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5 Reasons fleet maintenance is so important for your business


It makes business sense to have in place a regularly run fleet maintenance management system. It has a direct influence on how smoothly a business runs – and that ultimately impacts the bottom line.

Fleet maintenance is all about preserving the condition of the vehicles you use for business purposes. Keeping these assets in tip-top condition is an integral part of maintaining business processes.

A maintenance hiccup (unscheduled downtime) could result in interruptions that ultimately cost your business valuable time and money. Such losses impede the ability for growth, so having a smoothly run fleet maintenance plan stands to benefit the overall productivity of a business.

So, what does fleet maintenance entail?

A maintenance management system should factor in two key areas – a proactive and reactive approach:

Proactive: Preventative maintenance needs – By regularly checking the condition of business vehicles, the likelihood of ad-hoc repairs or breakdowns can be reduced. This helps to minimise the need for emergency expenditures, which can become costly.  Preventative maintenance can be conducted annually or according to vehicle mileage – whichever best serves a business’ purposes while keeping vehicles in good condition.

Reactive: Immediate / emergency maintenance needs – This helps to take care of problems as they arise. Having a plan to take care of immediate needs allows for necessary fixing to be done as needed so that the usual flow of work can be resumed within a short period of time. Having regular preventative maintenance can help reduce the frequency of emergency maintenance and save money over the long term

How regular fleet maintenance saves you in the long run

Fleet maintenance done well has the following benefits for a business:

Extends the lifespan of business vehicles

Proactive maintenance of the mechanical function of vehicles ensures that fewer breakdowns occur. This helps to reduce the need for repair downtime. The longer a vehicle is in for repair and not operating, the more opportunities are lost to conduct business and make money. Regular maintenance is like a health check for business vehicles – ensuring that they are always in roadworthy condition and perform as they are supposed to.

A well-maintained vehicle means that its lifespan can be extended and can better serve business objectives more often, without incurring additional, oftentimes unplanned, costs. Certain problems requiring attention can also be picked up early and repaired sooner. Preventative measures are thus a better investment for business, where money is spent productively without experiencing unnecessary losses.

Reduces operating costs

Vehicles that are well serviced and maintained are more roadworthy and thus, less likely to be involved in road accidents as a result of mechanical faults or electrical failure. This can quickly accumulate additional costs including vehicle repairs, legal expenses, productivity losses, medical care for staff or even property damage expenses and the cost of damaged products.

This, in turn, has an impact on car insurance cover as businesses with fewer claims can pay lower premiums and cover remains affordable for them.

Ensures the safety of drivers

It goes without saying that vehicles in good working order are in a safer condition to be driven. By ensuring that vehicles are in their best operational condition, risk for mechanical- or electrical-related accidents can be significantly reduced.

Maintenance checks ensure that things like tyres are always in good condition too, thereby avoiding blowouts while on the road. Steering and suspension problems can also be avoided with regular checks, and this can avoid unnecessary road accidents and keep drivers safe.  Such risks are, in essence, preventable.

Enhances business productivity

Interruptions to business operations means that requirements and objectives aren’t fulfilled as needed. Deliveries or appointments which may be missed or have to be rescheduled due to interruption can have an impact on the overall product or service delivery of a business.

Failure to fulfil these obligations due to interruptions which could have been better prevented can ultimately impact customer relations and brand reputation.

Retains customers

If a business develops a reputation for non-delivery of product or service expectations, this can have a negative impact on its customer base. If customers or suppliers begin to distrust a business, they could look to competitors for better service.

Customers can become the fall-out consequence of poor maintenance operations if a business’s focus is more consistently on “fixing what’s broken” than establishing growth and a favourable reputation within its respective market.


How to save more with proper maintenance

Maintaining business vehicles doesn’t come without a cost. The costs of replacing vehicle parts such as tyres can quickly add up. A proactive approach to vehicle maintenance minimises unnecessary business interruptions, but what if you could save on these costs of vehicle maintenance?

Speak to us about mechanical and electrical breakdown for your vehicles older than 3 years, thats a good starting point.

Article produced by Discovery Business Insurance


Claiming on home insurance is often a straightforward process, especially with smaller claims. However, if a claim is larger and more complicated, you’re going to need to put in a fair amount of effort in to be certain it turns out in the way you hope.

insurances naturally want to ensure a claim is fair and that the claimant has met the policy requirements. Depending on the nature of the claim this can be anything from meeting the minimum required standard of home maintenance to not being unduly careless with possessions when inside or away from the home.

