Bidvest McCarthy Warranty Pre-Owned Vehicles

What you need to know about your policy

This document is a summary of all the important information you need to know about your Bidvest
McCarthy Warranty policy. Please refer to your Policy Wording and the Schedule of Insurance for the
full details of your cover. Remember you can call us on 0861 272 777 or email
warrantyadmin@bidvestinsurance.co.za if you have any further questions.

What is Bidvest McCarthy Warranty?

It is a short-term insurance policy that provides you with cover for your vehicle should you suffer a
mechanical, electrical or wear & tear breakdown.

How much do I pay?

Your premium is based on your specific vehicle model, age and mileage. Please refer to your
Schedule of Insurance to see what your premium is.

When is my policy active?

Your policy is active from the inception date.

What if I want to cancel?

Although we would hate to lose you, you are welcome to cancel at any time by contacting us.

What if I sell my car?

This cover is only for the car that you have listed in your Schedule of Insurance. If you sell your car
you need to notify us.

What are the fees listed in my Schedule of Insurance?

Included in your premium is a 10.5% binder fee paid to the administrator, R2 300 inspection fee
and a 12.5% commission paid for the sale of the policy.

How do I claim?
You can contact us on 0861 272 777 or email warrantyclaims@bidvestinsurance.co.za to notify us
of the incident. The claims assessor will then guide you through the claims process.

Please also remember:

No unauthorised repairs will be covered
Any costs over the limit of cover will be for your own account.
You must provide us with your vehicle service history
There is no excess payable

Who is the underwriter?

The Bidvest McCarthy Warranty is an insurance policy underwritten by Bidvest Insurance Limited, a
licensed non-life insurer and their contact details are:
Bidvest Insurance Limited Reg. No. 1997/019461/06
2nd Floor Lincoln on the Lake, 2 The High Street,
Umhlanga Ridge, 4319
PO Box 25038, Gateway, 4321
Tel: 0861 888 861
What am I covered for?

Component Limits Table

Extended
Extended Diamond Platinum Gold Silver
Executive
Engine Unlimited Unlimited R 120 000 R 80 000 R 50 000 R 25 000
Gearbox/Transmission Unlimited Unlimited R 75 000 R 55 000 R 35 000 R 15 000
Differential Unlimited Unlimited R 75 000 R 55 000 R 35 000 R 15 000
Differential Lock Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Catalytic Converter /
Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
DPF
Trans Axle Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Transfer Box Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Management System Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Turbo Assembly Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Overfuelling Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Overheating Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cambelt Failure Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Air Conditioner Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Casings Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cooling System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electronic Ignition Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Front Wheel Drive Unit Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
EGR Valve & EGR
Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cooler
Braking System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Clutch Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
CV Joints & Drive
Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Shafts
Cylinder Head Gaskets Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Drive Mechanism Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electrical Components Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electric Winch Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Fuel System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Propshaft Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Radiator Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Steering Mechanism Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Suspension Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Wheel Bearings Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Free Wheel Hubs Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Central Locking Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Electric Sunroof Motor Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Entertainment System /
Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
DVD
Viscous & Electrical
Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Fans
GPS Navigation System Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Phone System Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Alarms & Immobilisers Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Electric Mirrors Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Transponder Key Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Instalment Payment
R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Protection
Insurance Excess R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Overnight
R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Accommodation
400km 400km 400km 400km 400km 400km
Tow in Charges
round trip round trip round trip round trip round trip round trip
Strip & Quote R 3 000 R 3 000 R 3 000 R 2 500 R 2 000 R 1 500
Oils & Consumables R 1 000 R 1 000 R 1 000 R 750 R 750 R 750
Additional Component
R 1 000 R 1 000 R 1 000 R 750 R 750 R 750
Cover

Value Added Benefits

Instalment Up to R3 000 towards your vehicle instalment, if repairing your vehicle takes
Protection more than 14 days

Insurance Excess Up to R3 000 towards your comprehensive insurance excess if your vehicle is
Cover deemed a write-off

Towing & 24 Hour Roadside & Medical Assistance

0861 860 861
club@mccarthy.co.za

Emergency Assistance Services

Towing (up to 400kms), changing of flat tyres, flat battery
Emergency
assistance, locksmith to retrieve keys locked in the car,
Roadside
up to 5 days car hire, hotel accommodation (more than
Assistance
100kms from home) up to R3000. Max R15 000 per
Telephonic medical advice, emergency medical year
Emergency transportation, inter-facility transportation, medical
Medical Assistance repatriation, escort of minors, in-hospital medical
monitoring, compassionate visits.
Which components are covered?

