Protection for everyday peace of mind
Our Motor Prime option provides complete cover for your personal vehicle, along with an extensive range of value-added benefits to keep you protected on every journey, every day.
Mobalyz Risk Services (Pty) Ltd (FSP 29354) is an authorised financial services provider and all products are underwritten by Guardrisk Insurance Company Ltd.
National Financial Ombud Scheme South Africa NPC. Registration Number: 2023/162407/08
JHB Physical Address: 110 Oxford Road, Houghton Estate, Illovo, Johannesburg, 2198
CPT Physical Address: Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, 7708
Tel: 0860 800 900. info@nfosa.co.za. www.nfosa.co.za
National Financial Ombud Scheme South Africa NPC. Registration Number: 2023/162407/08
JHB Physical Address: 110 Oxford Road, Houghton Estate, Illovo, Johannesburg, 2198
CPT Physical Address: Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, 7708
Tel: 0860 800 900. info@nfosa.co.za. www.nfosa.co.za
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Your cover explained
Theft/Hijacking
Your cover includes protection in the event of your vehicle being stolen or hijacked.
Accident Damage
You are also covered for damage incurred during a vehicle accident.
Total Loss
Your policy pays out the retail value of the vehicle in the event of a Total Loss. An excess is payable.
Riots & Strikes
You are covered for damage caused during an organised and approved riot or strike. Limit determined by SASRIA.
Fire, Flood, Hail & Lightning
You are covered against damage resulting from fire, flooding, hail or lightning strikes.
Third-party Liability
Your policy includes cover for third-party liability (excludes drivers and passengers). This is limited to R1 million per incident.
Windscreen
The cost of repair or replacement of the windscreen is covered, less excess.
Value-added benefits
A range of extra-value benefits included with all comprehensive policies.
Roadside Assist
Whether you’re stuck with a flat tyre, or you’ve run out of fuel, we offer you roadside emergency assistance.
Accident Assist
When the insured vehicle is involved in an accident, you can contact us 24/7 to arrange dispatching of a towing service to collect the vehicle and move it to the nearest approved repairer. Towing is limited to R2 500 for unapproved tows and the limit for storage is R1 500. To arrange a towing service you should contact 0800 214 790. We cannot guarantee that this service will be available, if your taxi is outside of the South African border.
Mobalyz Rewards
Swipe or scan your rewards card to earn cashback on fuel purchases at Shell and on purchases from AutoZone, Glasfit & more. No hoops just cash in your pocket.
Flexible Excess gives you more control
We offer a Flexible Excess facility on our comprehensive E-hailing vehicle package.
With this facility, you can lower your monthly premium by increasing the excess payable at claim stage, or instead choose to pay a higher monthly premium and lower excess when it’s time to claim. A no-excess option is also available – the choice is yours.
Flexible Excess gives
you more control
We offer a Flexible Excess facility
on our Motor Prime vehicle policy.
With this facility, you can lower your monthly premium by increasing the excess payable at claim stage, or instead choose to pay a higher monthly premium and lower excess when it’s time to claim. A no-excess option is also available – the choice is yours.
Boost your cover
You can add any of the following extensions to your Motor Prime vehicle policy at an additional cost. Terms and conditions apply.
Car Hire
With this option selected, we will provide you with a hire car in the event that your vehicle is in for repairs following a claim.
Credit Shortfall
This is a top-up cover to make sure your vehicle is insured for the outstanding balance on the credit agreement (less arrears owed to credit provider) and not just the retail value. Events covered include when the taxi is stolen and not recovered or is a total loss.
Specified Accessories
Any accessories or extras that didn’t originally come with your vehicle when it was manufactured, must be specified on your insurance policy to ensure they’re covered in the event of theft or an accident. This can include for example aftermarket sound systems, or features such as tow bars, roll bars, nudge bars, bull bars, or canopies that weren’t part of the vehicle's original factory setup.
Frequently Asked Questions
1
What are my waiting periods for cover to commence?
There are no waiting periods. Your cover starts the moment you pay your first premium.
2
How long does it take for my claim to be finalised?
It depends on the extent of the damage. We authorise claims on average within 5 days of claim registration.
3
May I insure more than one vehicle?
Absolutely. You can combine vehicles onto a single policy or cover them across multiple policies to manage cashflow.
4
When and how often can I review my policy?
Your policy is reviewed annually, and you are notified in writing of the changes in premiums and benefits. It is common practice for insurers and clients to engage around the premium at this point. However, you are more than welcome to engage with us anytime there is a need to review your policy.
5
Can I opt for a flexible excess or excess waiver?
Absolutely. We have a flexible excess structure that allows you to tailor the policy to best suit your needs. Excess options range from R0-50 000 (max 30% of vehicle sum insured).
6
Can anyone else drive my vehicle besides the policy holder?
A driver that is employed by you either part time or full time, may drive the vehicle provided they have your consent and the necessary licences that must be valid at the time of the incident.
7
Must I note a regular driver?
This is recommended best practice as it ensures easy access for the driver to our roadside and accident assist benefits, where relevant.
8
Does having a tracker decrease my premium?
A tracking device is a requirement across most of our products and is already factored into the price we provide you. Where this is a requirement, clients are encouraged to regularly check the tracking units to ensure they are in full working order.