Help us to serve you better, by taking your time to read through the conditions below and following them:-

• Your policy cannot be cancelled by the insured and cannot be transferred to another vehicle.

• Your Policy has no cancellation value. The Company shall not return any premium to the insured in the event that this policy is invalidated or if cover be no longer required.

• Subject to the Company's approval, this policy may only be transferred with the vehicle to a new PRIVATE OWNER who is not directly engaged in the business of motor vehicle manufacturer, supply or sales. Application must be made at the time of change of ownership and the additional premium paid to the company (returnable if transfer not accepted).

• The company reserves the right to specify the use of guaranteed (for 6 months), reconditioned or exchange components when appropriate. If the insured insists upon the use of new components on a vehicle more than 12 months old, then he may be requested to pay the difference in cost between a new and used component. Conversely, if it is impossible to obtain a used component for a vehicle over 12 months old, the Company will pay for necessary new component(s) without seeking any difference in cost from the insured.

• No repairs may be undertaken or commenced under the terms of the policy without informing the Company at least verbally. An authorized repairer must carry out all repairs. All claims must be supported with the relevant documentation. The Company reserves the right to examine the vehicle and subject it to independent assessment. The result of the assessment will determine the insured liability subject to the Maximum claim liability. The insured is also allowed the right to appoint his / her own independent assessor / arbitrator.

• If, after the vehicle has been presented for repair and in respect thereof has been dismantled in part or in full, it is discovered that the fault is not covered or is specifically excluded by this policy, the insured shall be liable to pay to the authorized repairer the cost of such dismantling and the costs of any repairs authorized by or carried out on behalf of the insured.

• The vehicle must be regularly serviced at the correct time(s) and kilometer intervals as recommended by the relevant manufacturer. Failure to service the vehicle according to such recommendations will render the Policy voidable.

• If the insured makes a claim, knowing the claim to be false and / or fraudulent as regards the value or the amount of work or otherwise, this policy shall be deemed to be voidable and the right to prosecute is reserved by the Company.

• The terms and conditions of your Policy cannot be altered or amended by any person except by specific written endorsement by the Company.