When a claim involves larger sums, the insurer usually sends out a loss adjustor to make an assessment, so following procedures and getting together as much evidence as possible in support of a claim is crucial.

What to do, and what not to do


  • Check your insurance policy carefully before making a claim – This will help you avoid unnecessary disappointment and effort if you’re not actually covered for whatever has gone wrong. Check exclusions, claim limits and your excess level particularly carefully.
  • Contact your insurer as soon as possible – You should contact your insurer as soon as you possibly can after an incident has occurred. There are deadlines in most home cover policies for how long you have before a claim becomes void and can’t be made.
  • Have all your details to hand – Try and get together all the home insurance documentation you have when you contact your insurer, it will help avoid unnecessary delays and misunderstandings.
  • Take photographs – Photographs can provide some of the most powerful evidence in support of a claim. Whether you’ve had something stolen, or part (or maybe all!) of your home damaged, take plenty of photographs. And if you can also get your hands on photographs from before the incident, if relevant, it will give the insurer a clear comparison.
  • Keep receipts – If you have any emergency work done which can’t be avoided without first contacting your insurer, make sure you keep the receipts and invoices. Likewise, if you have items valued, keep the valuations in a safe place as they can act as both proof of ownership and a good reference for replacement value.
  • Be clear and don’t embellish – It might be tempting to embellish on what actually happened in the hope of strengthening your claim, and while you might not be lying as such, it would impact negatively on your claim if the insurer felt you were deliberately pushing for more than you’re perhaps due.
  • Contact the police if it’s a crime – If you’ve been robbed, or had your property damaged by malicious behaviour, you should contact the police immediately (again, delaying could negatively impact on a claim). You’ll be given a crime reference number which you need as part of any claim you subsequently make.


  • Accept a claim settlement if you’re not happy with it – Contact your insurer and ask how they arrived at the settlement. If you’re not happy with the outcome, write to the insurer and explain why you’re not happy with the offer, and what you want them to do. If they don’t make you a new offer, you should take it to the financial ombudsman.
  • Organise non-emergency repairs without checking with your insurer – If you organise repairs which couldn’t be considered ‘emergency’ in nature without first consulting with the insurer and getting their agreement, you risk invalidating any claim (e.g. a big hole in a supporting wall would be an ‘emergency’, but a hole in a ceiling might not be).
  • Dispose of damaged goods before the insurer has seen them and agreed it – It might be tempting to start clearing up and throwing away spoiled items as soon as you can, but these will probably form part of a claim, and an insurer needs to see the items first. Keep them somewhere safe until your insurer confirms you’re ok to throw them away.
  • Claim for small sums which spoil your no claims bonus – Some claims just aren’t worth making if they ruin your no claims bonus, or no claims discount as it is also called (this builds up over a number of years if you don’t make a claim). A claim might be for, say, £200, but this may be less than the no claims bonus is worth.
  • Claim for small sums which are less than your excess – It’s common sense really, but there’s no point making a claim if it’s for the same or less than the excess you have to pay (the ‘excess’ being the first part of any claim that the insured has to pay).

Gas installations should be safe for your Home, family & workers

All of us have probably at some point experienced load shedding and power failures, and having an alternative power source available can certainly make life easier.

It is exactly the unpredictability of a continuous electricity supply and the high cost thereof, that lead to people obtaining electricity from alternative power sources. As a result, the use of gas appliances, solar panels and generators in homes and on farms has become increasingly popular and has increased considerably over the past few years.

One of the cheaper options is the use of Liquefied Petroleum (LP) gas for heating and food preparation. While gas is generally a safe product to work with, it can pose a risk (just like any fuel) when used or installed incorrectly.


Gas incidents occur due to human error, such as incorrect use and faulty installation, as well as the lack of maintenance, which can result in explosions, fires and the inhalation of carbon monoxide.

Other possible causes of these LP gas risks include:

·       Poor pipelines and connections.

·       Damaged or rusted cylinders.

·       A cylinder too close to a heat source, and

·       Cylinders that are stored incorrectly.

If gas does not burn properly or is used in an area without adequate ventilation, it produces excess carbon monoxide. When inhaled, oxygen is reduced in the blood and this can lead to dizziness, headaches, nausea, chest and abdominal pain, unconsciousness, and in extreme cases, even death.

