This section provides financial protection against physical damage to vehicles which you own.  Your vehicle includes all spare parts and accessories permanently fitted to the vehicle (extras are only covered if stated in your schedule).  The following list of vehicles may be insured under your personal motor section:

• A private car, minibus or similar vehicle designed to carry up to 10 people, including the driver;

• A station wagon, motorized caravan/mobile home (contents to be insured under All Risks), 4×4 vehicle, 4×2 vehicle, or light delivery vehicle, with a gross vehicle mass of no more than 3 500kg, vehicles also known as double cabs with a carrying capacity not exceeding 5 (five) persons;

• A motorcycle, including three-wheeled, scooter or quad-bike;

• A golf cart;

• Trailers may also be covered by this section.

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The two main areas that are covered under the policy are:

• Physical loss or damage to your vehicle as a result of a specific incident.

• Damage to third party vehicles and property.

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Full compliance with the legal requirements of owning and driving a motor vehicle is vital to the validity of any motor insurance policy i.e.

• The driver must be appropriately licensed to operate the vehicle.

• The vehicle must be roadworthy (e.g. smooth tires render a vehicle unroadworthy.)

• You must be the registered owner of the vehicle (this ensures that you have an insurable interest.)

• The exact use to which the vehicle is engaged must be fully disclosed to the insurer.

Injuries sustained during a motor vehicle accident in South Africa are claimable from the Road Accident Fund.