Component What is Covered

All internal lubricated parts including cylinder head(s), engine mountings, flex
Engine plate, flywheel, ring gear, spigot bush/ bearing, pulleys, actuators, seals and
gaskets
All internal lubricated parts including gear levers, gear linkage, torque convertor,
Gearbox bushes and internal shift selectors, external shift linkage, mountings, sensors,
seals and gaskets
All lubricated components and diff actuators / sensors (internal and external),
Differential
seals, gaskets and mountings
All internal components and actuators / sensors (internal and external), seals and
Differential Lock
gaskets
Catalytic Converter/DPF Catalytic converter, Diesel Particulate Filter (DPF) are covered against mechanical
(Diesel) failure only and not as a result of wear & tear failure
All internal lubricated parts, bushes and internal shift selectors, external shift
Transaxle
linkage, mountings, release bearing, sensors, seals and gaskets
Transfer Box All internal lubricated parts, actuators and sensors
Engine, transmission and body control management units. All engine sensors
Management System
including crankshaft sensor, camshaft sensor and lambda (O2) sensor
Original manufacturer fitted turbo charger, intercooler, superchargers, actuators/
Turbo Assembly
boost control valve only
Overfuelling Failure as a result of overfuelling
Overheating Failure as a result of overheating
Cambelt, tensioner and rollers. Please Note: this does not cover failure as a result
Cambelt Failure
of not carrying out routine maintenance, or wear and tear failure.
Internal components of compressor pump, condenser, evaporator, pressure
regulator assembly, expansion valve, heater control valve, seals and gaskets.
Air Conditioner
Please Note: this policy will only cover re-gassing of the air conditioner in the
event of an air conditioner component failure
Engine block, cylinder head, gearbox, differential, drive unit, inlet and exhaust
Casings
manifolds
Water pump, welch plugs, thermo switch, thermostat and housing, expansion
Cooling System
bottle, all coolers, seals and gaskets
Module amplifier and trigger unit, ignition coil, distributor, cap and rotor and
Electronic Ignition
sensors
Front Wheel Drive Unit
EGR Valve and EGR Cooler EGR Valve and Cooler only
Master cylinder, servo unit, wheel cylinders and ABS control unit, all sensors, park
Braking System brake actuators, electronic handbrake actuator and vacuum pump. Please Note:
cover does not include brake pads, linings, drums and/or discs
Manual and automatic clutches, pressure plate, clutch cable, clutch fork, master
Clutch and slave cylinder, release bearing. Please Note: cover is only provided for
mechanical/electrical failure and does not cover wear and tear failure.
CV Joints and Driveshaft Including dust covers and velocity joints.
Cylinder Head Gaskets Cylinder Head Gasket only.
Crankshaft, camshaft, tensioners, and jockey pulleys are covered in the event of
Drive Mechanisms
mechanical failure and does not cover wear and tear failure
Alternator, starter motor, front and rear windscreen wiper motors, start switch,
Electrical Components window motors, window mechanisms, electric seat motors, cruise control, gauges,
relays, switches
 Electric motor only as supplied and fitted by the manufacturer (applicable to 4x4
Electrical Winch
vehicles only)
Free Wheel Hubs Complete unit and 4x4 actuator (applicable to 4x4 vehicles only)
Mechanical and electrical fuel pumps, injectors, fuel injection control, sensor units,
intake manifold flap motor, throttle body, TPS Unit and fuel flap actuators.
Fuel System
integration relay. Please Note: cover excludes all calibration and serviceable
components and any failures due to incorrect or contaminated fuel
Prop Shaft tube, universal joints, front yoke, rear flange and centre support
Propshaft bearing. Please note: Balancing of propshaft is only covered in the event of a
propshaft component failure
Radiator Engine cooling radiator only
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 Mechanism
steering column shaft, steering column coupling, steering damper, seals and
gaskets
Upper and lower control arms, control arm shafts and bushings, torsion/stabilizer
Suspension bars, radius arms, upper and lower ball joints, springs, electronic modulated
suspension actuator/pumps, seals, link rods/arms and gaskets.
Wheel Bearings All wheel bearings are covered
Central Locking Pump and door actuator
Electrical Sunroof Motor Manufacturer fitted only
Manufacturer fitted LCD screen, RF modulator, digital video disc player, compact
Entertainment System/DVD
disc player and power converter
Viscous and Electric Fans Engine cooling only.
Navigation display unit, navigation control module and navigation system wiring
GPS Navigation System
harness (applicable only to factory fitted units)
Phone System Manufacturer fitted charger, cradle, microphone and speakers
Alarms and Immobilisers Manufacturer fitted units only
Electrical Mirrors Motor only
Transponder Key Manufacturer fitted unit only and functional failure only
This benefit pays for the stripping / dismantling costs associated with engine,
gearbox, cylinder head, clutch, and differential components when a claim is
Strip & Quote
declined.
Any other strip and quote costs will be for your own account
Oils and Consumables This includes fluids and other consumables as part of a failure.
Once off payment up to the amount specified in the limit stated in the Component
Additional Component Cover Limits Table, to cover any motor vehicle related item that is not covered by your
policy

What am I not covered for?

Any other component not listed on the covered components list including: spark plugs and
leads, glow plugs, belts, filters, flexible hoses, CV boots, shock absorbers, struts, brake
linings, brake pads, disc, rotors, drums and/or disc and drum machining, clutch linings,
pressure plate and batteries (including electric or hybrid vehicle batteries and power cells)
and incandescent globes.
Any repairs covered by the manufacturer
Breakdown due to not following manufacturers operating guidelines
Any component supplied, or repair done by a non-approved repairer
Any consequential loss
Any loss or damage due to an accident, water, fire or theft
 Any repair done without authorisation
Breakdown due to faulty workmanship
Any pre-existing conditions
Failure due to lack of lubricants, incorrect grade or type of fuel, oil coolant or fluids
Breakdown caused by oil degradation, sludge, carbonization, corrosion, electrolysis or rust
Any item that is usually replaced at a service
Any exterior components and trims and interior trims
Exhaust system components
Any oil, coolant or water leak not related to the covered parts
Any maintenance items
Any stripping or diagnostic costs, unless authorised
Damages due to war, strikes, riots, public disorder, terrorism, natural disasters, nuclear
radiation and the effects of various weather phenomena
Any fraudulent claims or misrepresentation on your part
Damages or losses that occurred outside of South Africa
Any damage caused by torn rubbers, boots etc
Please refer to the Policy Wording for the full listing of exclusions

777 or
email us on complaints@bidvestinsurance.co.za. You also have the right to request a copy of
the voice-log of the sales call should you require it.
If your enquiry or your dispute is not satisfactorily resolved, you may contact:
The Ombudsman for Short Term Insurance: 011 726 8900/0860 726 8090
Or
The FAIS Ombudsman: 012 470 9080 or 0860 324 766 / Email: info@faisombud.co.za

McCarthy (Pty) Ltd is an authorised financial services provider - FSP 6852. This policy is underwritten by
Bidvest Insurance Ltd, a licenced non-life insurer and authorised financial services provider - FSP 46395.
Version: 31 March 2022
 Bidvest McCarthy Warranty
POLICY WORDING
Bidvest McCarthy Warranty Policy Wording 0
11 April 2022
 Contents
Section Page

1. Welcome 2
2. Words with special meaning 3
3. How to claim 4
4. Eligibility and qualifying criteria 6
5. When does your cover start & end? 7
6. Your benefits: 7
6.1. Cover for component failure 8

6.2. Cover limits 8

6.3. Covered components 10

6.4. Value added benefits 11

6.5. Emergency assistance services 12

6.6. What is not covered 14

7. Can this warranty be transferred? 16

8. Your responsibilities 17

9. Cancellation 17

10. General conditions 18

11. Fraud and dishonesty 19

Bidvest McCarthy Warranty Policy Wording 1

June 2022
1. Welcome

Congratulations and thank you for choosing a Bidvest McCarthy Warranty for your vehicle. We look
forward to providing assistance to you and your vehicle in the years ahead.
The Bidvest McCarthy Warranty is designed to help protect you against the cost of repairing your
vehicle in the event of a breakdown when a component fails, so it is very important that you read this
entire document to fully understand what is and what is not covered by your policy.
Your schedule of insurance is a separate document to this one, which contains your personal details
as well as information about your vehicle and together these two documents form the basis of your
contract with us.
Please ensure that you check that all the information contained in your schedule of insurance is
correct, because any incorrect information may affect your claim at a later stage.

If any information is incorrect or if there is anything that you do not understand, please contact
0861 272 777 and one of our consultants will assist you.

The Bidvest McCarthy Warranty is an insurance policy underwritten by Bidvest Insurance Limited, a
licensed non-life insurer and their contact details are:

Bidvest Insurance Limited Reg. No. 1997/019461/06

2nd Floor Lincoln on the Lake, 2 The High Street,
Umhlanga Ridge, 4319
PO Box 25038, Gateway, 4321
Tel: 0861 888 861

Bidvest Insurance Brokers (Pty) Ltd, have been appointed as the Administrator of this policy to
process changes and claims on behalf of Bidvest Insurance Limited.

