PAINT TECH - Regent Life · PTSM – Paint Tech Auto Body Warranty Policy Terms and Conditions v5_11.05.2012 Page 1 of 9 PAINT TECH AUTO BODY WARRANTY REGENT INSURANCE COMPANY LTD

PAINT TECHAuto Body Warranty

(PTSM)

Head Offi ce: 146 Boeing Road East, Elma Park, Edenvale, 1609PO Box 674, Edenvale, 1610

Tel: +27 (0) 860 734 368 Fax: +27 (0) 11 574 2828 Web: www.regent.co.za

ADZOO REG 613 / 09- 05 -12

Underwritten by Regent Insurance Company Ltd, a licensed short-term insurer, Company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,

FSP licence 25511.

PTSM – Paint Tech Auto Body Warranty Policy Terms and Conditions v5_11.05.2012 Page 1 of 9

PAINT TECH AUTO BODY WARRANTYREGENT INSURANCE COMPANY LTD

POLICY TERMS AND CONDITIONS

1. SECTION 1: AUTO BODY INSURANCE ThissectioncoversthedefinedinsuranceeventsasstipulatedinSection1andisunderwrittenby

RegentInsuranceCompanyLimited.

2. SECTION 2: AUTO BODY WARRANTY Thissectionwarrantstheday-to-daysafetyandaestheticmaintenanceofthevehicleasstipulated

inSection2.Section2isprovidedforbymaintenanceadministrators.

3. SECTION 3: GENERAL INFORMATION Thesectioncoverstheclausesthatapplytothewholeagreement:

– You are not covered for– Consenttodisclosureofyourpersonalinformation– Howtoclaim

GENERAL AGREEMENT DEFINITIONSa) You, your: Thepersonorentitynamedintheapplicationform.b) Insurer: TheinsurancebenefitsunderSection1areunderwrittenbyRegentInsuranceCompany

Limited(Regent/we/us/our).c) Maintenance Administrator: The maintenance benefits under Section 2 are provided by

recognised maintenance administrators.d) Incident: thesingleeventorhappeninginwhichyourvehiclesustainsminorscratchesordents.

Alldamagesarising fromtheoccurrencemustbeclaimedforsimultaneouslyasdamagesthathaveaccumulatedovertimeandareduetoseparateincidentswillnotbeentertained.

e) The Vehicle: This agreement is applicable to the vehicle as described in the application andschedule,whichmaybeanyofthefollowing:Privatemotorcarsandlightdeliveryvehicleswithagrossvehiclemassofnotmorethan3500kgandTaxiswithagrossvehiclemassofnotmorethan8 700kg.i) Vehicles used for any of the following purposes areexcluded: Racing, rallies, hiring,

carryingofexplosivesortradegoodsforbusinesspurposes,drivinginstructionforreward,or if the vehicle is in the custody of themotor trade other than for the purpose of itsoverhaul,upkeeporrepair.

ii) Motorcycles,fourwheeledbikes,scooters,caravansormotorhomes,trailersandboatsare excluded.

f) Period of this Agreement: TheperiodoftheagreementisautomaticallyrenewedmonthlyandwillcontinueuntilcancelledbyyouorRegentInsurance–Pleasesee(j)

g) Commencement of Cover and Benefits: You will be entitled to the insurance cover andmaintenance benefits under this agreement 30 days after the date of your signature on theapplicationformandthecoverwillrunforthefullperiodyouhaveselected,providedthattheinitialinsurancepremiumandmaintenancefeeshavebeenpaidbyyou.


h) Theft or destruction of the vehicle: Ifyourvehicleisstolen,hijackedordamagedbeyondrepairduring theperiodof thisagreement, then theagreement shall bedeemed tohave terminatedonthedateofsuchoccurrence.YouwillbeentitledtoaproratarefundunderSection1ofanypaymentsmadebyyouinadvanceasatthatdateprovidedthatnoclaimshavebeenpaid.ThemaintenanceportionunderSection2isnon-refundable.

i) Value Added Tax (VAT): All monetary amounts referred to in this agreement are deemed to include VAT.

j) Cancellation: Thisagreementmaybecancelledbyyou,orbyRegent,bygiving30dayswrittennotice.Regentmaygiveyounoticeinwritingbyelectronicmail,faxorbyposttoyourlastknownaddress.

k) Change of Ownership: Thispolicyisnottransferable.

