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Luxi

CONTENTS
- Foreword 02
- Insurance Statement 02
- 1. Vehicles which are Eligible 02
- 2. Period of Insurance 03
- 3. Policy Benefits 03
- 4. Limits of Liability 03
- 5. Components and Parts Covered 03
- 6. Additional Policy Benefits 05
- 7. Exclusions and Items not Covered by this Policy 06
- 8. Bidvest Insurance Responsibilities 08
- 9. Conditions 08
- 10. Arbitration 08
- 11. Owners Responsibilities 08
- 12. How to Make a Claim 09
- Important Notice 09
- Service Records 11

Underwritten by BIDVEST INSURANCE LIMITED

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FOREWORD
This document provides you with comprehensive details of the Bidvest Insurance Mechanical/Electrical Breakdown and Additional Policy Benefits.
The cover provides for parts, labour and additional benefits. The cover is subject to the terms and conditions of this policy, which is underwritten by Bidvest
Insurance Limited. This policy is in force upon receipt of the premium by the authorised agent of Bidvest Insurance Limited. Cover in respect of the policy
benefits for both the “Roadside and Medical Assistance Service Programme” and the “Mechanical/Electrical Breakdown” benefits, commences upon receipt of
the premium by the authorised agent of Bidvest Insurance Limited. The policy benefits become effective from the date referred to above and runs for a period
of two years or the prescribed additional kilometre distance, (whichever occurs first), as specified on the Schedule of Insurance.
Please note that IUA Business Solutions (Pty) Ltd has been appointed by Bidvest Insurance Ltd as the Administrator of this policy and to settle claims on
its behalf. This booklet provides important information and we ask that you read it carefully. Should you have any queries, further information can be obtained
from the Administrator by calling 086 1272 777.
It is important for you to ensure that the details concerning the insured and the vehicle are correct on the Schedule of Insurance. The schedule must be kept safe
together with this booklet. In the event of any details being incorrect or incomplete, you must contact Bidvest Insurance Limited, either by phone or facsimile and advise
them of any amendments that are necessary.
Failure to correct the details could prejudice future claims.
We recommend you retain this policy in your vehicle, thereby having the necessary schedule of insurance, service requirements and conditions of cover
conveniently available when required.

INSURANCE STATEMENT
Bidvest Insurance Limited
Reg. No. 1997/019461/06
2nd Floor Lincoln on the Lake, 2 The High Street, Umhlanga Ridge, 4319
PO Box 25038, Gateway, 4321
Tel: 0861 88 88 61 | Fax: 0866 85 95 05
In consideration of BIDVEST INSURANCE LIMITED (hereinafter called Bidvest Insurance), having received the premium paid by the Insured, Bidvest Insurance
will pay compensation as stated in the policy, which will be in respect of the DEFINED EVENTS occurring during the period of insurance.
Please refer to “How to make a claim” as payments will be subject to the terms and conditions herein or endorsed hereon.
Bidvest Insurance will be deemed to have accepted the application for cover in terms of the Schedule of Insurance upon receipt of the premium by the authorised
agent of Bidvest Insurance.
Notwithstanding the above, Bidvest Insurance reserves the right to accept or decline all policies.

Signed on behalf of the Company


MS PATON
Managing Director

1. VEHICLES WHICH ARE ELIGIBLE


This policy shall apply to passenger and light commercial vehicles, petrol or diesel, with a gross vehicle mass not exceeding 3 500 kg; provided that in
every instance –
1.1. the vehicle is sold by a Bidvest Insurance Approved dealer;
1.2. the vehicle is no older than 8 years since the date of first registration;
1.3. the vehicle has not exceeded a distance of 160 000 kilometres at the date of purchase by the insured;
1.4. the vehicle has not been altered or modified (including any modification that alters the Manufacturers Original Technical Specifications of the vehicle);
1.5. the vehicle has not been imported unless originally sold by an officially appointed franchise holder of the manufacturing company and having been
approved by Bidvest Insurance Limited;
1.6. the vehicle is not used for racing or rallying.

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2. PERIOD OF INSURANCE
2.1. Roadside and Medical Assistance: Cover in respect of the policy benefits for Roadside and Medical Assistance commences upon receipt of the
premium by the authorised agent of Bidvest Insurance and runs from this date for a period of two years or the prescribed additional kilometre distance,
(whichever occurs first), as specified on the Schedule of Insurance.
2.2. Mechanical/Electrical Breakdown: Cover in respect of the policy benefits for Mechanical/Electrical Breakdown commences upon receipt of the
premium by the authorised agent of Bidvest Insurance and runs from this date for a period of two years or the prescribed additional kilometre distance,
(whichever occurs first), as specified on the Schedule of Insurance.
This policy will apply to the original purchaser only and is not transferable.