Policy Administration:

0861 272 777 admin@bidvestinsurance.co.za

Bidvest McCarthy Warranty Policy Wording 2

11 April 2022
2. Words with special meaning

In this policy and in any documentation issued by us in connection with this policy the following words
shall have the meanings set out below:

A repairer registered with a reputable motor industry organization. A list of such

Accredited repairer
organizations can be found by visiting https://www.bidvestinsurance.co.za/right-to-repair-
statement.
Accredited servicing A servicing agent registered with a reputable motor industry organization. A list of such
facility organizations can be found by visiting https://www.bidvestinsurance.co.za/right-to-repair-
statement.
Bidvest Insurance Brokers (Pty) Ltd who we have appointed as the administrator of your
Administrator
policy and to settle claims on our behalf.
Cover Payment by us of the reasonable cost to repair or replace a covered component, subject
to policy limits, terms and conditions as stated in this document.
Covered component A mechanical or electrical component or part of your vehicle as listed under section 6.3 of
this policy – “Covered Components”.
The sudden and unforeseen actual shorting-out of any of the covered electrical
Electrical failure
components or parts listed, arising from electrical defect, causing sudden stoppage of their
functions, necessitating repair or replacement.
Failure Mechanical failure, electrical failure or wear and tear failure as defined in this section
respectively.
The damage or gradual deterioration in the operating performance of a covered
Normal wear and tear
component which occurs as a result of normal use, wear or ageing, which may slow or
cause noise from its operation but does not impede or prevent its function.
Manufacturer The original manufacturer of the vehicle.
Maximum limit of
The maximum limit of cover provided by this policy as set out in the schedule of insurance.
liability
The sudden and unforeseen actual breaking of any of the covered mechanical or electrical
Mechanical failure
components or parts listed, arising from mechanical defect, causing sudden stoppage of
their functions, necessitating repair or replacement.
Any alteration or addition to the vehicle’s software, standard body, interior or components
Modification
not fitted by the manufacturer or their approved suppliers, which may affect the safety or
performance of the vehicle.
Original manufacturer The original maintenance plan for the vehicle, provided by the manufacturer as standard
maintenance plan when it was new. This does not include any maintenance plan extensions sold with the
vehicle when new, whether provided by the manufacturer or not.
Original manufacturer The original warranty for the vehicle, provided by the manufacturer as standard when it
warranty was new. This does not include any warranty extensions sold with the vehicle when new,
whether provided by the manufacturer or not.
Period of cover The period beginning on the commencement date and ending on the date the cover
ceases as stated in the schedule of insurance.
Policy This policy wording together with the schedule of insurance.
Policy start date The policy start date as stated in the schedule of insurance.
Premium The amount paid (inclusive of VAT) for the policy at the time of purchase, as stated in the
schedule of insurance.

Bidvest McCarthy Warranty Policy Wording 3

June 2022
 A check carried out by the selling dealership for the vehicle at the time of purchasing this
Inspection
policy, and the report provided following this inspection to confirm that there are no existing
defects in the vehicle.
Service records Copies of the service history for the vehicle which show that you have complied with
section 8 of this policy – “Your responsibilities”.
Schedule of insurance The policy schedule accompanying this policy wording and issued in respect of the
purchase of this policy, which is updated from time to time at your request.
Vehicle The vehicle as described in the schedule of insurance.
The damage or gradual deterioration in the operating performance of a covered
Wear and tear failure component which occurs as a result of normal use, wear or ageing, causing sudden
stoppage of their functions, necessitating repair or replacement.
We, us, our, ourselves,
Bidvest Insurance Limited, the insurer and underwriter of this policy.
Bidvest Insurance
Year A 12 (twelve) month period from the policy start date
You, your, yourself The person or entity named in the schedule of insurance.

3. How to Claim

In order to protect customers against unnecessary premium increases, Bidvest Insurance has a zero-
tolerance approach to fraud and dishonesty across its business. It is important to read section 11
regarding the consequences of fraud & dishonesty before submitting a claim.

Claims: Monday to Friday 08:00am to 17:00pm and Saturdays 08:00am to 13:00pm.

0861 272 777
warrantyclaims@bidvestinsurance.co.za

Towing & 24 Hour Roadside & Medical Assistance

0861 860 861
club@mccarthy.co.za

To submit a claim:

Claims must be reported to the administrator immediately (or as soon as reasonably possible
where you cannot do so immediately).
You will need to take your vehicle to an accredited repairer within 7 (seven) days of becoming
aware of the failure.
If your vehicle needs to be towed, please contact emergency assistance services on
0861 860 861.
Please provide the repairer with your policy number and service records for the vehicle.
Additional information may be required once a claim is registered.
The repairer must contact the administrator for written authorization before starting any repairs
to the vehicle. We also reserve the right to request additional information or to have any

Bidvest McCarthy Warranty Policy Wording 4

11 April 2022
 components or the vehicle examined by an independent assessor prior to us authorizing any
repairs.
The information as requested by the administrator must be provided within 90 (ninety) days,
and failure to provide this may result in the claim being declined.
Where a claim has been authorized and work has been completed by the repairer, the
responsibility lies with you to carry out an inspection of the vehicle (which includes test driving)
to ensure that the repairs have been completed to your satisfaction. You must let us know
immediately if you believe the repairs have not been completed correctly.

Information required when reporting a claim:

1. Owner’s name.
2. Policy number.
3. Vehicle kilometer reading.
4. Address where we may inspect the vehicle.
5. Service records.

Important: Repairs may only be carried out after we have issued an authorization number to the
repairer.

Stripping and Quoting

If it becomes necessary to strip / dismantle the vehicle or any components to determine the cause
and extent of failure and whether the policy is liable for any repair, you will be required to authorize
this with the repairer.
In the event of a valid component claim, the cost of stripping will be included in the repair cost of the
component.
If a claim is declined, we will only pay the strip and quote benefit (as shown in the Component Limits
Table under section 6.3) when stripping is applicable to the engine, gearbox, cylinder head, clutch or
differential.
Any other strip and quote costs will be for your own account.

Vehicle must be taken to an accredited repairer

Bidvest Insurance would like to ensure that your repair is carried out with as little inconvenience as
possible, and we are happy to use a repairer of your choice. However, to protect against malpractice,
poor workmanship or inflated costs, repairers must be registered with a reputable motor industry
organization.
A list of such organizations can be found by visiting https://www.bidvestinsurance.co.za/right-to-
repair-statement. Bidvest Insurance reserves the right to refer any repair work to an alternative
repairer wherever it deems necessary or in order to promote the supply of work to B-BBEE compliant
repairers or repairers with a higher B-BBEE rating.

Replacement parts

We reserve the right to repair or replace failed components with new or reconditioned components
from a supplier of our choice. In addition, where a repair requires new or exchange components which,
in our sole opinion, are in excess of what is necessary to make good the repair, and you insist on
such components being used, then the difference in cost will be for your own account.

