Motor Vehicle

 

Road accident

Whether you own a (local or imported) light-duty vehicle (LDV), off-road vehicle or motorcycle, our motor policies have you covered against loss or damage. We offer the following levels of cover:

• Comprehensive

• Third Party, Fire and Theft Only

• Third Party Only

* Terms and conditions apply

Comprehensive Cover

This covers your vehicle for any accidental damage, loss of the vehicle, and/or any damage to third-party property arising from the use of your vehicle. So, if the worst happens, you can relax, knowing that you are fully covered for:

  • Damage to your car caused in an accident
  • Loss of or damage to your car caused by fire, theft and/or vandalism
  • Repair or replacement of broken glass on your car
  • Damage to vehicles or property belonging to other people
  • Death or Injury to other people, including occupants of your vehicle
Third Party, Fire and Theft Cover

This covers the legal liability associated with the use of the insured vehicle for injury to third parties and damage to their vehicle and/or property. The insured vehicle is only covered for loss by theft or fire. This policy covers:

  • Loss or damage to your car caused by fire and/or theft
  • Damage to vehicles or property belonging to other people
  • Death or Injury to other people including the occupants in your vehicle who are not members of your family
Third Party Only

This covers the legal liability associated with the use of the vehicle for injury to third parties and damage to their vehicle and/ or property. It however does not cover loss or damage to your vehicle, but covers the following:

  • Damage to vehicles or property belonging to other people
  • Death or Injury to other people including the occupants in your vehicle who are not members of your family

Policy Benefits

Benefit

The table below summarizes the main benefits offered under each type of cover.

Policy Benefits Comprehensive Third Party Fire & Theft Third Party Only
Accidental damage cover ✔ ✖ ✖
Theft of audio equipment ✔ ✔ ✖
Fire & theft damage cover ✔ ✔ ✖
Credit Shortfall ✔ ✖ ✖
Third party liability cover including whilst towing ✔ ✔ ✔
Windscreen /Glass cover ✔ ✖ ✖
Emergency Expenses ✔ ✔ ✖
Medical expenses ✔ ✖ ✖
Trauma ✔ ✔ ✖
Passenger Liability ✔ ✔ ✔
Fire extinguishing charges ✔ ✔ ✖
Loss of keys and locks including alarm remote ✔ ✖ ✖
Wreckage removal ✔ ✔ ✖
Self-authorisation limit ✔ ✔ ✖

Available additional cover options

Roadside Assistance

Going the extra mile to ensure your safety, roadside assistance is provided with all Motor Vehicle Insurance Policies, regardless of the option or cover chosen. In the event of a mechanical breakdown, tyre or battery problems the 24-hour roadside assistance is just a call away.

Roadside Assist

Courtesy Car Extension

Avoid the inconvenience of being without a vehicle after accident. Your ability to earn a living should not be affected while your car is being repaired. A reliable courtesy car from a reputable rental agency will allow you to simply get on with your life. Alliance will cover the base rate for rental and you only cover the extras, like fuel, excess mileage and toll charges.

How it works

  • Following an accident inform Alliance of your request for a courtesy car two days ahead of time.
  • Provide your claim number as the reference.
  • You will be issued with a voucher number redeemable at the car rental company.
  • Vouchers are valid for Lesotho, South Africa and Swaziland. (Additional cross-border levies apply)
  • Collect your rental vehicle at the nearest car rental outlet.
Accidental Death Cover Extension

A death benefit will be paid to the beneficiaries of the deceased in the event of accidental death. This extension covers the passengers in the insured vehicle and pedestrians’ lives lost as a result of an accident with the insured vehicle. The policy will payout to the bereaved families in the accident, on the insured’s behalf. This option provides a maximum of M20,000 per vehicle, per incident.


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