3. POLICY BENEFITS
For the duration of the insurance period as specified on the Schedule of Insurance, Bidvest Insurance will repair or replace the insured components and
parts of the insured vehicle (as defined), which have failed as a result of a mechanical or electrical breakdown.
The term “breakdown” is deemed to mean the sudden and unforeseen actual breaking or shorting-out of any of the covered mechanical or electrical
components or parts listed, arising from mechanical or electrical defect, causing sudden stoppage of their functions, necessitating repair or replacement.
These covered components and parts are specified under sub-paragraphs 5.1 to 5.18 below and Bidvest Insurance will pay the cost of making good such
failure including labour and replacement parts, subject to the limits of liability as specified.
The cost of labour and replacement parts necessary to carry out the repairs will be paid in accordance with rates set out in the current flat-rate manual
and the part’s list price as published by the respective Manufacturers or the Motor Industries Federation.
Authority for the repair must be received from Bidvest Insurance, prior to commencement.
The component or part must be installed or repaired by either your Selling dealer, a Bidvest Insurance Approved dealer or a Manufacturer’s Franchise
dealer or a repairer who is a registered member of the Retail Motor Industry Organisation.
This policy does not include cover for servicing costs and the specified exclusions listed elsewhere in this policy booklet.
These policy benefits are only valid within the area of South Africa, Namibia, Lesotho, Swaziland and Botswana.
N.B: Failures that occur within the first 30 days, following the purchase of the insured vehicle, will not be covered by this policy and should be referred to
the Selling dealer.

4. LIMITS OF LIABILITY
4.1. The liability limit in respect of any one claim for repairs covered under this policy, will be limited to the cost of repair or replacement of the defective
part, including installation costs, which shall not exceed the maximum amount of R10 000*.
4.2. This liability limit shall not exceed the maximum applicable amounts of either R10 000*, R8 250* or R7 500*, as indicated under Components and
Parts Covered.
4.3. Any number of failures that occur at the same time shall be treated as one claim and in this instance the liability limit will not exceed the amount
of R10 000*.
4.4. The maximum limit of indemnity for all claims under the policy for any one period of insurance is R15 000*.
4.5. Limit of indemnity for roadside assistance is R5 000 per annum.
*N.B. If you have selected the Double Cover Option (as indicated on the Schedule of Insurance) then the Limits of Liability (as indicated by
an * ) will be doubled.

5. COMPONENTS AND PARTS COVERED


5.1. Engine Components: All internal lubricated parts, including pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and rod
bearings, thrust washers, camshaft and bearings, chains, tensioners and gears, rocker arms, valves, valve springs, valve cotters, valve spring retainers,
valve guides and seats, push rods, cam followers, hydraulic lifters, and oil pump.
N.B: Engine block, cylinder bores and cylinder head(s) are only covered, in the event of damage occurring, as a direct result of a failure of the above
covered parts.
LIMIT OF LIABILITY: R10 000*
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5.2. Manual Transmission: All internal lubricated parts, including gears, shafts, synchro hubs and rings, bearings, bushes, internal shift selectors and
transfer box where fitted.
N.B: Transmission is only covered in the event of damage occurring as a direct result of a failure of a covered manual transmission/transfer box part.
LIMIT OF LIABILITY: R8 250*
5.3. Automatic Transmission: All internal lubricated parts, including torque converter, gears, clutches, brake bands, drums, servos, vacuum modulator,
solenoids, bearings, bushes, oil pump, shafts, valve body and transfer box where fitted.
N.B: Transmission case is only covered in the event of damage occurring as a direct result of a failure of a covered automatic transmission/transfer
box part.
LIMIT OF LIABILITY: R8 250*
5.4. Differential (front, rear, for four wheel and rear wheel drive): All internal lubricated parts, including crown wheel and pinion, pinion bearings, spider
gears, thrust washers, pins, carrier housing and carrier bearings.
N.B: Drive axle housing and drive shafts are only covered in the event of damage occurring as a direct result of a failure of a covered differential part.
LIMIT OF LIABILITY: R8 250*
5.5. Trans-axle: All internal lubricated parts, including gears, shafts, synchro hubs and rings, bearings, bushes, internal shift selectors, crown wheel and
pinion, pinion bearings, spider gears, thrust washers, carrier housing, carrier bearings and transfer box where fitted.
N.B: Trans-axle case is only covered in the event of damage occurring as a direct result of a failure of a covered transaxle/transfer box or axle part.
LIMIT OF LIABILITY: R8 250*
5.6. Propeller Shaft Components: Universal joints, front yoke and centre support bearing.
LIMIT OF LIABILITY: R7 500*
*N.B. If you have selected the Double Cover Option (as indicated on the Schedule of Insurance) then the Limits of Liability (as indicated by
an * ) will be doubled.
5.7. Drive Shafts: All internal lubricated parts of the constant velocity joints and universal joints.
N.B: Provided the C.V. boot is intact, the liability benefit in terms of the policy will be limited to half of the repair cost, or half of the limit of liability (whichever
is the lesser).
LIMIT OF LIABILITY: R7 500*
5.8. Suspension Components (front and rear): Upper and lower control arms, control arm shafts and torsion/stabilizer bars.
LIMIT OF LIABILITY: R7 500*
5.9. Brake Components: Master cylinder, wheel cylinders, calipers, servo unit, anti-lock braking system activator and vacuum pump where fitted.
N.B: The liability benefit in terms of the policy will be limited to half of the repair cost, or half of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*
5.10. Steering Components: All internal lubricated parts of the steering rack and pinion or steering box, power steering pump.
N.B: Steering gear housings and pump housings are only covered in the event of damage occurring as a direct result of the failure of a covered
steering part.
LIMIT OF LIABILITY: R7 500*
5.11. Fuel System: Mechanical and electrical fuel pumps, petrol fuel injection pump, diesel fuel injection pump, diesel fuel lift pump, air-flow meter, warm
up regulator, fuel accumulator.
LIMIT OF LIABILITY: R7 500*
5.12. Cooling System: Radiator (engine cooling), water pump, welsh plugs, thermoswitch and thermostat.
N.B: Should it be necessary to either re-core or replace the radiator, the liability benefit for this component will be limited to half of the repair cost or half
of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*
5.13. Electronic Components: Internal failure of alternator, starter motor, front and rear windscreen wiper motors.
LIMIT OF LIABILITY: R7 500*
5.14. Electronic Ignition: Module amplifier, trigger unit and ignition coil.
LIMIT OF LIABILITY: R7 500*
5.15. Electronic Computer Components: Engine management control unit.
N.B: The liability benefit for this component will be limited to half of the repair cost or half of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*
5.16. Air Conditioner: Internal components of compressor pump, compressor electro-magnetic clutch assembly.
N.B: The liability benefit for this component will be limited to half of the repair cost or half of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*

