McCarthy Insurance Services

AFFIX SCHEDULE OF INSURANCE HERE

EDITION: JULY 2007

McCarthy EXTENDED WARRANTY

McCarthy Insurance Services

Contents
Page
Foreword

Insurance Statement

Vehicles which are Eligible

Period of Insurance

Policy Benefits

Limits of Liability

Components and Parts Covered

5/6/7

Additional Policy Benefits

8/9/10/11

Exclusions and Items not Covered by by this Policy

11/12/13

McSure Responsibilities

14

Conditions

14/15

Arbitration

15

Owners Responsibilities

15

How to Make a Claim

16

Important Notice
Service Records

McCarthy EXTENDED WARRANTY

17/18/19
20

McCarthy Insurance Services

Foreword
This handbook provides you with comprehensive details of
the McSure Mechanical/Electrical Breakdown Policy.
The cover provides for parts and labour. Cover is subject to
the terms and conditions of this policy, which is
underwritten by McSure Limited. This policy is in force
from the inception date with cover commencing upon
expiry of the manufacturers new vehicle warranty which
runs for a period of 2 years with unlimited kilometres.
This booklet provides important information and we ask that
you read it carefully. Should you have any queries, further
information can be obtained from McSURE LIMITED,
either per telephone 031 268 9301 or facsimile
031 207 3684.
It is important for you to ensure that the details concerning
the insured and the vehicle are correct on the Schedule of
Insurance. The schedule must be attached to the inside
cover of this booklet.
In the event of any details being incorrect or incomplete,
you must contact McSURE LIMITED, either by phone or
facsimile, and advise them of any amendments that are
necessary.
Failure to correct the details could prejudice future claims.
We recommend you retain this policy in your vehicle,
thereby having the necessary schedule of insurance, service
requirements and conditions of cover conveniently
available when required.

McCarthy EXTENDED WARRANTY

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Insurance Statement
McSure Limited
Reg. No. 1997/019461/06

4th Floor McCarthy Centre

203 North Ridge Road
Durban 4001
P.O. Box 794 Durban 4000
Telephone: 031 268 9301
Facsimile: 031 207 3684

In consideration of McSURE LIMITED (hereinafter called

McSure), having received the premium paid by the Insured,
McSure will pay to the Insured compensation as provided in the
policy in respect of the DEFINED EVENTS occurring during the
period of insurance subject to the terms and conditions herein or
endorsed hereon.
McSure hereby appoint McCarthy Motor Holdings Insurance
Broker Services as their agents in respect of this policy.
McSure will be deemed to have accepted the application for cover
in terms of the Schedule of Insurance upon receipt of the
premium by McSures authorised agent.
McSure reserves the right to accept or decline all policies.

Signed on behalf of the Company

CHAIRMAN

McCarthy EXTENDED WARRANTY

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McCarthy
EXTENDED WARRANTY
1. VEHICLES WHICH ARE ELIGIBLE
This policy shall apply to passenger and light commercial
vehicles, petrol or diesel, with a gross vehicle mass not
exceeding 3 500 kg; provided that in every instance
1.1
1.2
1.3

1.4
1.5
1.6

1.7
1.8

the vehicle is sold by an approved McSure dealer;

the vehicle is still subject to the manufacturers new
vehicle warranty at the time of purchase of this policy by
the insured;
in the event of the vehicle being sold as pre-owned, the
insured must ensure that the remaining period of the
manufacturers warranty has been transferred into their
name. Failure to confirm same could prejudice future
claims.
documentary proof of service records (if applicable) as
per the manufacturers requirements are available;
the vehicle has not been altered or modified (including
V.6 and turbo conversions);
the vehicle has not been imported unless originally sold by
an officially appointed franchise holder of the
manufacturing company and having been approved by
McSure Limited;
the vehicle is not operated as a taxi or bus for reward, or
for security response purposes;
the vehicle is not used for racing or rallying;

2. PERIOD OF INSURANCE
2.1

Passenger Vehicles: This policy is in force from the

inception date with cover commencing upon expiry of the
manufacturers new vehicle warranty which runs for a
period of 2 years with unlimited kilometres.

