingconditionsapplytoalloptionalbenefits:

− Alloptionalbenefitsaresubjecttoamaximumofthelimitssetoutinthepolicyschedule.

− Anyloss,damageorlegalliabilitymustbecauseddirectlybyaninsured eventlistedintheCars (Limited cover) sectionofthispolicy,unlesswesaydifferently.

− TheCar hireoptionalbenefitthatyoucanchooseisshownonaseparatepagetowardstheendoftheCars sectionofthispolicy.

8.1 Factory-fitted accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverfactory-fittedaccessoriesforlossordamage.

− Factory-fittedaccessoriesarethoseitemsthatareoriginallyfittedbythemanufacturerduringtheproductionofthecar,andareincludedinthemanufacturer’sspecification.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

8.2 Aftermarket accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverthefollowingaftermarketaccessoriesforlossordamage:

− Accessoriesthatarenotoriginallyfittedbythemanufacturerduringtheproductionofthecar,andyouaskedthedealertofitthemforyouwhenyouboughtthecar.

− Accessoriesthatyouboughtseparatelyafteryouboughtthecar.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

9. Specific exclusions

SpecificexclusionsareinadditiontotheexclusionssetoutintheGeneral exclusions section.Certainexclusionsmaybecancelledifyouchoseabenefitthatgivesyoucoverforsomethingthatwouldnormallybeexcluded.

WewillnotpayaclaimforanyofthebenefitssetoutintheCars (Limited cover) sectionofthispolicythatwascausedby,orrelatedtoanyofthefollowingspecificexclusions.

a. Whileyourcarisinthecustodyandcontrolofthemotortradeforanypurposeotherthantheoverhaul,upkeeporrepairofthecar.

b. Usingyourcar for off-roaddrivingor4x4trackdriving.

c. Exposingyourcartosituationsthatclearlyhaveahighriskofloss,damageorliability,forexample,makingaU-turnonahighway.

d. Usingyourcartogivedrivinglessonsforwhichyouorthedriverofthecarreceivepayment.

e. Usingyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

f. Usingyourcartocarrydangerous,hazardous,flammablegoodsorsubstancesthatpolluteorcontaminate,in quantities greater than that used for domestic purposes. Examples are nitro glycerine or dynamite,chemicalsorcompressedgas,gasinliquidform,hazardouswasteorliquidpetroleum.

g. Duringanymotorsport,racing,rally,timetrialorwhilebeingtestedinpreparationforanymotorsportingactivity,orwhilebeingdrivenonamotorsportingcircuitortrackofanykind.

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h. Usingyourcarinconnectionwithanyexperiments,tests,trials,performanceoranyothercardemonstrationpurpose.

i. Usingyourcartocarryortowaloadthatisgreaterthanwhatthecarwasdesignedorlicensedfor.j. UsingyourcaroutsideofSouthAfricainalistedcountryforlongerperiodsthanthosesetoutunderthe

headingConditions for cover.k. Whilethecarisdrivenortowedbyyou,oranyotherpersonthatyougaveyourpermissionto,where:

− thedriverdoesnothaveavaliddriver’slicence; − thedriverisundertheinfluenceofalcoholordrugs; − thealcoholcontentinthedriver’sbloodorbreathexceedsthelegallimit;or − thedriverrefusestosubmittoanytesttodeterminethelevelofalcoholordrugsinhisblood,when

requestedtodosobytheauthorities.Anytestincludesabloodtestandbreathalysertest.

Wewillassumethatyougaveyourpermissionif:

− thedriverhasusedyourcaronpreviousoccasions;and − thedriverhasaccesstoyourcar’skeys.

l. Anyresultantlossordamagethatwascausedbecauseyoucontinuedtodriveyourcarafteran insured event.

m. Thecosttorepairanypre-existingorolddamage,faultyworkmanshiporincompleterepairsthatwereinexistencepriortotheinsured event.

n. Wherethedriverofthecarleavesthesceneoftheaccidentunreasonably.o. Theftofsoundequipmentfrominsidethecarunlesstherehasbeenforcibleandviolententryintothecar.p. IfyourcardoesnotmeettheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.q. Yourcarisfinancedintermsofacreditagreementwithacreditprovider.

10. Your specific responsibilities

InadditiontoyourresponsibilitiessetoutintheYour responsibilities section,youhaveextraresponsibilitiesthatspecificallyapplytoyourCars (Limited cover) section.

a. Tellusifyourcarwasmodifiedfromthemanufacturer’sspecifications,forexample:

− changestoenginecapacity; − enhancingthecar’sperformance;or − changestothesuspension.

b. Tellusifanyfactthatismaterialtotheriskofthecarchangeswithin14daysfromthedatethatithaschanged,forexample:

− theuseofthecar; − theregular driverofthecar; − whereyouusuallyparkthecar.

c. Keepyourcarroadworthy

− YoumustmaintainyourcaraccordingtotheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

d. TakeoutseparatethirdpartyliabilityinsurancecoverwhenyoutraveloutsideSouthAfrica

− ThereisnothirdpartyliabilitycoverwhenyoutraveloutsideSouthAfrica.Thereisonlycoverfordamagetothecaritself.

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11. Specific conditions when you claim

Inadditiontotheconditionssetout intheClaiming under this policy section,thereareextraconditionsthatspecificallyapplytoyourCars (Limited cover) section.

11.1 Report theft of your car to the police

Ifyouwanttoclaimforthetheftofyourcar,youmustreportthethefttothepolicewithin24hours.

11.2 If a person you know used your car without your permission

a. Ifapersonyouknowusedyourcarwithoutyourpermissionyoumustlayacriminalchargeagainstthatpersonwithin24hours,ifyouwanttoclaimfor:

− thetheftofyourcar;or − damagetothecarwhileitwasusedwithoutyourpermission.

b. Youwillloseyourrighttoclaimunderthispolicyifyouwithdrawthecriminalcharge.c. Ifweagreetopayaclaimwemayrecoverallclaimcostsfromthepersonwhousedyourcarwithout

yourpermission.