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5.17. Wheel Bearings: Front and rear.
N.B: The liability benefit for this component will be limited to half of the repair cost or half of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*
5.18. Turbo Charger/Air Pump: Turbo charger unit (original equipment only).
N.B: The liability benefit for this component will be limited to half of the repair cost or half of the limit of liability (whichever is the lesser).
LIMIT OF LIABILITY: R7 500*
*N.B. If you have selected the Double Cover Option (as indicated on the Schedule of Insurance) then the Limits of Liability (as indicated by
an * ) will be doubled.

6. ADDITIONAL POLICY BENEFITS


6.1. OVERHEATING
Where “engine failure” is attributed due to overheating occurring as a direct result of a covered component or part, the liability benefit in terms of the policy
for the resultant engine damage will be limited to half the repair cost or half of the limit of liability (whichever is the lesser).
6.2. TIMING BELT
Where “engine failure” is attributed due to breakage of the timing belt, which is subject to the timing belt having been serviced/replaced as per the
manufacturer’s requirements, the liability benefit in terms of the policy for the resultant engine damage will be limited to half the repair cost or half of the
limit of liability (whichever is the lesser).
6.3. ROADSIDE POLICY BENEFITS
All assistance is rendered subject to the terms and conditions of the service provider.
All roadside policy benefits are limited to within the borders of the Republic of South Africa. Should you require assistance outside of these borders the service
provider will assist you, however, you will be responsible for all costs.
Roadside Assistance commences from the date of purchase of the Bidvest Insurance Policy and in the event of a breakdown the service provider will
arrange and pay for:
a) Towing to the nearest Bidvest Insurance Approved dealer or competent repairer; (Towing benefit is limited to a maximum of R1000 per claim).
N.B: Any additional towing costs will be for the policy holders account;
b) Relay of messages to family or business associates;
c) Roadside assistance.
Changing of flat tyres.
Assistance in the event of a flat battery.
Locksmith to retrieve keys locked in vehicle.
Delivery of fuel in the event of your vehicle running out of fuel. Cost of delivered fuel is to be borne by the owner.
In the event that you require Roadside Assistance you must please call the following number 0861 86 0861.
Note: These benefits will be deemed invalid if not arranged through the 24 hour call centre of the service provider.
6.4. ALTERNATIVE TRANSPORT OR HOTEL ACCOMMODATION
All assistance is rendered subject to the terms and conditions of the service provider.
Car hire from a recognised car hire company, subject to the terms and conditions of the service provider (costs incurred will be confined to rental charges,
delivery and collection of the hire vehicle) and subject to a maximum of R1000 per claim. This benefit does not cover petrol and is available if the vehicle
is not repaired within 24 hours after authorisation of the claim.
In the event that you require Alternative Transport you must please call the following number 0861 86 0861.
Note: These benefits will be deemed invalid if not arranged through the 24 hour call centre of the service provider.
HOTEL ACCOMMODATION
Hotel accommodation (for the occupants of the vehicle) will be covered subject to the terms and conditions of the service provider, if the breakdown
occurs in excess of a 300 kilometre radius from your permanent residence, subject to a maximum of R1000 per claim. (Up to a maximum of six persons)
In the event that you require Hotel Accommodation you must please call the following number 0861 86 0861.
Note: These benefits will be deemed invalid if not arranged through the 24 hour call centre of the service provider.
6.5. MEDICAL ASSISTANCE SERVICE PROGRAMME
All assistance is rendered subject to the terms and conditions of the service provider.
All medical assistance service programme benefits are limited to within the borders of the Republic of South Africa. Should you require assistance outside
of these borders the service provider will assist you, however, you will be responsible for all costs.

