SERVICE PLAN

Administered by
CONTENTS

Introduction Pg 2

Frequently Asked Questions Pg 3

Important Definitions Pg 6

General Terms & Conditions Pg 7

Plan Structure Pg 11

Your Responsibilities Pg 13

Your Cover Pg 14

Service Items Covered Pg 16

Optional Cover Pg 17

Roadside Assistance Pg 19

How to Claim Pg 20

Not Covered Pg 22

Optional Tyre Protect Pg 23

Optional Scratch & Dent Pg 25

Optional Engine Warranty Pg 26

Disclosure Notice Pg 29

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 SERVICE PLAN INTRODUCTION
This Plan Document, the information you have provided, once accepted by us form
the contract of insurance between us MVIA a division of FSP 45790 and you (the
owner of vehicle). Upon receipt of the requisite payment, we will provide the cover
as described in the Plan Document and Plan Schedule subject to the terms and
conditions of this agreement.

We reserve the right to decline this contract, which will be done within 30-days
of receipt of the application. If we do decline, we will refund the full payment, less
inspection costs.

These plans are designed to assist the motorist with the costs of servicing and
maintaining their vehicle, and the whole document including the “Terms and
Conditions” and “Exclusions” are relevant to all sections.

This plan consists of 2 Sections.

Section 1, the service plan and its relevant cover options. This is a contractual
agreement and is not insurance.

Section 2, these are optional additional benefits, the Engine Warranty and Tyre
Protect are insurance products and underwritten by Mutual & Federal Risk Finance.
The optional Scratch & Dent Plan is a maintenance product and is not an insurance
product.

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FREQUENTLY ASKED QUESTIONS

What is a Vehicle Service?

A service is the routine upkeep of your vehicle which typically includes the
replacement of oils, spark plugs and various other items required to keep your
vehicle in optimum running condition.

Why Must I Service My Vehicle?

Not only does servicing keep your vehicle in optimum condition, it is a requirement
to ensure your mechanical warranty is valid. It increases the resale value of your
vehicle and will also assist in identifying and correcting potential mechanical failures
before they occur.

When Must I Service My Vehicle?

Your vehicle must be serviced at the manufacturer’s specified intervals, generally
every year or after a specified number of kilometres, for example, 1 year or every
15 000km whichever occurs first.

What if I'm Early or Late for My Service?

There is a grace period of 30 days or 1000km, any services outside of this period
will incur penalty charges, detailed under "Your Cover" section.

Are All Services the Same?

No, services vary, and different items are replaced at defined points in your vehicle’s
life cycle. Your typical vehicle will have major and minor services which differ in the
amount of work required and cost. Certain vehicles also have cambelts which need
to be replaced and can be extremely costly. If your vehicle has a cambelt, consider
including the cambelt cover in your plan.

Why Do I Need a Service Plan?

A service plan assists in budgeting for routine services which are required to ensure
the smooth day-to-day running of your vehicle.

What Does the Service Plan Cover?

The service plan is a contractual agreement which covers a specified number of
services over a selected time period or number of kilometres.

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 FREQUENTLY ASKED QUESTIONS

Is There a Waiting Period Before I Can Claim?

Yes, if your plan is paid monthly the waiting period will be stipulated on your plan
schedule.

Where Can I Take My Vehicle for a Service?

If you have selected Standard Cover, your vehicle can be taken to any RMI or MIWA
accredited service providers, excluding Manufacturer Franchised service providers. If
you have selected Premier Cover, your vehicle can be serviced at any RMI or MIWA
accredited service providers including Manufacturer Franchised service providers.

What Items are Covered on My Plan?

The items covered on your plan will depend on the cover options you have selected
on your plan schedule. Refer to the “Service Items Covered” section for a summary
of items covered on the service plan.

Are My Brakes and Wipers Covered?

If you have elected to include the Brakes & Wipers cover, they are covered subject to
the waiting period applicable for each item. Refer to the "Brakes & Wipers" benefits
table for details.

Is Maintenance Covered on My Plan?

If you elect to include the Extra Maintenance cover, your plan will cover maintenance
when your vehicle is due for a service up to the limit you have purchased.

What is the Duration of My Plan?

The service plan will provide cover for a selected number of services over a selected
period to a maximum of 36 months.

Is Mechanical Breakdown Covered?

No, mechanical breakdown is not covered under the service plan portion, however,
if you have included the Optional Engine Warranty, your engine will have cover from
mechanical failure.

Are There Terms and Conditions for the Microvaps I Have Chosen?
Yes, each value-added product has its own specific benefits, conditions and waiting
period and they are also subject to the terms and conditions of the service plan.

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 FREQUENTLY ASKED QUESTIONS

What Must I Do When My Vehicle is Due for a Service?

Contact our bookings department on 0860 767 252 and notify us of your vehicle’s
requirement for a service, alternatively register your claim on www.mvia.insure. Our
bookings department will then liaise with you and your preferred service centre to
ensure that your vehicle is booked and serviced.

What Must I Do in the Event of a Breakdown?

Stop use of the vehicle immediately, contact the Roadside Assistance
(Dial 010 211 5725) and have your vehicle towed to your nearest RMI on MIWA
approved repairer. Contact our claims department to register a claim if you have
included the Optional Engine Warranty.

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 IMPORTANT DEFINITIONS
A vehicle component can be a single part or collection
Component of parts. Each component covered is defined under the
“Component Covered” section.