That is why it is very important to be aware of these dangers, as well as the legislation and regulations that apply to fixed gas installations, such as a built-in gas stove, hot water system, gas fireplaces and gas burners etc.

Applicable law

The specific legislation regulating gas installations is contained in the Occupational Health and Safety Act of 1993 (as amended).

Certificate of conformity (CoC)

Since October 2009, it has been mandatory for a certificate of conformity (CoC) to be issued for fixed gas installations by an authorised person registered with the Liquefied Petroleum Gas Safety Association of South Africa (LPGAS) as a gas practitioner for the specific gas installation.

The certificate confirms that the gas installation complies with the requirements of the legislation and meets the necessary South African National Standards (SANS) regulations, and is, therefore, safe.

The South African Gas Qualification and Certification Committee (SAQCCGas) is authorised to register gas practitioners as competent within a specific scope of work.

Possible implications

An LP gas installation without a valid certificate will make the installation illegal and possibly unsafe, and can lead to serious consequences, especially in the event of injuries or death.

If a fire or explosion should occur due to a gas leak, incorrect/faulty installation or maintenance, and there is no up-to-date conformity certificate available, your insurance company may also repudiate your claim.

Be proactive

Protect yourself, your family, workers and visitors by being proactive and make sure you comply.

For further information or assistance pertaining to Gas installations please visit our website

This article is intended to provide information and not any advice or legal advice. Written by Liza De Beer Old Mutual Insure


Latest hijacking trends: Motorists warned about ‘ATM’ method

Since June, a significant trend has emerged in hijacking incidents, where criminals essentially try to 'double-up' on their illegal activity.

Although hijacking isn’t a crime that is unique to South Africa, it’s prevalence in this country has made it an important part of the national discourse. Motor vehicle crime may have decreased during lockdown, but a loosening of restrictions has invited the crooks back onto our streets – and a new ‘trend’ is emerging.

Anti-crime advocate Yusuf Abramjee has made a name for himself in the world of law enforcement. According to the activist, a recent spate of hijackings suggests that these opportunistic thugs are no longer satisfied with just stealing the motor and any personal possessions. But rather, they are now taking victims to ATM machines, adding to their criminal rap sheets.


Once the targets have been driven to the nearest cash point, they are being forced to take cash out of their bank and hand it over to the robbers. Although this isn’t strictly a new ‘method’, the trend itself has spiked since June, putting authorities and motorists on high alert. Abramjee told Pretoria Rekord:

“We are observing dramatic increases in hijackings and motor-vehicle theft – criminal syndicates are at work. We’re also seeing more hijackers taking victims as hostages and forcing them to withdraw cash from ATMs before freeing them.”

“This is extremely concerning and it is bound to get worse. Our unemployment rates are soaring due to the effect that the lockdown has had on our economy and criminals are getting desperate.”


All vehicle owners are being implored to keep valuables out of sight when parked, ensure that their doors are locked even while in transit, and avoid stopping at the side of the road for long periods. Motorists must stay vigilant at all times, and in the month of July, we’ve seen hijackings reach new extremes:

§  Driveway carjackings surged, as criminals adapted to the new “work from home” culture created by lockdown.

§  A pair of criminal suspects hijacked a van carrying COVID-19 samples, causing a testing backlog in PE.

§  And, just this week, another hijacking attempt at a petrol station was recorded.

Visit our website for more details


Article courtesy of The South African on-line

Validity of Licenses pertaining to vehicles following lock down

We have received numerous questions relating to the “validity” of licenses pertaining to vehicles during the “lock down” period and how claims are being dealt with.


Regulation 6 [Validity period of licences] of Notice 544 of Government Gazette 43339 of 20 May 2020 [Extending the validity of learners’ licences, driving licences, licence discs, professional driving permits, and registrations of motor vehicles] has been amended, as follows:


1)     All learner’s licences, driving licence cards, temporary driving licences and professional driving permits that expire during 26 March 2020 up to 31 August 2020 are deemed to be valid and their validity period is extended for a further grace period ending on 31 January 2021.


2)     All motor vehicle licence discs, temporary permits and roadworthy certificates that expired during 26 March 2020 until 31 May 2020 are deemed to be valid and their validity period is extended for a further grace period ending on 31 August 2020.


3)     Motor trade number licences that expired during 26 March 2020 until 31 May 2020 are deemed to be valid and are extended for a further grace period ending on 30 November 2020.

