Auto & General allows a client to cancel without any notice period, but you can give notice to cancel the policy on a future date. Clients normally give notice of cancellation over the telephone. If the client cancels during a month, we are not obliged to refund any premium but we will confirm the cancellation in writing.

An excess is the first amount payable by a customer in the event of a loss, and is the uninsured portion of your loss, so when you submit a claim you’ll have to pay an excess.

When you have to pay an excess for damages arising from an accident, it is irrelevant who was to blame for the accident, this serves to deter customers from submitting minor claims and/or fraudulent claims, and keeping premiums down.

It is important to read your policy documentation regarding excesses as sometimes there may be additional excesses depending on the facts of your claim.

In most cases we offer a flat excess and we will try to recover your excess from the guilty third party even though there is no legal obligation to do so. This is a service Auto & General offers to customers free of charge.

No. The Cash Back Plus is our way of rewarding you for a claims-free history and is payable only after a four-year period, it does not build up any loan value.

You can reduce your excess by paying a higher premium

By phoning our Claims Department - You can phone our claims department and they will assist you with your claim. There is no paper-work so you won’t have any forms to fill in.

The Cash Back Plus is our way of rewarding our clients for a claims-free history; if you submit a claim, you will unfortunately forfeit your Bonus, you will however automatically begin a new four-year cycle towards your Cash Back Plus Bonus reward.

Installing a tracking device in your vehicle can greatly reduce the chances of it being stolen, and assists in the recovery of your vehicle if it is stolen. As the risk is reduced, in the event that you claim for a stolen vehicle, you will enjoy a reduced theft excess.

We inspect most cars before providing insurance cover to make sure that the car exists and to record all current damage. If the vehicle has any accessories fitted, these will be noted on the inspection certificate, which in turn speeds up the claim finalisation process. This inspection is conducted free of charge to you.

We do not inspect cars which are insured for Third Party only, except when a vehicle is insured for third party only and the client has elected sound equipment cover to the value of R5 000 or more.

Our motor body repairers guarantee their workmanship and will issue a lifetime guarantee on the repairs, once the vehicle has been repaired. With this in mind our policy is that we repair your vehicle using a supplier on our panel. This also allows us to constantly monitor the quality of the repairs carried out.

However, should you insist that you want your vehicle repaired by a panel beater of your choice, we will give you a cash settlement in lieu of the amount it would have cost us to repair your vehicle. In such an event we can obviously not guarantee the repairs of the vehicle.

The premium is based on the details of the most regular driver only. We provide cover for someone else to drive the vehicle occasionally without increasing the premium, but with an additional excess payable in case of a claim.