Bidvest McCarthy Warranty Policy Wording 5

June 2022
 4. Eligibility and qualifying criteria

At the time of the warranty sale, you may select any cover option for which your vehicle is eligible as
shown in the Cover Options table below. The cover option purchased by you is shown on your
schedule of insurance and the relevant limits of liability for that option will apply.
Please note: the cover option selected may not be changed once a policy has been purchased.

Cover Options
Extended
Extended Diamond Platinum Gold Silver
Executive
Vehicle
Eligibility
Original Original
manufacturer manufacturer Less than Less than 10 Less than 15
Age warranty in warranty in 8 years years years
Any Age
place place
Less than Less than Less than
Km Any Km Any Km
150 000km 200 000km 250 000km
Any Km
Full service
Yes - with Yes - with
history manufacturer manufacturer
Not required Not required Not required Not required
required

Only vehicles covered by a valid original manufacturer warranty or original manufacturer maintenance
plan, together with a full manufacturer service history, will qualify for the Extended or Extended
Executive option.
Where a vehicles original manufacturer warranty or original manufacturer maintenance plan has been
extended by the manufacturer beyond its original warranty/maintenance plan period, the vehicle will
only qualify for the Diamond, Platinum, Gold or Silver options.

The Extended option is only available for the following vehicle brands:
Abarth, Chana – Changan, Chery, Chevrolet, Chrysler, Citroen, Colt, Dacia, Daewoo,
Daihatsu, Datsun, Dodge, Fiat, Ford, Foton, Geely, GWM, Haval, Honda, Hyundai, Isuzu,
JMC, Kia, L D V, Lada, Lexus, Mahindra, Mazda, Meiya, MG, Mitsubishi, Nissan, Opel,
Peugeot, Proton, Renault, Rover, Seat, Smart, Soyat, Subaru, Suzuki, Tata, Toyota,
Volkswagen

The Extended Executive option is only available for the following vehicle brands:
Alfa Romeo, Audi, BMW, Cadillac, Daimler, Hummer, Infiniti, Jaguar, Jeep, Lancia, Land
Rover, Mercedes-Benz, Mini, Morgan, Porsche, SAAB, SsangYong, Volvo

All other vehicle brands that are not listed above, qualify for the Diamond, Platinum, Gold or Silver
options.

Bidvest McCarthy Warranty Policy Wording 6

11 April 2022
The following vehicles do not qualify for a Bidvest McCarthy Warranty policy:

Vehicles with a gross vehicle mass of more than 4200kg.

Vehicles which do not meet the roadworthy requirements of the National Road Traffic Act 93
of 1996.

Vehicles that have been modified in any way (excluding manufacturer approved accessories).

Vehicles that have been imported by any party other than the manufacturer.

Vehicles that are operated as a taxi or vehicles used for financial reward, emergency
response, security, armed response, car hire, driving school, courier vehicles.

Vehicles used for racing, rallying or any form of motor sport.

Rebuilt vehicles / vehicles classified as Code 3 (three) according to the National Traffic
Information System.

5. When does your cover start & end?

The 24-Hour Emergency & Medical assistance services commence immediately upon receipt of your
premium.

In warranty/maintenance plan vehicles

Where the vehicle’s original manufacturer warranty or original manufacturer maintenance plan is still
active, cover will commence upon expiry of these and continue for a period of 2 (two) years.

Out of warranty/maintenance plan vehicles

Cover for vehicles that are out of warranty or maintenance plan, commence on the policy start date
which is shown on your schedule of insurance and continues for a period of 2 (two) years.

6. Your Benefits
This policy is designed to provide you with cover when your vehicle suffers a breakdown or component
failure.

The components covered by this policy are listed in the Covered Components table. Only covered
components will be repaired or replaced under this policy.

We will cover the cost of parts and labour, up to the limit of liability as shown in the Component Limits
Table, to repair or replace a covered component.

Bidvest McCarthy Warranty Policy Wording 7

June 2022
6.1 What are you covered for?

Mechanical or electrical failure

If there has been a sudden and unforeseen failure of a covered component, causing it to suddenly
stop working, this policy pays towards the cost of parts and labour for its repair or replacement as
listed in the Component Limits Table.

Wear and tear failure

If a covered component suffers failure causing it to stop working as a result of wear and tear, as per
reasonable evidence presented to us, this will be covered up to the limit of liability for that component
as listed in the Component Limits table.
Component failure is determined as unforeseen stoppage of its function. This can be caused by a
number of factors including wear and tear.
Where a component continues to function adequately, as per reasonable evidence presented to us,
this is considered as normal wear and tear and is not covered by this policy.

6.2 Cover Limits

Policy Limits
The maximum limit of liability for all claims over the duration of the policy is limited to the retail value
of the vehicle at the time of purchase as shown in your schedule of insurance. Should this maximum
limit of liability be exhausted, the policy will lapse and no further claims may be made against the
policy.

Component Limits
Please refer to the Component Limits Table below for a list of the components covered as well as the
limits of liability for each component. The cost of repairing a covered component will be limited to the
actual cost of the repair up to the component limits as shown in the table below.

Where there is a failure of more than one covered component arising from the same incident or
occurrence, the failure of all of these covered components will be treated as one claim and subject to
the limits of liability stated in the below Component Limits Table.

Component Limits Table

Extended
Extended Diamond Platinum Gold Silver
Executive
Engine Unlimited Unlimited R 120 000 R 80 000 R 50 000 R 25 000
Gearbox/Transmission Unlimited Unlimited R 75 000 R 55 000 R 35 000 R 15 000
Differential Unlimited Unlimited R 75 000 R 55 000 R 35 000 R 15 000
Differential Lock Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Catalytic Converter /
Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
DPF
Trans Axle Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Transfer Box Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Management System Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000
Turbo Assembly Unlimited Unlimited R 30 000 R 20 000 R 15 000 R 10 000

Bidvest McCarthy Warranty Policy Wording 8

11 April 2022
Overfuelling Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Overheating Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cambelt Failure Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Air Conditioner Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Casings Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cooling System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electronic Ignition Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Front Wheel Drive Unit Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
EGR Valve & EGR
Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Cooler
Braking System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Clutch Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
CV Joints & Drive
Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Shafts
Cylinder Head Gaskets Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Drive Mechanism Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electrical Components Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Electric Winch Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Fuel System Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Propshaft Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Radiator Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Steering Mechanism Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Suspension Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Wheel Bearings Unlimited Unlimited R 20 000 R 12 500 R 10 000 R 7 000
Free Wheel Hubs Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Central Locking Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Electric Sunroof Motor Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Entertainment System /
Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
DVD
Viscous & Electrical
Unlimited Unlimited R 15 000 R 10 000 R 7 000 R 5 000
Fans
GPS Navigation System Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Phone System Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Alarms & Immobilisers Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Electric Mirrors Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Transponder Key Unlimited Unlimited R 10 000 R 7 500 R 5 000 R 4 000
Instalment Payment
R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Protection
Insurance Excess R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Overnight
R 3 000 R 3 000 R 3 000 R 3 000 R 3 000 R 3 000
Accommodation
400km 400km 400km 400km 400km 400km
Tow in Charges
round trip round trip round trip round trip round trip round trip
Strip & Quote R 3 000 R 3 000 R 3 000 R 2 500 R 2 000 R 1 500
Oils & Consumables R 1 000 R 1 000 R 1 000 R 750 R 750 R 750
Additional Component
R 1 000 R 1 000 R 1 000 R 750 R 750 R 750
Cover
The Rand value benefits shown above, are the limits of liability per claim, inclusive of VAT.