SECTION 1: AUTO BODY INSURANCE

INTRODUCTION

Thispolicydocument,theinformationyouhaveprovidedandtheschedule,formthecontractofinsurancebetweenus(RegentInsuranceCompanyLimited)andyou(theinsured).Inreturnforyourpremiumandprovidingthatyoucomplywiththetermsandconditionsofthepolicy,wewillprovidethecoverdescribedinthepolicyandschedule.

1. WHAT YOU ARE COVERED FOR – INSURANCE DEFINED EVENTS

ThePaintTechAutoBodyinsurancesectioncoversyourvehicleforthefollowingdamage:

1.1. Windscreen damage Where your vehicle’swindscreen is damaged by impact resulting in a chip on the surface of

thewindscreenandsuchdamageisrepairable,wewillberesponsibleforthecostoftherepair.In theevent that thewindscreencracksduringtherepairprocess, thereplacementcostof thewindscreenwillbeforyourownaccount.Thisbenefitincludesrepairabledamagetoheadlampsandrelatedglasscomponents.

1.2. Hail damage Whereyourvehicleisdamagedbyhailandcanbesuccessfullyrepairedbyanaccrediteddent

removerorrecogniseddentremovalprocessforhaildamagerestoration,wewillberesponsibleforamaximumindemnityofR2000per12monthperiodofcoverinrespectofsuchrepairordentremoval.

1.3. Wheel rims and mag wheels Whereonlyyourvehicle’swheelrimsormagwheelsaredamagedandarerepairable,wewillpay

fortherepairstothedamageuptoamaximumamountofR2000per12monthperiodofcover.


1.4. Minor dents Wewillpayforrepairsto“minordents”toyourvehiclewhicharewithinanareanotexceeding

15cmindiameter,wewillpayfortherepairstothedamageuptoamaximumamountofR2000.Whereanypartofthebodypanelhasbeenrippedortorn,thenthedamageshallnotbedefinedasadentandshallnotbecoveredunderthispolicysection.

1.5. Scratches Wewillpayforrepairsto“scratches”tothebodyworkofthevehiclewhichdonotexceed15cmin

lengthordiameteranddonotextendovermorethantwobodyparts,wewillpayfortherepairstothedamageuptoamaximumamountofR2000.

2. MAXIMUM INDEMNITY

Themaximumamount thatwewill pay in respect of “MinorDents” and “Scratches” for any1repairisR2000.The total cost of repairs for any 1 Incident may not exceed this amount and therefore no partial claims will be allowed; assuchcostisnotconsideredtobeminordamageandshouldbeclaimedforunderyourcomprehensivemotorinsurancepolicy.

Example: If you have a claim for R3 000, you may not claim for R2 000 and pay the balance of R1 000 to the

repairer. Your claim amount must fall within the maximum amount of R2 000.

3. TAXIS

Wherethevehicledescribedinthescheduleisusedforthecarryingoffarepayingpassengers–TheMaximumIndemnityinrespectoftaxisislimitedtoR2000any1repairandtoR8000intheaggregate for any 1 year of insurance.

TAXI EXCESS YouwillberesponsibleforthefirstR250ofeachandeveryincidentgivingrisetoaclaimunder

eachofthe“DefinedEvents”,except inthecaseof“WindscreenDamage”wherenoexcessisapplicable.

4. WHAT YOU MUST DO

If you do not follow these conditions, then it is likely that your claim will not be paid.a) Care of the Vehicle –Youmusttakeallreasonablestepstomaintainthebodyworkofthe

vehicle.b) Repair –Youmustnotifyusofaclaimwithin30daysoftheincidentandyoumustobtain

authorisationfromuspriortothecommencementofrepairs.c) Repair Co-Operation –Youshall,onthereportingofdamage,atourrequestorthatof

ourdulyappointedrepresentative,ensurethatthevehicleistakentoarepairerapprovedbyus.

d) Rights –NothingcontainedhereinshallgiveanyrightsagainsttherepairerorRegenttoanypersonotherthanyou.


e) Misrepresentation –Misrepresentation,misdescriptionornon-disclosureofanymaterialfact shall render this insurance section void.

f) Rejection of claim and time bari) Youhavetoprovidesatisfactoryproofofanylossthatyouclaimfor.ii) Ifyourclaimhasbeenrejectedortheamountdisputed,youhave90daysafter

receipt of our rejection letter tomake representations to us in respect of ourdecision.

iii) Youhaveafurther6monthstoinstitutelegalactionagainstusaftertheexpiryofthe90daysreferredtoabove.

iv) Ifyoudonotserveasummonsonuswithinthisperiod,youwillforfeittherighttochallengeourrejection.

g) Damage –we,orourdulyappointedrepresentative,shallbethesolepartytoauthoriseorrejectclaims.Youshallallowus,orourdulyappointedrepresentative,accesstoinspectthevehiclethatisthesubjectoftherepair.

