806112862-1

28 June 2024
Good day MR RH MABUZA

YOUR BUSINESS INSURANCE POLICY: 806112862.
Thank you for keeping your policy updated. This is one way to make sure your business is insured right. This letter includes the
most updated version of your policy documents.
Here’s a reminder of the important things that you need to do:
1. Read your policy documents

Read through your documents in the links below to make sure that your requested changes were made. Let us
know of any additional changes by calling us on 0861333877.
Links to your policy documents
2. Save our emergency assist number to your phone

You can access our Business Assist services by directly calling us. Besides emergency road and medical
assistance, we have a range of other services designed to assist your growing business. These include collections
and tender assistance, as well as expert financial advice from qualified advisors, to name only a few. Call the
emergency assist line on 0861333877.
We’ve also conveniently included your Towline discs in your policy schedule and Business Assist brochure. Be sure
to print and display them on your business vehicles and share the emergency number with your drivers or
employees.
3. Sign up for our Cash Back Plus

If you haven’t already done so, you can sign up for our optional Cash Back Plus offer, which rewards you in cash for
having uninterrupted, claim-free cover for four years. Read more about the terms and conditions in the Cash Back
Plus Brochure.
Please click on the links below to access some additional documents:
Should you not be able to access your policy documents via the above links, please contact us on 0861333877 for
assistance.
Remember, we are committed to ensuring that your business is always insured right, serviced right and settled right,
that’s the A&G Difference™.
Kind regards,
Your A&G Business Insurance Team
Auto&General Park, Dainfern, 1 Telesure Ln,

Riverglen, Midrand, 2191, South Africa
Call Centre operating hours:

Monday to Friday 8am - 5pm | Saturday 8am - 1pm | Public Holiday: Closed 0861333877
Auto & General Insurance Company Ltd (Reg. No. 1973/016880/06) is a licensed non-life insurer
and financial services provider (FSP licence number: 16354). www.autogen.co.za
Summary of your Cover
Policy Number 806112862 Effective Date: 2024/07/01

Business Type:
E-HAILING
Business Name and Address:
MR RH MABUZA
Physical Address:
14 ALBANIA STREET
COSMO CITY EXT 8
2188
Postal Address: Telephone Work: 'N/A'

14 ALBANIA STREET
Telephone Cellular: 0765370367
COSMO CITY EXT 8
2188 E-mail Address: ronald.mabuza@yahoo.com
The residential address plus any other daytime or overnight addresses displayed on this schedule are the risk addresses where
you keep the insured items. These have an influence on the calculation of your premium and determines the acceptability of your
risk plus the terms and conditions that are applied to your policy. IF YOU CHANGE ANY OF THESE ADDRESSES AND DO NOT
UPDATE YOUR POLICY RECORDS, YOU MAY NO LONGER HAVE INSURANCE.
E-Hailing
An E-Hailing business is vehicles registered with an E-Hailing service provider for carrying fare-paying passengers. The vehicle must
at all times comply with all relevant laws applicable to the use of the vehicle as an E-Hhailing service and all other relevant laws
affecting road transportation in South Africa. You are required to do all things necessary to ensure that both the insured vehicle and
any driver thereof are compliant with the requirements of the National Road Traffic Act.
In addition to the standard driver’s licence the driver needs to be in possession of a valid professional Driving Permit (PrDP). The
PrDP will be requested during claim stage. If it cannot be provided you could be prejudiced at the time of the claim
Failure to comply with any of these stipulations will result in there being no cover at the time of the incident.


Page 3 of 12
Summary of your Cover
Non-Motor Cover
Insured Value Monthly Premium SASRIA Included
Fire Cover Not Selected R - N/A
Business Interruption Cover Not Selected R - N/A
Office Contents Cover Not Selected R - N/A
Buildings Combined Cover Not Selected R - N/A
Contents Cover Not Selected R -
Subsidence of land Cover Not Selected R -
Geyser Cover Cover Not Selected R -
Accounts Receivable Cover Not Selected R - N/A
Theft Cover Not Selected R - N/A
Money Cover Not Selected R - N/A
Fidelity Guarantee Cover Not Selected R - N/A
Glass Cover Not Selected R - N/A
Electronic Equipment Cover Not Selected R - N/A
Business All Risk Cover Not Selected N/A
Cellphones Cover Not Selected R -
Specified Items Cover Not Selected R -
Portable Electronic Equipment Cover Not Selected R -
Tools Cover Not Selected R -
Goods in Transit Cover Not Selected R - N/A
Accidental Damage Cover Not Selected R - N/A
Malicious damage Cover Not Selected R - N/A
Leakage Cover Not Selected R - N/A
Public Liability Cover Not Selected R - N/A
Employers' Liability Cover Not Selected R - N/A
Group Personal Accident Cover Not Selected R - N/A
Machinery Breakdown Cover Not Selected R - N/A
Deterioration of Stock Cover Not Selected R - N/A
Machinery Breakdown Business Interruption Cover Not Selected R - N/A