Bidvest McCarthy Warranty Policy Wording 9

June 2022
6.3 Covered Components

The below table specifies the components which are covered by this policy. Any component not listed
below is not covered.

Component What is Covered

All internal lubricated parts including cylinder head(s), engine mountings, flex
Engine plate, flywheel, ring gear, spigot bush/ bearing, pulleys, actuators, seals and
gaskets
All internal lubricated parts including gear levers, gear linkage, torque convertor,
Gearbox bushes and internal shift selectors, external shift linkage, mountings, sensors,
seals and gaskets
All lubricated components and diff actuators / sensors (internal and external),
Differential
seals, gaskets and mountings
All internal components and actuators / sensors (internal and external), seals and
Differential Lock
gaskets
Catalytic Converter/DPF Catalytic converter, Diesel Particulate Filter (DPF) are covered against mechanical
(Diesel) failure only and not as a result of wear & tear failure
All internal lubricated parts, bushes and internal shift selectors, external shift
Transaxle
linkage, mountings, release bearing, sensors, seals and gaskets
Transfer Box All internal lubricated parts, actuators and sensors
Engine, transmission and body control management units. All engine sensors
Management System
including crankshaft sensor, camshaft sensor and lambda (O2) sensor
Original manufacturer fitted turbo charger, intercooler, superchargers, actuators/
Turbo Assembly
boost control valve only
Overfuelling Failure as a result of overfuelling
Overheating Failure as a result of overheating
Cambelt, tensioner and rollers. Please Note: this does not cover failure as a result
Cambelt Failure
of not carrying out routine maintenance, or wear and tear failure.
Internal components of compressor pump, condenser, evaporator, pressure
regulator assembly, expansion valve, heater control valve, seals and gaskets.
Air Conditioner
Please Note: this policy will only cover re-gassing of the air conditioner in the
event of an air conditioner component failure
Engine block, cylinder head, gearbox, differential, drive unit, inlet and exhaust
Casings
manifolds
Water pump, welch plugs, thermo switch, thermostat and housing, expansion
Cooling System
bottle, all coolers, seals and gaskets
Module amplifier and trigger unit, ignition coil, distributor, cap and rotor and
Electronic Ignition
sensors
Front Wheel Drive Unit External driveshaft’s, couplings, hubs, bearings and drive flanges for 4x4 vehicles
EGR Valve and EGR Cooler EGR Valve and Cooler only
Master cylinder, servo unit, wheel cylinders and ABS control unit, all sensors, park
Braking System brake actuators, electronic handbrake actuator and vacuum pump. Please Note:
cover does not include brake pads, linings, drums and/or discs
Manual and automatic clutches, pressure plate, clutch cable, clutch fork, master
Clutch and slave cylinder, release bearing. Please Note: cover is only provided for
mechanical/electrical failure and does not cover wear and tear failure.
CV Joints and Driveshaft Including dust covers and velocity joints.

Bidvest McCarthy Warranty Policy Wording 10

11 April 2022
 Cylinder Head Gaskets Cylinder Head Gasket only.
Crankshaft, camshaft, tensioners, and jockey pulleys are covered in the event of
Drive Mechanisms
mechanical failure and does not cover wear and tear failure
Alternator, starter motor, front and rear windscreen wiper motors, start switch,
Electrical Components window motors, window mechanisms, electric seat motors, cruise control, gauges,
relays, switches
Electric motor only as supplied and fitted by the manufacturer (applicable to 4x4
Electrical Winch
vehicles only)
Free Wheel Hubs Complete unit and 4x4 actuator (applicable to 4x4 vehicles only)
Mechanical and electrical fuel pumps, injectors, fuel injection control, sensor units,
intake manifold flap motor, throttle body, TPS Unit and fuel flap actuators.
Fuel System
integration relay. Please Note: cover excludes all calibration and serviceable
components and any failures due to incorrect or contaminated fuel
Prop Shaft tube, universal joints, front yoke, rear flange and centre support
Propshaft bearing. Please note: Balancing of propshaft is only covered in the event of a
propshaft component failure
Radiator Engine cooling radiator only
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 Mechanism
steering column shaft, steering column coupling, steering damper, seals and
gaskets
Upper and lower control arms, control arm shafts and bushings, torsion/stabilizer
Suspension bars, radius arms, upper and lower ball joints, springs, electronic modulated
suspension actuator/pumps, seals, link rods/arms and gaskets.
Wheel Bearings All wheel bearings are covered
Central Locking Pump and door actuator
Electrical Sunroof Motor Manufacturer fitted only
Manufacturer fitted LCD screen, RF modulator, digital video disc player, compact
Entertainment System/DVD
disc player and power converter
Viscous and Electric Fans Engine cooling only.
Navigation display unit, navigation control module and navigation system wiring
GPS Navigation System
harness (applicable only to factory fitted units)
Phone System Manufacturer fitted charger, cradle, microphone and speakers
Alarms and Immobilisers Manufacturer fitted units only
Electrical Mirrors Motor only
Transponder Key Manufacturer fitted unit only and functional failure only
This benefit pays for the stripping / dismantling costs associated with engine,
gearbox, cylinder head, clutch, and differential components when a claim is
Strip & Quote
declined.
Any other strip and quote costs will be for your own account
Oils and Consumables This includes fluids and other consumables as part of a failure.
Once off payment up to the amount specified in the limit stated in the Component
Additional Component Cover Limits Table, to cover any motor vehicle related item that is not covered by your
policy

6.4 Value Added Benefits

Instalment Protection
If repairs to your vehicle are delayed for more than 14 (fourteen) days from the date of claim
authorisation being provided by us and the delay is due to components not being available, we will

Bidvest McCarthy Warranty Policy Wording 11

June 2022
reimburse you up to the amount specified in the Component Limits Table towards the vehicle’s
monthly instalment. The Instalment Protection refund will be calculated on the number of days taken
for repairs to be completed as a percentage of your monthly instalment and will not exceed the amount
specified in the Component Limits Table.
Please Note: This cover only applies to the failure of a covered component and where a vehicle is
under an instalment sale agreement with a recognized financial institution.

Insurance Excess Cover

Should the vehicle be deemed a total loss, and your underlying insurer levies an excess, we will
reimburse you for the actual excess value or up to the insurance excess benefit limit as stipulated in
the Component Limits table, whichever is the lesser. The Insurance Excess cover benefit cannot be
claimed for where this is fully covered under another insurance policy.

