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### Comprehensive Guide to Short-Term Vehicle Insurance ###

This course offers a thorough understanding of vehicle cover within short-term insurance. Participants will gain insights into the types of vehicles eligible for coverage, including passenger and commercial vehicles. The course includes self-assessments to reinforce learning. You will also learn about driver responsibilities and important conditions, such as liability coverage and the exclusion of certain vehicle types. By the end of this course, you will be equipped with the necessary knowledge to navigate the complexities of vehicle insurance effectively. ###

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### Comprehensive Guide to Short-Term Vehicle Insurance ###

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  1. Vehicle Cover Short-term Insurance Short-term Insurance Short-term Insurance

  2. What will this course do for you? • After this course you will have an understanding of Vehicle Cover • Follow the slides to obtain a comprehensive overview • You will have self assessments to complete during the course

  3. Vehicles • Please work through each slide carefully to gain the necessary knowledge that is required on vehicles

  4. Which vehicles do we cover? • We only cover SA registered vehicles such as: • Passenger Vehicles • Commercial Vehicles • Vehicles with Tool of Trade attached • Motorcycles • Caravans • Trailers

  5. Excluded vehicles • We do not cover vehicles such as: • Emergency services-, traffic control and armed response vehicles • Law enforcement vehicles • Taxis, busses and any vehicle carrying fare-paying passengers

  6. Driver options • 1. Single Regular Driver – person who drives the vehicle most often on a regular basis in any monthly period – Private or Business Use • 2. Multiple Regular Drivers – up to 3 drivers who all use the vehicle on a regular basis in any monthly period – Business Use Only • 3. Pool Vehicle – no specific drivers, as the vehicle is used randomly by more than 3 drivers in any monthly period – Business Use only

  7. Clients responsibility • Driver responsibilities (all drivers to adhere to terms and conditions) • Important changes (inform us of change of driver, address or use) • Prevent loss or damage

  8. Accident Intentional Acts Theft/Hi Jack/Attempted Fire Explosion Earthquake Acts of Nature Towing & Storage Liability to O/P Comprehensive cover • This is the full range of cover

  9. Accident Intentional Acts Theft/Hi Jack/Attempted Fire Explosion Earthquake Acts of Nature Towing & Storage Liability to O/P Limited cover • Cover is limited as per diagram

  10. Accident Intentional Acts Theft/Hi Jack/Attempted Fire Explosion Earthquake Acts of Nature Towing & Storage Liability to O/P Liability to other parties • Cover is limited as per diagram

  11. Passenger liability • There is NO passenger liability for Commercial vehicles • Passenger liability is only available on passenger vehicles if: • The passenger has no affiliation to the business • The passenger is sitting in a seat designed by the manufacturer to carry passengers

  12. Tools of trade • Damage caused when the vehicle is moving = VEHICLE LIABILITY • Damage caused by the tool of trade = PUBLIC LIABILITY

  13. Momentum Explorer • For PRIVATE use only!

  14. Personal excesses • Pensioners 60 years and older – no excess • Collection Fee R8,44 pm • Joining Fee R216,00 (once-off)

  15. Commercial excesses

  16. Self assessment • Complete the following assessment to test your knowledge on the vehicle section

  17. Self assessment Question 1 of 5 • A client wants to cover the vehicle depicted in the diagram • Which 3 of the following must be specified as accessories? • The emergency light that the client installed • The standard sound system so the client can enjoy a lower excess • The tyres and standard rims • Nothing needs to be specified as accessories • The tipper unit and the value of parts and labour to install the tipper unit

  18. Self assessment Question 2 of 5 • A regular driver is the person who drives the vehicle once a month • True • False

  19. Self assessment Question 3 of 5 • Which 2 of the following 5 vehicle groups are excluded from our cover? • Vehicles carrying livestock • Emergency response vehicles • Taxis and fare-paying passenger vehicles • Vehicles used in the excavation of land • Vehicles driven by lawyers

  20. Self assessment Question 4 of 5 • Which of the following vehicles will never have passenger liability? • A Ford Fiesta • A Renault Megane • A 10 Ton Scania Truck • A Nissan Hardbody

  21. Self assessment Question 5 of 5 • Match the correct driver base with the correct scenario? Single Regular Driver A client wants to cover a vehicle that will be driven by 2 reps and a manager Multiple Regular Driver The client informs you that the vehicle is being driven by anybody in the company Pool Vehicle The client wants to cover a vehicle that he uses for client visits. No one else will use the vehicle

  22. Vehicle cover • Congratulations!! • You have now completed your Self assessment course on Vehicle Cover

  23. Thank you Short-term Insurance Short-term Insurance Short-term Insurance

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