Bad service

 

Hi Ofentse

Should you wish to dispute the outcome of your claim you may do so by emailing a detailed dispute to ***

The limits of liability are clearly noted on page 35 of your policy KPPD :  

 Car warranty 

In a nutshell… Our royal car warranty cover ensures that car parts that fail are repaired or replaced… And that your car is back on the road as soon as superhumanly possible. That’s our responsibility. It’s your responsibility to make sure that these car parts are serviced and maintained as they should be. The best thing about our car warranty is that any 1 can sign on the dotted line for it. If your car is insured with us, if your car isn’t insured with us, and even if your car isn’t insured at all... You can have King Price car warranty cover! 

Please note: Our car warranty insurance isn’t a maintenance plan. You’re still responsible for maintaining and servicing your car as per the manufacturer’s guidelines. By ‘car’ we mean Any light motor vehicle or light delivery vehicle (LDV; which weighs less than 3,500kg) that’s registered in SA. 

We don’t cover: 

• Taxis and buses. 
• Emergency vehicles (like traffic control or armed response). 
• Law enforcement vehicles. 
• Vehicles used for towing. 
• Trucks and heavy commercial vehicles (HCVs). • Motorbikes. 
• Vehicles used for racing or rallying. 
• Vehicles that aren’t licensed or aren’t roadworthy. 

By ‘cost of repair’ we mean The usual and reasonable charges for parts and labour to repair or replace the parts that you’re claiming for. By ‘mechanical or electrical failure’ we mean The sudden and unforeseen failure of any of the parts covered by this policy, which arises from mechanical or electrical defects and causes them to stop working, and which as a result need to be repaired or replaced. 36 What’s covered by the king Mechanical or electrical failure After an unforeseen and unexpected mechanical or electrical failure or breakdown, you’re covered for the repair or replacement of the parts, as well as the cost of the necessary labour and associated outwork. 

If your car’s mileage is: 

• Less than 200,000km, you’re covered up to the limits on page 42. 
• Between 200,001km and 250,000km you’re covered up to 75% on the limits on page 42. 
• Between 250,001km and 300,000km, you’re covered up to 50% of the limits on page 42. 
• More than 300,001km, you’re covered up to 25% of the limits on page 42. 

Please note: Please let us know when your car’s mileage reaches 300,000km, so that we can re-evaluate this cover. 

Multiple parts 

You’re covered for any number of failures or repairs that result from the same incident. Such cases will be treated as 1 claim and the amount we’ll pay is limited to the higher insured value. The balance is for your account. For example, if your car’s engine control unit/module (management system) fails and this affects the starter motor (electrical components), and the car warranty option you’re paying a premium for covers both these components, we’d cover them both up to the maximum payout of the management system as it’s the higher limit. Other countries Your car is covered in SA, Botswana, Lesotho, Mozambique, Namibia, Eswatini (Swaziland), Malawi and Zimbabwe. Please note: You’re not covered for the cost of bringing your car back into SA if it’s damaged in another country. 

What’s NOT covered by the king 

Accidents and unreasonable use You’re not covered for damage caused by a car accident or by unreasonable use of the car.  

Alterations and modifications You’re not covered for damage if your car has in any way been altered from the manufacturer’s specifications, or if your car has been modified to improve its performance. 

Betterment You’re not covered for costs that are regarded as betterment. If a repair requires new or exchange parts that we think are in excess of what’s necessary, you may need to contribute to the cost of the repair. Burnt valves You’re not covered for burnt valves caused by a cracked exhaust manifold or by overfuelling. Claim limits If a claim exceeds the insured value stated on page 42 for the component you’re claiming for, you’re covered up to the insured value. 

You’re not covered if the aggregate value of your claims over the past 24 months is more than 50% of the retail value of your car. The total of your car warranty claims may not be more than the purchase price of your car. For example: Your car’s retail value R200,000 50% of your car’s retail value R100,000 Paid-out car warranty claims over past 2 years R90,000 New valid claim R30,000 We’ll pay R10,000 For your account R20,000 R10,000 less than 50% of the retail value For example: Your car’s purchase price R200,000 Total of your car warranty claims R180,000 Paid-out car warranty claims over past 2 years R90,000 New valid claim R30,000 We’ll pay R20,000 For your account R10,000 R20,000 less than the purchase price  

Please note: In such cases, the balance would be for your account. Damage while servicing You’re not covered for damage caused by incorrect lubricants, improper servicing or malicious damage even if these are supp****, performed or carried out while the car is being serviced. 