2.2

Light Commercial Vehicles: This policy is in force from

the inception date with cover commencing upon expiry of
the manufacturers new vehicle warranty which runs for a
period of 2 years with unlimited kilometres.

2.3

Transfer of Warranty: This McCarthy Extended Warranty

applies to the original purchaser of this policy, but can
be transferred to one subsequent owner, (subject to the
policy terms and conditions) for the balance of the period
indicated on the Schedule of Insurance, provided that
the vehicle (as defined) has been sold privately or
through your McCarthy Selling Dealer. Application for
transfer of the policy must be made in writing to McSure
Limited, by the original owner. Details of the new owner
and proof of servicing must accompany the application.
N.B: It is not possible to transfer this warranty to another
vehicle.

McCarthy EXTENDED WARRANTY

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3. POLICY BENEFITS
When the manufacturers warranty on your vehicle expires,
McSure will repair or replace the insured components and
parts of the insured vehicle (as defined), which have failed as
a result of a mechanical or electrical breakdown for the
duration of the specified insurance period as per the Schedule
of Insurance.
The term breakdown is deemed to mean the sudden and
unforeseen actual breaking or shorting-out of any of the
covered mechanical or electrical components or parts listed,
arising from mechanical or electrical defect, causing sudden
stoppage of their functions, necessitating repair or
replacement.
These covered components and parts are specified under
sub-paragraphs 5.1 to 5.19 below and McSure will pay the
cost of making good such failure including labour and
replacement parts, subject to the limits of liability as specified.
The cost of labour and replacement parts necessary to carry
out the repairs will be paid in accordance with rates set out in
the current flat-rate manual and the parts list price as
published by the respective Manufacturers.
Authority for the repair must be received from McSure, prior to
commencement.
The component or part must be installed or repaired by either
your Selling Dealer, a McCarthy Motor Holdings Franchise
Dealer or a Manufacturers Franchise Dealer.
This policy does not include cover for servicing costs and the
specified exclusions listed elsewhere in this policy booklet.
These policy benefits are only valid within the area of South
Africa, Namibia, Lesotho, Swaziland and Botswana.

4. LIMITS OF LIABILITY
4.1

The liability limit in respect of any one claim for

repairs covered under this policy, will be limited to the
cost of repair or replacement of the defective part,
including installation costs.

4.2

The maximum limit of indemnity for all claims under

the policy for any one period of insurance will be
limited to the purchase price of the vehicle.

4.3

Limit of indemnity for roadside assistance is R5 000

per annum.

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5. COMPONENTS AND PARTS COVERED

5.1 Engine Components: All internal lubricated parts,
including pistons, piston rings, piston pins, crankshaft
and main bearings, connecting rods and rod bearings,
thrust washers, camshaft and bearings, chains, tensioners
and gears, rocker arms, valves, valve springs, valve
cotters, valve spring retainers, valve guides and seats,
push rods, cam followers, hydraulic lifters and oil pump,
cylinder head(s), engine mounts, exhaust manifolds,
intake manifolds, flexplate, flywheel, ring gear, spigot
bush/bearing, seals and gaskets.
N.B: Engine block, cylinder bores are only covered in the
event of damage occurring as a direct result of a failure
of the above covered parts.
5.2 Manual Transmission: All internal lubricated parts,
including gears, shafts, synchro hubs and rings, bearings,
bushes and internal shift selectors, external shift linkage,
transfer box components, transmission mounts, clutch
master cylinder, clutch slave cylinder, release bearing,
seals and gaskets.
N.B: Transmission/transfer case is only covered in the
event of damage occurring as a direct result of a failure
of a covered manual transmission/transfer box part.
5.3 Automatic Transmission: All internal lubricated parts,
including torque converter, gears, clutches, brake bands,
drums, servos, vacuum modulator, solenoids, bearings,
bushes, oil pump, shafts and valve body, oil cooler,
external shift linkage, transfer box components,
transmission mounts, seals and gaskets.
N.B: Transmission/transfer case is only covered in the
event of damage occurring as a direct result of a failure
of a covered automatic transmission/transfer box part.
5.4 Differential (front, rear, for four wheel and rear wheel
drive): All internal lubricated parts, including crown wheel
and pinion, pinion bearings, spider gears, thrust washers,
pins, carrier housing and carrier bearings, half shafts,
locking hubs, seals and gaskets.
N.B: Drive axle housing is only covered in the event of
damage occurring as a direct result of a failure of a
covered differential part.

