Our
Products

Mechanical Breakdown Insurance

This is also called a Warranty product, which is in basic terms, a product/policy which only covers specific listed parts of a vehicle and can be seen as a parts basket warranty. It specifies what parts are covered and the limits paid on these parts are dependent on the age and mileage of the vehicle at time of purchase of the warranty.

When you have a new vehicle, and the manufacturer’s warranty is about to run out or has run out, you’re responsible for any mechanical breakdowns your vehicle incurs. That can lead to thousands of Rand in vehicle repairs. Our Warranty product can shield you from those high costs with a vehicle protection plan that will pay the repairer directly for parts and labour.

Bear the following in mind:Future costs - save on long-term costs. Having a vehicle break down is expensive. A motor warranty will help you save in the long term by keeping your vehicle maintained and in a good condition.Safety - knowing your vehicle is running 100%. Knowing wherever you go, you are covered. You don’t want to be stuck with a broken down vehicle having to go to an unreliable repairer. We will keep you protected and secure.

Our used vehicle products will offer you substantial financial benefits in the event of a mechanical or electrical failure. Not only do we cover the major components of the vehicle but also a number of electrical and other components.

Depending on your budget and your needs we have the product for you to ensure many years of happy motoring.

Enquire

Service And Maintenance Plans

Term and Monthly Plans available.

A vehicle needs regular maintenance to keep it running smoothly and on the road. Owning these plans will enable you to maintain your vehicle without the financial worry of a large once off expense.

These plans can be purchased and included in your finance agreement, or on a monthly basis - depending on your need.

A Service Plan in a nutshell only covers the vehicle for standard services as set out by the manufacturer for that specific vehicle. It doesn’t cover any parts over and above all normal service items, e.g. globes, fuses wipers etc.

Maintenance plans covers the vehicle for Services and maintenance repairs on normal wear and tear on a vehicle. It covers items like globes, wipers, fuses as well as engine, gearbox etc. that need replacement or repairs due to normal operational wear and tear.

It does have exclusions like seat covers, body panels, abuse, and abnormal wear and tear.

What does it cover?

  • New vehicles without a comprehensive motor-plan
  • Used vehicles without or an expired comprehensive motor-plan
  • All mechanical aspects of vehicle maintenance
  • Servicing and repairs carried out at RMI service centres (should be at franchised agents for the vehicle or approved repairers appointed by the administrator)
  • Tow-in charges covered (for mechanical breakdown only)
  • Normal operational wear and tear
Enquire

Interior And Exterior Protection

Finding your vehicle or motorbike scratched or dented can be very disappointing and could potentially decrease the resale value of your vehicle or motorbike. The cost for even a minor scratch can amount to hundreds of rands, and rocket to a quite staggering sum depending on the car and its finish.

If you drive a top-of-the-range sports car, for example, you'll know that even a small scratch can come with a sky-high price tag from the repair shop.

We offer a product that will maintain and rejuvenate your vehicle cosmetically on the exterior and the interior. This product will cover small cosmetic repairs such as stone chips, scratches, small dents and scrapes. Unlike your motor insurance, making a claim on this policy will not affect your No Claims Bonus or impact on your insurance claim record

It is designed to help maintain the appearance of your vehicle and to keep it in a good condition which will optimise its resale value.

Enquire

Credit Protection

Credit protection provides cover in the case of death, disability, dreaded disease or loss of income. If a client passes away due to accident or illness or is permanently disabled or suffers from a specified critical illness - *we will settle the outstanding debt on the finance agreement.

Benefits of having a credit protection policy in place

  • Provides ‘breathing space’ during a very difficult time.
  • Protects family and / or policyholder against the added burden of having to repay the finance agreement in the event of personal tragedy.
  • Provides immediate cover (Life only)
  • Claim payment is not subject to normal deceased estate settlement requirements.
  • Removes the burden of motor finance debt from the deceased estate, leaving the funds available in the estate intact to provide for the next of kin, for which it was originally intended.
  • Gives client peace of mind.
  • Avoids having to use existing insurance policies to pay for motor debt. (Life insurance policies are usually bought to cover other financial obligations)
  • Prevents the debt from escalating during loss of income due to temporary disability or retrenchment.
Enquire

Top Up

Top Up Insurance is the difference between the actual cash value of a vehicle and the balance still owed on your vehicle finance agreement.

The purpose of the Top-up product is to protect you from the shortfall between the comprehensive insurance payout and your bank settlement amount. The insurer would pay market or retail value in the event of a total loss of the vehicle (Theft or accident).

We pay the shortfall

The excess payable in terms of the underlying policy, insurance premiums that are refundable, additions added to the credit agreement after its original start date, or underpayments.

Excess Protector

An excess is a contribution you are required to pay towards a claim you make on your car insurance policy. An insurer may have many types of excesses that can apply in different situations or apply concurrently.

When your vehicle is stolen and not recovered or damaged beyond economical repair and is written off, this policy pays a maximum of 10% of the original invoice price of the vehicle including VAT and extras or the actual excess payable whichever is the lesser limited to a maximum of R50,000.

Enquire

Tyre Warranty

The policy covers the cost of the tyre to be replaced up to the maximum benefit as stated and selected when the tyre has suffered irreparable damage as a result of a cut, bruise, impact break or puncture. Subject to the maximum benefit level for which the premium is being paid.

There is free rim cover protection of up to a maximum value of R3000 per annum for one rim repair or replacement.

Unlimited claims! *subject to policy terms and conditions

The value of the claim is not subject to the amount of tread used at claim stage!

NO effect on underlying insurance premiums with NO excess payable!

Enquire