11.3 If we decide to repair the car

a. Wewillarrangeforrepairstobecarriedoutbyaqualifiedrepairer.Therepairerwillrepairyourcar toaconditionsubstantiallythesameasitsconditionimmediatelybeforetheevent.

b. Thequalityoftheworkmanshipandthematerialsusedbyourrepairerareguaranteedforaslongasyouownthecar.Thisguaranteedoesnotincludewearandtear,rust,corrosionordepreciation.

c. Ifyouareconcernedaboutthequalityoftherepairstoyourcar,youmusttellusandmakeyourcar availabletousforinspection.

d. Wewillnotpayforanyworktoyourcartocorrectrepairs,unlesswegaveyouourpermissionbeforetheworkwasdone.

11.4 Replacement parts

a. Ifyourcarisstillcoveredbythemanufacturer’swarranty,aserviceoramotorplan,wewillrepairyourcaraccordingtomanufacturer’sspecifications.Ifwereplacewindowswemayuseglasswhichwasnotproducedby theoriginalmanufacturer.Theglasswillmeet theSouthAfricanBureauofStandards(SABS)safetyandqualitystandards.

b. Ifyourcarisnolongercoveredbythemanufacturer’swarranty,aserviceoramotorplan,wemayuse:

− newparts; − partswhichareconsistentwiththeageorconditionofyourcar;or − approvedalternativeparts.

c. Ifanydamagedpartformspartofaset(forexamplesidemirrors),wewillonlypayforthereplacementoftheactualpartthatisdamaged.

d. Ifanypartoraccessoryisnolongeravailablefromthemanufacturer,or isnotavailable inSouthAfrica,wewillonlypaythecostof:

− asimilarpartoraccessorythatisavailable;or − thelastlistedpriceofthepartoraccessorythatisnolongeravailable.

e. Wearenotresponsibleforanyadditionalcostsbecauseofadelayinthesupplyofpartsoraccessories.

11.5 You must start repairs in the time period specified

Repairsmust startwithin threemonths from the date onwhichwe approved the repairs. Should therepairsnotstartwithinthethreemonthperiodbecauseofyourdelay,wewillonlypaytheamountthatweagreedasatthedateofourapproval.Youwillhavetopayanybalance.

11.6 If the car is a total loss

Yourcoverforthecarendsiftheclaimdecisionistotreatthecarasatotal loss.

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Third party cover

1. Introduction

Your Cars (Third party cover) sectionexplainsthetypesofbenefitsthatareavailabletoyou.Youmustreadthissectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

2. Definitions that apply to your Cars (Third party cover) section

Wherewereferto“you”intheCars (Third party cover) section,italsomeansanyonewhodrivesthecarwithyourpermission.ThefollowingdefinitionsareusedintheCars (Third party cover) sectionofthispolicy.

Car A passenger car, 4x4, SUV (sports utility vehicle), bakkie,mini-bus, light deliveryvehicle,panelvanandmotorisedcaravanwithagrossvehiclemassnotexceeding3500kg.Thespecificcarthatwecoverissetoutinthepolicyschedule.

Regular driver Thepersonwhodrives,orisincontrolorpossessionofthecarmostofthetime.Thenameoftheregulardriverissetoutonthepolicyschedule.

Off-road Off-road means that you use your car or motorbike for four wheel driving, traildriving, sand dune driving or any other driving away from a public, prepared orgradedprivateroad.

Credit agreement An enforceable credit agreement in terms of the National Credit Act 34 of 2005enteredintobetweenyouandthecredit provider.

Credit provider Aregisteredfinancial institutionwhose interest in the insured property forms thesubjectofthecredit agreement.

Outstanding loan amount

Theoutstandingloanamountistheamountyouowetoacredit providerintermsofa credit agreement.Thisamountexcludes:

− arrearinstalments;

− interestandfinancechargesonarrearinstalments;and

− anyearlysettlementpenalties.

3. Conditions for cover

a Your carmustberegisteredintermsofcurrentSouthAfricanlegislation.

b. You,oranyotherpersondrivingthecarmustbeinpossessionofavalidSouthAfricandriver’s licence,oravaliddriver’slicencethatcomplieswithSouthAfricanlegislation.Thisincludesapersonwithavalidlearner'slicence,butonlywhileaccompaniedbyapersonwithavaliddriver’slicence.

c. WewillonlycoveryouforthirdpartyliabilitywithinthebordersofSouthAfrica.

d. ThereisnothirdpartyliabilitycoverwhenyoutraveloutsideSouthAfrica–youmusttakeoutseparatethirdpartyliabilityinsurancecover.

e. Your car isnotcoveredforany lossordamagetothecar itself.Yourcar isonlycoveredforthirdpartyliability.

4. You must tell us what you use your car for

Youmusttelluswhatyoumainlyuseyourcarfor,assetoutbelow.Wewillsetthisoutonthepolicyschedule.

a. Private use:Youuseyourcarforprivate,domesticandpleasurepurposes.Thisincludestravellingtoandfromyourplaceofwork,butexcludesbusinessuseasexplainedbelow.

b. Business use:Youuseyourcarforprivateuseasexplainedabove,andonaregularbasisforprofessionalorbusinesstravelling.

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c. Commercial use is not covered: Youmaynotuseyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

5. Third party liability

Athirdparty isanotherpersonwhoseproperty isdamagedbecauseofanaccidentthat involvedyourcar, forexampletheownerofanothercarortheownerofproperty.

Youcanbeheldlegallyresponsibleifthisotherperson’spropertyisdamaged.Thisiscalledlegalliability.Wewillcoverthefollowingtypesofliability,includingreasonablelegalcostsandexpensesthatweagreedtoinwriting,uptothelimitsetoutinthepolicyschedule.

5.1 Legal liability for damage

Wewillcoveryouforyourlegalliabilitytothirdpartiesifyourcarisinvolvedinaninsured eventthatcausesdamagetothepropertyofanyperson.

Wewillalsocoveryourlegalliabilitytolocalauthoritiesfordamagebecauseofanaccident.

5.2 Other people driving your car

Ifsomeoneelsedrivesyourcar,thatpersonwillalsobecoveredforlegalliabilityasdescribedabove.Youmusthavegiventhepersonpermissiontodriveyourcar.

5.3 Driving a car that does not belong to you

Ifyoudriveacarthatdoesnotbelongtoyou,youarealsocoveredforliabilityasdescribedabove,provided:

− youarethedriveratthetimeoftheincident;

− thecarisaprivatecarorlightdeliveryvehicle;

− itisnotleasedtoyouandyouarenotintheprocessofbuyingthecarfromamotordealer;

− thecarisnotrented;

− theinsured eventhappenedinthebordersofSouthAfrica;and

− thecarisnotelsewhereinsuredforthirdpartyliability.