Page 4 of 12
Motor Cover
Vehicle Make/Model Year Registration Monthly Premium SASRIA Included
NISSAN ALMERA 1.5 ACENTA 2020 KH81WYGP R 1,795.17 Yes
SASRIA Cover R 2.02
TOTAL MONTHLY PREMIUM R 1,797.19
All premiums and insurance values are inclusive of VAT at the applicable rate. This schedule becomes a Tax Invoice once the
premiums are paid in full.


Page 5 of 12
Payment details Policy Number: 806112862
We have agreed to use the following account/s for your premium deductions:
Primary Bank Account
MR RH MABUZA Capitec Bank Limited 1376*********
Savings Capitec Bank Limited
First deduction / Pro-rata premium Date Amount
28 June 2024 1795.17
Future deductions Date Amount

st
31 of each month (if your
deduction date falls on a Sunday
To cover you for following calendar month or public holiday, your debit 1797.19
order may be lodged for an
earlier date).
IMPORTANT: Please note that your policy is a monthly policy and must be paid in advance on the deduction dates as they are
stated above. If your premium is not received on your preferred deduction date, an attempt may be made to collect your
premium on a more suitable date in an effort to keep you covered. If payment is not received for three consecutive months, the
policy will be cancelled immediately.
The payment will be collected by Auto & General Business Insurance on the agreed deduction date. The payment reference will
reflect as A&G/BUSINS on your bank statement. If your deduction date falls on a Sunday or public holiday, your debit order may
be lodged for an earlier date.


Page 6 of 12
Vehicle Section Policy Number: 806112862
2020 NISSAN ALMERA
Vehicle: Registration No.: KH81WYGP
1.5 ACENTA
Vehicle Colour: RED Paint Type: METALLIC
Vehicle Use: Single Regular Driver – E-hailing
You will have cover when the regular driver and his/her spouse use the vehicle for business, social, domestic and pleasure purposes.
You will also have cover if any other driver, whom we did not exclude from the policy, uses the vehicle occasionally for social, domestic
and pleasure purposes but not for business purposes.
Comprehensive Cover Insured Value Basic Excess Monthly Premium
Own Damage/Loss Retail Value R 13,000 R 1,707.42
Hail Damage Retail Value R 13,000 R 39.38
Sound System Cover not selected
Total Liability Cover R 2,500,000 Included
Passenger Liability
Inside RSA R 5,000,000 R 10,000 R 48.37
Outside RSA Cover not selected
Number of seats - 2-9
Vehicle Hire Cover not selected
Loss of Use Cover not selected
Canopy Cover not selected
Window Glass Retail Value R 1,100 Included
Loss of Keys Retail Value R 2,150 Included
Riot Outside South Africa/Namibia Retail Value R 2,150 Included
Wreckage Removal Reasonable Costs R 2,150 Included
Medical Costs R 5,000 Not Applicable Included
Claims preparation costs R 50,000 Not Applicable Included
Vehicle Accessories Cover not selected
TOTAL MONTHLY PREMIUM R 1,795.17


Page 7 of 12
Additional Excess
When the driver of the vehicle
is not the named driver (older than 25): R 5,000
is not the named driver (younger than 25): R 5,000

When the vehicle is used outside the Republic of South Africa: R0
If an insured vehicle is in an accident:
between 23h00 and 05h00, an additional excess will be payable R 2,500
If an insured vehicle is in an accident:
within the first 6 months of inception of the policy R 3,000
If the vehicle is stolen: R 5,600
…or 7.50% of the value of the vehicle whichever is the higher

But you do not pay this excess if we recover the vehicle before we pay the claim, and it is economical to
repair or if a tracking device is fitted.
If your declared km usage increases greater than 10% and up to 20%, you will have an additional excess of R10 000. Added to your
basic if you submit a vehicle claim.
If your declared km usage increases greater than 20% and up to 30%, you will have an additional excess of R20 000. Added to your
basic if you submit a vehicle claim.
These additional excesses will automatically be added to your basic excess
Please note that if the declared km usage increased over 30%, then cover on this specific vehicle will be affected. We will do our best
to contact you to amend the declared km usage. We will also SMS you immediately to give you the opportunity to amend your
declared kilometres.
Should you wish not to amend your cover and premium accordingly we may cancel your policy by giving 31 days’ notice and apply a
R30 000 additional excess should you have a claim during this cancellation period.