5. WHAT YOU ARE NOT COVERED FOR – SPECIFIC EXCLUSIONS

Youwillhavenocoverunderthissectioninrespectof:a) anydamagefallingoutsidetheperiodofcover;b) anylegalliabilitywhatsoevertoanythirdparty;c) anyconsequentiallossfromanycausewhatsoever,oranycontractualliabilitywhichyou

maysufferorforwhichyoumaybecomeliable;d) mechanicalorelectricalbreakdownsorbreakages;e) racing,rallies,hiring,carryingofexplosivesortradegoodsforbusinesspurposes,driving

instructionforreward,orifthevehicleisinthecustodyofthemotortradeotherthanforthepurposeofitsoverhaul,upkeeporrepair;

f) anylossordamagetothirdpartypropertyordeathorbodilyinjurytopassengersorthirdparties;

g) anyloss,damageorliabilitycausedbycivilcommotion,riot,strike,war,mutiny,militaryrising,martiallaw,rebellion,revolution,anyactinprotestagainstanyState,Governmentoranygovernmentbody,oranynuclearorradioactivematerial;

h) repairsrequiringstrippingorassemblyofpartsorbodyworkasthatisnotconsideredtobe“minordentsorscratches”andanyrepairsexceeding15cminlengthordiameterwillnotbecovered;

i) repairstothevehiclethathavenotstartedwithin90daysoftheauthorisationoftheclaim;j) any unauthorised repair work completed by the repairer. You will be responsible for

the payment of any unauthorised repair work that was completed by the repairer;k) fraudulent claims: Anyclaimunderthisagreement,which is inanywayfraudulentor

materially inaccurate is excluded. In such circumstances all paymentsmade shall beforfeited.


SECTION 2: AUTO BODY WARRANTY

INTRODUCTIONThissectionistheagreementbetweenyouandthemaintenanceadministrator.Inreturnforyourpaymentandproviding thatyoucomplywith the termsandconditionsof thissection,wewillprovide thecoverdescribedbelow.

WARRANTY BENEFITS

ThePaintTechAutoBodyWarrantysectionaimstomaintainthesafetyandaestheticappearanceofyourvehicleasperthedefinedevents.

1. WHAT EVENTS ARE COVERED – WARRANTY DEFINED EVENTS

1.1. Minor Chips, Dents and Scratches This warranty section protects your vehicle and provides for the restoration of the paintwork

damagedasaresultofgeneralwearandteararisingoutofday-to-daydriving.Thissection islimitedtothefollowingwearandteartothebodyworkofthevehiclestatedintheapplicationform:a) chipsthatarerepairablebymeansofbrushtouchedtechniques;b) dentswithinanareanotexceeding3cm indiameter thatare repairablebymeansof

paintlessdentremovaltechniques;c) scratchesthatcanbeconcealedbymeansofbrushtouchup;d) tar removal.

Maximum Amount Payable Themaximumamount that themaintenance administratorwill pay per repair or restoration is

R1 000. Repairworkwhichfallsoutsidethedefinitionofthewarrantybenefitsdoesnotqualifyforrepairs

under thewarrantysectionandmustbeclaimed forunderSection1.AutoBody Insurance, ifapplicable.

AnyrepairworkinexcessofR1000isnotconsideredtobedamageasaresultofday-to-daywearandtearasdefinedaboveandwillbeforyourowncost,oralternativelymaybeclaimedundertheAutoBodyInsuranceportionofthisproductoryourcomprehensivemotorinsurancepolicy,whicheverisapplicable.

Frequency of Warranty Benefit Thissectionentitlesyoutounlimitedchip,dentandscratchremoval,asdefinedinDefinedEvents

describedabovewithintheperiodoftheagreement.