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5.5 Trans-axle: All internal lubricated parts, including gears,

shafts, synchro hubs and rings, bearings, bushes, internal
shift selectors, crown wheel and pinion, pinion bearings,
spider gears, thrust washers, carrier housing and carrier
bearings, external shift linkage, transfer box components,
transaxle mounts, clutch master cylinder, clutch slave
cylinder, release bearing, seals and gaskets.
N.B: Trans-axle/transfer case is only covered in the event of
damage occurring as a direct result of a failure of a covered
axle part.
5.6 Propeller Shaft Components: Propoller shaft-tube, universal
joints, front yoke, rear flange and centre support bearing.
5.7 Drive Shafts: All internal lubricated parts of the constant
velocity joints, universal joints and half shafts.
N.B: Half shafts are only covered in the event of damage
occurring as a direct result of a failure of a covered part.
5.8 Suspension Components (front and rear): Upper and lower
control arms, control arm shafts and bushings,
torsion/stabilizer bars, radius arms, upper and lower ball
joints, king pins and bushes, springs, electronic modulated
suspension actuator, seals and gaskets.
5.9 Brake Components: Master cylinder, wheel cylinders,
calipers, servo unit, anti-lock braking system activator,
vacuum pump where fitted, parking brake cable, parking
brake ratchet mechanism, proportioning valve hydraulic
lines.
5.10 Steering Components: All internal lubricated parts of the
steering rack and pinion, or steering box, power steering
pump and reservoir, tie-rod assemblies, idler arm, relay rod,
pitman arm, steering column shaft, steering column
coupling, steering damper, seals and gaskets.
N.B: Steering gear housings, reservoir and pump housings
are only covered in the event of damage occurring as a
direct result of the failure of a covered steering part.
5.11 Fuel System: Mechanical and electrical fuel pumps, petrol
fuel injection pump, diesel fuel injection pump, diesel fuel
lift pump, air-flow meter, throttle body, warm up regulator,
fuel accumulator, fuel injectors, fuel lines, fuel tank,
carburettor, seals and gaskets.

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5.12 Cooling System: Radiator, heater radiator, water pump,

welsh plugs, thermoswitch, thermostat, thermostat housing,
engine fan motor, engine fan viscous clutch, engine fan
blade, expansion bottle, oil cooler, seals and gaskets.
5.13 Electrical Components: Internal failure of alternator, starter
motor, front and rear windscreen wiper motors, windscreen
washer pumps, power door locks (original equipment only),
power window motor (original equipment only), power sun
roof motor (original equipment only), power seat motor,
power mirror motor, cruise control (original equipment
only), blower motor, gauges, relays and manually operated
switches.
5.14 Electronic Ignition: Module amplifier and trigger unit,
ignition coil, distributor, distributor shaft and bushes,
distributor cap and rotor.
5.15 Electronic Computer Components: Engine management
control module and sensors, fuel injection control module
and sensors, transmission control module and sensors,
anti-lock braking system control module and sensors,
variable induction system control module and sensors,
electronically actuated 4WD transfer box control module,
electronically modulated suspension control module, sun
roof control module (original equipment only),
alarm/immobiliser/security system module (original
equipment only), cruise control module and automatic
temperature control module.
5.16 Air Conditioner/Heating: Internal components of compressor
pump, compressor electro-magnetic clutch assembly,
condenser, evaporator, pressure regulator assembly,
expansion valve, heater control valve, seals and gaskets.
5.17 Wheel Bearings: Front and rear hub assemblies, front and
rear wheel bearings, seals and gaskets.
5.18 Turbo Charger/Air Pump: Turbo charger unit (original
equipment only).
5.19 Other: Speedo cable, window winder regulators, door and
boot locks, bonnet and tailgate gas struts.

