• Certificate of Fitness
  
• Certificate of Insurance \ Cover Note


• Receipt from Motor Car Dealer/Customs Entry Document


• Identification, e.g. National ID, Passport or Driver’s Licence

Reasons to insure your car:

• It is required by law.


• As the insured you have the security of knowing that you are protected when involved in an accident.


• Financial institutions require insurance covering loss and damage to the vehicle in order to secure a loan.

• Comprehensive


• Third Party Fire and Theft
• Third Party Liability (only).
• Act Liability (this provides the minimum coverage required by the Law).

Third Party Fire & Theft

This provides cover in respect of loss or damage to your vehicle caused by fire or theft. You are also covered in respect of your legal liability for damage to property, which belongs to others, and injuries caused to other persons (your third party liability). This cover is subject to the limits stated in the policy.

Third Party Only

You are covered in respect of your legal liability for damage to property, which belongs to others, and injuries caused to other persons. It does not cover damage to your vehicle. This cover is subject to the limits stated in the policy.


General Motor Policy Terms
 

Private Motor Vehicle

Private motor vehicles are typically cars or SUVs that are used for 'Social, Domestic and Pleasure' purposes only, or may include the insured's private business use.

Commercial Motor Vehicles

These are vehicles that are used for various types of commercial uses. They are not used for social, domestic and pleasure purposes only. Any type of vehicle that is used for the carriage of goods, whether 'own goods' also termed private commercial, or general cartage – carrying goods for others is considered a commercial vehicle. Examples of these vehicles are not limited to only pick ups and motor trucks. Taxies and Buses are other categories of commercial vehicle, and there are 'special type' commercial vehicles such as mobile cranes (including wreckers), ambulances, bulldozers and many others.

No Claim Bonus (NCD)

For each year of claim-free driving, the company gives you a discount off your premium. No Claim Discount percentage varies at each Insurance Company. Even if you are not at fault, once you have made a claim your NCD is likely to be affected, please speak with your Customer Service Representative for further details.

Excess

Excess represents a portion of any one claim that is borne by the insured in the event of an accidental collision. This is usually a fixed percentage based on the value of the insured's vehicle.

WHAT TO DO IN THE EVENT OF AN ACCIDENT

Request the documentation for the other party's vehicle. This includes:

• Insurance Certificate
• Registration Documents
• Driver's License
• Certificate of Fitness.

Please make a note if any of the documents have expired.

Gather all the information that you can about the other party involved (this will help us to settle your claim more efficiently).

In order that claims may be dealt with in a prompt and satisfactory manner, it is necessary that you notify us immediately after an accident has occurred.

DO NOT ADMIT LIABILITY, OFFER OR PROMISE PAYMENT OR ALLOW ANY PERSON TO DO SO ON YOUR BEHALF.

A report must be made to the police within twenty-four (24) hours. Try to obtain the names and/or numbers of the investigating police officer(s).

If the police are not available at the scene of the accident, take the measurements and have them agreed by the other party involved, or a competent witness. Take photos if possible.

In case the accident necessitates repairs to your vehicle it should be removed to a garage or arrangements made for its protection until you can contact us.