COVER DIRECT OAKHURST MOTORBUNDLE 4 July 2017

SUMMARY OF WHAT IS COVERED Bundle Cover 1. Roadwise Car Warranty (Platinum) 2. Chips and Scratches 3. Tyre and Rims 4. Road Protect

ROADWISE CAR WARRANTY

Summary of Cover This policy provides cover in the event of an unexpected mechanical breakdown or failure for passenger cars and light commercial vehicles. THIS IS NOT A SERVICE OR MAINTENANCE PLAN. The policy will cover the repair or replacement cost for the parts and up to the limits listed in The ‘Schedule of Parts Covered’. The policy will also cover the reasonable cost for the labour, but not the cost to investigate the cause of the fault. The cost of labour is included up to the benefit amount.

Service Requirements There are specific service requirements or the insured will have NO COVER. All vehicles must be serviced according to the manufacturer’s specification. All services and repairs must be done by an approved member of the RMI (Retail Motor Industry) with full repair and service facilities. The client must keep your service invoices. We will ask for proof of the vehicle’s service history at the time of a claim. If the vehicle does not have an up to date service history at the start of the policy, it is the insured's responsibility to have the vehicle serviced according to the manufacturer’s specification within 30 days from the start of the policy.

Qualifying Criteria In order to qualify for cover in terms of this policy, the following must be complied with: At the time of inception of the policy, and at the time of intimating any claim, the insured vehicle: mileage on the odometer must be less than 300 000km’s; AND must be up to and including 15 years of age, AND must be in good mechanical condition; AND must have had and still have a valid roadworthy certificate.

Conditions Clients must notify us within 30 days of the claim. Clients cannot claim within the first 60 days of the policy. The client may not claim from his Platinum cover policy for car hire under the Roadwise Car Warranty policy. Any vehicle covered under this section must be linked to a comprehensive insurance policy.

Conditions The insured vehicle must have a gross vehicle mass of less than 3 500 kg’s for passenger, light commercial and 4x4 vehicles, or must have a gross vehicle mass of less than 10 000 kg’s for a truck in order to be covered under this policy. Under this policy, we DO NOT COVER vehicles used in competitions, modified or rebuilt (code 3) vehicles or vehicles with turbo conversions. We also DO NOT COVER vehicles used for transporting passengers, such as taxi’s and Uber vehicles. Only locally manufactured vehicles and vehicles imported with a minimum of a 12-month local manufacturers warranty will be accepted.

Conditions For new vehicles, the policy will only start once the manufacturers warranty expires. For used vehicles, the policy will start on the date on which it was bought or if there is a manufacturers warranty in force, the date on which the warranty expires. The client is NOT covered for the cost of servicing his/her vehicle, for any routine maintenance or for accident damage. The client must take all reasonable steps to prevent damage to all parts covered by the motor warranty policy. The client must also keep his/her vehicle in a good and working condition.

Conditions The transportation cost benefit of up to R1 240 will only be paid out in the event of a valid claim being registered and proof of such payment being sent to us. In the event of an unexpected mechanical breakdown the client may arrange alternative transport to get to the nearest ‘safe-house’ at their own expense. Upon a valid claim being registered and proof of payment for alternative transport is received by us, we will reimburse the client up to a maximum limit of R1 240. (If the client paid R600 for alternative transport, we will only reimburse R600)

Conditions The tow in charges benefit of up to R1 240 will only be paid out in the event of a valid claim being registered and proof of such payment being sent to us. In the event of an unexpected mechanical breakdown the client may arrange to have his/her vehicle towed to the nearest ‘safe-house’ at their own expense. Upon a valid claim being registered and proof of payment for tow-in charges is received by us, we will reimburse the client up to a maximum limit of R1 240. (If the client had to pay R800 to have his/her vehicle towed in, we will only reimburse R800) This policy DOES NOT cover and or include ROADSIDE ASSISTANCE.

We will NOT COVER the cost of repairs or replacement: If the part is not listed in the ‘Schedule of Parts Covered’. If the fault existed before or when the client took out this policy. If the client repairs or replaces something without our permission. If the client's vehicle odometer is not working, or if we believe that it has been tampered with, disconnected or replaced without our permission.

We will NOT COVER the cost of repairs or replacement: If the breakdown is because of an oil leak. We will also not cover the oil leak itself. If the driveshaft or steering rack breaks because of damaged dust covers. If the breakdown is caused by incorrect fuels or lubricants, negligence, any accidents, improper servicing, unreasonable use (including any form of competition) or any malicious damage. If the client has changed their vehicle from the manufacturers specifications.

We will NOT COVER the cost of repairs or replacement: If the breakdown happens because of something else (consequential loss). This includes failure of or damage to any part caused by the failure of a part not covered under this policy such as the radiator, water pump or the thermostat. If the broken part of the vehicle is covered by the manufacturer or the supplier’s warranty when it broke down. If any parts need to be replaced when the client's vehicle is serviced and normally need to be regularly replaced.

We will NOT COVER the cost of repairs or replacement: To/of any burnt valves. If the breakdown is because of faults due to corrosion, rust, lack of anti-freeze, lubricants or hydraulic fluids. If any mechanical failure takes place within 30 days from when this policy started (60 day waiting period). If it is necessary to replace, rather than repair a specific part, we will no longer cover any used (2nd hand) part which was fitted in the client’s vehicle and which has not been fully reconditioned.