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The service provider will provide you with the following services as a result of your involvement in a Medical Emergency, subject to the limits of the Benefit
Table. Please call the following number 0861 86 0861.
Note: These benefits will be deemed invalid if not arranged through the 24 hour call centre of the service provider.
6.5.1. Medical Advice and Information Hotline: The medical personnel, including paramedics, nurses and doctors, are available 24 hours a day to
provide general medical information and advice. This is an advisory service, as a telephonic conversation does not permit an accurate or definitive
diagnosis.
ADVICE ONLY
6.5.2. Emergency Medical Advice and Assistance Hotline: In addition to the general medical advice service, one call to the same number, will trigger
the medical operators who will guide you through a medical crisis situation, provide emergency advice and organise for you to receive the support you
need.
ADVICE ONLY
6.5.3. Medical Transportation: In the event of your involvement in a Medical Emergency, the service provider will arrange and pay the full cost, subject
to the National Reference Price List rates for Emergency Medical Transportation by road and/or by air ambulance, under appropriate medical supervision,
to the nearest medical facility capable of providing adequate care. (Occupants other than the immediate family will be liable for their own cost). Medical
considerations, the degree of urgency, your state and fitness to travel and other considerations, including, but not limited to, airport availability, weather
conditions and distance to be covered as assessed by the service provider Doctor and support staff will determine whether transport will be provided by
medically equipped aircraft, helicopter, regular scheduled flight, rail or road.
PER NATIONAL REFERENCE PRICE LIST RATES
6.5.4. Inter-Facility Transportation: If the service provider Doctor, in consultation with the attending doctor, determines that treatment should continue
at an alternate medical facility (because the necessary treatment cannot be continued at the present facility) the service provider will arrange and pay the
full cost, subject to the National Reference Price List rates for your transportation to the nearest facility where the treatment can continue until stabilised.
PER NATIONAL REFERENCE PRICE LIST RATES
6.5.5. Medical Repatriation: In the event of your hospitalisation outside of your home town, the service provider will arrange and pay the full cost,
subject to the National Reference Price List rates, for repatriation to your home town: Provided that such repatriation is recommended by the service
provider doctor as being medically justified and requiring medical supervision. The service provider will also, in its sole discretion, determine the means
of transportation.
PER NATIONAL REFERENCE PRICE LIST RATES
6.5.6. Escorted Return of Minors: In the event of your minor children being stranded as a result of your hospitalisation, we will arrange and pay the full
cost, for their transportation, under supervision where necessary, into the care of a person nominated by you, within the Territory.
FULL COST
6.5.7. In-Hospital Medical Monitoring: We will monitor your medical condition for the duration of your hospitalisation outside of your home town. If
required, we will keep a nominated family member or business colleague informed of your medical progress.
SERVICE ONLY
6.5.8. Compassionate Visits: Should the policy holder be hospitalised outside their home town for a period exceeding five (5) consecutive days, we will
arrange and pay the full cost for the economy class transportation of a close relative to visit them.
FULL COST
6.5.9. Repatriation of Mortal Remains: In the unfortunate event that death occurs whilst the policy holder is away from home, repatriation of the mortal
remains will be undertaken to the policy holder’s town of permanent residence within the area.
LIMIT R20 000.00

7. EXCLUSIONS AND ITEMS NOT COVERED BY THIS POLICY


7.1. All components and parts not described as covered items in sub-paragraphs 5.1 to 5.18 above, or any routine servicing / maintenance related items
which are the owner’s responsibilities as set out in the Manufacturer’s Vehicle Service Guide, but more specifically the following:
7.1.1. Engine Components: Oil leaks, burnt or bent valves, pulleys and/or external tensioners, external locating/locking pins, external securing bolts,
corroded bolts, rubber components, inlet and exhaust manifolds, exhaust systems, catalytic converters, egr valves, cracked cylinder head(s), corroded
cylinder head(s), timing belt replacement (maintenance item) and all gaskets and seals.
7.1.2. Manual Transmission: Oil leaks, clutch plate, pressure plate, release bearing, clutch fork, clutch master cylinder, clutch slave cylinder, clutch
cable, clutch hydraulic pipes, spigot bush/bearing, flywheel, ring gear, external linkages, transfer box where fitted, external damage to transmission case,
external securing bolts and all gaskets and seals.
7.1.3. Automatic Transmission: Oil leaks, flex plate, ring gear, oil cooler, oil cooler pipes and external gear linkages, external damage to transmission
case, external securing bolts and all gaskets and seals.
7.1.4. Differential (front, rear, for four wheel and rear wheel drive): Oil leaks, front/rear hub assemblies, locking hubs, external damage to axle
housing(s), external securing bolts and all gaskets and seals.