6.5 Emergency Assistance Services

Emergency Assistance Services

Towing 400km round trip
Roadside Assistance Unlimited
Car Hire 5 (five) days
Hotel Accommodation R3 000
Emergency Medical Assistance R15 000 per year

Towing required due to component failure: Towing to the nearest accredited repairer and limited
to 400 (four hundred) kilometres roundtrip per tow-in.

Please Note: Any additional towing costs will be for your own cost. We will also relay a message to
your family or business associate.

Roadside Assistance:
Changing of flat tyres
Assistance in the event of a flat battery
Locksmith to retrieve keys locked in your vehicle (keys must be visible and identification will
be requested)
Delivery of fuel in the event of your vehicle running out of fuel (cost of fuel will be for your own
account)

Car Hire: If we have authorised repairs to your vehicle and the repairs are not completed within 24
(twenty-four) hours of the claim authorization, car hire can be provided by contacting 0861 860 861.
Arrangements will be made to provide a Category B vehicle from an approved car hire company for
use whilst your vehicle is being repaired. This benefit is limited to a maximum of 5 (five) days per
claim.

Bidvest McCarthy Warranty Policy Wording 12

11 April 2022
Please Note: This benefit covers the rental charges and delivery/collection of the rental vehicle. Fuel
costs and any deposits required will be for your own account. (This benefit will be provided subject to
the service provider’s terms and conditions.)

Hotel Accommodation: Should your vehicle have failed due to component failure occurring more
than 100 (one hundred) kilometres from your permanent residence, you will be entitled to claim for
hotel accommodation for you and your vehicle passengers up to a maximum of 6 (six) people, up to
R3 000 per claim (This benefit is a refund only benefit and will only be refundable in the event of a
valid component failure claim as well as receipt of proof of stay from the hotel).

Medical Assistance:

Medical Advice and Information Hotline: you will be able to call for 24 hour general medical
advice and information services any day of the week and they will provide you with general
information and advice.

Emergency Medical Advice and Assistance Hotline: In addition to the general medical
advice and information, if you have an emergency the medical operator will guide you through
a medical crisis situation, provide emergency advice and arrange for you to receive the support
you need.

Emergency Medical Transportation: In the event that you are involved in a medical
emergency, we will arrange for emergency medical transportation by road and/or by air
ambulance with appropriate medical supervision to the nearest medical facility that can
provide adequate care. This benefit will also extend to your immediate family. Please note:
The full cost of such transportation would be paid, subject to the National Reference Price List.
Medical considerations will be taken into account in such events such as the degree of
urgency, your state and fitness to travel and other considerations, including, but not limited to,
airport availability, weather conditions and distance to be covered as assessed by the service
provider doctor and support staff will determine whether transport will be provided by medically
equipped aircraft, helicopter, regular scheduled flight, rail or road.

Inter-Facility Transportation: If the service provider doctor, in consultation with the attending
doctor, determines that treatment should continue at an alternate medical facility (because the
necessary treatment cannot be continued at the present facility) the service provider will
arrange and pay the full cost, subject to the National Reference Price List rates for your
transportation to the nearest facility where the treatment can continue until stabilized.

Medical Repatriation: In the event of your hospitalization outside of your place of permanent
residence, the service provider will arrange and pay the full cost, subject to the National
Reference Price List rates, for repatriation to your hometown: Provided that such repatriation
is recommended by the service provider doctor as being medically justified and requiring
medical supervision. The service provider will also, in its sole discretion, determine the means
of transportation.

Bidvest McCarthy Warranty Policy Wording 13

June 2022
 Escorted Return of Minors: In the event of your minor children being stranded as a result of
your hospitalization, we will arrange and pay the full cost, for their transportation, under
supervision where necessary, into the care of a person nominated by you.

In-Hospital Medical Monitoring: We will monitor your medical condition for the duration of
your hospitalization outside of your hometown. If required, we will keep a nominated family
member or business colleague informed of your medical progress.

Compassionate Visits: Should you be hospitalized outside your home town for more than 5
(five) consecutive days, we will arrange and pay the full cost for economy class transportation
of a direct family member to visit you.

Repatriation of Mortal Remains: In the unfortunate event that your death occurs whilst you
are away from home, repatriation of the mortal remains will be done to the town that you
permanently reside to a maximum of R20 000.

Please note: These benefits must be arranged via the 24 hour assistance services call centre
0861 860 861 and cannot be arranged by you. All assistance services rules must be followed as per
the terms and conditions of the service provider providing them. The maximum benefits value that
can be claimed for under assistance services is R15 000 per year.

6.6 What is not covered?

We will not pay any claim arising directly or indirectly from, or in any way connected with the below
events, failures or components:

1. All components and parts not described in the “Covered Components” table at section 6.3 of
this policy.

2. Any costs for the repair or replacement of components covered by any other warranty,
manufacturer plan or manufacturer recall campaign.

3. Any costs associated with material defects or metal fatigue (where design or quality of metal
is inferior).

4. Repairs to components covered under a previous repairer’s guarantee.

5. Normal wear and tear of any covered component that does not result in component failure.

6. Any failure experienced by not following the manufacturer’s operating guidelines or

requirements.

7. Any component which was not made or supplied by the manufacturer of your vehicle or by an
accredited repairer or accredited servicing facility.

Bidvest McCarthy Warranty Policy Wording 14

11 April 2022
 8. Where a covered component fails as a result of the failure of a non-covered component, only
the covered component will be covered by this policy. Where a covered component fails and
causes damage to a non-covered component, only the covered component will be covered by
this policy.

9. Any claim where 2 (two) or more required services are consecutively missed, or where a
missed service has contributed to a failure.

10. Any loss or damage to your vehicle including any form of damage resulting from collision,
impact or accidental fire, water damage, hi-jacking, theft, malicious damage, misuse or
neglect.

11. Any repairs done to the vehicle without prior authorisation given by the administrator.

12. Faulty workmanship, other than for repairs previously authorised by us and still under the
repairer’s guarantee.

13. Any repairs or replacements that have not been done by an accredited repairer.

14. Any failure caused by a fault that existed prior to the policy start date (pre-existing damage).

15. Any failure caused by lack of lubricants to the vehicle as prescribed by the manufacturer.

16. Any failure caused by poor quality or the incorrect grade or type of fuel, oil, coolant or fluids.

17. Any failure due to oil degradation, sludge, carbonization, corrosion, electrolysis or rust.

18. Any items which require replacement as a part of normal vehicle servicing, maintenance or
are known to have a limited lifespan as per the manufacturer of the vehicle.

19. The following components are also not covered: spark plugs and leads, glow plugs, belts,
filters, flexible hoses, pipes, auxiliary belts, CV boots, shock absorbers, struts, brake linings,
brake pads, disc, rotors, drums and/or disc and drum machining, clutch linings, wiring,
pressure plate and batteries (including electric or hybrid vehicle batteries and power cells) and
incandescent globes.

