Auto and General Insurance

Off-road Vehicle - Comprehensive

Under this section you may claim for any accident damage to the vehicle, or if it is stolen. You may also claim for the damage you caused to other parties and their property.

The use of the vehicle

The type of use that you chose is stated on the schedule.

What you pay when you claim - the excess(es)

Every time something happens for which you claim, you must pay the basic excess. You must also pay any of the additional excesses on the schedule, on top of the basic excess.

We will indemnify you for: 

The vehicle 

The vehicle is comprehensively insured. We will indemnify you if it is damaged or stolen.

The most we will pay for the vehicle is its retail value. If the vehicle was stolen, we do not have to indemnify you for four weeks from the time you tell us about it. If the vehicle is financed, we must first pay the finance company. If parts for the vehicle are not available, and it delays the repairs, we will not indemnify you for the inconvenience or money you lose
or for any liability you may incur because of the delay.

Towing and storage 

The reasonable cost to store or to tow the vehicle to the closest repairer. You will be personally responsible for the cost of the towing and storage of your vehicle if you do not call the Auto & General Towline and use the approved towing operator we appoint.

Sound system 

The vehicle's sound system, but only if the schedule states that you are paying for cover.

Accessories 

The accessories fitted to the vehicle, excluding its sound system, are covered to a maximum of R10 000, unless the schedule states that you are paying for cover.

Keys 

The vehicle's keys if they are lost or damaged, and reprogramming of the vehicle's anti-theft system to a maximum of R3 000. The basic excess is R250 and no additional excesses will apply.

Spare wheel 

The vehicle's spare wheel if it is stolen. The basic excess is R500 and no additional excesses will apply.

Hail damage 

Hail damage, but only if the schedule states that you are paying for cover.

The canopy 

The canopy of the pick-up, but only if the schedule states that you are paying for cover.

Car hire 

While the vehicle is being repaired:

A hired car through our preferred supplier, up to the maximum stated on the schedule.

If the vehicle is stolen:

A hired car through our preferred supplier, up to the maximum stated on the schedule.

Car hire, as long as your claim is valid.

Medical costs 

If the vehicle is in an accident and any person in it is injured, we will pay up to R5 000 per incident towards the medical costs.

Other parties 

1. We will indemnify the other party on your behalf for damages, costs and expenses if the regular driver is legally responsible for an accident which caused damage to another party's property, or if a person died or was injured because of the accident. The accident must have been caused by or in connection with:
   • the vehicle on the policy, or
   • a vehicle, motorcycle, trailer or a caravan which was towed by the vehicle on the policy, or
   • a vehicle which is not on the policy, but which the regular driver personally drove, as long as he/she does not own it or have it under a hire or credit agreement. We are not responsible for the vehicle he/she drove.
2. We will also indemnify the other party for damages, costs and expenses caused by any person (excluding passengers) who drove or used the vehicle on the policy with the regular driver's permission, provided that the person will be subject to the terms and conditions of the policy. That person may also not have a claim against another policy.

The maximum we will pay under this section is R500 000 for fire and explosion and R1 000 000 for other damage. The amount stated on the schedule is the maximum for death and injury. These limits are per accident.

We do not indemnify you for: 

No licence, under the influence or endorsed licence 

If this vehicle or any other vehicle is being driven by the regular driver, or in the case of this vehicle, by any person who has the general consent of the regular driver to drive this vehicle, and if the driver: 

1. is not licensed to drive or drives while under the influence of alcohol or drugs, or while the percentage of alcohol in the driver's blood exceeds the legal limit or when the driver fails a breathalyser test, or
2. has an endorsed licence, whether the endorsement is displayed on the licence or is on record with the authorities, for negligent, reckless or drunken driving, or for driving while the percentage of alcohol in that person's blood exceeds the legal limit.

Vehicle not roadworthy

When the vehicle or the caravan or trailer that it tows is involved in an accident, and it is not in a roadworthy condition as is defined in the legislation relating to roadworthiness, or when the law or traffic regulations do not allow towing. 

Unauthorised use of a vehicle 

If someone uses the vehicle without your knowledge and consent and you have not laid a criminal charge against them with the police within 48 hours. You may also not withdraw the charge.

Vehicle used to earn an income or for racing 

If the vehicle is used to carry fare-paying passengers, or for hiring, driving instruction, racing or competition. 

Vehicle used in the motor trade 

When the vehicle is used in connection with the motor trade, unless it is in for service or repairs. 

Vehicle used in certain countries outside South Africa 

When the vehicle is used outside the Republic of South Africa, Kenya, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Zambia and Zimbabwe. We will not indemnify other parties on your behalf when the vehicle is used outside the Republic of South Africa. 

Accidental death or injury of a household member or employee 

If a member of your household dies or is injured in an accident or if a person who works for you dies or is injured while he/she is working.

Property in your possession and that of your household members 

For your property and the property of your household members, and other property that you and your household members have with them at the time of the accident.

Cover under the Road Accident Fund

For what will be paid for under the compulsory motor vehicle insurance legislation.