We will NOT COVER the cost of repairs or replacement: This policy is not designed to make new vehicles from old. If a repair needs a new unit which in our opinion is more costly than what is necessary to repair the part, the client will be required to contribute the additional cost of repair or replacement. When the client sells their vehicle, it is possible to transfer the policy to the new owner. An application to transfer the policy, as well as proof of vehicle’s servicing history from the start of the policy must be submitted in writing to Oakhurst. We have the right to accept or refuse an application for transfer. It is NOT possible to transfer the policy to another vehicle.

Cover Option & Vehicle Categories PLATINUM A Vehicles less than 5 years of age and mileage not exceeding 110 000km B Vehicles less than 8 years of age and mileage not exceeding 180 000km C Vehicles older than 8 years of age and mileage exceeding 180 000km

Claims Process The client should contact Oakhurst and select the option to register a claim. A consultant will then assist the client with noting the claim. The notification is allocated to a claims handler. The handler calls the client to register the claim. The handler will assist the client and inform them of exactly what information and documentation we require.

Claims Process The client then sends the required documentation to us, which could include but is not limited to quotation, damage report and the service history. An assessor and/or investigator would be appointed on receipt of these documents. The assessor and/or investigator then compiles a report and makes a decision on the claim. The claim is then either settled or rejected based on the information supplied in the assessor’s/investigators report.

Important Notes Client’s warranty option at sign-up will remain the same for the lifetime of the policy i.e. should they qualify for category B on sign-up they will remain on option B for lifetime of policy. Only one claim per claim event will be allowed (benefit limits as per schedule of parts covered. There is a 60 day waiting period on this product i.e. the client cannot claim within the first 60 days of taking out this motor warranty product.

CHIPS & SCRATCHES

Summary of Cover Covers the reasonable repair costs for minor chips, scratches or dents on the insured vehicle. The client can claim up to a maximum of R2 000 per claim, per annum (the damage to the vehicle must be R2 000 or less in total in order to claim). The client must have their vehicle repaired at one of our approved panel of repairers. Any vehicle covered under this section must be specified in the client's policy schedule. We will not cover the cost of repairs if the damage existed before or when the client took out this policy or if the client repairs something without our permission.

NO EXCESS & NO WAITING PERIOD!! Cover Limits A maximum of R2 000 per claim per annum. NO EXCESS & NO WAITING PERIOD!!

TYRE & RIM

What is Covered We will pay the reasonable cost of repair or replacement when the tyres or wheel rims are accidentally damaged due to: inequalities in the road surface (for example potholes); kerb impact or; accidental cuts.

Cover Limits NO EXCESS & NO WAITING PERIOD!! A Maximum of R4 000 per claim for damage to wheels (rim and tyre). A maximum total of R8 000 per annum. NO EXCESS & NO WAITING PERIOD!!

Conditions To have cover for damage to the client's tyres and rims, the damage in total must be less than the maximum limit shown in the client's schedule. We have this rule because this policy is specifically for damage which would normally be excluded or fall within the client's excess under the client's comprehensive car policy. The client must have their tyres or rims replaced or repaired at one of our approved panel of repairers.

How do we indemnify the client? Tyres that cannot be repaired and that still have 75% or more of the original tread at the time of the claim event will be replaced with a new tyre. If the tread on the tyres is less than 75% of the original tread, we will contribute towards the cost of replacement on a pro-rata basis (we will share the cost with the client). For example, if only 60% of the tyres original tread was left on the tyre at the time of the claim event, we will only pay 60% towards the cost of replacing the tyre.

Exclusions If they are covered by a manufacturer or dealership warranty. They are damaged as a results of oxidation or corrosion. They are only scratched or bruised. They are damaged as a result of a road traffic accident covered under the client's comprehensive car policy.

Exclusions They are damaged as a result of fire, flood or hail. They are damaged because the car was mishandled (abused) or was used in racing or rallying or any similar activity. They are damaged because the vehicle was used to tow another vehicle with a weight in excess of the client's manufacturers recommendations.

Exclusions The tread on the tyres are worn and is not roadworthy. They are damaged because the vehicle was overloaded or were carrying more passengers than legally allowed. They are damaged because of improper fitment, misalignment or tyre/wheel assembly imbalance.

Exclusions They are damaged because damage has not been repaired in time, the insured has not regularly checked and maintained the tyres air pressure as recommended by the car and tyre manufacturer and have not regularly checked the tyres or wheel rims for damage, wear patterns, deterioration or piercing with sharp objects.

ROAD PROTECT

ROAD PROTECT Fines protect will work with the client to notify the client of all fines and then provide a quick, easy and painless channel to get these fines paid (at the client’s own expense), with the added benefit of negotiating fine reduction on the client's behalf. Licence Protect will notify the client of any impending vehicle licence (disc) or driver’s licence renewals and provide a timely, easy and painless channel to get these licences renewed (at the client’s own expense) and delivered to the client (at the client’s own expense).

ROAD PROTECT Pothole Protect assists the client in recovering up to 100% of the money that the client has paid out as a result of pothole damages to his/her tyres, mags and rims. Accident Protect provides victims of motor vehicle accidents in South Africa with immediate access to an effective Road Accident Fund (RAF) claims management system that manages the client's claim from start to finish.

Motorbundle Pricing Items 1. Road Protect 2. Chips & Scratches 3. Tyres and Rims 4. Roadwise Car Warranty (Platinum) Total (after discount and incl. broker fee of R29) R399

Thank you