McCarthy EXTENDED WARRANTY

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6. ADDITIONAL POLICY BENEFITS

6.1

6.2

6.3

6.4

WEAR AND TEAR

Mechanical or electrical breakdown is deemed to mean
the sudden and unforeseen actual breaking or burning
of the components and parts listed, however should the
failure of a covered component or part be attributed to
fair wear and tear (deterioration arising through usage
or age of the vehicle) in the sole opinion of McSure, the
liability benefit in terms of the policy will be limited to
half the repair cost.
OVERHEATING
Where engine failure is attributed due to overheating
occurring as a direct result of a covered component or
part, the liability benefit in terms of the policy for the
resultant engine damage will be limited to half the
repair cost.
TIMING BELT
Where engine failure is attributed due to breakage of
the timing belt, which is subject to the timing belt
having been serviced/replaced as per the manufacturers
requirements, the liability benefit in terms of the policy
for the resultant engine damage will be limited to half
the repair cost.
ROADSIDE POLICY BENEFITS
All assistance is rendered subject to the terms and
conditions of the service provider.
All roadside policy benefits are limited to within the
borders of the republic of South Africa.
Should you require assistance outside of these borders
the service provider will assist you, however, you will be
responsible for all costs.
Roadside Assistance commences from the date of
purchase of the McSure Policy and in the event of a
breakdown the service provider will arrange and pay for:
a) Towing to the nearest McSure approved dealer or
competent repairer; (Towing benefit is limited to
a maximum of R1000 per claim). NB. Any additional
towing costs will be for the policy holders account;
b) Relay of messages to family or business associates;
c) Roadside assistance;
Changing of flat tyres.
Assistance in the event of a flat battery.
Locksmith to retrieve keys locked in vehicle.
Delivery of fuel in the event of your vehicle running
out of fuel.
Cost of delivered fuel is to be borne by the owner.
In the event that you require Roadside Assistance you
must please call the following number 0861 29 33 29
or 011 603 8122 if outside the borders of South Africa.
Note: These benefits will be deemed invalid if not
arranged through the 24 hour call centre of the service
provider.

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6.5 ALTERNATIVE TRANSPORT OR HOTEL ACCOMMODATION

All assistance is rendered subject to the terms and conditions
of the service provider.
Car hire from a recognised car hire company, subject to the
terms and conditions of the service provider (costs incurred
will be confined to rental charges, delivery and collection of
the hire vehicle) and subject to a maximum of R1000 per
claim. This benefit does not cover petrol and is available if
the vehicle is not repaired within 24 hours after authorisation
of the claim.
In the event that you require Alternative Transport you must
please call the following number 0861 29 33 29 or
011 603 8122 if outside the borders of South Africa.
Note: These benefits will be deemed invalid if not arranged
through the 24 hour call centre of the service provider.
HOTEL ACCOMMODATION
Hotel accommodation (for the occupants of the vehicle) will
be covered subject to the terms and conditions of the service
provider, if the breakdown occurs in excess of a 300
kilometre radius from your permanent residence, subject to a
maximum of R1000 per claim. (Up to a maximum of six
persons).
In the event that you require Hotel Accommodation you must
please call the following number 0861 29 33 29 or
011 603 8122 if outside the borders of South Africa.
Note: These benefits will be deemed invalid if not arranged
through the 24 hour call centre of the service provider.
6.6 MEDICAL ASSISTANCE SERVICE PROGRAMME
All assistance is rendered subject to the terms and conditions
of the service provider.
All medical assistance service programme benefits are limited
to within the borders of the republic of South Africa.
Should you require assistance outside of these borders the
service provider will assist you, however, you will be
responsible for all costs.
The service provider will provide you with the following
services as a result of your involvement in a Medical
Emergency, subject to the limits of the Benefit Table. Please
call the following number 0861 29 33 29 or 011 603 8122
if outside the borders of South Africa.
Note: These benefits will be deemed invalid if not arranged
through the 24 hour call centre of the service provider.
6.6.1 Medical Advice and Information Hotline: The medical
personnel, including paramedics, nurses and
doctors, are available 24 hours a day to provide
general medical information and advice. This is an
advisory service, as a telephonic conversation does
not permit an accurate or definitive diagnosis.
ADVICE ONLY
6.6.2 Emergency Medical Advice and Assistance Hotline:
In addition to the general medical advice service,
one call to the same number, will trigger the medical
operators who will guide you through a medical crisis
situation, provide emergency advice and organise for
you to receive the support you need.
ADVICE ONLY

McCarthy EXTENDED WARRANTY

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6.6.3

6.6.4

6.6.5

6.6.6

McCarthy EXTENDED WARRANTY

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7.1.7

Drive Shafts: Protective rubber boots and constant

velocity joints where the protective boots are damaged,
torn or worn, thereby rendering the C.V. joint exposed to
dust, grit and the elements.

