With effect 1 April 2019, the monthly Premium payable comprises the following:

• Centriq Risk Premium: R232.24
• KIA Commission: R39.56
• KIA Binder Fee: R31.92
• No Claim Bonus: R13.94
• SASRIA: R2.34
• Monthly Premium: R320.00 (15% VAT included)

What is covered?	Description	We will pay you up to
Motor Vehicle Accident	If your car is damaged in an accident	R60,000
Theft	If your car is stolen	R60,000
Total Write-Off	If your car cannot be repaired	R60,000
Passengers	If your passengers are killed or disabled	R60,000
3rd Party	For Damage & Injury to another car	R60,000
Towing	For mechanical & electrical breakdown only	R3,000
Windscreen	If your windscreen needs to be replaced	R5,000
Malicious Damage and Riots	Caused by political riots or another person	R60,000
Getting Quotes	We will pay your expenses to get quotes	R500

No Claim Bonus = R350 - This is our reward to you for looking after your Vehicle. If you pay your Premium every month consecutively for each twenty-four (24) month period from the time you took out this Policy and you do not have any claims during each of these 24 month periods, you may claim R350 back. The benefit is not optional and the cost of the benefit is R13.94 per month.

You are not insured for the following:

• Damage to tyres caused when you apply the brakes of the car too hard
• Punctures in tyres caused by potholes
• Cuts or bursts in tyres except when this happens from an accident causing other damage to your car
• Your car getting old or rusting
• If the inside of the car is torn or gets wet and rots
• If your car has electrical problems (You are covered for towing only)
• If your car breaks down because of engine failure (You are covered for towing only)
• If the engine wears out and it has to be repaired or rebuilt
• Damage to your car if the car is not roadworthy
• If your car has been taken away from you legally by the South African Police or the Traffic Police
• The theft of any items fitted to or left inside your vehicle.

We will not pay for damage to the car that is NOT from an accident. Please remember that we cannot pay for the maintenance of your car. The Kganya Koloi insurance is for damage from an accident.

How much do I pay?

• R320 for the insurance (cover)
• Every Month: R320 for the cover
  
• Remember:

• The car must belong to you and be registered in your name.
• All drivers must have a valid driver’s license
• The car must be for PRIVATE use only
• You can register 1 car per Policy and may not have more than 2 Policies per Policyholder at any time.
• You must report a theft to the police station within 2 days
• You can carry a maximum of 4 passengers, including children
• The car must be roadworthy at all times
  
• You must pay every month to be covered
• You must pay R320 Premium every month at your Church branch

WHAT IS MY EXCESS?

• When your Vehicle is damaged in an accident, you will pay an Excess which will be deducted from the amount of your claim. If you claim more than once over the duration of your Policy your Excess will increase. The Excess amounts are as follows:


• First claim Excess: R2,000
• Second claim Excess: R2,500
• Third and any further claims Excess: R3,000


• When the windscreen on your Vehicle is damaged (broken/cracked) you will be covered up to a maximum of R5,000 but you will pay an Excess of R500 if the glass needs to be replaced.
• When your Vehicle is stolen, you will pay an Excess of R3,000.

You Pay
R2,000	For damage to your car from an accident
R3,000	If your car is stolen
No Excess	If the 3rd party, (other car) has damage or injury
No Excess	If the passengers in your car are injured
R500	If your windscreen glass needs to be replaced
No Excess	For towing for mechanical or electrical breakdown

SCRAP VALUE

• We will value the Scrap at 15% of the Sum Insured in all cases and your payment from us will be reduced by that amount. This is in addition to applicable Excesses.

TOWING COSTS ACCIDENT

• Towing costs will be paid to a maximum of R5,000.

TOWING COSTS MECHANICAL BREAKDOWN

• Towing costs will be paid to a maximum of R3,000 per annum. Claim preparation costs and Excesses are not applicable to this item.

CLAIM PREPARATION COSTS

• We will pay you R500 for the expenses you had to get quotations and posting the documents to us, where applicable. We will only pay you this amount if your claim is accepted.

What is this?

• This is the money we may pay if you or your Passengers die in an accident in your Vehicle, of which you were the driver at the time of the accident. Claims for Passengers are subject to rules relating to the Road Accident Fund.

Cover for Accidental Death	How much will you receive?
Policyholder	R15,000
Person 14 years or older	R15,000
Person between 6 and 13 years old inclusive	R5,500
Person between 1 and 5 years old inclusive	R2,750
A baby before their first birthday	R1,500

What is this?

• This is the money we may pay you if you or your Passengers are permanently disabled in an accident in your Vehicle, of which you were the driver at the time of the accident. Claims for Passengers are subject to rules relating to the Road Accident Fund.