Youarenotcoveredforthelossofordamagetothecaritself,orforanypropertycarriedbythecar.

5.4 When there is no legal liability

Thereisnolegalliabilitycoverinthefollowinginstances:

− Accidentaldeathoforbodilyinjurytoanyotherperson.InSouthAfrica,thisiscoveredbytheRoadAccidentFundAct(RAF)andbylawyoucanonlyclaimfromtheRAF.

− Damagetoproperty:

• belongingtoyou,oramemberofyourhouseholdoranypersoninyouremploy;

• inthecare,custodyorcontrolofyouoranyotherpersoncoveredbythispolicy;

• beingcarriedinoronacaravanoratrailertowedbyyourcar.

− Lossordamagetoacaravan,traileroranothervehiclethatdoesnotbelongtoyouwhileitistowedbyyourcar.

− Legal coststodefendcriminalactsorfinesforbreachesoftheNationalRoadTrafficAct.

− WhenyoutraveloutsideSouthAfrica.

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6. Specific exclusions

SpecificexclusionsareinadditiontotheexclusionssetoutintheGeneral exclusions section.

WewillnotpayaclaimforanyofthebenefitssetoutintheCars (Third party cover) sectionofthispolicythatwascausedby,orrelatedtoanyofthefollowingspecificexclusions.

a. Whileyourcarisinthecustodyandcontrolofthemotortradeforanypurposeotherthantheoverhaul,upkeeporrepairofthecar.

b. Usingyourcar for off-roaddrivingor4x4trackdriving.

c. Exposing yourcar to situations that clearlyhaveahigh riskof lossordamage, for example crossing afloodedroadormakingaU-turnonahighway.

d. Usingyourcartogivedrivinglessonsforwhichyouorthedriverofthecarreceivepayment.

e. Usingyourcarforcommercialtravellingorasatooloftrade,forexample:

− usingyourcarasacourierordeliverycar;

− rentingoutyourcarforusebyothers;

− usingyourcartocarrypassengersforreward,suchasataxiorlimousine(excludingliftclubs);

− using your car to carryout your trade, such asplumbers, electricians, builders, garden services,farmers,etc.

f. Usingyourcartocarrydangerous,hazardous,flammablegoodsorsubstancesthatpolluteorcontaminate,in quantities greater than that used for domestic purposes. Examples are nitro glycerine or dynamite,chemicalsorcompressedgas,gasinliquidform,hazardouswasteorliquidpetroleum.

g. Duringanymotorsport,racing,rally,timetrialorwhilebeingtestedinpreparationforanymotorsportingactivity,orwhilebeingdrivenonamotorsportingcircuitortrackofanykind.

h. Usingyourcarinconnectionwithanyexperiments,tests,trials,performanceoranyothercardemonstrationpurpose.

i. Usingyourcartocarryortowaloadthatisgreaterthanwhatthecarwasdesignedorlicensedfor.

j. Whilethecarisdrivenortowedbyyou,oranyotherpersonthatyougaveyourpermissionto,where:

− thedriverdoesnothaveavaliddriver’slicence;

− thedriverisundertheinfluenceofalcoholordrugs;

− thealcoholcontentinthedriver’sbloodorbreathexceedsthelegallimit;or

− thedriverrefusestosubmittoanytesttodeterminethelevelofalcoholordrugsinhisblood,whenrequestedtodosobytheauthorities.Anytestincludesabloodtestandbreathalysertest.

k. Wherethedriverofthecarleavesthesceneoftheaccidentunreasonably.

l. IfyourcardoesnotmeettheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

7. Your specific responsibilities

InadditiontoyourresponsibilitiessetoutintheYour responsibilities section,youhaveextraresponsibilitiesthatspecificallyapplytoyourCars (Third party cover) section.

a. Tellusifyourcarwasmodifiedfromthemanufacturer’sspecifications,forexample:

− changestoenginecapacity;

− enhancingthecar’sperformance;or

− changestothesuspension.

b. Tellusifanyfactthatismaterialtotheriskofthecarchangeswithin14daysfromthedatethatithaschanged,forexample:

− theuseofthecar;

− theregular driverofthecar.

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c. Keepyourcarroadworthy

− YoumustmaintainyourcaraccordingtotheroadworthyrequirementsoftheapplicableNationalRoadTrafficAct.

d. TakeoutseparatethirdpartyliabilityinsurancecoverwhenyoutraveloutsideSouthAfrica

− ThereisnothirdpartyliabilitycoverwhenyoutraveloutsideSouthAfrica.

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Long-term storage cover

1. Introduction

Your Cars (Long-term storage) sectionexplainsthetypesofbenefitsthatareavailabletoyou.Youmustreadthissectiontogetherwiththegeneraltermsandconditionsandyourpolicyschedule.

2. Definitions that apply to your Cars (Long-term storage) section

ThefollowingdefinitionsareusedintheCars (Long-term storage) sectionofthispolicy.

Car A passenger car, 4x4, SUV (sports utility vehicle), bakkie,mini-bus, light deliveryvehicle,panelvanandmotorisedcaravanwithagrossvehiclemassnotexceeding3500kg.Thespecificcarthatwecoverissetoutinthepolicyschedule.

Total loss Total lossmeanseitherofthefollowing:

− yourcarwasstolenorhijackedandnotfound;or

− yourcarwassobadlydamagedthatthecarisunsafeoruneconomicalforustorepair(write-off).Thismeansthatthecostofrepairs,plusthecostofanypartsonthecarthatcanbesavedandre-used(salvage),ismorethanthesum insured.

Credit agreement An enforceable credit agreement in terms of the National Credit Act 34 of 2005enteredintobetweenyouandthecredit provider.

Credit provider Aregisteredfinancial institutionwhose interest in the insured property forms thesubjectofthecredit agreement.

3. Conditions for cover

a Your carmustberegisteredintermsofcurrentSouthAfricanlegislation.

b. Wewillonlycoveryour carwithinthebordersofSouthAfrica.

c. Wewillonlycoveryourcarwhileyouarenotusingitandwhileitisstoredinasecureplace,forexamplealockedandcoveredgarage.

d. Wewillnotcoveryourcarwhileanybodyisdrivingit.

e. Your carmustbe fullypaidupandmaynotbefinanced in termsofacredit agreementwithacredit provider. If your car is financed,wewill cancel your cover from the cover start date and pay back allpremiums,lesstheamountofanyclaimswemayhavepaid.