20. Exterior components and trims, paintwork, panel, and bodywork such as wheels, tyres,
convertible roof materials and trims, handles and hinges, sunroof panels and their cassettes
and/or mechanisms, antenna, lamp housings and lenses, weather strips and seals.

21. Interior trim components such as seats, materials and cushioning, carpets, cup holders and
ashtrays, components made of glass and/or decorative components.

22. Exhaust system components including mufflers, pipes.

23. Any oil, coolant leak or water leak not related to the failure of covered components.

24. Any external tapings, threads and/fixing or fastening devices.

25. Any maintenance, adjustment, upgrade, modification and/or reprogramming unless required
to a covered component as part of a valid claim.

26. Any failure due to after-market modifications or reprogramming to any part of the vehicle.

Bidvest McCarthy Warranty Policy Wording 15

June 2022
 27. Loss or damage of accessories or spare parts.

28. Any depreciation in value arising from repairs or restoration.

29. Any re-gassing of the air conditioner unless part of an authorized claim on a covered
component.

30. Any loss associated with the inability to use the vehicle.

31. Any loss in relation to war or terrorism, malicious damage, negligence, unreasonable use,
illegal use, non-compliance to any road transportation laws, road hazard, strike, riot, industrial
action, improper servicing and maintenance, use of the vehicle other than as intended by the
manufacturer or natural phenomenon and related risks.

32. Any claim where reasonable evidence suggests that the odometer has been altered or
tampered with, has been disconnected or is not in working order at the time of claim.

33. Any damage caused by torn boots, rubbers or items designed to protect vehicle components.

34. Taxi’s, rental vehicles, rebuilt vehicles / vehicles classified as Code 3 (three) according to the
National Traffic Information System, modified vehicles or vehicles that are or have been used
in any form of motoring competition or sport. Any rental vehicles used for transport purposes
(fare paying passengers, tow trucks or motor homes).

35. If your vehicle has been traded in to a motor dealer or is being used for any purpose in
connection with the motor trade other than for the purpose of overhaul, upkeep or repair of
your vehicle.

36. Where any damage is caused to your vehicle as a result of any cyber related activity, including
but not limited to:
a cyber-attack on the manufacturer’s or any other systems which are connected to the
vehicle;
any malicious activity on the manufacturer’s or any other systems which are connected to
the vehicle;
the failure of the manufacturer’s or any other systems which are connected to the vehicle;
the failure of the vehicle’s telecommunication system which includes failure / inability of
the vehicle’s system to connect to the internet;
autonomous vehicle driving.

7. Can this warranty be transferred?

Should you sell your vehicle privately (where the vehicle is not sold to a dealership and not sold with
the assistance of a dealership) within the period of cover, the balance of the cover is transferable to
a new private owner subject to our approval. This policy cannot be transferred to another vehicle.

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11 April 2022
8. Your Responsibilities – Servicing, maintenance and preventing
damage

1. For vehicles still under an original manufacturer warranty or original manufacturer

maintenance plan, the vehicle must be serviced in accordance with the requirements of that
warranty or maintenance plan in order to maintain its validity. Thereafter, the vehicle can be
serviced at an accredited servicing facility but must be serviced in accordance with the service
intervals and requirements as specified by the manufacturer and which is set out in the vehicle
manufacturer information and service book.

For vehicles out of original manufacturer warranty or original manufacturer maintenance plan,
servicing and maintenance of the vehicle must be carried out by an accredited servicing facility
at the manufacturer’s required service intervals based on the age and mileage of the vehicle
and in accordance with the requirements as specified by the manufacturer and which is set
out in the vehicle manufacturer information and service book.

2. All service documents which include invoices, proof of payment and completed service records
must be retained as proof of any service work carried out. The maximum tolerance allowed
for not servicing your vehicle, is 2000km (two thousand kilometres) / 6 (six) months, or the
tolerance as specified in the original manufacturer’s warranty, whichever is the greater.

3. Loss or damage: You must take all reasonable precautions to minimize damage to the vehicle.
The vehicle should not be driven once it has been detected or if you suspect that there is a
problem with the vehicle. Should you continue to drive the vehicle, we will not be liable for
any further damage caused.

4. It is your responsibility to ensure that the odometer of the vehicle is in good working order at
all times.

5. Failure to adhere to the above requirements may result in your claim being rejected and/or
your policy being cancelled, and Bidvest Insurance being released from all liabilities and/or
obligations that it may have in terms of this policy, and a pro-rata amount of the premium paid,
less reasonable cancellation costs, will be refunded to you.

9. Cancellation
Cooling off period
Should you decide to cancel this policy within 14 (fourteen) days after purchase, you will be entitled
to a full refund of the premium, provided that you have not made use of any benefits provided by the
policy.

General cancellation
1. You may cancel this policy at any time by providing us with 31 (thirty one) days’ notice of your
intention to do so. A pro-rata amount of the premium paid will be refunded to you, less
reasonable cancellation costs (including commission and underwriting fees).

Bidvest McCarthy Warranty Policy Wording 17

June 2022
 Please note: Where the policy premium was financed by a third party (for example by a bank
or finance house) in terms of a credit agreement, the premium will be refunded to the third
party.

2. This policy will lapse once its maximum limit of liability as set out in the schedule of insurance
has been reached.

3. We may cancel this policy for any reason by giving you 31 (thirty one) days’ written notice. A
pro-rata amount of the premium paid will be refunded to you, less all costs incurred (including
commission and underwriting fees).

10. General Conditions

1. Contract: This policy will only cover the vehicle specified on your schedule of insurance, and
this policy wording together with the schedule of insurance forms the insurance policy contract
between yourself and us.

2. Jurisdiction: The terms of this policy must be interpreted and applied in accordance with the
laws of South Africa. In the unfortunate event of a dispute, you expressly agree to the
jurisdiction of the courts of South Africa.

3. Payments: All payments made under this policy will be made in the currency of South Africa
– South African Rands (ZAR) and are inclusive of value-added tax. In addition, all payments
will only be made into a South African bank account.

4. Rejection of claims and time bar: Should a claim be declined under this policy, and you wish
to take legal action in respect of the decision taken, you have 180 (one hundred and eighty)
days from the date of the claim being declined to institute legal action against us. Failure to
take legal action within this timeframe will render your claim prescribed and unenforceable.

5. Voiding of policy: We may void your policy due to your non-adherence to the terms and
conditions as contained in this document.

6. Double insurance: Where you have insurance cover in place in terms of a policy held with
another insurer you must advise us of this when claiming, and we have the right to arrange
with that insurer for part payment of the claim which makes up their rateable portion.

7. Territorial limits: We will only provide cover for covered components where the failure has
occurred within South Africa, Namibia, Lesotho, Swaziland and Botswana.

8. Vehicle write-off: In certain instances, and entirely at our discretion, we may deem the vehicle
uneconomical to repair. In such circumstances we may elect to replace your vehicle with one
of similar age and mileage or make payment equal to the value of the policy’s liability for such
component failure, subject to the condition that you relinquish ownership of the vehicle to us.