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7.1.5. Trans-axle: Oil leaks, clutch plate, pressure plate, release bearing, clutch fork, clutch master cylinder, clutch slave cylinder, clutch cable, clutch
hydraulic pipes, spigot bush/bearing, flywheel, ring gear, external linkages, external damage to axle/transfer case(s), front hub assemblies, locking hubs,
external securing bolts and all gaskets and seals.
7.1.6. Propeller Shaft Components: Propeller shaft, balancing of propeller shaft and flexible couplings.
7.1.7. Drive Shafts: Oil leaks, hub assemblies, protective rubber boots and constant velocity joints where the protective boots are damaged, torn or worn,
thereby rendering the C.V. joint exposed to dust, grit and the elements.
7.1.8. Suspension Components: Upper and lower ball joints, steering knuckles, tie rod ends, pit-man arms, idler arms, drag-links, springs, electronic
modulated suspension, replacement of struts, shock absorbers, setting of front or rear wheel alignment, wheel balancing and external securing bolts.
7.1.9. Brake Components: Brake discs, brake drums, disc pads, brake shoes and linings, hand brake mechanisms, proportioning valve, brake hoses,
hydraulic lines and hydraulic leaks.
7.1.10. Steering Components: Oil leaks, power steering reservoir, external damage to steering gear and pump housings, damaged or torn protective
boots, damage to the steering rack as a result of a torn/damaged protective boot(s), all piping, hoses, belts and all gaskets and seals.
7.1.11. Fuel System: Fuel system corrosion/contamination, fuel injectors, glow plugs, fuel filters, fuel lines, fuel tanks, throttle body, carburettors, oil leaks
and service related items.
7.1.12. Cooling System: Radiator cap, expansion tank, expansion tank cap, blocked radiators, oil cooler, hoses, pipes, pulleys, belts, fan-blade,
thermostat housings, thermostat housing gaskets or seals.
7.1.13. Electrical Components: Batteries, globes, lamp assemblies, wiring, fuses, relays, switches, gauges and serviceable items – brushes/bushes.
7.1.14. Electronic Ignition: High tension leads, distributor cap, rotor, distributor assembly, distributor shaft/bushes.
7.1.15. Electronic Components: Anti-lock braking system control module and sensors, transmission control module, fuel injection control module,
modulated suspension control module, alarm/immobilizer/security system control module (whether factory fitted or not), remote control/electronic key for
immobilizer/alarm unit (including battery).
7.1.16. Air Conditioner / Heating: Rectification of gas leaks, re-gassing of system, all hoses, pipes, belts, pulleys, condenser unit, receiver drier,
evaporator unit, blower motor and service related items.
7.1.17. Wheel Bearings: Failure as a result of accident damage or lack of lubricant.
7.1.18. Turbo Charger/Air Pump: Failure as a result of not adhering to the manufacturer’s operating instructions, turbo charger cooling system/devices,
all hoses and pipes.
7.2. Wear and Tear: Normal wear and tear deterioration (not resulting in a mechanical/electrical “breakdown”) arising through usage or age of the vehicle,
in the sole opinion of Bidvest Insurance, is not covered by this policy.
7.3. Consequential Loss: Any loss, damage or failure to any covered component or part as a consequence of the failure of a noncovered part, will
be limited to the benefits applicable for the covered components or parts as listed under section 5.1 to 5.18 (Excluding damages arising as a result of
negligence, ignorance, unreasonable use, illegal use, use of the vehicle other than that for which the manufacturer intended it, malicious damage, fire,
accident or road hazard, all damage to any electrical /computer components due to water damage).
7.4. Authority: Any repair costs in respect of repairs that have been executed without prior authority having been obtained from Bidvest Insurance.
7.5. Odometer: Any claim if in the sole opinion of Bidvest Insurance, the odometer has been tampered with, altered by any means, has been disconnected
or has not been repaired immediately due to malfunction, or is inoperable at the time of claiming.
7.6. Manufacturer’s Warranty: Any component or parts covered by the manufacturer’s warranty or maintenance plan or that have been the subject of
the manufacturer’s defects notification recall programme or which require routine replacement in terms of the manufacturer’s recommendation; or any
manufacturing defect not repaired by the manufacturer; or any portion of costs of any failure which entitled the insured to benefits under another written
warranty, a service contract, or costs that would normally be covered by any other insurance policy.
7.7. Component Failure: Damage or failure of a component or part arising through the incorrect use of fuels/lubricants or due to the lack of or contaminated
lubricant, improper servicing, or the use of non-genuine parts, any failure resulting from the fitment of any electrical apparatus not approved by the
manufacturer, negligence, ignorance, unreasonable use, illegal use, use of the vehicle other than that for which the manufacturer intended it, malicious
damage, fire, accident or road hazard; or as a consequence of war, invasion, act of foreign enemy hostilities, (whether war be declared or not), civil war,
rebellion, revolution, insurrection, or military or usurped power; or arising from any nuclear fuel or from any nuclear waste or from the combustion of any
nuclear fuel; or arising from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds; or as a consequence of
any natural phenomenon.

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8. BIDVEST INSURANCE RESPONSIBILITIES
Bidvest Insurance reserves the right (in its sole discretion) to repair or replace with new or reconditioned components.
Where the repair requires that new or exchange units which in the sole opinion of Bidvest Insurance, are in excess of what is necessary to make good the
repair, then the difference in cost must be met by the insured.
Bidvest Insurance reserves the right to inspect any vehicle or component.