Depreciation You’re not covered for depreciation. Driveshafts and steering racks You’re not covered for damage to driveshafts or steering racks as a result of damaged rubber boots or seals, or from damage caused by potholes and road inequalities. 

Existing causes You’re not covered if the cause of the damaged parts you’re claiming for existed before the policy start date. Exhausts and catalytic converters You’re not covered for exhaust systems and catalytic convertors. Faulty workmanship or materials You’re not covered for damage caused by faulty workmanship or materials. Hoses and pipes You’re not covered for damage to hoses, pipes, T-pieces, etc. Insured costs You’re not covered for costs or expenses that are covered by your car insurance policy. Intentional acts You’re not covered for any loss or damage caused intentionally by you, or with your knowledge. 
Lack of maintenance If your car is still within the manufacturer/factory warranty, you need to continue servicing it at the appointed facility in line with the manufacturer’s instructions. If your car no longer has a factory warranty, you can choose to service it at a factory-appointed or an RMI-registered (retail motor industry) workshop, and you need to continue servicing it in line with the manufacturer’s instructions. Self-servicing your car, or having it serviced at any other facility, doesn’t fulfil our maintenance requirement. However, we know that having your car serviced can be a bit inconvenient, so we give you leeway of 1,500km or 30 days of the due mileage or date, whichever happens first. Odometer You’re not covered if the odometer isn’t working, or if we think it’s been tampered with, altered or disconnected, or replaced without our knowledge. Oil leaks You’re not covered for damage resulting from oil leaks or for oil leaks themselves, including oil seals on differentials, side shafts, drive shafts, brake boosters, tappet covers, etc. Parts Only the parts stated on page 42 are covered. You’re not covered for any parts that are covered by the manufacturer or supplier’s warranty when they fail. Pre-existing damage You’re not covered for damage that we think would’ve been evident before the start date. Routine maintenance You’re not covered for the cost of servicing your car, or for routine maintenance. Service items You’re not covered for service items or items that need to be changed at specific or regular intervals, like oil, grease, filters, hydraulic fluid, additives, anti-freeze, spark plugs, points, condenser, V-belts, cambelts, consumables, shock absorbers, springs, injectors, glow plugs, worn parts, etc. 
Towing and repatriation You’re not covered for any costs associated with transporting or towing your car, whether in SA or in any other country. Unauthorised repairs You’re not covered if you have repairs done without our prior written permission. Unlicensed or drunk driving You’re not covered for damage that happens while the car is being driven by you, or another person with your consent, while not fully licensed to drive or while under the influence of drugs or alcohol. Usage You’re only covered if the car is used for private purposes. 

You’re not covered if the car is: 

• Used for any business purpose (like being rented out or used for driving instruction for reward). 
• Connected with the motor trade (like being used to test brakes or shocks, or to test performance in extreme weather conditions). 

Wear and tear 

You’re not covered for damage caused by parts that wear as part of their function, like diffs, the suspension, wheel bearings, CV joints, clutch, drive pulleys, brake pads, brake linings, tyres, etc. If these parts are replaced as part of a larger repair job, you’ll have to contribute to the cost in line with their level of wear and tear. Wiring, immobilisers and security You’re not covered for damage to any electrical wiring, or to your car’s immobiliser or security system, whether factory-fitted or not. Our T’s and C’s Authorised providers All repairs must be done by a repairer of our choice, and we’ll pay all claims directly to the repairer.  

Eligibility To be eligible for cover you must: 

• Be able to provide a full service history of the car. 
• Reside permanently in SA. 

End date 

Your cover under this policy will end when: 
 
You sell the insured car. (Please note that you can’t transfer this policy to your new car.) 

• The insured car is written-off, or is ****** or hi-jacked and not recovered. 
• You tell us to end your cover, provided that you give us a month’s notice. 

Please note: When your cover ends it doesn’t have a cash value. Servicing If you don’t have an up-to-date service history for your car when you take out our car warranty cover, you won’t be able to claim. (So take your car to a manufacturerapproved or RMI-registered service centre and have it done before you sign up, okay.) 

Waiting period 

We won’t pay claims for any damage that happens before, or within 30 days of, the start date. After the first 30 days have passed, for the next 30-day period, we’ll pay 25% of the cost of either the repair or the insured value for the part as stated on page 42, whichever amount is less. After the first 60 days have passed, you’re covered in full up to the insured values stated on page 42.