4. You must tell us how to calculate the value of your car

Youmusttellushowtocalculatethevaluethatyouwanttoinsureyourcarfor.Thesum insuredbasedonthemethodofcalculationisthemaximumamountwewillpayifyourcarisatotal loss.

5.1 The basis of calculation

Youcouldchoosefromanyofthefollowingthreecalculationmethodsassetoutonyourpolicyschedule:

a. Retail value: ThisisthevaluefromtheAutoDealer’sGuidepublishedbyTransUnionAutoInformationSolutions(Pty)Limited,oranysimilarpublicationapprovedbyus.Itisthepricemostdealerswouldbepreparedtosellyourcarfor,asestimatedbythispublication.Wemayadjustthevaluedependingonthemileageandconditionofthecar.

− Youmayincreaseordecreasetheretailvalueofyourcarbyapercentage.Theretailvalueadjustmentpercentagethatyouchoseissetoutinthepolicyschedule.

b. Specified value:Ifnoretailvaluecanbedetermined,youmayinsureyourcarforaspecifiedvalue.Ifweagreed,thespecifiedvalueandanyotherinformationandproofwemayneed,aresetoutinthepolicyschedule.

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5.2 When we treat your car as new

a. Ifyourcarisatotal loss,and:

− youarethefirstregisteredownerofthecar;

− thecarislessthan12monthsoldfromthefirstregistrationdate;

− thecarhaslessthan30000kilometresontheodometer;and

− youinsuredyourcarforretailvalueandyoudidnotincreaseordecreasetheretailvaluebytheadjustmentpercentage.

b. Thenwewillchooseanyofthefollowingmethodstopayyourclaim:

− replaceyourcarwithasimilarnewcar;

− paythelistpriceofacarthatisthesamemodel;or

− paythelistpriceofacarthatisasimilarmodel(ifthesamemodelisnotavailable).

5. Main cover (Insured events)

Wewillcoveryourcarforlossordamagecauseddirectlybytheinsured eventslistedbelow.

a. Accidentdamage.Damagewhenyourcarisinvolvedinacollisionoranyotheraccidentaldamage,butnotwhileanybodyisdrivingit.

b. Weather,includingstorm,wind,snow,rain,orflood.

c. Hijacking,theftorattemptedtheft.

d. Fire,lightningandexplosion.

e. Earthquake.

f. Maliciousdamage.

6. Optional benefits

Thesearenotautomaticbenefits.Youmustchoosetobecoveredforthesebenefitsandpaytheextrapremium. Thefollowingconditionsapplytoalloptionalbenefits:

− Alloptionalbenefitsaresubjecttoamaximumofthelimitssetoutinthepolicyschedule.

− Anyloss,damageorlegalliabilitymustbecauseddirectlybyaninsured eventlistedintheCars (Long-term storage) sectionofthispolicy,unlesswesaydifferently.

6.1 Factory-fitted accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverfactory-fittedaccessoriesforlossordamage.

− Factory-fittedaccessoriesarethoseitemsthatareoriginallyfittedbythemanufacturerduringtheproductionofthecar,andareincludedinthemanufacturer’sspecification.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

6.2 Aftermarket accessories

Anaccessoryisanadditiontoyourcarthatcanonlyberemovedbyusingatool.Wewillcoverthefollowingaftermarketaccessoriesforlossordamage:

− Accessoriesthatarenotoriginallyfittedbythemanufacturerduringtheproductionofthecar,andyouaskedthedealertofitthemforyouwhenyouboughtthecar.

− Accessoriesthatyouboughtseparatelyafteryouboughtthecar.

− Youmusttellusabouteachaccessory,andgiveusthevalueanddescriptionoftheaccessory.Wewilllisteachaccessoryonthepolicyschedule.

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7. Specific exclusions

SpecificexclusionsareinadditiontotheexclusionssetoutintheGeneral exclusions section.

WewillnotpayaclaimforanyofthebenefitssetoutintheCars (Long-term storage) sectionofthispolicythatwascausedby,orrelatedtoanyofthefollowingspecificexclusions.

a. Exposingyourcartosituationsthatclearlyhaveahighriskoflossordamage,forexamplestoringyourcar underanopencarport.

b. Thecosttorepairanypre-existingorolddamage,faultyworkmanshiporincompleterepairsthatwereinexistencepriortotheinsured event.

c. Theftofsoundequipmentfrominsidethecarunlesstherehasbeenforcibleandviolententryintothecar.

d. Anylossordamagewhileyourcaristransportedbysea,road,railwayorair.

e. Your carisfinancedintermsofacredit agreementwithacredit provider.

8. Your specific responsibilities

InadditiontoyourresponsibilitiessetoutintheYour responsibilities section,youhaveextraresponsibilitiesthatspecificallyapplytoyourCars (Long-term storage) section.

a. Tellusifanyfactthatismaterialtotheriskofthecarchangeswithin14daysfromthedatethatithaschanged,forexamplewhereyoustorethecar.

b. Tellusifyoustartusingyourcaragaintoensureyouarecovered.

9. Specific conditions when you claim

Inadditiontotheconditionssetout intheClaiming under this policy section,thereareextraconditionsthatspecificallyapplytoyourCars (Long-term storage) section.

11.1 Report theft of your car to the police

Ifyouwanttoclaimforthetheftofyourcar,youmustreportthethefttothepolicewithin24hours.

11.2 If a person you know used your car without your permission

a. Ifapersonyouknowusedyourcarwithoutyourpermissionyoumustlayacriminalchargeagainstthatpersonwithin24hours,ifyouwanttoclaimfor:

− thetheftofyourcar;or

− damagetothecarwhileitwasusedwithoutyourpermission.

b. Youwillloseyourrighttoclaimunderthispolicyifyouwithdrawthecriminalcharge.

c. Ifweagreetopayaclaimwemayrecoverallclaimcostsfromthepersonwhousedyourcarwithoutyourpermission.

