Other Benefits

1. EXTENSION COVER BEYOND POLICY LIMITS

i) Cover can be extended by additional premium to include
- Special cover for windscreen and window glasses,
- Personal accident cover to named person,
- Strike, riot and civil commotion,
- Third party property damage,
- Use of the motor vehicle beyond our geographical area
- Use of the motor vehicle for motor rally

 

2. PREMIUM DISCOUNTS

i) No Claim discount
In the event of no claim being made or arising under the policy during the preceding year of insurance the renewal premium shall be reduced in accordance with the following scale:
Commercial Vehicles Private cars
Comprehensive – one year - 10% of basic premium 20% of basic premium
Two consecutive years - 15% of basic premium 30% of basic premium
Three consecutive years - 20% of basic premium 40% of basic premium
Four consecutive years - 25% of basic premium 50% of basic premium
Five consecutive years - 30% of basic premium
Third party fire and theft - 15%
Third party cover - 10%
Motor cycles: 20% for comprehensive cover and 10% for Third party cover

ii) Fleet discount
If you insure with us:
Five vehicles – a discount of 5% and 10% if more than five vehicles.

iii) Restricted driving, Policyholder and or spouse, named driver and female drivers.
If driving of the car has been restricted to named driver, policyholder and or spouse only or female driver a discount of 5% of the basic premium is allowed
iv) Anti-theft/fire device discount
If the vehicle is equipped or fitted with multi-lock and/or burglary alarm or fire extinguisher a discount of 2% of basic premium is allowed.