1.2. Air Conditioner Anairconditioner treatmentproductwillbeprovided toyouunder thewarrantysectionof this

agreement in order to maintain the air conditioner system of the vehicle. Theproductisdesignedtodisinfectyourairconditionersystemfromharmfulbacteria,mouldand

fungi,removingsmellsand,badodours,leavingyourcarsmellingfreshwhilepreventing“SCS”SickCarSyndrome.Theairconditionersystemiscoatedwithanti-bacterialagentsandlastsupto12 months.


Air Conditioner Procedure Thismaintenancebenefitentitlesyoutoreceive1airconditionerproductper12monthperiodof

cover.Youwillbecontactedbytheservicesupplierdesignatedbythemaintenanceadministrator,6months after inception and annually thereafter. Re-gassing, servicing and repairs to the airconditioner are excluded.

2. WHAT EVENTS ARE NOT COVERED – SPECIFIC EXCLUSIONS

Youwillhavenocoverunderthissectioninrespectof:a) anydamagethatisnotdefinedunder“DefinedEvents”;b) anydamagefallingoutsidethetimelimitsoftheperiodofthisagreement;c) anydamageexceedingthemaximumrepairlimitasdefined;d) anydamageresultinginthereplacementofanybodypanelorpartthereof;e) anydamageinvolvingaccessories,doormouldings,windowmouldings,beading,lamps

ofanysortoranywindowpanel;f) damagetocarradios,soundequipmentorcartelephones;g) anylossordamagetotyres;h) any lossordamage to thirdpartypropertyordeathofor injury topassengersor third

parties;i) anypre-existingdamage,includingrustingoranygraduallydevelopingcause;j) anydepreciationinvaluearisingfromrepairsorrestoration;k) anyrepairsorservicesoutsidetheRepublicofSouthAfrica;l) re-gassing,servicingandrepairstotheairconditioner;m) repairsrequiringstrippingorassemblyofpartsorbodyworkasthatisnotconsideredto

be“minordentsorscratches”andwillnotbecovered;n) repairstothevehiclethathavenotstartedwithin90daysoftheauthorisationoftheclaim;o) any unauthorised repair work completed by the repairer. You will be responsible for

the payment of any unauthorised repair work that was completed by the repairer;p) fraudulent claims: Anyclaimunderthisagreement,which is inanywayfraudulentor

materially inaccurate is excluded. In such circumstances all paymentsmade shall beforfeited.

SECTION 3: GENERAL INFORMATION

1. YOU ARE NOT COVERED FOR

Thefollowingaregeneralexceptionsthatapplytothewholeagreement:

a) Nuclear risks Loss,damageorliabilitydirectlyorindirectlycausedbyorarisingfromionisingradiation

orradioactivecontaminationfromanynuclearfuelorfromanynuclearwastearisingfromburningnuclearfuel;ortheradioactive,toxic,explosiveorotherdangerouspropertiesofanyexplosivenuclearequipmentornuclearpartofthatequipment.

b) War and public disorder Anyloss,damageorliabilitycausedbycivilcommotion,riot,strike,war,mutiny,military

rising,martiallaw,rebellion,revolution,anyactinprotestagainstanyState,Governmentoranygovernmentbody.


2. CONSENT TO DISCLOSURE OF YOUR PERSONAL INFORMATION

YouacknowledgethatthesharingofclaimsandunderwritinginformationbyInsurersisessentialtoenabletheInsuranceindustrytounderwritepoliciesandassessrisksfairlyandtoreducetheincidenceof fraudulentclaims. In thepublic interestandwithaview to limitingpremiums,youherebywaiveanyrighttoprivacyinanyinsuranceorclaimsinformationsuppliedbyyouoronyourbehalfinrespectofanyinsuranceapplicationorclaimmadeorlodgedbyyouandyouconsenttothe disclosure of any information relevant to any insurance claim concerning you or any insured personwhomyourepresent.

3. HOW TO CLAIM

a) Contact our Call Centre Number 0861 113 879 immediately or visit our website on www.cmc.za.net when you have a claim, or if maintenance is required. The Call Centrewilldirectyoutothenearestrepairerapprovedbyus.

b) You must provide the Call Centre with your agreement number before any repair iscommenced.

c) WherethevehicleisataxiyouwillberesponsiblefortheexcessasstipulatedinSection1inrespectofinsuranceclaims.

d) Youmustnotifyusofaclaimwithin30daysoftheincident.e) Please see Section 1. point 4. (What You Must Do) for the full details.f) Youmustcompleteaqualityacceptanceformoncompletionoftherepairorrestoration

work.