Means the reasonable charges (market related) for

Cost of Repair components and labour to repair or replace the covered
components listed.

Functionally A vehicle component which no longer functions in its

intended manner. It has reached the end of its lifespan as a
Deficient (Worn result of normal use and must be replaced as part of routine
Out) vehicle maintenance.

This refers to the actual motor vehicle covered by this

Vehicle plan and it is specified in your plan schedule under Risk
Information.

This refers to the original equipment manufacturer of a new

OEM vehicle, such as Volkswagen, Audi, BMW, etc.

Service Items This refers to the parts covered by the service plan.

Approved Service This refers to a RMI, MIWA or manufacturer franchised

Centre approved facility.

This is the date on which the plan starts, and it is agreed at

Inception Date the time of sale.

This is the document sent to you once the policy is issued

Plan Schedule and it outlines the type of cover, benefits, payments required
and the specific vehicle covered by this plan.

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GENERAL TERMS & CONDITIONS
This Agreement
This is a legal agreement between the administrator, the administrator, and you being
the person who is the registered owner of the vehicle and who is named in the plan
information document (referred to as “you”, “your”, “the client” or “planholder”).
Details of the administrator can be found under “About the Administrator.”

This document, your plan schedule and the information provided by you, both written
and verbal, once accepted by us forms the contract between us, the administrator and
you, the planholder.

All the information you have provided must be as true and accurate as possible.
Incorrect information can influence the outcome of a claim and validity of this
contract.

Your Service Plan, Your Benefits

This agreement is a contract between yourself and the administrator for your vehicle.
The rights and benefits of this agreement may not be passed or transferred to any
entity other than yourself without our prior consent.

Personal Details
It is your responsibility to let us know immediately if any of your personal details, i.e.
address, telephone number, banking details, etc. changes.

Cession of Agreement
You hereby allow the administrator to yield, assign, and transfer or sign over any or all
of its rights and obligations in terms of the agreement to a third party, unless it will be
to your detriment.

Outsource of Functions and Duties

The administrator will also be entitled to subcontract or outsource any of our duties,
responsibilities, or obligations in terms of this agreement to a third party.

Sharing of Information
It may be required to share your insurance information within the industry to gather
industry statistics, to improve the quality of risk assessment and to prevent fraud.

We may provide your personal information to our service providers who assist us
in managing your cover and our relationship with you. This will always be done as
permitted by the relevant privacy legislation.

No Legal Relationship
You have no legal relationship with the administrator, other than being bound by these
terms and conditions and consequently, to receive payment you may be
entitled to.

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 GENERAL TERMS & CONDITIONS

Legal Proceedings
The interpretation, construction and effect of this Agreement will be governed and
construed in all respects in accordance with the laws of South Africa. The High Court
of South Africa, Western Cape Division (Cape Town) will have exclusive jurisdiction to
settle any dispute which arises out of or in connection with this Agreement and the
Parties hereby agree to submit to the jurisdiction. Notwithstanding the aforesaid, the
Parties may elect to submit any dispute to the Magistrates Court.

Amendments or Variations
Any changes, substitutions, deletions, additions or variations to this agreement will
only be binding if recorded in writing and agreed to by both parties.

Waiving Provisions
If either party to this contract chooses to waive (i.e. not exercise) any of the provisions
of this agreement, it must be done in writing and signed by that party.

Exercising Rights
It may happen that, for whatever reason, one of the parties fails to exercise their
rights in terms of this agreement, or chooses not to. When this occurs, it should not
be interpreted as meaning that these rights have been forfeited or waived, or that the
agreement is no longer binding.

Legal Costs
The defaulting Party shall be liable for all legal costs (including attorney and own
client costs and collection commission) incurred by the aggrieved Party in enforcing
any of its rights in terms of this Contract.

Invalid Provisions
If any part of this agreement is found to be invalid or unenforceable, it will be deemed
to be deleted without affecting the rest of the agreement.

We Can Say No
As the administrator of this plan we may decline to accept a vehicle or client. If we do
decline, we will refund the full payment.

Fraud and Dishonesty

If you or any entity acting on your behalf submit any fraudulent information or
documentation, your claim will be rejected, and plan cancelled with immediate effect.

Other Service Plans, Maintenance Plans, Insurances or Warranties

If there are other plans in force at the time of a claim covering the vehicle for a similar
breakdown or failure, we will not accept liability for the costs of repairs or replacement
of claimed components.

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 GENERAL TERMS & CONDITIONS

Rights of the Finance Company

If the payment was financed by a finance company, the finance company has first
rights to payment from cancellation of this plan. We will refund any payments due to
the finance company first, if applicable, before any refund that may be due to you is
made.

Territorial Limits for Breakdowns

This plan will apply only to your vehicle when it is in the Republic of South Africa
(RSA), Namibia, Zimbabwe, Swaziland, Lesotho and Mozambique. All breakdown
claims payments shall be in South African currency and paid into a bank account held
in South Africa.

Territorial Limits for Servicing

This plan will apply only to your vehicle when it is in the Republic of South Africa
(RSA). All Service & Roadside assistance claims payments shall be in South African
currency and paid into a bank account held in South Africa.

Value Added Tax (VAT)

All monetary amounts include VAT, at the ruling rate.

Vehicle Damage
If your vehicle is involved in an accident, you will only be able to claim once all the
damage sustained is repaired. the administrator reserves the right to cancel your plan
if the workmanship or parts used do not meet the manufacturers requirements.