7.1.8

Suspension Components: Replacement of struts, shock

absorbers, setting of front or rear wheel alignment, wheel
balancing and external securing bolts.

7.1.9

Brake Components: Brake discs, brake drums, disc pads,

brake shoes and linings.

7.1.10 Steering Components: External damage to steering gear,

reservoir and pump housings, damaged or torn protective
boots, damage to the steering rack as a result of a
torn/damaged protective boot(s), all piping, hoses and
belts.
7.1.11 Fuel System: Fuel system corrosion/contamination, glow
plugs and service related items.
7.1.12 Cooling System: Radiator cap, expansion tank cap,
blocked radiators, hoses, corroded pipes, pulleys and
belts.
7.1.13 Electrical Components: Batteries, globes, lamp
assemblies, wiring and serviceable items
brushes/bushes.
7.1.14 Electronic Ignition: High tension leads.
7.1.15 Electronic Components: Remote control/electronic key
for immobilizer/alarm unit (including battery).
7.1.16 Air Conditioner / Heating: Rectification of gas leaks,
re-gassing of system, receiver dryer unit (maintenance
item), belts, pipes, hoses and service related items.
7.1.17 Wheel Bearings: Failure as a result of accident damage
or lack of lubricant.
7.1.18 Turbo Charger/Air Pump: Failure as a result of not
adhering to the manufacturers operating instructions.
7.1.19 Other: In-car entertainment equipment, glass, tyres,
body, paint, trim and any accessories/components that
do not have prior approval from the manufacturer, or that
have not been installed/fitted by an appointed/approved
installation dealer.

McCarthy EXTENDED WARRANTY

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7.2

Consequential Loss: Any loss, damage or failure to any

covered component or part as a consequence of the failure
of a non covered part, will be limited to the benefits
applicable for the covered components or parts as listed
under section 5.1 to 5.19. (Excluding damage arising as a
result of negligence, ignorance, unreasonable use, illegal
use, use of the vehicle other than that for which the
manufacturer intended it, malicious damage, fire, accident
or road hazard).

7.3

Authority: Any repair costs in respect of repairs that have

been executed without prior authority having been obtained
from McSure.

7.4

Odometer: Any claim if in the sole opinion of McSure, the

odometer has been tampered with, altered by any means,
has been disconnected or has not been repaired
immediately due to malfunction.

7.5

Manufacturer's Warranty: Any component or parts covered

by the manufacturers warranty or that have been the
subject of the manufacturers defects notification recall
programme or which require routine replacement in terms
of the manufacturer's recommendation; or any
manufacturing defect not repaired by the manufacturer; or
any portion of costs of any failure which entitled the
insured to benefits under another written warranty, a service
contract, or costs that would normally be covered by any
other insurance policy.

7.6

Component Failure: Damage or failure of a component or

part arising through the incorrect use of fuels/lubricants or
due to the lack of or contaminated lubricant, improper
servicing, or the use of non-genuine parts, any failure
resulting from the incapacity or failure of any computer,
micro chip integrated circuit or similar operating system
relating to the Year 2000 compliancy problem or from the
fitment of any electrical apparatus not approved by the
manufacturer, negligence, ignorance, unreasonable use,
illegal use, use of the vehicle other than that for which the
manufacturer intended it, malicious damage, fire, accident
or road hazard; or as a consequence of war, invasion, act of
foreign enemy hostilities, (whether war be declared or not),
civil war, rebellion, revolution, insurrection, or military or
usurped power; or arising from any nuclear fuel or from any
nuclear waste or from the combustion of any nuclear fuel;
or arising from pressure waves caused by aircraft or other
aerial devices travelling at sonic or supersonic speeds; or
as a consequence of any natural phenomenon.

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8.

McSURE RESPONSIBILITIES
McSure reserves the right (in its sole discretion) to repair or
replace with new or reconditioned components.
Where the repair requires that new or exchange units which
in the sole opinion of McSure, are in excess of what is
necessary to make good the repair, then the difference in
cost must be met by the insured.1111111
McSure reserves the right to inspect any vehicle or
component.1111111

9.

