Personal Motor

This covers your company’s  motor vehicles a) motor cars, light delivery vehicles (bakkies) , 4X4 vehicles, microbuses and similar motor vehicles with a gross motor vehicle mass of 3500 kg or less and with seating for at the most 12 people including the driver b) motorbikes, scooters, golf carts, quad bikes or fork-lifts c) caravans and trailers (including permanent fixtures and fittings) that are designed to be towed by a towing motor vehicle that you or your company own or hire or lease under a financing or hire-purchase agreement. against theft or damage, including repair or replacement of the vehicle, plus third partySomeone other than you or your company noted in this policy wording, who is not employed by you. liability. It also covers you for damage that you may cause while using one of these vehicles.

You have a choice of cover: Comprehensive, Third Party Fire and Theft, or Third Party only.

If your vehicle is damaged more than 150km from the address stated on your declaration, we will pay for hotel or B&B accommodation while it is being repaired.

You also get these automatic additional benefits:

• Third party liability while you or a company employee are driving a motor vehicle not owned by you
• Other drivers of your vehicle
• Damage while towing
• Removing your motor vehicle after an accident and fire extinguishing charges
• Locks, keys and remotes
• Children’s car seats and modifications for disabled drivers
• Emergency accommodation
• Liability for unattached trailers
• Parking facilities and movement of third-party vehicles

Optional additional cover is available for hire purchase shortfall.

You can also get additional cover for car hire following theft or accident.

Should you select the Infiniti car hire option you will not be liable for any of the following costs:

• NO excess in the event of a claim
• NO contract fee
• NO fuel costs
• NO toll costs
• FREE delivery and collection within a 25km radius of a car rental branch

Here’s a handy List of Terms we use in Motor Insurance, with their explanations.

All cover is subject to the policy terms, conditions and exclusions as stated in the Policy Wording, which you can read here.

You can read the General Section and General provisions here

Please always refer to your policy wording as the final and definitive document that specifies the details of your cover, including what is not covered.

PERSONAL MOTOR TERMS

Motor vehicle

• motor cars, light delivery vehicles (bakkies), 4X4 vehicles, microbuses and similar motor vehicles with a gross motor vehicle mass of 3500kg or less and with seating for at the most 12 people including the driver
• motorbikes, scooters, golf carts, quad bikes or forklifts
• caravans and trailers (including permanent fixtures and fittings) that are designed to be towed by a towing motor vehicle that you or your company own or hire or lease under a financing or hire purchase agreement.

Retail value

The retail value in the Auto Dealers Guides prepared by Trans Union Auto Information Services for the month in which the loss or damage happened.

Third party

Someone other than you or your company noted in this policy wording that is not employed by you.

Written off

Means that your motor vehicle is damaged and the assessed cost of repairs is more than 70% of the current retail value including tax.