9. CONDITIONS
The Luxi Cover Mechanical/Electrical Breakdown Warrany policy covers only the vehicle specified on the Schedule of Insurance.
The policy is subject to the provisions set out in the Manufacturer’s Warranty Information and Service Book (which the Insured will be deemed to have
read) and the following conditions also apply:
9.1. For new monthly policies, the first debit order will be on the first working day of the new month. Thereafter the client selected debit order date will be
applicable for subsequent monthly debit orders. The premium due date for annual policies is on the annual renewal date.
9.2 This policy shall be construed and applied in accordance with the laws of the Republic of South Africa, the parties hereto agreeing to accept the
jurisdiction of its Courts, Magistrates or High and in the event of an appeal to abide by the final decision.
9.3 If the Insured shall make any claim knowing the same to be false or fraudulent as regards to the amount or otherwise, the policy shall become void
and all claims hereunder shall be forfeited.
9.4 This policy shall not be valid unless the Schedule of Insurance can be produced at the time of repair and presented to the repairing dealer.
9.5 This policy may be cancelled during the period of insurance, however, a pro-rata premium refund less reasonable costs incurred shall only be
considered on request for cancellation and will be subject to the following:
(i) The request to cancel the policy must be received in writing by Bidvest Insurance.
(ii) No claims have been submitted or have been paid under the policy.
(iii) If the policy has been financed by a bank, or financial institution, or forms part of a suspensive sale agreement, any approved pro-rata refund of the
policy premium will be credited to the respective bank or financial institution.
(iv) Monthly paid policies for which Bidvest Insurance are already on risk, will not be eligible for any pro-rata premium refund.
9.6. Payments for liabilities in terms of this policy will be paid for in South African currency.
9.7. In the event of Bidvest Insurance rejecting a claim and legal action not having commenced within three months after rejection, all benefits under the
policy shall be forfeited.
9.8. In the event that the Insured does not comply with the policy terms and conditions, then Bidvest Insurance Limited will be released from all liabilities
and/or obligations that it may have in terms of this policy and the policy will become void.

10. ARBITRATION
Should there be a dispute concerning any claim under this policy which the parties cannot themselves resolve through the internal complaints process of
Bidvest Insurance Ltd and the relevant ombudsman, they will refer it to an independent arbitrator, whose decision on the dispute shall be final and binding
on both parties. Each party shall bear and pay its own costs in this regard.

11. OWNERS RESPONSIBILITIES


11.1. Servicing Requirements: It is a condition of this Luxi Cover Mechanical breakdown policy that the vehicle shall be serviced/maintained at the
correct times/kilometres, in accordance with the content as prescribed by the Manufacturer. However if the vehicle is not serviced via the Manufacturer’s
Franchise dealer, the following service intervals are a requirement:
(i) Petrol Derivative: Every 12 months or 10 000 kilometres, whichever is the lesser.
(ii) Diesel Derivative: Every 6 months or 5 000 kilometres, whichever is the lesser.
N.B: Servicing/maintenance must be carried out by either your Selling dealer, a Bidvest Insurance Approved dealer, a Manufacturer’s Franchise dealer
or a repairer who is a registered member of the Retail Motor Industry Organisation, who must complete the relevant service schedules as set out in the
manufacturer’s vehicle Warranty Information and Service Book.
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N.B: A MAXIMUM RUNOVER ALLOWANCE OF 1 500 KILOMETRES, OR 30 DAYS (WHICHEVER OCCURS FIRST) WILL BE PERMITTED.
11.2. Keeping Service Records: A record of each and every service, carried out in terms of paragraph 11.1. above, recording the date of service, job card
number, odometer reading and stamped by the servicing dealer, must be entered in the service record forming part of this policy booklet.
The original receipted invoices duly signed by the Insured confirming the services, must be retained and must be presented in the event of a claim.
11.3. Loss or Damage: All reasonable precautions must be taken to minimise loss or damage.
11.4. Odometer: It is the responsibility of the Insured to ensure that the odometer of the vehicle is in good working order at all times.
NON COMPLIANCE OF THE ABOVE RESPONSIBILITIES BY THE INSURED WILL AUTOMATICALLY RENDER THIS POLICY VOID AND ALL
BENEFITS HEREUNDER SHALL BE FORFEITED.

12. HOW TO MAKE A CLAIM


In the event of a mechanical or electrical failure (as defined) which is likely to result in a claim under this Luxi Cover mechanical breakdown policy, the
following procedure must be adhered to:
(i) The vehicle must be taken to the service centre of your Selling dealer, a Bidvest Insurance Approved dealer, a Manufacturer’s Franchise dealer or a
repairer who is a registered member of the Retail Motor Industry Organisation, within 7 days of the failure becoming apparent.
Note: Should towing of the vehicle be required, please refer to section 6 item 6.3 “Roadside Policy Benefits” which lists the procedure for this benefit.
(ii) Provide the dealer service centre with your Luxi cover policy number and recorded Service History.
(iii) The repairing dealer must contact the Claims Office of Bidvest Insurance Limited prior to the commencement of any repair work.
(iv) Should it be necessary to dismantle any component to establish the cause or extent of the damage, it is the Insured’s responsibility to authorise such
disassembly to establish liability.
(v) Bidvest Insurance Limited reserves the right to request that servicing invoices/receipts be produced and to examine the vehicle and subject any parts
to expert assessment prior to the authorisation for repairs being approved.
(vi) Any claim that has not been finalised within 45 days of the occurrence will not be considered.
N.B: Any repair work carried out without prior authorisation from Bidvest Insurance Limited will render the claim invalid.
INFORMATION NECESSARY WHEN REPORTING A CLAIM
1. Owner’s name.
2. Policy number.
3. Current kilometre reading.
4. Address where vehicle can be inspected.
5. Service records.
Report Claims to: IUA Business Solutions (Pty) Ltd.
PO Box 1800, Umhlanga Rocks, 4320
Tel: 0861 27 27 77
Email: warrantyclaims@iua.co.za

IMPORTANT NOTICE
DISCLOSURE AND OTHER LEGAL REQUIREMENTS

ABOUT THE INSURER


Bidvest Insurance Limited is the underwriter of this insurance policy.