11.3 If we decide to repair the car

a. Wewillarrangeforrepairstobecarriedoutbyaqualifiedrepairer.Therepairerwillrepairyourcar toaconditionsubstantiallythesameasitsconditionimmediatelybeforetheevent.

b. Thequalityoftheworkmanshipandthematerialsusedbyourrepairerareguaranteedforaslongasyouownthecar.Thisguaranteedoesnotincludewearandtear,rust,corrosionordepreciation.

c. Ifyouareconcernedaboutthequalityoftherepairstoyourcar,youmusttellusandmakeyourcar availabletousforinspection.

d. Wewillnotpayforanyworktoyourcartocorrectrepairs,unlesswegaveyouourpermissionbeforetheworkwasdone.

11.4 Replacement parts

a. Ifyourcarisstillcoveredbythemanufacturer’swarranty,aserviceoramotorplan,wewillrepairyourcaraccordingtomanufacturer’sspecifications.Ifwereplacewindowswemayuseglasswhichwasnotproducedby theoriginalmanufacturer.Theglasswillmeet theSouthAfricanBureauofStandards(SABS)safetyandqualitystandards.

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b. Ifyourcarisnolongercoveredbythemanufacturer’swarranty,aserviceoramotorplan,wemayuse:

− newparts;

− partswhichareconsistentwiththeageorconditionofyourcar;or

− approvedalternativeparts.

c. Ifanydamagedpartformspartofaset(forexamplesidemirrors),wewillonlypayforthereplacementoftheactualpartthatisdamaged.

d. Ifanypartoraccessoryisnolongeravailablefromthemanufacturer,or isnotavailable inSouthAfrica,wewillonlypaythecostof:

− asimilarpartoraccessorythatisavailable;or

− thelastlistedpriceofthepartoraccessorythatisnolongeravailable.

e. Wearenotresponsibleforanyadditionalcostsbecauseofadelayinthesupplyofpartsoraccessories.

11.5 You must start repairs in the time period specified

Repairsmust startwithin threemonths from the date onwhichwe approved the repairs. Should therepairsnotstartwithinthethreemonthperiodbecauseofyourdelay,wewillonlypaytheamountthatweagreedasatthedateofourapproval.Youwillhavetopayanybalance.

11.6 If the car is a total loss

Yourcoverforthecarendsiftheclaimdecisionistotreatthecarasatotal loss.

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Car hire

1. Introduction

ThiscarhirebenefitisanOptionalbenefitifyourcariscoveredunderComprehensiveorLimitedcover.Youmustchoosetobecoveredforthisbenefitandpaytheextrapremium.

2. Car hire

2.1 When we will give you a rental car

Ifweacceptaclaimunderthispolicywhenyourcar isdamagedorstolenwithinthebordersofSouthAfrica,wewillgiveyouarentalcar.Youmaydrivetherentalcarfortheshorterofthebelowperiods:

− thenumberofdaysyouchoseassetoutinthepolicyschedule;or

− untilwerepairedyourcarorpaidyouforatotal loss;or

− wetellyouthatyourclaimhasbeenrejected.

2.2 What the car hire benefit includes

Thecarhirebenefitincludesthefollowing:

− acarthatislistedinthecarhiregroupthatyouchose,assetoutinthepolicyschedule;

− unlimitedkilometres;

− airportsurchargeforrentalsfromanairport;

− tourismlevy;and

− deliveryorcollectionsupto25kilometresfromthenearestcarhirecompanycontractedbyus.

2.3 What you are responsible for

Youareresponsibleforthefollowing:

− allfueldeposits,fuelandrunningcosts,includingtollfees;

− theexcesschargedbythecarhirecompanyforlossordamagetotherentalcar;

− trafficorspeedingfineswhiletherentalcarisinyourcustodyandcontrol,untilitisreturned;

− delivery or collection charges for distances longer than 25 kilometres from the nearest car hirecompanycontractedbyus;

− costsaftertherentalcarhasbeeninyourcustodyandcontrolforlongerthantheallowedperiodsetoutabove;and

− allcostsfortherentalcarifwerejectyourclaim.Youmustpaybackallcoststhatwehavepaid.

2.4 Special conditions

− Youmustsignalldocumentationrequiredbythecarhirecompany.

− Onlythepersonthatreceivedpermissionfromthecarhirecompanymaydrivetherentalcar.Thatpersonmustbeinthepossessionofavaliddriver’slicence.

− Wewillnotpaythecostofthecarhireifyoudonotkeeptotheterms,conditionsandinsurancerequirementsofthecarhirecompany.

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Off-road and Classic car bundles

1. Introduction

TheOff-roadandClassiccarbundlesareOptionalbenefits.Youmustchoosetobecoveredforthesebenefitsandpaytheextrapremium.

2. Off-road bundle

Wewillcoveryouforthefollowingbenefitsundertheoff-roadbundle.Ifyourmotorbike iscoveredundertheMotorbikesectionofthispolicy,andyouchosetheOff-road bundleforyourmotorbike,wewillalsocoveryourmotorbike.

2.1 Special conditions that apply to the cross-border services

Certainservicesintheoff-roadbundleareonlyavailablecross-border.

a. Important:YoumustcallourHelplinenumbersetoutintheQuick reference guide to arrange for anyofthecross-borderservices.

b. Cross-border means the following countries: Angola, Botswana, Kenya, Lesotho, Malawi,Mozambique,Namibia,Swaziland,Tanzania,Uganda,ZambiaandZimbabwe.

c. Youmustpayforallthecostsyourselfandwewillpayyoubackuptothelimitsapplicabletoeachbenefit.Thelimitsaresetoutinthepolicyschedule.

d. Wewillnotpayyoubackanycostsifyoudidnotfirstcallthecall-centre,oryouignorethesuggestionsofthecall-centreandusedanotherserviceprovider.

e. Wemaynotbeabletoarrangetheserviceyouneedbecauseofrestrictionsinsomeofthecross-bordercountries.Forexample,inextremecircumstanceswemaynotfindanappropriaterepairerinthecross-bordercountry.Wewillthenarrangeforthenextbestalternativetoensureyouarenotleftstrandedinacross-bordercountry.

2.2 Cross-border emergency repairs

If car or motorbikeneedsemergencyrepairstogetyourcar or motorbikesafelybackontheroadinoneofthecross-bordercountries,wewillarrangetherepairs.