These extensions have been signed off by the Minister of Transport, Fikile Mbalula and Gazetted on 22 July 2020.


All motor claims will be dealt within the scope provided above and will not be delayed due the “expiry” of mentioned licenses.

We trust that this will clarify the uncertainties regarding the renewal process of the various licenses mentioned above and the claims handling process.


If you have any questions feel free to visit our website
A copy of the gazette is also available on request.

Article courtesy of our Business partners,  Brolink Administrators


Hand sanitiser poses new risk to retailers

RETAILERS could potentially face a new surge of class actions and personal injury claims for negligence regarding the use of harmful products. This follows the news that some South Africans have reported developing a rash after exposure to hand sanitiser dispensed at store entrances.

Even though it is debatable whether retailers will be held legally accountable for allergic reactions to hand sanitisers, retailers should act cautiously and ensure they have adequate cover in place.

Government issued a directive requiring all stores to comply by ensuring that they have hand sanitisers available, with the only requirement being that they should be 70% alcohol based. Retailers had to be compliant by order of law, and may not have had enough time to conduct thorough testing. Scientific study will likely show that in any control group, a percentage of people could expect adverse reactions to any product. The question is whether stores can be held legally accountable if, for example, one out of every 10 000 people has a non-lethal reaction. Should the risk of averting Covid-19 enjoy priority over general consumer safety?

It will be interesting to see whether the court ultimately believes that the Consumer Protection Act applies in these cases, as no money was exchanged for goods purchased as the sanitiser was applied as a pre-requisite to entering the store.

Nevertheless, even if retailers are not held legally accountable for injury or damages in this regard, they are at risk of losing substantial amounts of money if they are not adequately insured against personal injury claims. For a claimant to successfully sue a retailer, they would be required to prove that the harm caused was a direct or indirect result of the harmful product supplied by the store. While the court’s judgement may ultimately be in favour of the retailer, the legal fees that one incurs while defending such claims, can have a significant impact on a business.

The likelihood of being sued by a consumer is high, even if most cases are frivolous. “SHA’s own statistics show that the intimated values for personal injury claims against businesses have grown by at least 56% in a space of two years. The frequency of claims has also increased exponentially. Adding to that, the cost of adequate legal defence has gone up by between 8% and 10% annually in recent years. Considering that liability cases routinely take three to five years to reach settlement, the inflationary effect of legal fees will definitely be felt.

In light of this, retailers must take the necessary precautions to manage potential liability risks related to their use of hand sanitisers. “Retailers can start by putting up large visible disclaimers warning customers about any potential adverse effects of hand sanitisers – specifically indemnifying themselves from liability. They should further stipulate that while customers are required to be sanitised, they may decline to do so if they have their own sanitiser, and apply it before entry under supervision of the store. Retailers must also ensure that the products they use on consumers are approved as medically safe. In short, retailers should act in a way that a “reasonable retailer” would, and apply the necessary precautions.

For any advice or assistance regarding public Liability cover phone 031-5021922 or leave your details on our website

Cape Business news –supplied by SHA Specialist Underwriters


Dogs have evolved into more than just a man’s best friend, they are our loyal companions and our trusted protectors. But how do we protect them? We have seen dog poisonings become more and more prevalent during housebreakings and we want to make sure that you know how you could save your dog’s life if he or she is poisoned.

The ease with which robbers can feed your dog a poisoned piece of meat makes it exceptionally difficult to avoid and prevent poisoning altogether. Apart from training your dog not to eat from a stranger or nibble on something they found thrown onto the property, which would defy their natural instincts, poison prevention for your pet is quite grim. This is why we want to equip you with the following information centered around saving your dog’s life should you be able to determine that they ingested poison.

Know the Symptoms

When you know your dog well, it is easy to know when something is wrong. A poisoned puppy could display any of the following symptoms so look out for these when you notice any unusual behaviour:

·         Vomiting

·         Diarrhea

·         Seizures

·         Blood in the stool

·         Lethargy

·         Loss of appetite

·         Bruising

·         Nosebleeds

·         Irregular heartbeat

·         Inability to urinate

If your dog indicates any of the above symptoms, then you need to consult a vet immediately. Do not, under any circumstances, try to treat your dog with a home remedy or try to induce vomiting. Rather wait for instructions from your vet or drive your dog through to the emergency room as soon as possible. Take great care to transport them carefully to avoid further stress and anxiety, which could cause your dog’s state to deteriorate further.