Note: You will be responsible for the payment of any unauthorised repair work completed by the repairer.

SignedonbehalfofRegentInsuranceatJohannesburg

UnderwrittenbyRegentInsuranceCompanyLtd,alicensedshort-terminsurer,companyreg.no.:1966/007612/06,andanauthorised

Financial Services Provider, FSP license 25511.


FAIS DISCLOSURE NOTICE

DISCLOSURES REQUIRED IN TERMS OF THEFINANCIAL ADVISORY AND INTERMEDIARY SERVICES ACT 37

OF 2002 (“FAIS”)

1. Regent Insurance Company Limited 146BoeingRoadEast POBox674 Telephone: 0860734368 ElmaPark Edenvale Fax: (011)5742828 Edenvale 1610 Websiteaddress:www.regent.co.za 1609

Regent Insurance Company is a public company, a registered short-term insurer and anauthorisedfinancialservicesprovider.

2. Claims Procedures In order to claim, contact CMC on 0861 113 879 or visit www.cmc.za.net within 30 days

of the claim event. Youwillbedirected to thenearest repairerapprovedbyRegent. Ifyouarenotsatisfiedwiththeoutcomeofyourclaim,youmaywritetotheComplaintsDepartmentofRegentatanyoftheaddressesabovewithin90daysoftheclaimsdecision.Ifyouarestillnot satisfied, you have an additional 6months after expiry of the 90 days to institute legalactionagainstRegent.YoualsohaverecoursetotheOmbudsmanforShort-TermInsuranceat POBox32334,Braamfontein,2017.

3.1. Complaints Procedures Ifyouhaveacomplaintaboutthispolicy,youcansubmitacomplaintinwritingtotheRegent

Complaints Department at any of the addresses above, or on Telephone: 0861 268 378, Fax:(011)5793599ande-mail:[email protected].

If thematter isnot resolved toyoursatisfactionbyRegent, youmaysubmit yourcomplaint inwritingtotheOmbudsmanforShort-termInsuranceatPOBox32334,Braamfontein,2017.HemayalsobecontactedonTelephone:0860OMBUDS(0860662837)or(011)7268900,Fax:(011)7265501ande-mail:[email protected].

3.2. FAIS Ombud If youhaveaproblemwith theway theproductwassold to you, thedisclosures thatwere

made to youor the advice thatwasgiven to you, youmust contactRegent. If youare notsatisfied with the reply, you may submit your complaint in writing to the FAIS Ombud at POBox74571,LynwoodRidge,0040.HemayalsobecontactedonTelephone:0860OMBUDS(0860662837),Fax:(012)3483447ande-mail:[email protected].

3.3. Compliance Officer The compliance officer of Regent may be contacted at any of the contact addresses of

Regentmentioned above. In addition the compliance officer can be contacted by e-mail [email protected].


4. Important Matters Itisveryimportantthatyouarequitesurethatthepolicymeetsyourneedsandthatyoufeelthat

you have all the information you need to make a decision. Feel free to make notes regarding verbalinformationandaskforwrittenconfirmationorcopiesofdocuments.Discloseallmaterialfactsaccurately, fullyandproperly.All informationprovidedbyyouoronyourbehalf isyourownresponsibility.Youneedtobesatisfiedwiththeaccuracyofanytransactionsubmittedbyanyoneonyourbehalf.Donotsignanyincompleteorblankdocuments.Nopersonmayinsistthat you do so.

PAINT TECHAuto Body Warranty

(PTSM)

Head Offi ce: 146 Boeing Road East, Elma Park, Edenvale, 1609PO Box 674, Edenvale, 1610

Tel: +27 (0) 860 734 368 Fax: +27 (0) 11 574 2828 Web: www.regent.co.za

ADZOO REG 613 / 09- 05 -12

Underwritten by Regent Insurance Company Ltd, a licensed short-term insurer, Company reg. no.: 1966/007612/06 and an authorised Financial Services Provider,

FSP licence 25511.

Documents

PAINT TECH - Regent Life · PTSM – Paint Tech Auto Body Warranty Policy Terms and Conditions v5_11.05.2012 Page 1 of 9 PAINT TECH AUTO BODY WARRANTY REGENT INSURANCE COMPANY LTD