CONDITIONS
The McCarthy Extended Warranty covers only the vehicle
specified on the Schedule of Insurance, which must be
affixed to the reverse side of the front cover of this policy
booklet.
The policy is subject to the provisions set out in the
Manufacturers Warranty Information and Service Book
(which the Insured will be deemed to have read) and the
following conditions also apply;
9.1

This policy shall be construed and applied in

accordance with the laws of the Republic of South
Africa, the parties hereto agreeing to accept the
jurisdiction of its Courts, original or appellate and in
the event of an appeal to abide by the final decision.1

9.2

If the Insured shall make any claim knowing the same

to be false or fraudulent as regards the amount or
otherwise, the policy shall become void and all claims
hereunder shall be forfeited.

9.3

This policy shall not be valid unless the Schedule of

Insurance can be produced at the time of repair and
presented to the repairing dealer.

9.4

This policy may be cancelled during the period of

insurance, however, a pro-rata premium refund less
reasonable costs incurred shall only be considered on
request for cancellation and will be subject to the
following:
(i)

The request to cancel the policy must be

received in writing by McSure.

(ii) No claims have been submitted or have been

paid under the policy.
(iii) If the policy has been financed by a bank, or
financial institution, or forms part of a
suspensive sale agreement, any approved prorata refund of the policy premium, will be
credited to the respective bank or financial
institution.

McCarthy EXTENDED WARRANTY

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9.5

Payments for liabilities in terms of this policy will be paid

for in South African currency.

9.6

In the event of McSure rejecting a claim and legal action

not having commenced within three months after rejection,
all benefits under the policy shall be forfeited.
In the event that the Insured does not comply with the
policy terms and conditions, then McSure Limited and/or
McCarthy Motor Holdings Insurance Broker Services will
be released from all liabilities and/or obligations that it
may have in terms of this policy and the policy will become
void.

9.7

10.

ARBITRATION
Should there be a dispute concerning any claim under this
policy which the parties cannot themselves resolve, they
will refer it to an independent arbitrator, whose decision
on the dispute shall be final and binding on both parties.

11.

OWNERS RESPONSIBILITIES
11.1 Servicing Requirements: It is a condition of this
McCarthy Extended Warranty that the vehicle
shall be serviced / maintained at the correct
times/kilometres, in accordance with the content
as prescribed by the Manufacturer.
N.B: Servicing/maintenance must be carried out by
either your Selling Dealer, a McCarthy Motor
Holdings Franchise Dealer or a Manufacturers
Franchise Dealer, who must complete the relevant
service schedules as set out in the manufacturers
vehicle Warranty Information and Service Book.111
N.B: A MAXIMUM RUNOVER ALLOWANCE OF
1 500 KILOMETRES, OR 30 DAYS (WHICHEVER
OCCURS FIRST) WILL BE PERMITTED.
11.2 Keeping Service Records: Once the manufacturers new
vehicle warranty has expired. A record of each and every
service, carried out in terms of paragraph 11.1. above,
recording the date of service, job card number, odometer
reading and stamped by the servicing dealer, must be
entered in the service record forming part of this policy
booklet.11
11.3 The original receipted invoices duly signed by the
Insured confirming the services, must be retained and
must be presented in the event of a claim.
Loss or Damage: All reasonable precautions must be
taken to minimise loss or damage.
11.4 Odometer: It is the responsibility of the Insured to ensure
that the odometer of the vehicle is in good working order
at all times.

NON COMPLIANCE OF THE ABOVE RESPONSIBILITIES BY THE

INSURED WILL AUTOMATICALLY RENDER THIS POLICY VOID
AND ALL BENEFITS HEREUNDER SHALL BE FORFEITED.

