Understanding The Policy Book or Terms and Conditions In Not So Small Print
Introduction
Welcome to the modern way of insuring your goods. It is easy, it is direct, it
puts you in control and you can be rewarded for being responsible and managing
your actions, by getting some bucks back.
Dial Direct is part of the UK Dial Direct group.General Terms & Conditions
Vehicle - Comprehensive Cover
Under this section you may claim for any accident damage to the vehicle, or if
it is stolen. You may also claim for the damage you caused to other parties and
their property.
The use of the vehicle
The type of use that you chose is stated on the schedule.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the Basic Excess.
You must also pay any of the Additional Excesses on the schedule, on top of the
Basic Excess.
We wil compensate you for:
The vehicle
The vehicle is comprehensively insured. We will compensate you if it is damaged
or stolen.
The most we will pay for the vehicle is its value stated on the schedule. If the
vehicle is stolen we do not have to compensate you for four weeks from the time
you tell us about it. If the vehicle is financed, we must first pay the finance
company. If parts for the vehicle are not available, and it delays the repairs,
we will not compensate you for the inconvenience or money you lose or for any
liability you may incur because of the delay.
Towing and storage
The reasonable cost to store or to tow the vehicle to the closest repairer.
Sound system
The vehicle’s sound system, but only if the schedule states that you are paying
a premium for it.
Hail damage
Hail damage, but only if the schedule states that you are paying a premium for
it.
Canopy
The canopy of the pick-up, but only if the schedule states that you are paying a
premium for it.
Car hire
A hired car through our preferred supplier, up to the maximum stated on the
schedule, while the vehicle is being repaired.
A hired car through our preferred supplier, up to the maximum stated on the
schedule, if the vehicle is stolen.
Car hire, as long as your claim is valid.
Medical costs
If the vehicle is in an accident and any person in it is injured, we will pay up
to R500 towards the medical costs of each injured person.
Other parties
1) We will compensate the other party on your behalf for damages, costs and
expenses if the regular driver is legally responsible for an accident which
caused damage to another party’s property, or if a person died or was injured
because of the accident. The accident must have been caused by or in connection
with;
a) the vehicle on the policy, or
b) a vehicle, motorcycle, trailer or a caravan which was towed by the vehicle on
the policy, or
c) a vehicle which is not on the policy which the regular driver personally
drove, as long as he/she does not own it or have it under a hire or credit
agreement. We are not responsible for the vehicle he/she drove.
2) We will also compensate the other party for damages, costs and expenses
caused by any person (excluding passengers) who drove or used the vehicle on the
policy with the regular driver’s permission, provided that the person will be
subject to the terms and conditions of the policy. That person may also not have
a claim against another policy.
The maximum we will pay under this section is R300 000 for fire and explosion
and R1 000 000 for other damage. The amount stated on the schedule is the
maximum for death and injury. These limits are per accident.
We do not compensate you:
No licence, under the influence or endorsed licence
If this vehicle, or any other vehicle is being driven by the regular driver, or
in the case of this vehicle, by any person who has the general consent of the
regular driver to drive this vehicle, and if the driver;
1) is not licensed to drive or drives while under the influence of alcohol or
drugs, or while the percentage of alcohol in the driver’s blood exceeds the
legal limit or when the driver fails a breathaliser test, or
2) has a licence endorsed, whether on the licence or with the authorities, for
negligent, reckless or drunken driving, or for driving while the percentage of
alcohol in that person’s blood exceeded the legal limit.
Vehicle not roadworthy
When the vehicle or the caravan or trailer that it tows is involved in an
accident, and it is not in a roadworthy condition as is defined in the
legislation relating to roadworthiness, or when the law or traffic regulations
do not allow towing.
Unauthorised use of vehicle
If someone uses the vehicle without your knowledge and consent and you have not
laid a criminal charge against them with the Police, within 48 hours. You may
also not withdraw the charge.
Vehicle used to earn an income or for racing
If the vehicle is used to carry fare-paying passengers, for hiring, driving
instruction, racing or competition.