Total Loss (Written Off or Stolen Vehicle)

If your vehicle is stolen or damaged beyond repair during the cover period of this
agreement, you must notify us within 30 days of the loss.

No Waiver
We and our service providers agree to make every effort to provide the benefits
described in this policy, but we are not responsible for theft, delays, personal damage,
resultant or consequential loss from the performance or inability to perform these
services.

Repair Work in Excess

Where the vehicle requires work to be done in excess of that which the administrator
deem necessary to rectify the fault, the difference in cost will be borne by you.

Recovery of Damaged or Replaced Parts

In the event of a valid claim where replacement parts are fitted, the administrator
reserve the right to recover the damaged parts or components as salvage. Claims
authorisation may be subject to the recovery of the damaged parts or components.

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 GENERAL TERMS & CONDITIONS

Retail Value
The value of the vehicle is to be determined at the date of purchase of this policy.
If the retail value of the vehicle is required, the administrator will make use of
TransUnion to determine the vehicles retail value.

Right to Move the Vehicle

The administrator reserves the right to move your vehicle to a preferred agent should
we believe this to be in the best interest of ourselves or yourself.

Repayment Increases
Should it be deemed necessary we reserve the right to increase your repayment
amount in order to counter higher than normal inflation and currency volatility.

Countries Where you May Service your Vehicle

This plan will apply only to your vehicle when it is in the Republic of South Africa.
All claims paid shall be in South African currency, and paid into a bank account held
in South Africa.

Benefit Expiry
The benefits of this plan will expire once you have made use of all your services and
you have completed your repayment period. All benefits expire 6 years after the
inception date of the plan.

Claims Assessment
All claims are assessed at date of claim. This means your vehicle's age, odometer,
service history and various other factors are considered when servicing your vehicle.

Cost of Servicing
We will only authorise market related charges for components and labour covered
under this plan.

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PLAN STRUCTURE
Your plan may be paid for with one single payment or paid monthly over a set number
of payments, known as the repayment period.

Repayment Period
The repayment period is the number of payments required until the plan is paid
up. The repayment period is limited to a maximum of 3 years (36 payments). Your
repayment period and number of services included will be indicated on your Plan
Schedule.

When Does My Plan Begin?

The date your plan begins is known as the inception date or cover start date. This is
the date which is agreed at the time of sale.

Waiting Period
The waiting period applicable for your plan will be indicated on your plan schedule
and is measured from the inception date. This is applicable to the service plan
contract and excludes the optional Microvaps.

Factory Service Plan or Maintenance Plans

This plan does not replace any factory plans but will add to it in terms of time and
kilometres for a specified duration as discussed and agreed by the owner of the
vehicle and the

Additional Services or Adjustment of Repayment Period

The administrator reserves the right to adjust your repayment period should it be
required due to an increase in the frequency of services required. This means that
should you require more than your allocated services per 12 month period we may
reduce your repayment term so that your last service will occur nearer to your last
repayment.

This includes letting us know should your circumstances change and your kilometres
travelled increase so that your services become due sooner than originally planned.
The administrato will offer you the choice of including additional services on your plan,
should you decline, we will then adjust your repayment period accordingly.

Cancelling Your Plan

The benefits of the plans will cease immediately upon the date that the written or
verbal notice is given.

In the case of Fully Paid Up plans:

• You can cancel the plan at any time in writing to us by giving 30-day’s notice.

• We can cancel or amend your plan by giving you 30-days’ notice.

• If you or we cancel the plan we will deduct a pro-rata portion of the cost for the
time on plan and the associated administrative costs related to the acquisition,
claims and termination of the plan.

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 PLAN STRUCTURE

In the case of plans that are paid off Monthly:

• If you have not made any claims against the plan you may cancel the plan with
immediate effect.

• If there have been claims against this plan, a minimum cancellation fee of R1000
is payable. The cancellation fee will be calculated by taking the total amount
of claims paid, administrative costs and cancellation fee less the total payment
received.

• There are no refunds payable on plans paid monthly.

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YOUR RESPONSIBILITIES
Vehicle Servicing
You must have your vehicle serviced as per the manufacturer’s specification in order
to ensure your vehicle is in optimum running condition and it also helps to identify and
correct potential mechanical failure before it occurs.

Vehicle Inspections
An approved the administrator inspection may be required prior and during the
contract period. Any faults and damaged parts that are indicated on the inspection
will not be covered. Proof of repairs must be sent to the administrator before cover
will be granted for the items noted as damaged. If your vehicle is found to be
modified, the contract will be cancelled with immediate effect and you will be held
liable for the cost of cancellation.

Due Care
You must take all reasonable measures to avoid any deliberate risk and minimize any
further loss or damage to your vehicle in the event of any occurrence which may lead
to a claim or loss.

You must comply with the instructions in the OEM manual relating to the use, care and
maintenance of your vehicle.

Paying For Your Plan

Your payment must be paid in order to enjoy the benefits of this plan. If you
purchased a monthly plan, your payment must be paid monthly to be covered.

Should you reach the end of your benefits due to the kilometres being reached it is
your responsibility to continue the monthly payments until the agreed payment term
is completed.

Missed Payments
You will have a 15-day grace period from the date of your missed payment to make
payment.

• If you miss a payment, you will need to make a payment arrangement to ensure
your plan is brought up to date.