Scan your surroundings

You will need to make sure that the remains of the poison are removed from your yard, or anywhere within your dog’s reach. This will help prevent your pet from consuming the dangerous substance again when they are back home or if you have other pets in the yard. Look for odd food items such as meat or bread that would be thrown over your gate or walls.

If you do find any samples of the poison, then take it to the vet’s clinic. This will help the vet identify the poison faster and be able to treat your pet more effectively.

There is also a chance that your dog may have ingested a substance from within the house. You should also explore your home to check if your dog consumed any pills or detergents that may be causing these symptoms.

Have All Relevant Information Handy

In an emergency, you may need to take your dog to a vet that you have never seen before. This means that they do not have all your pet’s information on file. It is handy to keep a separate record of your dog’s details so you can provide specific information in an emergency situation. These details include:

·         The substance that your pet ingested (if you have any knowledge of the substance)

·         If known, the quantity that he/she consumed

·         Time of the first sign of symptoms

·         Age

·         Breed

·         Weight

·         Vaccination history

·         Names of all current medication

As much as we hope that we would never be placed in a situation like this, a responsible pet owner should always have a 24/7 veterinary doctor’s contact details to call in case of an emergency. To help you out, if you do not already have this information available, have a look at some of our suggested 24/7 veterinary clinics below for Kwa Zulu Natal .

Westville Veterinary Hospital
Contact number: 031 267 8000
Address: 31 Jan Hofmeyr Rd, Westville

Hillcrest Veterinary Hospital
Contact number: 031 765 3221
Address: Chube House, 32 Old Main Rd, Hillcrest

Ashburne Veterinary Clinic
Contact number: 031 562 1037
Address: 32 Burne Cres, Glen Ashley, Durban North

Apart from keeping our beloved pets safe from poisoning, we also need to protect them from being stolen. Read more on how to keep your faithful friend safe from dognappers.

For more information of assistance regarding this information please visit our website -

We would like to thank  Blue Security allowing us to share this  information with our communities. 



Car Buyers beware: Cutting insurance costs could backfire

Including insurance costs in car-buying calculations means peace of mind


Rational thought often vanishes when a car lover examines a gleaming vehicle. A part of his or her brain will say “you are getting in too deep, it costs too much”. Unfortunately, many will give in to the voice that looks at the monthly installment and says “you can handle it”.

Buyer’s remorse soon follows as the costs of insurance, maintenance and fuel are added to the monthly payment. The solution is usually to save money by compromising on insurance.

Cutting back on insurance brings instant relief to a hard-pressed wallet. As with most actions, it does have consequences, and some of the results can be catastrophic.


The most dangerous action of all is to have a knee-jerk reaction and cancel the policy. It’s best at this point to remember that cars bought on installment sale in South Africa have to be insured. 

If you are a high-stakes gambler who thinks that the risk is minimal because you are a good driver just be prepared to live with the unforeseen costs.

“They include paying all your expenses, and an insurance company suing you to recover the money spent on repairing a client’s car that you may have collided with.”

Of course, also to be considered is that your car could be damaged beyond repair. Without insurance, there will also still be installments to be paid. It’s a guaranteed balance sheet breaker.

What is most concerning in these times, is buyers who take compulsory insurance so that a car’s sale paperwork all looks fine and then cancels the policy a month or so later. As many finance houses run checks on insurance during the year, protection is purchased again, only to be cancelled a little later.  The results can be the same as not having insurance at all.


The time to begin thinking about insurance payments is when you buy the car. As a consumer, you are not obliged to take a policy offered to you by a seller or finance house. Delaying the delivery of the dream wheels by a day or two allows you to shop around or ask a broker to do the homework for you.

Opting for a lower premium by agreeing to an increase in the excess payment,” is always an option. The problem is that the lower the premium, the higher the excess.

It’s one thing to have an excess bumped up from, say, R2 500 to R5 000 if you can afford it. Let it go too high and personal budgets and hard-won savings can go out the window very quickly,

The way is always open for a driver with only third-party cover to claim for repairs from another driver if that driver is comprehensively insured. The element of blame has to be proved, however, and can take some time while you sit without transport.

“Times are tough, but having a car insured is a ‘must-have’. Rather than expose yourself to unnecessary risk, approach your broker to see what can be done to reduce premiums, or shop around yourself. While doing so, remember that all policies are not created equal.