Vehicle used in the motor trade
When the vehicle is used in connection with the motor trade, unless it is in for
service or repairs.
Vehicle used in certain countries outside South Africa
When the vehicle is used outside South Africa, Botswana, Lesotho, Malawi,
Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other
parties on your behalf when the vehicle is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person
who works for you dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property
that you and your household members have with them at the time of the accident.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance
legislation.
Vehicle - Third Party, Fire & Theft
Under this section you may claim for certain specified damage to the vehicle or
if it is stolen. You may also claim for the damage you caused to other parties
and their property. You may not claim for accident damage to your vehicle.
The use of the vehicle
The type of use that you chose is stated on the schedule.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the Basic Excess.
You must also pay any of the Additional Excesses on the schedule, on top of the
Basic Excess.
We wil compensate you for:
The vehicle
The vehicle is insured for third party, fire and theft. We will compensate you
if it is damaged as a direct result of fire, explosion, lightning or an
attempted theft, or is stolen. The most we will pay for the vehicle is its value
stated on the schedule. If the vehicle is stolen, we do not have to compensate
you for four weeks from the time you tell us about it. If the vehicle is
financed, we must first pay the finance company. If parts for the vehicle are
not available, and it delays the repairs, we will not compensate you for the
inconvenience or money you lose or for any liability you may incur because of
the delay.
Towing and storage
The reasonable cost to store or to tow the vehicle if it was damaged by anything
covered by the policy, to the closest repairer.
Sound system
The vehicle’s sound system, but only if the schedule states that you are paying
a premium for it.
Car hire
A hired car through our preferred supplier, up to the maximum stated on the
schedule, if the vehicle is stolen. Car hire, as long as your claim is valid.
Medical costs
If the vehicle is in an accident and any person in it is injured, we will pay up
to R500 towards the medical costs of each injured person.
Other parties
1) We will compensate the other party on your behalf for damages, costs and
expenses if the regular driver is legally responsible for an accident which
caused damage to another party’s property, or if a person died or was injured
because of the accident. The accident must have been
a) the vehicle on the policy, or
b) a vehicle, motorcycle, trailer or caravan, which was towed by the vehicle on
the policy, or
c) a vehicle which is not on the policy which the regular driver personally
drove, as long as he/she does not own it or have it under a hire or credit
agreement. We are not responsible for the vehicle he/she drove.
2) We will also compensate the other party for damages, costs and expenses
caused by any person (excluding passengers) who drove or used the vehicle on the
policy with the regular driver’s permission, provided that the person will be
subject to the terms and conditions of the policy. That person may also not have
a claim against another policy.
The maximum we will pay under this section is R300 000 for fire and explosion
and R1 000 000 for other damage. The amount stated on the schedule is the
maximum for death and injury. These limits are per accident.
We do not compensate you:
No licence, under the influence or endorsed licence
If this vehicle, or any other vehicle is being driven by the regular driver, or
in the case of this vehicle, by any person who has the general consent of the
regular driver to drive this vehicle, and if the driver;
1) is not licensed to drive or drives while under the influence of alcohol or
drugs, or while the percentage of alcohol in the driver’s blood exceeds the
legal limit or when the driver fails a breathaliser test, or
2) has a licence endorsed, whether on the licence or with the authorities, for
negligent, reckless or drunken driving, or for driving while the percentage of
alcohol in that person’s blood exceeded the legal limit.
Vehicle not roadworthy
When the vehicle or the caravan or trailer that it tows is involved in an
accident, and it is not in a roadworthy condition as is defined in the
legislation relating to roadworthiness, or when the law or traffic regulations
do not allow towing.
Unauthorised use of vehicle
If someone uses the vehicle without your knowledge and consent and you have not
laid a criminal charge against them with the Police, within 48 hours. You may
also not withdraw the charge.
Vehicle used to earn an income or for racing
If the vehicle is used to carry fare-paying passengers, for hiring, driving
instruction, racing or competition.
Vehicle used in the motor trade
When the vehicle is used in connection with the motor trade, unless it is in for
service or repairs.
