Chips

A chipped area on the vehicle that is not bigger than 3mm in diameter.

Minor Dents

A dented area on the vehicle that is not bigger than 15cm.

Light Scratches

A scratched area on the vehicle where the scratch is not longer than 15cm in length and does not extend over 2 more body panels next to each other.

• damage that cannot be defined as 'light scratch', 'chip' or 'minor dent'
• damage caused by hail
• damage that was incurred before this policy commenced (pre-existing damage)
• accumulated damage (claim per incident)
• damage caused to stickers or decals
• damage to beading or moulding
• claims that exceed the maximum compensation amount of R1 500 incl vate (per visit) less the excess of R250
• damage that involves accessories, door mouldings, window mouldings, lamps of any sort or any window panel
• damage as a result of rust
• repair of any body panel or part of a panel that has been ripped or torn
• replacement of any body panel or part of a panel
• liability to other parties
• consequential loss or damage
• damage or loss caused by nuclear substances or activity
• damage caused by war,civil commotion, labour disturbances, riot, strike, lockout or public disorder
• damage caused by any form or terrorism

If you do not fulfil all of the following obligations, cover may be cancelled.

• use all reasonable care to maintain the vehicle in an efficient, roadworthy condition and to take all reasonable precautions to prevent or minimise loss or damage
• give us true and complete information
• agree to comply with our reasonable requests
• follow the prescribed claims procedure as explained in this document by our claims staff
• inform us if any of the details or declarations on your schedule are incorrect or change
• tell us about anything that you have not yet disclosed, but that may be important for us to know in order to accept your policy
• tell us about anything that changes that may be important for us to continue acception your policy
• make representations to us about our decision within 90 days after we inform you of our decision on a claim.