Thefollowingconditionsapply:

a. Wewillpayyoubackthecostoftherepairsyouhadtopay,uptothe limitsetout inthepolicyschedule.

b. Youmustgiveusadetailedinvoiceaspartofyourclaim.

c. Ifrequired,wewillarrangefortechnicalassistanceattheroadside.Wewillpayforthecostofthetechnicalassistanceuptothelimitsetoutinthepolicyschedule.

2.3 Cross-border breakdown – cover for additional costs

Ifyourcar or motorbikebreaksdowninacross-bordercountry,theremightbeadditionalcostsbecausetheincidenthappenedoutsideofSouthAfrica.Wewillpayyoubacktheadditionalcostsyouhadtopayuptothelimitsetoutinthepolicyschedule.

Forexample,youhavetoflysparesinfromSouthAfricabecausethesparesarenotavailableinthecross-border country. In addition to the cost of repairs thatwewill payunder theCross-border emergency repairs benefit,wewillalsopayforthedeliveryofthespares.

2.4 Cross-border emergency accommodation

Ifdamageto,orthetheftofyourcar or motorbikeresultsinanovernightdelayinoneofthecross-bordercountries,wewillarrangeaccommodationforyouandthepassengers.

Ifweaccepttheclaimunderthispolicy,wewillpayyoubackthecostoftheemergencyaccommodationyouhadtopay.

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2.5 Cross-border towing and return to South Africa

Wewillarrangefortowingyourcar or motorbike inanyofthecross-bordercountries,andtoreturntoSouthAfricaifneeded.

Ifyouweretowingacaravan or traileratthetimeoftheincident,wewillalsotowyourcaravan or trailer. Your caravan or trailermustweighlessthan3500kg.

Wewillpayyoubackthecostyouhadtopay,uptothelimits.Youmustgiveusadetailedinvoiceaspartofyourclaim.Thefollowingconditionsapply:

a. Theplacethatyourcar or motorbikeistowedfromandstoredatmustbeinanyofthecross-bordercountries.

b. Iftheincidenthappenedoutsideofofficehourswewillmovethecar or motorbiketoaplaceforsafe-keeping.

c. Ifthereasonforthetowingismechanicalorelectricalbreakdown,wewilltowthecar or motorbike totheclosestrepairerinthecross-bordercountrytoallowyoutocontinuewithyourjourney.

d. Ifthedamageisnotrepairableinthecross-bordercountry,wewilltowthecar or motorbiketotheclosestrepairerinSouthAfrica.

e. Ifthereasonforthetowingisaninsured event,wewilltowthecar or motorbiketotherepairerofourchoiceinSouthAfrica.

f. Wewillonlypayforonetow,anythingfurtherthantherepairerinSouthAfricaisforyourcost.

g. WewillreturnyouandtheotherpassengersbacktoyourhomeinSouthAfricabywayofaone-wayeconomyflight,oryoumaychoosetousetheCross-border car hirebenefit.

2.6 Cross-border car hire

Wewillpayyoubackthecostofcarhireuptoamaximumofthelimitsetoutinthepolicyscheduleif:

− Weacceptaclaimunderthispolicywhenyourcar or motorbikeisdamagedorstoleninoneofthecross-bordercountries;or

− Your car or motorbikebreaksdownforanyotherreasoninoneofthecross-bordercountries.

a. What the car hire benefit includes

Thecarhirebenefitincludesthefollowing:

− airportsurchargeforrentalsfromanairport;

− tourismlevy;

− insurancecosts;and

− deliveryorcollections.

b. What the car hire benefit excludes

Wewillnotpayyoubackanyofthefollowingcosts:

− allfueldeposits,fuelandrunningcosts;

− theexcesschargedbythecarhirecompanyforlossordamagetotherentalcar;

− lossordamagetotherentalcar;

− trafficorspeedingfineswhiletherentalcarisinyourcustodyandcontrol,untilitisreturned;

− anybreakdownorrecoverycosts;and

− costs after the rental car has been in your custody and control for longer than the timeindicatedbymaximumlimitwewillpayfor.

2.7 Off-road and 4x4 course use

Wewillcoveryourcar or motorbikeforlossordamagecauseddirectlybytheinsured eventslistedundertheheadingMaincover,whenusedforoff-roadpurposesand4x4courses.Yourcar or motorbikemustbedesignedforoff-roadpurposes.

Thismeansthatthefollowingspecificexclusiondoesnotapply:Usingyourcar for off-roaddriving.

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2.8 Theft of luggage

Wewillpayforthetheftofluggagefromaroof-rack,canopy,trailerorcarrier.

2.9 Theft of spare wheel and other accessories

Wewillpayforthetheftofitemsthatareattachedtoyourcar,uptothelimitsetoutinthepolicyschedule.Theymusthavebeenforciblyandviolentlyremovedfromyourcar.Forexample:

− sparewheel

− rooftoptent

− sideawning

− bicycle,canoeorfishingrodcarrierracks

Ifyourmotorbikeiscovered,examplesofaccessoriesthatareattachedtoyourmotorbikearemotorcycleluggagecarriers,ormotorcyclespotlights.

2.10 Breakdown of winching equipment

Wewill pay for the sudden and unforeseen breaking, ormechanical or electrical failure of your car’s winchingequipment.Thisbenefitdoesnotincludebreakingorfailurecausedby:

− operation of the winching equipment that is not in accordance with the manufacturer’srecommendations;or

− wearandtear(thegradualdeterioration)ofthewinchingequipment'sparts,components,cableorcouplingdevices.

2.11 What is not covered under the Off-road bundle

a. Anylossordamagebecauseyouleftyourcarunattendedforanunreasonableperiod,orbecauseyoudidnottakereasonablestepstopreventlossordamage.

b. Anyborderfeesorduties,forexampleroadaccessfees,borderpostfeesandexitpasses.

3. Classic car bundle

Wewillcoveryourclassiccarforthebenefitssetoutbelow,aswellasforlossordamagecauseddirectlybytheinsured eventslistedundertheMaincover.Yourcarmustmeetthespecialconditions.Youcanonlyinsureyourclassiccar for a Specified value.

3.1 Special conditions

Weconsideryourcarasaclassicifyourcar:

− ismorethan20yearsold;and

− doesnottravelmorethan10000kilometresperyear.

3.2 Parts that are temporarily detached

Wewillcoveryoufor lossordamagetopartsthataretemporarilydetachedfromyourclassiccar.Thefollowingconditionsapply:

a. Thepartsareremovedforthepurposeofservice,restorationorrepair;

b. Thepartsareinyourortherepairer’spersonalsafekeeping;and

c. Thepartsaresecuredinalockedgarageorstoreroom.