If you require a service during this period, you will not be able to claim for a
period of 5 days, after the payment has been received by the administrator.

• If you miss 2 consecutive payments, we will no longer debit your account and you
will be required to make a payment arrangement or pay the cancellation fee in
order to cancel the plan.

Important
Missed payments will incur additional penalty charges payable by the planholder.

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 YOUR COVER
The service plan is a convenient way to budget for service costs to your motor vehicle
ensuring you need not worry about future costs that you may not have budgeted for.

Cover Types
This plan provides 2 types of cover options, Standard and Premier. Your chosen cover
option will be indicated on your plan schedule.

Standard cover will cover the cost of servicing your motor vehicle at a RMI or MIWA
accredited service provider, excluding Manufacturer Franchised service providers.

Premier cover will cover the cost of servicing your motor vehicle at a RMI or MIWA
accredited service provider, including Manufacturer Franchised service providers.

Service Items Covered

The items covered by this plan can be found under the "Service Items Covered"
section.

Number of Services Covered

The number of services covered on your plan is specified on your plan schedule. The
first service and last services covered will also be specified on your plan schedule.

Types of Services Covered

Your vehicle is covered for both major and minor services of the items specifically
listed under the "Service Items Covered" section.

This plan covers the services as specified by the manufacturer for the selected time
period or kilometres covered, whichever occurs first.

Brake Fluid Services

Brake fluid services are covered on this plan if they fall in-between major and minor
services covered on your plan and only if requested by your vehicle’s onboard
computer. You are limited to one brake fluid service for every 3 services that is
covered on your plan.

Servicing Grace Period

Your vehicle must be serviced as per the manufacturer’s recommendations and on
time. A variance of 1 000km or 30-days will be allowed. Any services outside of this
will incur a penalty determined using the table below.

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 YOUR COVER

EARLY OR LATE SERVICING SERVICE PENALTY PAYABLE

More than 1000km or 30 days 10% of Claim Min, R250
More than 2000km or 60 days 20% of Claim Min, R500
More than 3000km or 75 days 30% of Claim Min, R750
More than 4000km or 90 days 40% of Claim Min, R1000
More than 5000km or 105 days 50% of Claim Min,R1500

Approved Service Centres

Services may only be carried out at any registered RMI or MIWA approved service
centres. If you have purchased the Premier Cover option, you may also service your
vehicle at a Manufacturer Franchised service centre.

Monthly Claim Frequency

If your plan is paid monthly, you will only be eligible to claim as per your plan's
intended claim frequency. This is applicable from your 2nd claim onwards.

Your plan's claim frequency is determined by taking the number of services divided by
the repayment period. Your plan’s claim frequency is stipulated on your plan schedule.

Specific Claim Limits

Spark Plugs, Petrol & Diesel filters are limited to 1 claim per 45000km.

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 SERVICE ITEMS COVERED

Spark Plugs Transmission Fluid

A spark plug is a device in an engine This is a fluid used to lubricate
that produces an electrical spark that the components of a vehicles
ignites the fuel and makes the engine transmission for optimum
of the vehicle start and also continue performance.
running.
Brake Fluid Top Up
Engine Oil Brake fluid is the liquid used in a
Engine oil is used to lubricate internal hydraulic brake cylinder.
moving parts of the engine.
Engine Cleaner
Air Filter Engine cleaner is a detergent which
The air filter is an apparatus placed cleans dirt and other particles on the
between the air intake and the engine external surfaces of the engine.
of an automobile that removes
impurities from the air before it is Consumables
mixed with the fuel. A device for Consumables are goods used by
filtering particles from the air passing individuals and businesses that must
through it, especially one protecting be replaced regularly because they
the air inlet of an internal combustion wear out or are used up. Examples are
engine. cloths. Consumables are covered up
to a maximum of R100 per service.
Oil Filter
The oil filter is a filter that removes Labour
impurities from engine oil. This refers to the tasks performed
by the service technicians in order to
Sump Plug complete the service required on your
The large bolt or plug that secures vehicle.
the drain hole in the oil pan. It is fitted
with a gasket or o-ring to prevent
leakage. A maximum of R100 per
service is payable for these items.

Petrol or Diesel Filter

This is a filter in the fuel line that
screens out dirt and rust particles
from the fuel.

Pollen Filter
This is a filter that cleans air coming
into the car from outside of the
vehicle.

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OPTIONAL COVER
The following are optional and provide additional cover if included in your plan.

CAMBELT COVER
The cambelt is included only if the cambelt cover has been selected and noted on
the schedule as being covered. This means that your cambelt service will be covered
when due as per the manufacturer. We will cover the cost of the replacement of the
cambelt, tensioner and labour only. Any additional components are not covered.

Did you know?

A Cambelt service can be very expensive, however failure to have it serviced and
changed as per the manufacturer's recommendation can result in your vehicle
experiencing costly mechanical failure. In this event, it is unlikely that a mechanical
warranty will cover this failure as your vehicle will no longer have been serviced as per
the manufacturer's recommendation.

