Professional Documents
Culture Documents
Contents
Page
Foreword
Insurance Statement
Period of Insurance
Policy Benefits
Limits of Liability
5/6/7
8/9/10/11
11/12/13
McSure Responsibilities
14
Conditions
14/15
Arbitration
15
Owners Responsibilities
15
16
Important Notice
Service Records
17/18/19
20
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.
Insurance Statement
McSure Limited
Reg. No. 1997/019461/06
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
2. PERIOD OF INSURANCE
2.1
2.2
2.3
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
4.2
4.3
6.2
6.3
6.4
6.6.3
6.6.4
6.6.5
6.6.6
7.1.7
7.1.8
7.1.9
7.2
7.3
7.4
7.5
7.6
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
9.2
9.3
9.4
9.5
9.6
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.
Owner's name.
Policy number.
Current kilometre reading.
Address where vehicle can be inspected.
Service records.
Important Notice
POLICYHOLDERS INFORMATION
IMPORTANT PLEASE READ CAREFULLY
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.
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
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. ......................................