McCarthy EXTENDED WARRANTY

15

McCarthy Insurance Services

12. HOW TO MAKE A CLAIM

In the event of a mechanical or electrical failure (as defined)
likely to result in a claim under this McCarthy Extended
Warranty, the following procedure must be adhered to:
(i)

The vehicle must be taken to the service centre of your

Selling Dealer, or a McCarthy Motor Holdings Franchise
Dealer or a Manufacturers Franchise Dealer, within 7
days of the failure becoming apparent.1
Note: Should towing of the vehicle be required, please
refer to section 6 Roadside Policy which lists the
procedure for this benefit.
(ii) Provide the dealer service centre with your McCarthy
Extended Warranty booklet, Schedule of Insurance and
the manufacturers Warranty Information and Service
Book.
(iii) The repairing dealer must contact the Claims Office of
McSure Limited prior to the commencement of any
repair work.
(iv) Should it be necessary to dismantle any component to
establish the cause or extent of the damage, it is the
Insureds responsibility to authorise such disassembly
to establish liability.
(v) McSure Limited reserves the right to request that
servicing invoices/receipts be produced and to examine
the vehicle and subject any parts to expert assessment
prior to the authorisation for repairs being approved.
(vi) Any claim that has not been finalised within 45 days of
the occurrence will not be considered.
N.B: Any repair work carried out without prior authorisation
from McSure Limited will render the claim invalid.
INFORMATION NECESSARY WHEN REPORTING A CLAIM
1.
2.
3.
4.
5.

Owner's name.
Policy number.
Current kilometre reading.
Address where vehicle can be inspected.
Service records.

Report Claims to: McSure Limited

P.O. Box 794
Durban 4000
Telephone: 031 268 9301
Facsimile: 031 207 3684

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Important Notice
POLICYHOLDERS INFORMATION
IMPORTANT PLEASE READ CAREFULLY

DISCLOSURE AND OTHER LEGAL REQUIREMENTS

(THIS NOTICE DOES NOT FORM PART OF THE INSURANCE CONTRACT OR ANY
OTHER DOCUMENT)
AS A SHORT-TERM INSURANCE POLICYHOLDER, OR PROSPECTIVE
POLICYHOLDER, YOU HAVE THE RIGHT TO THE FOLLOWING INFORMATION:

1. ABOUT THE INTERMEDIARY (INSURANCE BROKER)

(a) Name, physical address and postal address and telephone number:
McCarthy Insurance Services
203 North Ridge Road Durban 4001
P.O. Box 794 Durban 4000
Telephone number 031 268 9300
Fax number 031 207 7291
(b) Legal status and any interest in the insurer:
McCarthy Insurance Services is a division of McCarthy Limited.
McCarthy Limited hold 100% of the shares in McSure Limited.
(c) FAIS Status
McCarthy Insurance Services is a division of McCarthy Limited an
authorised Financial services provider.
(d) Professional indemnity insurance:
McCarthy Insurance Services have professional indemnity
insurance in place.
(e) Rand amount of fees and commission payable:
The premium and all accompanying charges are detailed on your
schedule of insurance.
(f) Written mandate to act on behalf of insurer:
McCarthy Insurance Services have a written mandate in place.
2. ABOUT THE INSURER
(a) Name, physical and postal address and telephone numbers:
McSure Limited
203 North Ridge Road Durban 4001
P.O. Box 794 Durban 4000
Telephone number 031 268 9301
Fax number 031 207 3684
(b) Type of policy involved:
Mechanical Breakdown Policy.
(c) Extent of premium obligations you assume as policyholder:
The premium and all accompanying charges are detailed on your
schedule of insurance.
(d) Manner of payment of premium, due date of premiums and
consequences of non-payment:
Manner of payment refer to your quotation and schedule of
insurance for details.
If you fail to pay the annual premium within 15 days of the due
date no claim shall be payable and cover will be cancelled.111111
(e) Detail of how to institute a claim:
Report the breakdown to McSure immediately and refer to policy
wording for additional detail.1