BRAKES & WIPERS COVER

This will cover the labour and cost of replacing the items listed in the table below

ITEMS COVERED DESCRIPTION WAITING PERIOD

A brake pad is a thin block that presses
25 000km and
Front & Rear Brake Pads onto the disk in a disk brake in order to
8 months
make a vehicle go slower or stop.
The brake sensor is normally attached
to the brake pad itself. The brake
sensor itself is normally a wire that is
encapsulated by a plastic compound.
Front & Rear Brake 25 000km and
Once the compound wears down to what
Sensors 8 months
is considered a minimum wear level on the
brake pads, the metal wire makes contact
with the metal brake rotor, creating a light
to display on the car's dash.
A wiper generally consists of a metal
arm, pivoting at one end and with a long
rubber blade attached to the other. The
Front and Rear Wiper
arm is powered by a motor and the blade 4 months
Blades
is swung back and forth over the glass,
pushing water or other precipitation from
its surface.

Claim Limit
There is a limit of 1 claim per item per 45 000km period.

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 OPTIONAL COVER

EXTRA MAINTENANCE COVER

This cover will provide additional funds for your vehicle’s servicing and maintenance
and may only be utilised when the vehicle is booked in at an authorised service centre
for a Service or Maintenance covered by this plan.

Maintenance Items Covered

This cover section will replace any item, part, fluid or component within your vehicle
which requires replacement or repair as a result of wear & tear from normal use.

Cover Limit
The maximum amount covered per claim is set out in the plan schedule.

Claim Limit
There is a limit of 1 claim per service.

Not Covered
This cover will not replace any item, part, fluid or component which does not require
replacement and will not pay for any changes to the vehicle which alter the vehicle
from factory specification.

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ROADSIDE ASSISTANCE
In the event of a breakdown the following additional benefits are available to you.

Roadside Assistance Towing

In the event of a breakdown of the planholder vehicle, we will arrange for the towing
of the vehicle to the nearest competent repairer up to a maximum of 50km or your
plan's cover limit, whichever the lesser.

Competent repairers are defined as Franchise Dealers or RMI (Retail Motor Industry)
registered facilities.

Towing and services arranged through any service other than the administrator
Authorised Roadside Assistance is not covered under this plan.

24 Hour Roadside Assistance Number: (010) 211 5725.

Overnight Accommodation
If your breakdown is more than 100km from your home, we will reimburse you on
receipt of your accommodation invoice and proof of payment. This benefit only
applies if the failure is covered by this plan.

Additional Services offered

The call out of the following services is covered exclusively using the administrator
roadside assistance service up to the limit provided.

• Changing of flat tyre – Call out only.

• Out of fuel – Cost of fuel is for your own account.
• Jumpstart – Limited to 2 call outs per year.
• Mobile battery replacements – Cost of the battery is for your own account.

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 HOW TO CLAIM
If you pay monthly, ensure that your plan's waiting period has passed before you
attempt to lodge a claim.

Did you know?

If this is the first service on your plan, you will be required to sign a document to
acknowledge the terms and conditions of this contract.

Step 1

Notify us of your Service Requirement.

Contact our bookings department and notify us of your vehicles requirement for a
Service.

CLAIMS DEPARTMENT CONTACT DETAILS

Switchboard 087 2323 494
Roadside Assistance 010 211 5725
Online Claims www.mvia.insure/claims
Email Address [email protected]

In order to process your booking we will require the following information:

• Your completed inspection

• Your Preferred Service Centre
• Your Preferred Service Date and Time
• Your Vehicles Current Odometer Reading

Step 2

Our bookings team will then make contact with your preferred service centre and
process the booking.

• If we are unable to make your booking on your selected date and time, we will
obtain various options and provide these to you.

Step 3
Once your booking is confirmed, we will provide the Service Centre with an
authorisation for the service.

• If there is any additional work required, the Service Centre may contact the claims
department for authorisation on the additional work.

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 HOW TO CLAIM

Step 4

1. Once servicing has been completed a final invoice must be sent to the
administrator.
2. The invoice must be made out to the administrator as per the authorisation letter
provided, in order for payment to be made.
3. the administrator will pay the workshop directly.

Important
No servicing may begin before authorisation is received.

Any service carried out without prior authorisation will not be covered under this plan.

The administrator payments are usually paid within 24hours. This can be influenced by
Public Holidays and Weekends.

Any other costs outside of the service we authorise will be for your account and the
workshop will need to obtain authorisation from you for this additional work. The
administrator will not give authorisation for any other work outside of this agreement.

All the details for the administrator appear in your transaction report and within this
document the administrato must give authorisation before any work may go ahead.

The administrator will pay the workshop directly and cannot be held responsible
should the servicing dealer choose not to release the vehicle to you for whatever
reason.

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 NOT COVERED
Nuclear Risks
Loss, damage or liability directly or indirectly caused by, or arising from, ionising
radiation or radioactive contamination from any nuclear fuel or from any nuclear
waste arising from burning nuclear fuel, or the radioactive, toxic, explosive or other
dangerous properties of any explosive nuclear equipment or nuclear part of that
equipment.

War and Public Disorder

Any loss, damage or liability caused by civil commotion, riot, strike, war, mutiny,
military rising, martial law, rebellion, revolution, any act in protest against any State,
Government or any Government body.

Events Beyond Our Control

If such an event happens and it prevents the administrator from carrying out their
contractual duties in terms of this plan, the administrator will be released from all
contractual obligations towards you in terms of this plan. However, the administrator
will pay you a pro-rata refund, taking into account all commissions, administration fees
and costs of labour and parts.