The company details are:


Bidvest Insurance Limited
Company Registration Number: 1997/019461/06
2nd Floor, Lincoln on the Lake, 2 The High Street, Umhlanga Ridge,4319
PO Box 25038, Gateway, 4321
Tel: 0861 888 861 | Fax: 0866 85 95 05 I Email: info@bidvestfs.co.za
To lodge a complaint with the insurer, email complaints@bidvestfs.co.za
Bidvest Insurance Ltd is a member of the South African Insurance Association and subscribes to its Code of Conduct.

9
POLICY and CLAIMS ADMINISTRATION
IUA Business Solutions (Pty) Ltd (IUA) has been appointed by the Insurer in terms of a Binder Agreement to
administer policies and settle claims on its behalf. IUA will assist you with any policy queries or amendments
which you may require, as well as any claims which you need to lodge.
IUA receives a fee for these services, which fee is disclosed in the Policy Schedule provided to you.
IUA holds Professional Indemnity and Fidelity Guarantee insurance, and an Intermediary Guarantee Fund
The insurer does not hold any interest in IUA Business Solutions (Pty) Ltd.
To access the Conflict of Interest Management policy of IUA, visit its website: www.iua.co.za

The company details are:


IUA Business Solutions (Pty) Ltd
An authorised Financial Services Provider, FSP No 15737
Reg. No :1981/006334/07
Lincoln on the Lake, 2 The High Street, Parkside, Umhlanga Ridge
PO Box 1800, Umhlanga Rocks, 4320
Phone: 0861 272 777
For policy administration matters: E-mail: admin@iua.co.za
For any claims: E-mail: warrantyclaims@iua.co.za

Compliance Officer of IUA Business Solutions (Pty) Ltd


Associated Compliance (Pty) Ltd,
Tel: 011 678 2533, Email: info@associatedcompliance.co.za

COMPLAINTS PROCEDURE
If You have any insurance related complaints or if You have a complaint about this policy or the service You
have received from Bidvest Insurance Ltd or its Policy Administrator, IUA Business Solutions (Pty) Ltd, please use
the following contact details:

Complaints Manager
Lincoln on the Lake, 2 The High Street, Parkside, Umhlanga Ridge
PO Box 1800, Umhlanga Rocks, 4320
Tel: 0861 010 111; Email: complaints@iua.co.za

If You have a complaint relating to the financial service received from Your broker/intermediary, please refer
to the complaints contact information on Your broker’s disclosure document.

If Your enquiry or Your dispute is not satisfactorily resolved, You may contact:
The Ombudsman for Short Term Insurance
P.O. Box 32334, Braamfontein, 2017
Tel: 011 726 8900/0860 726 8090 | Fax: 011 726 5501
Or
The FAIS Ombudsman:
P.O. Box 74751, Lynnwood Ridge, 0040
Tel: 012 470 9080 or 0860 324 766 I Fax: 012 470 9097 I Email: info@faisombud.co.za I Website:www.faisombud.co.za

Financial Services Board


Postal Address: P.O. Box 35655, Menlo Park, Pretoria, 0081
Physical Address: Riverwalk Office Park, Block B, 41 Matroosberg Road, Ashlea Gardens, Extension 6, Pretoria, 0181
Tel: 012 428 8000; Fax: 012 346 0251; Website: www.fsb.co.za

OTHER MATTERS OF IMPORTANCE


All material facts must be accurately, fully and properly disclosed by You. All information provided by You or on Your behalf is Your own responsibility. You
need to be satisfied with the accuracy of any transaction submitted by Your intermediary on Your behalf. Misrepresentation, incorrect or non-disclosure by
You of any material facts or circumstances may impact negatively on any claims arising from Your insurance contract.

10
SERVICE RECORDS
In order to maintain the validity of your policy you must have your vehicle serviced in accordance with the servicing requirements as set out in Section 11.
Failure to adhere strictly to the servicing requirements and to record these services as specified below is liable to render this policy invalid. Should your vehicle
Service book be missing, the below records can be used for servicing.
NOTE: Keep all invoices and proof of payment in respect of all services undertaken in terms of this policy.

SERVICE RECORD 1 Dealer Stamp & Signature

Date
Odometer
Job Card No.

SERVICE RECORD 2 Dealer Stamp & Signature

Date
Odometer
Job Card No.

SERVICE RECORD 3 Dealer Stamp & Signature

Date
Odometer
Job Card No.

SERVICE RECORD 4 Dealer Stamp & Signature

Date
Odometer
Job Card No.

SERVICE RECORD 5 Dealer Stamp & Signature

Date
Odometer
Job Card No.

SERVICE RECORD 6 Dealer Stamp & Signature

Date
Odometer
Job Card No.