Cover for Permanent Disability	Policyholder	14 Years+	6 - 13 Years	1 - 5 Years	0 - 1 Year
Permanent and total quadriplegia	R15,000	R15,000	R5,500	R2,750	R1,500
Permanent and total paraplegia or the loss of 2 or more limbs at or above the wrist or ankle	R15,000	R15,000	R5,500	R2,750	R1,500
Permanent and total loss of speech	R15,000	R15,000	R5,500	R2,750	R1,500
Permanent and total loss of hearing in both ears	R15,000	R15,000	R5,500	R2,750	R1,500
Permanent and total loss of hearing in 1 ear	R7,500	R7,500	R3,000	R1,500	R750
Partial loss of hearing in one ear (50%)	R3,500	R3,500	R1,500	R750	R375
Permanent and total loss of sight in both eyes	R15,000	R15,000	R5,500	R2,750	R1,500
Permanent and total loss of sight in 1 eye	R7,500	R7,500	R3,000	R1,500	R750
Partial loss of sight in one eye (50%)	R3,500	R3,500	R1,500	R750	R375
Loss or loss of use of limb at or above the wrist or ankle	R15,000	R15,000	R5,500	R2,750	R1,500
Complete loss of 4 fingers on one hand (loss of at least 2 joints)	R10,000	R10,000	R4,000	R2,000	R1,000
Complete loss of 3 fingers on one hand (loss of at least 2 joints)	R5,500	R5,500	R2,200	R1,100	R700
Complete loss of 2 fingers on one hand (loss of at least 2 joints)	R3,000	R3,000	R1,200	R900	R750
Complete loss of thumb (loss of 2 joints)	R4,500	R4,500	R1,800	R900	R750
Partial loss of thumb (at least 1 joint)	R2,200	R2,200	R900	R900	R750
Complete loss of 4 toes on one foot (loss of at least 2 joints)	R4,500	R4,500	R1,800	R900	R750
Complete loss of a toe on any foot (at least 1 joint)	R1,500	R1,500	R1,200	R900	R750

NON-PERMANENT INJURIES

• Non-medical expense cover is limited to a maximum of R5,000 per incident. Claims for Passengers are subject to the unsuccessful settlement of any applicable Road Accident Fund claim.This is not a medical scheme and the cover is not the same as a medical scheme. This Policy benefit is not a substitute for a medical scheme membership.

How do I apply for Kganya Koloi?

• Read the information on this page or the Kganya Koloi Policy wording to understand how we will protect you and your car.


• Then you can talk to a Church Official at your Church branch. He has been trained to help you. If you are satisfied that your vehicle meets the acceptance criteria and you want to take Kganya Koloi Motor Insurance, the Church official will help you.


• If you are uncertain if your vehicle would meet the required criteria of the Policy you may contact us on 0800 000 538 for validation prior to completing the application and paying first Premium.


• You will sign a contract with the Insurance Company. A contract is made when two or more people agree to do something. This contract will be in writing and will consist of:
  
  
  • An Application Form to be completed by you.
  • The Policy wording which explains what you are protected for and what you are not protected for.
  • The Policy Schedule which is prepared by us and serves as proof that Kganya has approved your application.
  • The Church Official will help you complete all the documents and you will pay the Premiums to the Church Official.
  • You will pay R320 every month.
  • The Church Official will give you a receipt, which will be glued into your Kganya Koloi Premium Payment Book.
  • All of these documents will make up your contract. Please keep them in a safe place as the contract is not valid until finalization of all of the above.

How do I claim?

• You must report any incident involving your vehicle to the South African Police within 48 hours of it occurring.
  
  
• After you report the accident, please get an Accident Report number from the SAPS station where you reported the incident.
  
  
• It is very important that you take photographs of your damaged vehicle, as soon as possible after the accident and before your vehicle has been removed from the scene of accident. You must submit a claim in writing to us within 30 days of the incident.
  
  
• Please visit your Church committee and get a claim form. They will help you complete the document. Please ensure that your claim form is handed over to a Service Centre Manager at your nearest Service Centre or alternatively you may email it directly to [email protected] for prompt processing. In order to process your claim efficiently, please also notify Kganya Insurance Administrators (Pty) Ltd (RF) as soon as possible, telephonically or by way of e-mail to [email protected], to inform us that you have submitted a claim.
  
  
• You can contact Kganya Insurance Administrators (Pty) Ltd (RF), where the claim process will be explained to you. Phone us on 0800 000 538 between 8am and 4pm Monday to Friday only. Alternatively the claims process is explained in detail in your Policy wording under the section titled "What you must do if you have a claim"