You or any party acting on your behalf may not hold us responsible for:
1. Any damage, destruction, loss or theft of your vehicle or its contents as a result of
the service of your vehicle by the approved service provider.
2. Any injury, disability or loss of life suffered by you or any of your passengers
or any pedestrian or driver of another vehicle as a result of the service of your
vehicle by the approved service provider.
3. Any loss of income, or loss of or payment of any money, by you or any of your
passengers or any pedestrian or driver of another vehicle as a result of the service
of your vehicle by the approved service provider.

You are not covered for the following with regards to your vehicle:
1. Components that were broken or had failed before the plan started.
2. Components specifically excluded by the original manufacturer’s warranty.
3. Repairs or any work that have not been authorised by us.
4. Any repairs or servicing of the vehicle, if the odometer is not working or has been
changed in any way or has been disconnected or replaced without our authority.
5. Any damage resulting from oil leaks or for oil leaks themselves.
6. Damage caused by incorrect lubricants, fuels, unreasonable use, improper
servicing or malicious damage.
7. Damage caused by a road accident. This is not comprehensive insurance.
8. Damage to vehicles that have been altered in any way from the manufacturer’s
specifications even if the alteration is not applicable to the failure.
9. Towing costs where you have not arranged towing through the administrator as
stipulated.
10. Abuse or Negligence of any kind.
11. Any components or parts that are not listed under the list of benefits.
12. Any components or lubricants not due for replacement as per the manufacturers
specifications.

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OPTIONAL TYRE PROTECT
This cover is only available if you have selected one of the options and have paid the
fee accordingly. This cover is an insurance product.

Benefits
You are covered for damage caused to your vehicle's tyres, which are fitted to the
insured vehicle and in use, as a result of an unforeseen road hazard. These road
hazards are defined as potholes and foreign items in a normal national or domestic
maintained road.

Cover Limit
The maximum amount covered per tyre is set out in the policy schedule.

Claim Limit
You are limited to a maximum of 2 tyres per 12-monthly payments received or
12-month period.

Waiting Period
Under this plan there is a specific waiting period of 30-days. Damage occurring during
or before this period is not covered.

Betterment
Betterment will apply to all tyre claims. Liability for passenger vehicles can be
determined using the table below.

Important
Betterment for all other types of vehicles, is determined by calculating the percentage
of used tread.

LOWEST TREAD DEPTH LIMIT OF LIABILITY

8 mm 100%
7 mm 87.5%
6 mm 75%
5 mm 62.5%
4 mm 50%
3 mm 37.5%
2 mm 25%
1 mm 12.5%
Less than 1 mm No Cover

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 Not Covered under Tyre Protect
1. Tyres fitted on vehicles used for commercial purposes.
2. Safety devices built into or fitted in a tyre or tyres.
3. Flat tyres caused by anything other than a road hazard.
4. Damage to tyres as a result of driving while a tyre or tyres are deflated or over
inflated.
5. Damage to tyres that have a tread depth of less than 1mm at any point.
6. Damage to tyres fitted to a vehicle used for racing, pace setting, speed testing,
reliability trials, hire or reward, off-road activities, dispatch or courier services, or
driving tuition, or taxi services.
7. Damage caused by or resulting from an accident involving the motor vehicle on
which the tyres were fitted.
8. Damage to rims or mags fitted on or in the tyre.
9. Liability to third parties, or third-party property damage.
10. Stolen tyres are not covered.
11. Fitment of the tyre.
12. Wheel alignment.
13. Wheel balancing.

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OPTIONAL SCRATCH & DENT
This product is only available if you have selected one of the options and have paid
the fee accordingly. This cover is not an insurance product.

MAINTENANCE COVERED DESCRIPTION COVER LIMIT

One scratch up to 100mm that has not
penetrated the paint work and clear coat
and is repairable by touch up, polishing or
Scratches & Dents R3000
buffing only. Limited cover for dents up to
50mm in diameter that can be repaired by
Paintless Dent Removal method only.

Important
Any damage as a result of a vehicle accident is not covered. This scratch and dent
plan is a limited body maintenance plan, not vehicle insurance.

Cover Limit
The maximum value allowed in this section is R3 000 per vehicle.

Approved Repair Methods

Paintless dent removal, touch up, polishing, and buffing are the only approved repair
methods.

Not Covered
If the maintenance required is not repairable using the methods mentioned, then there
will be no claim against this plan.

Pre-existing damage is not covered.

Hail damage is specifically excluded.

Waiting Period
Under this plan there is a 30 day waiting period irrespective of inspection.
Damage occurring during or before this period is not covered.

Claim Limit
You are limited to 2 claims per 12-monthly payments.

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 OPTIONAL ENGINE WARRANTY
This cover is only available if you have selected one of the options and have paid the
fee accordingly. This cover is an insurance product.

Insured Event
This policy provides cover in the event of a sudden and unforeseen mechanical failure
of the insured vehicle. Pre-existing damage is not covered.

The insured vehicle is covered for the cost of repair or replacement of components
specifically listed under “Components Covered” section.

Failure as A Result of Wear and Tear

In the event of failure of a covered warranty component as a result of wear and tear
this benefit will provide cover up to 50% of your plan limit or the quoted amount
whichever is the lesser.

Any failure as a result of wear and tear which occurs within 10 000km of the
odometer reading at time of purchase of this product will be deemed to be
pre-existing damage.

Component Covered
Only the component listed below is covered under this plan.

COMPONENT COVERED DESCRIPTION COVER LIMIT

All internal mechanical components within
tappet cover and sump.

