• The vehicle should not be older than 10 years to be covered.
  
• The vehicle’s retail value should be less than R1m at inception.
  
• The customer should have an underlying insurance policy that covers total loss.

We’ll cover the difference between the vehicle’s standard retail value at the start of the policy and standard retail value at the time of total loss.

We will not cover you for:

• Rejected claims - If your claim under your underlying total loss policy is rejected for whatever reason.
  
• Losses covered by the underlying total loss policy - Any loss for the vehicle covered by your underlying total loss policy.
  
• Amounts deducted from your underlying claim - Any excesses penalties or fees deducted from your underlying total loss policy insurance claim.
• Ex-gratia Claims - Any claim paid as an ex-gratia will not be considered a valid claim. This is a payment out of contract. Therefore, we will not deem an ex-gratia payment as a settled claim.

We will not cover you for:

• The insured must give us full details of the insured incident they are claiming for, within 30 days of becoming aware of such an incident.
  
• The customer must give us any information, proof, documents and co-operation that we need within 14 days of request.

Claiming with us is easy. Call us on 0860 10 95 71 to submit your claim. We will only pay out on valid claims after your underlying total loss vehicle policy claim has been settled for the insured vehicle.