Page 8 of 12
Your answers to our questions allow us to work out the premium and to decide if we can accept the risk of the policy or not. If
the declarations that follow for the vehicle section are not entirely true and correct, we may invalidate your cover.
Where is the vehicle parked at night? IN YARD - WITH LOCKED GATES
Overnight parking address: 14 ALBANIA STREET, COSMO CITY EXT 8, 2188
Where is the vehicle parked during the day? ROAMING
Daytime parking address:

Has the vehicle’s engine been upgraded to increase
No
performance?
What is the colour of the vehicle? Red
Is the regular driver of this vehicle also the owner of the
No
vehicle?
Do you use the vehicle between 11pm and 5am? No
Which E-Hailing app/s do you use? Uber

What is the highest average monthly kilometers that
you drive, or will be driving as an E-hailing driver, 3001 - 4500 kms
including private trips?
Vehicle Endorsements
Cover will be limited to Third Party Only, until the vehicle has been inspected at an approved assessment centre. Furthermore, theft
cover or damage because of theft, is excluded until we approve your anti-theft system. Please ignore if done.
Please note that in order to enjoy cover under this policy your vehicle must be fitted with an approved Netstar Telematics device
which must be operational at all times and the monthly payment of premiums must be met. Failure to have an approved Telematics
device will mean that you will not have cover under this policy.
Should the unit not be installed within the 7 days, your premium will be increased due to non-compliance and an additional excess of
R15 000 will be applicable in the event of a claim. The non-compliance premium and excess will automatically be effective from day 8
and a pro-rata premium will be deducted from your bank account.
Business Use: There will be no cover if anyone, under the age of 21, drives this vehicle for business purposes.
Passenger Liability cover outside South Africa
If you have selected the cover and your schedule states that you are paying a premium for it.
We will indemnify you for third party claims made against you by any person being carried in, or on, the insured vehicle described in
your schedule, whether or not such persons are authorised to be in or on the vehicle as a result of an accident in Botswana, Lesotho,
Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.
Vehicle statistics
We will receive vehicle statistics held by third parties where consent was given by the Insured/registered owner of the vehicle. The
data based on the vehicle statistics might result in a possible fluctuation of the vehicle premium. 31 days’ notice of increase in premium
will be given. Should the consent be retracted or cancelled by the Insured/registered owner the company reserves the right to request
the insured obtain alternative cover.


Page 9 of 12
SASRIA Policy Number: 806112862
Cover Insured Value / Units Monthly Premium
Material Damage F2 R - R -
Material Damage F2(O) R - R -
Material Damage F1 R - R -
Material Damage F1(T) R - R -
Business Interruption Working Expenses WE2 F2 R - R -
Business Interruption Working Expenses WE2 F2(O) R - R -
Business Interruption Working Expenses WE2 F1 R - R -
Business Interruption Working Expenses WE2 F1(T) R - R -
Money N/A R -
Goods In Transit R - R -
Motor Traders M4 R - R -
TOTAL SASRIA PREMIUM FOR NON-MOTOR COVER R -
Motor M1 - Non-Goods Carrying/Fare Paying Passengers 1 Unit R 2.02
Motor M2 - Goods Carrying vehicles mass less than 3500kg R R -
Motor M3 - Fare Paying Passengers R R -
Motor M8 - Heavy Commercial Vehicle R R -
Motor M5 - Buses R R -
Motor M6 - Mobile Plant R R -
TOTAL SASRIA PREMIUM FOR MOTOR COVER R 2.02
TOTAL MONTHLY SASRIA PREMIUM R 2.02