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3. COMPLAINTS
(a) Contact details in the event of a complaint about service, staff or
products sold:
The Managing Director
McCarthy Insurance Services
P O Box 794, Durban 4000
Telephone Number: 031 268 9300
Fax Number: 031 207 7291
e-Mail address: info@mcinsure.co.za
(b) Contact details of the Compliance Officer:
Compliance Officer
Pretium Services
P O Box 9655, Devon Valley, Johannesburg 1717
Telephone Number: 011 463 1573
Fax Number: 011 463 1714
e-Mail address: info@pretium.co.za
4. PARTICULARS OF THE SHORT-TERM INSURANCE OMBUDSMAN
The Ombudsman is available to advise you in the event of claim
problems, which are not satisfactorily resolved by the insurance
Intermediary and/or the Insurer.
Short Term Ombudsman
P O Box 32334, Braamfontein 2017
Telephone Number: 011 726 8900 / Fax Number: 011 726 5501
Web page: www.osti.co.za
e-Mail address: info@insuranceombudsman.co.za
5. DETAILS OF THE FAIS OMBUD
FAIS Ombud
P O Box 74571, Lynwood Ridge 0040
Telephone Number: 0860 324 766 / Fax Number: 012 470 9080/99
6. OTHER MATTERS OF IMPORTANCE
(a) You must be informed of any material changes to the information
referred to in paragraphs 1 and 2.
(b) If the information in paragraphs 1 and 2 was given orally, it must
be confirmed in writing within 30 days.
(c) If any complaint to the intermediary or insurer is not resolved to
your satisfaction, you may submit the complaint to the Registrar of
Short-Term Insurance.
(d) Polygraph or any lie detector test is not obligatory in the event of a
claim and the failure thereof may not be the sole reason for
repudiating a claim.
(e) If premium is paid by debit order:
(i) it may only be in favour of one person and may
not be transferred without your approval; and
(ii) the insurer must inform you at least 30 days before the
cancellation thereof, in writing, of its intention to cancel
such debit order.
(f) The insurer and not the intermediary must give reasons for
repudiating your claim.
(g) Your insurer may not cancel your insurance merely by informing
your intermediary. There is an obligation to make sure the notice
has been sent to you.
(h) You are entitled to a copy of the policy free of charge.

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7. WARNING
Do not sign any blank or partially completed application form.
Complete all forms in ink.
Keep all documents handed to you.
Make note as to what is said to you.
Dont be pressurised to buy the product.
Incorrect or non-disclosure by you may impact on any claim arising
from your contract of insurance
8. WHAT ELSE SHOULD YOU KNOW?
8.1 We undertake:
To keep all information you tell us about yourself confidential.
Not to alter any documents you provided us with when submitting
to an insurer. Where we feel an error has been made we will advise
you prior to submission.
To never ask you to sign blank documents wherever possible all
documents, be they proposal or claim forms should be completed by
you to ensure full detail.11111
Never to take away any rights you have in terms of any legislation
that governs the way we transact business.
To supply a copy of any documents used in the preparation of your
insurances, when required, free of charge.
8.2 Your insurer undertakes:
To be the one who provides the reason for any claim that is
repudiated.
To ensure that they write to you should they wish to cancel your
policy and to give you at least 30 days notice of their intention to do
so.1111
8.3 If you are paying your premiums by debit order:
The debit order may only be in favour of one person/entity.
It may not be transferred without your approval.
You are entitled to 30 days notice of cancellation of the debit order.
If you are paying for personal insurances:
You are entitled to a period of 15 days grace in which to pay the
premium (other than in the first month of insurance).11111111111
8.4 If you are paying your premiums in any way other than monthly:
You are only entitled to a 15 day grace period if the insurances are
in respect of your personal insurances, otherwise;
all premiums must be paid at inception or renewal date for the policy
to be in force.
8.5 If you have a claim or are involved in an accident that could lead to
a claim:
You must advise us immediately, preferably in writing. Your policy
will contain conditions that relate to the early reporting of potential
claims and it is important that you do not breach this responsibility.1
8.6 If any of the information you gave us changes:
You must advise us immediately policy cover, premiums and terms
are based on what you told the Insurer, we need to advise them of
any changes that could affect their view of you and your policy.1111

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SERVICE RECORDS
In order to maintain the validity of your policy you must have your
vehicle serviced in accordance with the servicing requirements as
set out in Section 11. Failure to adhere strictly to the servicing
requirements and to record these services as specified below is
liable to render this policy invalid.1111
NOTE: Keep all invoices and proof of payment in respect of all
services undertaken in terms of this policy.
Service Record 1.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 2.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 3.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 4.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 5.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 6.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 7.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................
Service Record 8.
Dealer Stamp & Signature
Date ..................................................
Odometer ...........................................
Job Card No. ......................................

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