Excluding: decarbonisation, burnt valves,

dropped valves, noisy cam gears and
Engine R10 000
blown cylinder head gaskets, overheating,
under and over fuelling. Specifically
excluded are any external components
variable valve timing gears/ Vanos units
and bent valves

Vehicles Covered
The major component warranty covers passenger vehicles, including 4x4s and utility
vehicles with a maximum gross vehicle mass (GVM) of 5 000kg.

Cover Limit
The individual cover limit for each component is stated under the components
covered section. Regardless of the number of claims - the maximum total amount
payable under this policy shall not exceed the current market value of the
insured vehicle.

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The Waiting Period
There is a 90-day waiting period before a claim will be considered. Damage occurring
during or before this period is not covered.

Betterment
If your claim is valid, it is not our aim to put your vehicle in a better condition than
before the claim.

Where replacement parts are fitted and this results in your vehicle being in a better
condition than it was prior to the breakdown, you will be required to pay towards
the cost. An example would be where new parts or components are fitted due to the
unavailability of parts in a similar condition to those which have failed.

The betterment percentage is calculated using your vehicles age, measured from date
of first registration, and the total distance travelled from date of first registration.
Vehicles less than 4-years old and which have travelled less than 120 000km will have
no betterment applied. Vehicles older than 4-years or with more than 120 000km will
have 10% betterment applied. The percentage applied will increase by 5% for each
additional year or 20000km travelled. This is the percentage for which you will be
held liable and is determined at time of claim.

Resultant Damage
Resultant damage is not covered under this policy. Meaning that we will not pay for a
failure, if caused by anything other than the covered component.

More Than One Failure at The Same Time

Any number of failures that happen or are reported at the same time will be treated as
one claim. In this event, we will authorise the more expensive component and the rest
of the costs will be for your account.

Wear & Tear is not covered

Unfortunately, vehicle parts do not last forever no matter how well they were made.
This gradual wearing down of parts is known as wear and tear and occurs during the
use of a vehicle. Wear and tear being unavoidable, and a certainty is not covered. This
means should a component be worn, and failure not occur, this will be considered
required vehicle maintenance.

No Underlying Warranty
If you do not have an underlying warranty, this plan will provide cover limited to the
amounts provided in the components covered section.

Underlying Warranty
In the event of a valid claim on your underlying mechanical warranty’s engine benefit,
this product will boost your cover by the amount authorised on your underlying policy
or this policy's limit, whichever is the lesser.

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 How Does My Service History Affect My Plan?
Your responsibilities with regard to servicing your vehicle are set out below.

• If your vehicle has a Full-Service History

If your motor vehicle has a full-service history, it must continue to be serviced and
maintained as per manufacturer’s specifications.

• If your vehicle does not have a Full-Service History

If your vehicle, at time of purchase of this warranty, does not have Full-Service
History the vehicle must be serviced, and your service history must be brought up
to date at your own expense.

Thereafter the vehicle must be serviced as per the manufacturer's recommendation,

which is typically annually or after the vehicle has travelled a specified number of
kilometres or when instructed to do so.

The cover for vehicles which do not have a full-service history at the start of the plan
will be halved for the first 6 months. This means a maximum of 50% of the amount
normally authorised is payable in the event of a valid claim.

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DISCLOSURE NOTICE
Important information relating to your short-term policy.

Please do not sign blank or incomplete forms.

If anyone completes or submits any transaction requirement on your behalf you must
satisfy yourself of the accuracy and completeness of the information provided.

You have the right (on request) to a copy of any transaction requirement submitted.
You have an obligation to disclose material information.

Where applicable, you have the right to request for recordings of any telephonic
disclosures. All material facts must be accurately and properly disclosed.

Material information is all the necessary information you must give us so that we
can accurately assess the risk, determine the premiums, terms & conditions that we
apply to your policy. You remain responsible for the accuracy and completeness of all
answers, statements or other information provided by or on your behalf.

If you do not give us full and correct information and the correct information
determines that we would not have accepted the risk had we known the true facts,
we may treat this insurance as though it never existed and decline all claims. We will
return your premiums to you, less any amounts you owe us.

You have an obligation to monitor cover and you must review and update the cover
periodically to ensure it remains adequate. You have the right to request recordings of
any telephonic disclosures (if they are available)

You have a 14 day cooling off period (for policies with a term of longer than 31 days).
You need to email us if you want to exercise this cooling of right.

You are also entitled to a 15 day grace period upon taking up this product.

Email us at [email protected]
How to submit Call us on (087) 2323 494
a claim
Visit www.mvia.insure

How to contact Email us on [email protected]

us Call us on (086) 076 7252

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 You Have The Right To Complain

If you are dissatisfied with the financial services provided to

you, you have a right to complain. The details for the relevant
complaints departments and process is detailed below. Please
put your complaint in writing.
How to submit You can email the administrator on [email protected].
a complaint Alternatively you can email the Insurer on
[email protected] or call us on 0860 634 357.
The Insurer’s complaints policy which can be found on the
website explains what you need to know about submitting a
complaint.