01/11/2014

11
DISCLOSURES
(In terms of the Financial Advisory and Intermediary Services Act)

1. About your Intermediary (insurance brokerage)

Bidvest Insurance Brokers (Pty) Ltd, Co Reg No 1967/000378/07, is an authorised Financial Services Provider Licence
No: FSP 44446, and is authorised to provide Advice and Intermediary Services in respect of License Category 1: Short
Term Personal Lines, Short Term Commercial Lines, Long Term A (Funeral) and Long-Term Category B1.

Bidvest Insurance Brokers is a member of the Financial Intermediaries Association of Southern Africa.

a) Contact details
Physical Address: 2nd Floor, Lincoln on the Lake, 2 The High Street, Umhlanga Ridge, 4319
Postal Address: P.O. Box 25038, Gateway, 4321
Telephone: 0861 66 8888 ; Fax: 0866 85 9505
E-mail: info@bidvestfs.co.za
Web: www.bidvestinsurance.co.za

b) Insurance covers held by the Intermediary


- Your Intermediary does have Professional Indemnity Insurance
- Your Intermediary does have Intermediary Guarantee Fund Cover
- Your Intermediary does have Fidelity Guarantee Cover

c) Rand amount of commission payable to the Intermediary:


Commission is paid by the insurer at the statutory rate, which is disclosed on the policy schedule.

d) Written mandate to act on behalf of Insurer:


This certifies that the Insurer has granted a mandate to the Intermediary to represent the insurer and to accept
business on its behalf.

e) The compliance Officer for Bidvest Insurance Brokers (Pty) Ltd is:
Associated Compliance Pty Ltd License Number – 6377
Telephone: (011) 678 2533; Fax Number: (011) 678 7731
e-mail: info@associatedcompliance.co.za

f) Complaints: Should you wish to lodge a complaint with the Intermediary, the following contact details may be used:
e-mail: Complaints@bidvestfs.co.za
Postal: The Complaints Manager, P O Box 25038, Gateway, 4321
Telephone: 0861 010 111

2. About the Insurer

Bidvest Insurance Limited, Reg No: 1997/019461/06


PO Box 25038, Gateway, 4321
Tel: 0861 888 861 / Fax: 0866 85 95 05

3. Premium Payment

Premiums payment details are provided in the Policy Schedule as issued to you. In addition, commission earned by
Bidvest Insurance Brokers (Pty) Ltd is disclosed in the Policy Schedule

4. Conflict of Interest Disclosure

Bidvest Insurance Brokers (Pty) Ltd, FSP 44446, takes note of Board Notice 58 of 2010 regarding FAIS Conflict of
Interest. The Intermediary, Bidvest Insurance Brokers (Pty) Ltd, makes every effort to ensure that at all times it acts in
your best interest and in no way allow our own interests, potential or actual, to influence our objective performance and
the delivery of unbiased and fair financial service to you.
- The Conflict of Interest Management Policy of the Intermediary is available on its website www.bidvestinsurance.co.za
- A gift register is maintained by the intermediary and is monitored to ensure that a Representative does not receive benefits
of a cash value exceeding R1 000 from any financial service provider in any one year.
- The Intermediary and Bidvest Insurance Ltd have common shareholders.
- The intermediary does receive more than 30% of its total income from Bidvest Insurance Ltd, but not from any other
insurer.

5. Particulars of SASRIA SOC Limited

Should you have requested cover provided by SASRIA SOC Limited then you are entitled to the details as follows:
Physical Address: 36 Fricker Road, Illovo, Sandton, 2196
Postal Address: PO Box 653367, Benmore, 2010
Telephone: 0861 727742
Email/Website: contactus@sasria.co.za / www.sasria.co.za
Claims Procedure: In the event of a claim, all relevant documentation relating to your claim must be submitted to the
Insurer at the Local Branch in your area.
Compliance Dept: If you have any complaints about the Insurer regarding SASRIA cover then you may contact, The
Compliance Officer, SASRIA SOC Limited, PO Box 653367, Benmore, 2010.

6. OTHER DISCLOSURE REQUIREMENTS

6.1 FAIS OMBUDSMAN DETAILS

If the Intermediary does not resolve your complaint to your satisfaction, you have the right to approach the Ombudsman:
Telephone (012) 470 9080; Fax Number (012) 348 3447
Address: P O Box 74571 Lynnwood Ridge, 0040;
Physical: Sussex Office Park, 473 Lynnwood Road, Lynnwood, Pretoria
Email: info@faisombud.co.za;

6.2 OMBUD FOR SHORT-TERM INSURANCE

Physical Address: Sunnyside Office Park, Building D, 32 Princess of Wales Terrace, Parktown, Johannesburg
Postal Address: P.O. Box 32334, Braamfontein, 2017
Telephone: (011) 726 8900 or 0860 726 890
Email: info@osti.co.za
Web site: www.osti.co.za

6.3 FINANCIAL SERVICES BOARD

Postal Address: P.O. Box 35655, Menlo Park, Pretoria, 0081


Physical Address: Riverwalk Office Park, Block B, 41 Matroosberg Road, Ashlea Gardens, Extension 6, Pretoria, 0181
Tel: 012 428 8000; Fax: 012 346 0251
Website: www.fsb.co.za