Page 10 of 12
Auto & General Business Insurance – Legal disclosures
About your insurer and product supplier for the business insurance selected
FSP Auto & General Insurance Company Ltd

a) FSP Licence Number: 16354
b) Registration Number: 1973/016880/06
c) VAT Number: 4890105085
d) Physical Address: Auto & General Park, 1Telesure Lane, Riverglen, Dainfern,2191
e) Postal Address: P.O. Box 11250, Johannesburg, 2000
f) Website: www.autogen.co.za
g) Tel: (011) 489-4000
h) The Compliance Officer: P.O. Box 11250, Johannesburg, 2000
Tel: (011) 489-4060
Fax: (011) 489-4381
E-mail: compliance@tihsa.co.za
i) Public Officer Tel: 011 489 4000
j) The compliance department deals with issues relating to Auto&General's compliance with the FAIS Act. if you have policy-related issues, please call your
local insurance contact centre at the number that appears on your schedule.
k) In the event of a complaint regarding a contravention of, or failure to comply with the FAIS Act, and/or the wilful or negligent rendering of a financial
service that has or may cause prejudice or damage or if you feel you have been treated unfairly, please fax the details of your complaint to the
Compliance Officer at the fax number at h) above.
l) In the event of a claim, you must call your insurance call centre at the number that appears on your schedule.
m) Auto & General Insurance Company Ltd is a registered Insurer and an Authorised Financial Services Provider, licenced to give advice and render financial
services on short-term insurance personal and commercial lines and long term insurance category A and B.
n) Consultants, who currently do not meet the minimum experience and/or qualification requirements as set by the FAIS Act, render services under
management supervision as provided for in the FAIS Act. All our consultants earn a performance-based remuneration for the financial services rendered
on our behalf.
o) Auto & General Insurance Company Ltd does currently have professional indemnity insurance.
p) All premiums are inclusive of VAT at the standard rate. In terms of Binding General Ruling 14 this policy document together with proof of payment of
insurance premium constitutes a valid tax invoice, debit note and credit note as contemplated in sections 20(7)(a) and 21(5)(a) of the VAT Act.
q) All excess amounts are inclusive of VAT.
About your product supplier of cover for any accidental or intentional damage to your property caused by any person or group of people taking part in a riot, strike, etc
a) Product Supplier: SASRIA SOC LIMITED
b) Registration Number: 1979/000287/06
c) Physical Address: 36 Fricker Road, Illovo
d) Postal Address: P.O. Box 653367, Benmore, 2010
e) Website: www.sasria.co.za
f) Tel: 011 214 0800 / 086 172 7742
g) The Compliance Officer:
Compliance Email Address contactus@sasria.co.za
Compliance Tel: 011 214 0800 / 086 172 7742
h) The compliance department deals with issues relating to SASRIA's compliance with the FAIS Act.
i) Should you have any complaints relating to SASRIA, please e-mail contactus@sasria.co.za.
j) In the event of a SASRIA Claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary.
k) Auto & General is an agency company of SASRIA.
l) Please see your policy book for the type of cover that SASRIA provides.
RECORD OF ADVICE
Record of telephonic, online or all other interaction, is kept for our and your protection. These records will be made available on request.
The information provided within this policy schedule is based on the personal and risk information supplied by you and details the product information as selected. A comparison between
your existing insurance cover and benefits, if any, has not been conducted and our proposal does not constitute advice to replace your existing cover. Please be sure that you compare our
policy schedule to your existing policy schedule to ensure we are able to provide you with similar or better cover and benefits which is suitable to your needs.


Page 11 of 12
COMPLAINTS HANDLING PROCEDURE
You may contact our Internal Dispute Resolution Department in the following ways in order to lodge your dispute regarding a claim, or any general complaint:
Email: disputeresolution@autogen.co.za
Telephone number: 0860 072 327
Postal address: PO Box 11250, Johannesburg, 2000
Physical address: 1 Telesure Lane, Auto & General Park, Riverglen, Dainfern, 2191
In accordance with the Policyholder Protection Rules, you will as a first step have 90 days to dispute the outcome of your claim by contacting our Internal Dispute
Resolution Department. Immediately following this 90-day period you have a further six months to serve summons on us. If you do not do so within this time period,
your right to challenge the decision will be forfeited.
We guarantee that your dispute will be dealt with in an efficient manner and will be reviewed by way of an impartial review process.
We encourage you to first make use of our Internal Dispute Resolution Department in an attempt to resolve your dispute promptly.
Once our Internal Dispute Resolution Department has dealt with your dispute and should the outcome of the dispute not be in your favour, then you may within a
further period of six months contact the Short-term Insurance Ombudsman (www.osti.co.za). For any compliance/non-compliance matters relating to FAIS or the
financial services rendered, you may contact the FAIS Ombudsman (www.faisombud.co.za).
Processing of Personal Information

