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.
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