3.3 Imported parts

Wewillpaythecostofimportingreplacementpartsandexpressdelivery.Thefollowingconditionsapply:

a. Your carisrepairedafterlossordamagebecauseofaninsured event;and

b. ThereplacementpartisnotavailableinSouthAfrica.

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3.4 Salvage on classic cars

Iftheclaimdecisionistotreatyourclassiccarasatotal loss,wewillgiveyouthefirstoptiontobuythesalvage.

a. Salvagemeansanypartsonthecarthatcanbesavedandre-used.

b. Youmaybuythesalvageatacostof20%ofthesum insured.

c. Ifyourclassiccarisunder-insured,youwilllosetheoptiontobuythesalvage.Thismeansthesum insuredismorethan20%belowthereasonablereplacementvalue.

3.5 Cover while with the dealer

Wewillpayforlossordamagecausedbyaninsured event,exceptforacollision,whileyourcarisinthecustodyofadealerthatisamemberofthemotortrade.

Thisbenefitcancelsthefollowingspecificexclusion:Whileyourcar is inthecustodyandcontrolofthemotortradeforanypurposeotherthantheoverhaul,upkeeporrepairofthecar.

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Cover section: Cars (Tyre cover)

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Tyre cover

1. Introduction

TyrecoverisanOptionalbenefit.Youmustchoosetobecoveredforthisbenefitandpaytheextrapremium.

2. Tyre cover

Wewillcoveryourcar’styresforcertainbenefitsassetoutbelow,uptothelimitssetoutinthepolicyschedule.ThebenefitsareonlyavailableatTigerWheelandTyre(TWT)fitmentcentreswithinSouthAfrica,unlesswesaydifferently.

2.1 Conditions for cover

a. Youmustinsureallfourtyresofyourcar,whetherneworused.

b. Thetyresmustbefittedtothecarthatissetoutinthepolicyschedule.

c. The tyres must be within the legal tread limit as determined by the National Road Traffic Act.AccordingtothisAct,nopersonshalloperateamotorvehicleonapublicroadwhich:

− isfittedwithapneumatictyreunlesssuchtyredisplaysthroughout,acrossitsbreadthandarounditsentirecircumference,apatternwhichisclearlyvisible,andhasatreadofatleast1mm(onemillimetre)indepth;or

− isfittedwithapneumatictyrewhichcontainsatyretreaddepthindicator,ifthetreadislevelwiththetyretreaddepthindicator.

2.2 What we cover

a. Puncture repair

WewillrepairfourpuncturesperyearatanyTWTstore.Wewillonlyrepaironepuncturepertyreperyear.

b. Wheel alignment and balancing

Ifyoudonothaveaclaim,wewillbalanceallthetyresandperformwheelalignmentonceinevery12monthperiod of insurance.

c. Damaged tyres – one tyre

If the tyre is damaged and cannot be repaired in the opinion of TWT,wewill give you a creditamount.YoucanusethecredittobuyanewtyreatTWT.Wewillbalancethenewtyreandperformwheelalignment.

d. Damaged tyres – same axle

Some carmanufacturersinsistthattyreshavethesametreadperaxleotherwiseitcanaffectthevehiclewarranty.Wewillalsogiveyouacreditamountfortheundamagedtyreonthesameaxleasthedamagedtyre.Thesamecreditamountwillapplyasforthedamagedtyre.Wewillalsobalanceandalignthenewtyre.This isnotanautomaticbenefit,youmustchoosetobecoveredforthisbenefitandpaytheextrapremium.

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2.3 How we calculate the credit amount

Youmustpayanexcessamountwitheachandeveryclaimfordamagedtyres.Wewilldeduct1mmfromthetreaddepthleftonthetyre,toactasyourexcesspayment.Thecreditamountisapercentageofthepriceofanewtyre,ascalculatedbelow:

Tread depth Credit amount as a percentage of the purchase price

8mm (8mm–1mm)/8mm=87.5%

7mm (7mm–1mm)/8mm=75%

6mm (6mm–1mm)/8mm=62.5%

5mm (5mm–1mm)/8mm=50%

4mm (4mm–1mm)/8mm=37.5%

3mm (3mm–1mm)/8mm=25%

2mm (2mm–1mm)/8mm=12.5%

2.4 How to claim for the tyre cover

a. YoumusttakethetyretoaTWTstoreforassessmentandtosubmittheclaim.

b. Youmustsubmittheclaimwithin30daysoftheeventandgiveTWTyouridentitynumberandpolicynumber.

c. TheTWTmanagerwillassessthetyreanddecideiftheclaimisvalid.

d. Youmaynotclaimforanybenefitduringthewaitingperiodsetoutinthepolicyschedule.

2.5 If the claim is valid – what we will pay

a. Ifitisavalidclaim,youmaynotkeeporbuythedamagedtyre.Thetyrethenbecomesourproperty.

b. Wewillgiveyouacreditamountthatyoucanusetobuyanewtyre.

c. YoumayonlyuseyourcreditataTWTfitmentcentre.

d. IfthetyreisnotavailableandTWTcannotfindthetyreforyou,youmaybuythetyreelsewhere.Wewillthenrefundyoutheamountofthecredit,onreceiptofyourinvoice.

e. Wewillnotpayyouacashamountunderanyothercircumstances.

2.6 If there is no TWT store in your area

a. YoumaymakeuseofanothertyrefitmentcentreifthereisnoTWTstorewithin20kmfromtheplacewhereyourtyregotdamaged.

b. YoucanonlyclaimforthePuncturerepairandDamagedtyrebenefit(foronetyreonly).

c. Youmustpaytheothertyrefitmentcentredirectlyandclaimbackthecostsfromus.

d. Youmustsubmittheclaimwithin30daysoftheeventbycallingusonourHelplinenumbersetoutintheQuick reference guide.

e. If you replacedadamaged tyre,weneed the treaddepthof thedamaged tyre to calculate theappropriatecreditamount.Youmustmakesurethatthetreaddepthofthedamagedtyreissetoutontheinvoicefromthetyrefitmentcentre.

f. Ifyouchosetohavethetyreonthesameaxlecoveredaswell,youmusttaketheundamagedtyretoaTWTfitmentcentretobereplaced.

g. IftheamountyoupaidismorethanwhatwewouldhavepaidtoTWT,wewillonlypayyoubacktheamountwewouldhavepaidtoTWT.

h. IftheamountyoupaidislessthanwhatwewouldhavepaidtoTWT,wewillonlypayyoubacktheamountyoupaid.

i. Youmustgiveusacopyoftheinvoicefromanothertyrefitmentcentrebeforewewillconsideryourclaim.