Bidvest McCarthy Warranty Policy Wording 18

11 April 2022
 9. Grace period: You shall be entitled to a period of 15 (fifteen) days for payment of your
premium after your policy commencement date.

11. Fraud and Dishonesty

Dishonest and fraudulent claims lead to increased premiums, so by eliminating this type of behaviour
we ensure that your premium can remain as low as possible.

The following events are considered to be fraudulent and dishonest:

if you submit any claim under this policy which is in any way inflated or the information
submitted in association with a claim is not true and correct;
if you or anyone assisting you is in any way dishonest in the process of obtaining any benefit
under this policy; or
if any of the events insured against in terms of this policy are intentionally caused by you or
with your knowledge.

If a claim is found to be fraudulent or dishonest in any way, we will immediately:

cancel your policy with us;
report the matter to the South Africa Police Service;
report the matter to the Insurance Crime Bureau;
institute legal action against you to recover any losses and costs we may have suffered; and
cancel all other policies you may have with us.

Bidvest McCarthy Warranty Policy Wording 19

June 2022
 Disclosure Notice
Edition: BIL-BIB September 2021 McCarthy

The following disclosures are made in terms of the Financial Advisory and Intermediary Services (FAIS) Act (No 37 of 2002), the
Protection of Personal Information Act (No 4 of 2013) and the Policyholder Protection Rules established under the Regulations to
the Short-Term Insurance Act (No 53 of 1998).

About the Insurer

Bidvest Insurance Limited, Registration No 1997/019461/06
A member of the South African Insurance Association; a licensed non-Life insurer; authorised to provide financial advice
and intermediary services on short-term Insurance: personal Lines and commercial Lines.
FSP No 46395
Address 2nd Floor, Lincoln on the Lake, 2 The High Street, Umhlanga Ridge, 4319
Postal PO Box 25038, Gateway, 4321
Tel 0861 888 861
Email info@bidvestinsurance.co.za
Website www.bidvestinsurance.co.za

The Compliance Officer for the insurer is Ms Slindile Nzimande who can be contacted per the above details or by email
on compliance@bidvestinsurance.co.za.
Bidvest Insurance Limited has professional indemnity and fidelity guarantee insurance and accepts responsibility for the
financial advice of its representatives, acting in the scope and course of their employment.
Bidvest Insurance Limited has a Conflict of Interest Management Policy that is available on its website.
When the policy was sold, you consented to Bidvest Insurance Limited processing your personal information in terms of
its insurance regulatory obligations and to keep you updated with any future offers from Bidvest Insurance Limited.

About the Administrator

Bidvest Insurance Brokers (Pty) Ltd, Reg No 1967/000378/07, is Authorised to provide advice and intermediary services on
Short-term Insurance: Personal Lines and Commercial Lines business.
FSP No 44446
Address 2nd Floor, Lincoln on the Lake, 2 The High Street, Umhlanga Ridge, 4319
Postal P.O. Box 25038, Gateway, 4321
Tel 0861 272 777
Email admin@bidvestinsurance.co.za
Website www.bidvestinsurance.co.za

When your policy was sold to you, you provided consent for your personal information to be processed by the
administrator.
Bidvest Insurance Brokers (Pty) Ltd is paid a fee as a percentage of gross written premiums for performing the binder
activities, which is disclosed in the Policy Schedule. Bidvest Insurance Brokers (Pty) Ltd is duly authorised by the Bidvest
Insurance Limited to collect premiums on its behalf.
The Compliance Officer for the Administrator is Associated Compliance (Pty) Ltd who can be contacted on
Tel: (011) 678 2533; or email: info@associatedcompliance.co.za.
Bidvest Insurance Brokers (Pty) Ltd has professional indemnity and fidelity guarantee insurance.
Bidvest Insurance Brokers (Pty) Ltd has a Conflict of Interest Management Policy that is available on its website.
Bidvest Insurance Brokers (Pty) Ltd does not hold more than 10% of the shares in Bidvest Insurance Limited and does
receive more than 30% of total remuneration from Bidvest Insurance Limited.
You have a right to request call recordings and you can access or amend your personal information on record at
PAIA@bidvestinsurance.co.za.

How to Institute a Claim

You may lodge a claim by calling 0861 272 777 or using one of the following email addresses (in alphabetical order):
 Deposit Protector depositclaims@bidvestinsurance.co.za
Bodyguard scratchclaims@bidvestinsurance.co.za
Keyguard keyclaims@bidvestinsurance.co.za
My Warranty/My Taxi Warranty warrantyclaims@bidvestinsurance.co.za
Shortfall Protection shortfallclaims@bidvestinsurance.co.za
Theftbuster Key Care/Essential theftbusterclaims@bidvestinsurance.co.za
Tyreguard tyreclaims@bidvestinsurance.co.za

Claims should be submitted as soon as possible, and within 30 days of the claim event or within a shorter period if
specified in the policy document. In the unfortunate event that your claim is rejected, this will be communicated to
you in writing by Bidvest Insurance Limited.
If you wish to dispute the outcome of the claim, you must raise an objection to Bidvest Insurance Limited in writing
together with reasons within 90 days from the day you received written notification of the outcome of your claim using
the contact details provided below.

Complaints
Should you have a complaint, please submit it in writing or contact us on the following details:
Tel 0861 272 777
Email complaints@bidvestinsurance.co.za

If, after following the above steps, you are still not satisfied with the outcome, you may submit a complaint to the
Ombudsman for Short-term Insurance at:
Postal PO Box 32334, Braamfontein, 2017
Tel 011 726 8900
Email info@osti.co.za
Website www.osti.co.za
Alternatively, if your complaint is related to the sale of your policy, you may submit a complaint to the FAIS Ombudsman at:
Postal PO Box 74751, Lynnwood Ridge, 0040
Tel 012 762 5000
Email info@faisombud.co.za
Website www.faisombud.co.za

Should you wish to lodge a complaint with the Information Regulator regarding the processing of your personal information,
their contact details are:
Postal P.O Box 31533, Braamfontein, Johannesburg, 2017
Email complaints.IR@justice.gov.za
Website www.justice.gov.za/inforeg/

Other matters of importance

All material facts must be accurately, fully and properly disclosed by you. You are entirely responsible for the
accuracy and completeness of all information provided by you or on your behalf.
If any of the information provided changes, please contact Bidvest Insurance Brokers (Pty) Ltd on 0861 668 888
or admin@bidvestinsurance.co.za.
Do not sign any blank documentation and wherever possible all documentation should be completed by you to
ensure full details have been captured.
Misrepresentation, incorrect or non-disclosure by you of any material facts or circumstances may impact
negatively on any claims arising from your insurance contract.
The policy wording and policy schedule must be read as one document.

Financial Sector Conduct Authority

Postal PO Box 35655, Menlo Park, Pretoria, 0102
Tel 012 428 8000
Email info@fsca.co.za
Website www.fsca.co.za