Cheap insurance isn’t necessarily good insurance. Read those T’s and C’s, or get your broker to advise you.
Always remember, you get what you pay for, if its cheap, there is a reason for that

For any assistance or advice please feel free to leave your details on our website

Published in The South African
written by Charles Skinner

POPI Act (Protection of personal information) unpacked - What you need to know

After years of start and stops – virtually all the operational provisions of the Protection of Personal Information Act 4 of 2013 (POPIA) finally came into force on 1 July 2020.

All businesses and public bodies will be affected. This development impacts every public and private body in South Africa. The infographic below provides an overview of the instances in which POPIA will apply to processing activities and the obligations which come with POPIA. There is a 12-month grace period - until 30 June 2021 by which to comply with the comprehensive requirements set out in POPIA and non-compliance can result in significant penalties - up to 10  years' imprisonment and/or ZAR10 million in administrative fines. 

POPI’s reach is wide – it regulates all organisations who process personal information, - information about employees, customers, suppliers and those who outsource key processing activities, share data offshore, or engage in direct marketing.

What is personal information (as defined in section 1 of the Act)
* private details: Race, gender, sex, pregnancy, marital status, nationality, ethnicity, social origin, colour, sexual orientation, physical health, mental health, disability, religion, conscience, belief, culture, language and birth.

* History of a person: Employment, medical, financial, criminal

* numbers and addresses: E-mail address, telephone number, address, and other identifying number.

* Biometric information: Blood Type, fingerprints, or other such identifying information

* Outlook: Views, opinions or preferences.

* Correspondence: Explicitly private or confidential correspondence or further correspondence that reveal origin of original correspondence.

* Views: Views and opinions of a person about another person

* Names: The name of a person that, if it is revealed with personal information.

Legislation requiring collation and processing of personal information:
King IV - ICT compliance.

Article courtesy of Webber Wentzel as published in Polity on line


Credit Shortfall insurance, also known as Top-Up, is a finance shortfall policy.
You can add it to your existing comprehensive policy as an optional extension or opt to select it as a stand alone policy.
You may claim under the policy, if the amount paid out under your comprehensive short-term insurance policy is less than the amount you still owe to your financier after the total loss of your vehicle.
(i.e. your vehicle is stolen and not recovered, or uneconomical to repair and is written off)

You can upgrade your auto Top-Up with deposit Protector if you wish.
With this upgrade, the Insurer will pay either the deposit paid (at the time of purchasing the vehicle) or 10% of the sum insured value of the vehicle at the time of the claim, whichever is the lessor.
Remember that you can only claim if your vehicle is stolen and not recovered, or is uneconomical to repair and it written off.
(i.e. Trading in your vehicle does not qualify in terms of the cover provided)

What makes up your Auto Top-Up policy of Insurance?
The schedule, terms and conditions and the policy wording, together with any correspondence sent to you, as well as any verbal agreements made by the Insurer (and recorded), from your policy of insurance.
please ensure that you are familiar with the contents of all the documents and that all the details noted on the schedule are correct in every respect.

Your auto Top-Up policy gives you monthly cover and your premium is deducted in advance on the date stated on your schedule.
If in the month following the activation of your policy (and onwards) we do not receive your premium on the due deduction date, you will be allowed a 15- day period of grace in which to pay your premium. if we still do not receive your premium after these 15 days, you will not have cover for that month.

Your Obligations:
1) To have a valid, supporting and fully comprehensive motor insurance policy for the same vehicle covered by this policy
2) To ensure that your supporting and fully comprehensive motor insurance policy remains active and that its premium is paid
3) Your vehicle must be financed by a recognised finance house (not a private loan).
4) To ensure that the vehicle covered by the supporting, fully comprehensive motor policy is insured for its retail value
5) To adhere to the terms and conditions of your supporting , fully comprehensive motor insurance policy
6) Incorrect information, or non-disclosure or misrepresentation of information, may influence the the Insurer on any claims arising from your contract of insurance and may influence the decision to provide the benefits in terms of your policy, or accept to terminate your policy
7) To not admit any fault, nor make any offer of/or settlement, without the Insurers written agreement
8) To inform the Insurer if any of the policy details or declarations are incorrect or if any of these details or declarations change
9) Pay over any money due to your finance institution if any payment is made to you directly in connection with the claim against your supporting , fully comprehensive motor insurance policy
10) Inform your Insurer if your vehicle is sold, paid off with your financier or written off for any reason.

Visit our website, should you need any assistance or advice regarding this article.