Vehicle used in certain countries outside South Africa
When the vehicle is used outside South Africa, Botswana, Lesotho, Malawi,
Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other
parties on your behalf when the vehicle is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person
who works for you dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property
that you and your household members have with them at the time of the accident.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance
legislation.
Vehicle - Third Party Only
Under this section you may only claim for the damage you caused to other parties
and their property.
The use of the vehicle
The type of use that you chose is stated on the schedule.
What you pay when you claim - the excess(es)
Every time something happens for which you claim, you must pay the Basic Excess.
You must also pay any of the Additional Excesses on the schedule, on top of the
Basic Excess.
We will compensate you for:
Other peoples’ property
The vehicle is insured for third party only. We will only compensate you for
damage you caused to other parties or their property. So, we will not compensate
you if the vehicle is damaged or lost.
Medical costs
If the vehicle is in an accident and any person in it is injured, we will pay up
to R500 towards the medical costs of each injured person.
Sound System
The vehicle’s sound system, but only if the schedule states that you are paying
a premium for it.
Windscreen
The vehicle's windscreen, but only if the schedule states that you are paying a
premium for it.
Canopy
The canopy of the pick-up, but only if the schedule states that you are paying a
premium for it.
Other parties
1) We will compensate the other party on your behalf for damages, costs and
expenses if the regular driver is legally responsible for an accident which
caused damage to another party’s property, or if a person died or was injured
because of the accident. The accident must have been caused by or in connection
with;
a) the vehicle on the policy, or
b) a vehicle, motorcycle, trailer or caravan, which was towed by the vehicle on
the policy, or
c) a vehicle which is not on the policy which the regular driver personally
drove, as long as he/she does not own it or have it under a hire or credit
agreement. We are not responsible for the vehicle he/she drove.
2) We will also compensate the other party for damages, costs and expenses
caused by any person (excluding passengers) who drove or used the vehicle on the
policy with the regular driver’s permission, provided that the person will be
subject to the terms and conditions of the policy. That person may also not have
a claim against another policy.
The maximum we will pay under this section is R300 000 for fire and explosion
and R1 000 000 for other damage. The amount stated on the schedule is the
maximum for death and injury. These limits are per accident.
We do not compensate you:
No licence, under the influence or endorsed licence
If this vehicle, or any other vehicle is being driven by the regular driver, or
in the case of this vehicle, by any person who has the general consent of the
regular driver to drive this vehicle, and if the driver;
1) is not licensed to drive or drives while under the influence of alcohol or
drugs, or while the percentage of alcohol in the driver’s blood exceeds the
legal limit or when the driver fails a breathaliser test, or
2) has a licence endorsed, whether on the licence or with the authorities, for
negligent, reckless or drunken driving, or for driving while the percentage of
alcohol in that person’s blood exceeded the legal limit.
Vehicle not roadworthy
When the vehicle or the caravan or trailer that it tows is involved in an
accident, and it is not in a roadworthy condition as is defined in the
legislation relating to roadworthiness, or when the law or traffic regulations
do not allow towing.
Unauthorised use of vehicle
If someone uses the vehicle without your knowledge and consent and you have not
laid a criminal charge against them with the Police, within 48 hours. You may
also not withdraw the charge.
Vehicle used to earn an income or for racing
If the vehicle is used to carry fare-paying passengers, for hiring, driving
instruction, racing or competition.
Vehicle used in the motor trade
When the vehicle is used in connection with the motor trade, unless it is in for
service or repairs.
Vehicle used in certain countries outside South Africa
When the vehicle is used outside South Africa, Botswana, Lesotho, Malawi,
Mozambique, Namibia, Swaziland and Zimbabwe. We will not compensate other
parties on your behalf when the vehicle is used outside South Africa.
Accidental death or injury of a household member or employee
If a member of your household dies or is injured in an accident or if a person
who works for you dies or is injured while he/she is working.
Property in your possession and that of your household members
For your property and the property of your household members, and other property
that you and your household members have with them at the time of the accident.
Cover under the Road Accident Fund
For what will be paid for under the compulsory motor vehicle insurance
legislation.
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