Our private motor insurance is tailored to you. Whether it’s a saloon car, 4X4, motorcycle, quad bike, trailer or caravan we can offer you the perfect cover in the event of damage or theft. Not to mention a full assortment of optional cover extensions for the more adventurous driver.
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Private Motor vehicle definition: a motor car, light delivery motor vehicle, 4X4 motor vehicle, microbus or similar motor vehicle with a gross mass of 3500kg or less and with
seating for at the most 12 people including the driver; or a motorbike, scooter, golf cart or quad bike; or a trailer or caravan (including fixtures and fittings) that is designed to be towed by a towing motor vehicle.
Calculating the sum insured: At Thaba Bosiu Risk we insure vehicles at current Retail value to ensure that our clients are not placed in a worse off position following a loss. The retail value is obtained from the Auto Dealers Guide prepared by Trans Union Auto Information services for the month in which the loss occurred. Alternatively, if stated in your schedule, an Agreed value may apply.
Important note: The insured must own or lease the motor vehicle under a financing or hire-purchase agreement, having an insurable interest on the motor vehicle.
Definition of use: You must ensure that you have specified your vehicle under the correct definition of use. There are three definitions of use, being (1) Private use, (2) Business use for motor vehicles only, (3) Business use for light delivery vehicles and motorcycles only.
Type of cover: There are 3 cover options for clients to choose. Third Party Fire & Theft, Comprehensive Cover or the more limiting cover option being Third Party Only.
Cover includes: Any damage or loss of the motor vehicle stated on the schedule will be covered. Insurers will choose to repair, or pay you the amount of the loss or damage for the vehicle, less the first amount payable.
Contact us on +266 2231 3018 /5250 0404/5 to speak to one of our brokers