Email: [email protected]
How to contact Telephone: 011 726 8900 / 0860 726 890
the Short-term Fax: 011 726 5501
Ombudsman Physical address:1 Sturdee Avenue, 1st Floor, Block A,
Rosebank, Johannesburg, 2196
Postal Address: PO Box: 32334 Braamfontein, 2017

Email: [email protected]
Telephone: 012 762 5000 / 012 470 9080
How to contact Fax: 012 348 3447 / 012 470 9097 / 086 764 1422
the FAIS Physical Address: Kasteel Park Office Park, Orange Building,
Ombudsman 2nd Floor, 546 Jochemus Street, Erasmus Kloof, Pretoria,
0048
Postal Address: P.O Box 74571, Lynnwood Ridge, 0040

How to contact Email: [email protected]

the Financial Telephone: 0800 20 37 22/ 012 428 8000
Sector Conduct Fax: 012 346 6941
Authority (FSCA) Postal Address: P.O. Box 35655, Menlo Park, 0102

You can access the Insurer's Complaints, Conflict of Interest

Our policies or Privacy Policy on www.oldmutual.co.za/insure on the
"Contact Us" page.

How to contact Email us on [email protected]

the Insurer’s
compliance Call us on 011 374 9111
department

30 of 32
 Nature Of The Relationship Between The Parties And Remuneration Arrangements

Mutual & Federal Risk Financing Limited

Registration Number: 1966/10741/06
Contact details: 011 374 9111
Physical Address: Old Mutual Insure, Wanooka Place, St
The Insurer Andrews Rd, Parktown, Johannesburg, 2193
Postal Address: PO Box 1120, Johannesburg, 2000
www.oldmutual.co.za/insure
The Insurer is an authorised Non-Life Insurer.

FSP Number: 45790

Tel: (087) 2323 494
Fax: (086) 657 0077
Email: [email protected]
Web: www.mvia.insure
The Binder Holder Physical Address: Suite 203b Tokai Village Centre, Vans Road,
Tokai, Cape Town, 7945
Registration Number: 2012/201128/07
Registered as a Financial Services Provider
Compliance Department: Email: [email protected]
Contact them on (012) 998 7938

Professional Indemnity, Fidelity Insurance & Guarantees held: Yes

The functions of the Insurer are outsourced to the administrator. The binder holder
MVIA a division of FSP 45790 may receive a fee (up to a maximum of 9% (nine per
cent)) of your premium for the outsourced binder services it is authorised to renders
on behalf of Mutual & Federal Risk Financing Limited. This fee does not increase the
cost of your insurance. Furthermore, regulated commission of 12,5% in respect of
motor insurance
and 20% in respect of non-motor insurance is paid to your broker.

The binder holder earns more than 30% of total remuneration from Mutual & Federal
Risk Financing.

The binder holder (or its associate may receive financial benefit in the event that the
policies are profitable to the insurer as part of a cell captive arrangement. In order to
mitigate such potential conflict of interest we continuously monitor our processes to
ensure fair treatment of our policyholders.

31 of 32
 How we use the information we collect
We collect and process your personal information mainly to ensure that all detail relating
to policyholders associated with our broker/administrator is on record. We would verify
that the information provided to us as the insurer is correct at all times.
This would include details relating to your cover and identity as the policyholder. We will
use your personal information only for the purposes agreed with you, including:

1. To provide our products or services to you, and for the effective fulfillment of any
contractual obligations owed by us to you,
2. To comply with legal and regulatory requirements,
3. To comply with industry codes to which we subscribe or which apply to us,
4. To correctly assess your insurance needs in order to provide you with the most
suitable product at the most appropriate price,
5. To adequately fulfill your claims,
6. To conduct credit checks,
7. To confirm and verify your identity or to verify that you are an authorised user for
security purposes,
8. For the detection and prevention of fraud, crime, money laundering or other
malpractice,
9. For debt tracing or debt recovery,
10. To conduct market or customer satisfaction research or for statistical analysis,
11. For audit and record keeping purposes,
12. For the purpose of legal proceedings,
13. When it is otherwise required and/or allowed by law.

Your right to access and correct your information

You have the right to request details of any personal information we hold about you.
To do this, simply view our Promotion of Access to Information (PAIA) Manual which
contains details about the procedure you must follow in order to request access to
information held by us. Please note that any such access request may be subject to a
payment of a legally allowable fee, depending on the nature of the information to which
you require access. To ensure timeous communication and service, please remember to
let your broker/administrator know - if your information changes at any time you have
the right to ask your broker/administrator to update, correct or delete your personal
information. Please contact your broker or administrator telephonically or by way of
written communication for further instructions on changes to your details.

You also have the right to ask us to update, correct or delete your personal information.
You may do this by contacting your broker/administrator. We will take all reasonable
steps to verify your identity before providing any access to information held by us or
making any changes to your personal information. All complaints should be directed
to your insurer as an escalation where the broker/administrator has not successfully
addressed your request. You also have the right to complain to the Information Regulator
should your complaint remain unresolved.
http://www.justice.gov.za/inforeg/index.html.
Telephone number: (012) 406 4818
Facsimile number: (086) 500 3351
Contact Details Email: [email protected]
To view our full privacy notice and to exercise your
preferences, please visit our website on https://www.
oldmutual.co.za/insure/about-us/old-mutual-insure-privacy-
policy

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 OUR PRODUCTS
WARRANTY
CREDIT LIFE
TYRES 4 LIFE
SERVICE PLAN
EXCESS WAIVER
EXCESS ERASER
CAR INSURANCE
SCRATCH & DENT
SHORTFALL ERASER
TYRE AND RIM COVER
ROADSIDE ASSISTANCE

087 150 9701 | motorplandirect.co.za | FSP 46967

Insurance products are underwritten by Mutual & Federal Risk Financing Limited.
Administered by Motorvaps (pty) LTD