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2.7 Exclusions – what we do not cover

Wewillnotpayforanyofthefollowing:

a. tyreswithlesstreadthanthelegaltreadlimit;

b. anytyrethatcansafelyberepairedintheopinionofTWT;

c. damagetothetyreswhenanotherpartofthecarisalsodamagedbecauseofacaraccident;

d. replacingatyreonthesameaxleasthedamagedtyre,whenthis isrequiredbecauseofthecar manufacturerstandards.Thisexclusiondoesnotapplyifyouchosetohavetheundamagedtyreonthesameaxlecovered;

e. ifthetyreisdamagedbecauseofvandalism,abuseormechanicalfailureofthecar;

f. ifyousubmitaclaimafter30daysfromthedateoftheeventthatcausedthedamage;

g. anyclaimthathappenedduringthewaitingperiodassetoutinthepolicyschedule;

h. theftofatyre;or

i. cosmetic,chemicalormaliciousdamage.

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Cover section: Cars (Scratch and dent cover)

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Scratch and dent cover

1. Introduction

ScratchanddentcoverisanOptionalbenefit.Youmustchoosetobecoveredforthisbenefitandpaytheextrapremium.

2. Scratch and dent cover

Wewillpayfortherepairsofanunlimitednumberofminordamagestoyourcarduringtheperiod of insurance,unlesswesaydifferently.

− Youdonothavetopayanyexcessonaclaim.

− Wewillonlypayuptothelimitssetoutinthepolicyschedule.

− Youcouldchoosetocoveryourcar’sexteriorandinterior,oronlyyourcar’sexterior,assetoutinthepolicyschedule.

2.1 Exterior repairs – what we cover

− Chipstothebodyworkofyourcarthatarenotmorethan3mmindiameter.

− Dentstothebodyworkofyourcarthatarenotmorethan15cmindiameter.

− Scratchestothebodyworkofyourcarthatarenotlongerthan15cm.

− Damagetoyourcar’swheelrimsormagwheelsthatcanberepaired.Thisbenefitdoesnotincludeanunlimitednumberofdamages.Youmayonlyclaimuptothelimitinanyuninterrupted12monthperiod of insurance.Wewillnotpayforanyfurtherclaimsinthat12monthperiodafteryouhavereachedthislimit.

− Removaloftarfromthebodyworkofyourcar.

2.2 Interior repairs – what we cover

− Centreconsole.Scratches,scuffsandpeelingoftherubberonyourcar’scentreconsole.Damagemustbelessthan15cminlengthandlessthan1mmdeep.

− Dashboardandcubbyhole.Scratchesorscuffsnotlongerthan15cmandlessthan1mmdeep.

− Plasticdoorhandles.Repairandre-sprayscratchesofscuffsnot longer than15cmand less than1mmdeep.

− Gearleverbootandhandbrakeboot.Tearsorripsnotlongerthan5cm.

− Gearknob.Onlyifthepainthasfaded.

− Headrest.Repairtothecoverandmouldonly.Ifexactfabricisnotavailable,wewilluseasuitablereplacement.Wewillnotrepairorreplaceguides,framesandnails.

− Parcelshelf.Repairorreplacethecoveringofadamagedparcelshelfintherearofhatch-backcars.

− Rooflining.Repairstoonerooflininginanyuninterrupted24monthperiod of insurance.Iftheroofliningbecomeslooseorstartstohang,wewillpaytore-covertherooflining.Wedonotcovertheroofliningofconvertiblesorcarsthathavesunroofs.

− Rubbercarpetinserts.Re-coveringtherubberheelmatonthedriver’sside.

− Seatpanel.Tearsnolongerthan5cmandburnholesnotmorethan10mmindiameter.Ifexactfabricisnotavailable,wewilluseasuitablereplacement.

− Seatstitching.Damagetostitchingnolongerthan7.5cm.

− Sidepanel.Replacingthesidepanelorrepairingthestitchingofthesidepanelwheretheairbagiscontained.Wedonotreplaceairbagsandarenotresponsibleforairbagsthatmaybefaultyafterwehavereplacedthesidepanel,orrepairedthesidepanel’sstitching.

− Steeringwheelre-spray.Wewillsprayleathersteeringwheels.Wewillnotreplacethecoveringofsteeringwheels.

− Sunvisors.Wewillreplacetheclipsandthecoveringofthesunvisor.

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Cover section: Cars (Scratch and dent cover)

Hollard – Easy – Car cover section (Scratch and dent cover) – 20160811

2.3 Exclusions – what we do not cover

Wewillnotpayforanyofthefollowing:

− DamagesthatarenotlistedunderExterior repairs or Interior repairs.

− Damageswhereanypartofthebodypanelisrippedortorn.

− Damagesthathappenedoutsidetheperiod of insurance.

− Pre-existingdamages,includingrustandanygraduallydevelopingcause.

− Ifthecostofrepairsismorethanthelimit.

− Damagesthathappenedduringaperiodof90daysfromthecover start date.

− Iftherepairinvolvesthereplacementofabodypanelorpartofabodypanel.

− Damagestoaccessories,doormouldings,windowmouldings,beading.

− Damage to carradios,soundequipmentorcartelephones.

− Damagetotyresandstickers.

− Depreciationinthecar’svaluebecauseofrepairs.

− Repairsthatweredonewithoutourwrittenpermission.

− RepairsoutsideSouthAfrica.

2.4 Special conditions

− Youmustreportdamagesaftereachincident.Youmaynotaccumulatedamages.

− Wewilltakealldamagestoyourcarintoaccountwhenwecalculatethecostofrepairs.Youmaynotselecttohaverepairsdoneononlycertaindamages.

− Youmustaskusforourpermissionbeforeanyrepairworkisdoneonyourcar.

− Youmustcheckanyrepairworkandletusknowimmediatelyifyouarenotsatisfied.

− Youdonothavetopayanyexcessonaclaim.