In order to provide you with the services we are required to process your personal information and will do so lawfully in accordance with our business requirements and legal obligations.
You acknowledge that the personal information may be verified and / or processed for insurance, financial services and risk management purposes by the TIH Group of Companies against
any other reasonable and legitimate sources or databases to ensure the accuracy and completeness of any personal information provided on an ongoing basis.
We will process your personal information for the following purposes:

· Quoting, underwriting, pricing, servicing and executing of insurance and other financial services;
· Assessment of financial and insurance risks;
· Assessment and processing of claims and complaints;
· Development and improvement of products and services;
· Credit references and/or verification of personal information;
· Fraud prevention and detection;
· Market research and statistical analysis;
· Audit & record keeping;
· Compliance with legal & regulatory requirements;
· Sharing of information with service providers and other third parties we engage to process such information on our behalf or who render services to us; and
· Sharing of insurance and claims information with other insurers and industry bodies for legitimate reasons such as fraud prevention and claims validation.
We may transfer your personal information outside the borders of South Africa if required to provide any of the services.
You may access your personal information that we hold and may object to the processing of your personal information or request us to correct any errors or to delete this information if there
is no legitimate reason for us to maintain the information. Please view our privacy policy and access to information manual on our website for further information.
You have the right to complain to the Information Regulator if you feel we are processing personal information unlawfully. The Information Regulator’s details can be found at:
https://www.justice.gov.za/inforeg/


Page 12 of 12

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28 June 2024

Good day MR RH MABUZA

Here’s a reminder of the important things that you need to do:

1. Read your policy documents

Links to your policy documents

2. Save our emergency assist number to your phone

3. Sign up for our Cash Back Plus

Please click on the links below to access some additional documents:

Auto&General Park, Dainfern, 1 Telesure Ln,

Call Centre operating hours:

Policy Number 806112862 Effective Date: 2024/07/01

Postal Address: Telephone Work: 'N/A'

Auto&General Park, Dainfern, 1 Telesure Ln,

Call Centre operating hours:

Business Interruption Cover Not Selected R - N/A

Office Contents Cover Not Selected R - N/A

Buildings Combined Cover Not Selected R - N/A

Contents Cover Not Selected R -

Subsidence of land Cover Not Selected R -

Geyser Cover Cover Not Selected R -

Accounts Receivable Cover Not Selected R - N/A

Theft Cover Not Selected R - N/A

Money Cover Not Selected R - N/A

Fidelity Guarantee Cover Not Selected R - N/A

Glass Cover Not Selected R - N/A

Electronic Equipment Cover Not Selected R - N/A

Business All Risk Cover Not Selected N/A

Cellphones Cover Not Selected R -

Specified Items Cover Not Selected R -

Portable Electronic Equipment Cover Not Selected R -

Tools Cover Not Selected R -

Goods in Transit Cover Not Selected R - N/A

Accidental Damage Cover Not Selected R - N/A

Malicious damage Cover Not Selected R - N/A

Leakage Cover Not Selected R - N/A

Public Liability Cover Not Selected R - N/A

Employers' Liability Cover Not Selected R - N/A

Group Personal Accident Cover Not Selected R - N/A

Machinery Breakdown Cover Not Selected R - N/A

Deterioration of Stock Cover Not Selected R - N/A

Machinery Breakdown Business Interruption Cover Not Selected R - N/A

Auto&General Park, Dainfern, 1 Telesure Ln,

Call Centre operating hours:

SASRIA Cover R 2.02

TOTAL MONTHLY PREMIUM R 1,797.19

Auto&General Park, Dainfern, 1 Telesure Ln,

Call Centre operating hours:

Primary Bank Account

MR RH MABUZA Capitec Bank Limited 1376*********

Savings Capitec Bank Limited

First deduction / Pro-rata premium Date Amount

28 June 2024 1795.17

Future deductions Date Amount

Auto&General Park, Dainfern, 1 Telesure Ln,

Call Centre operating hours:

Vehicle Use: Single Regular Driver – E-hailing

Comprehensive Cover Insured Value Basic Excess Monthly Premium

Own Damage/Loss Retail Value R 13,000 R 1,707.42

Hail Damage Retail Value R 13,000 R 39.38