In the event of any medical emergency, the client has the assurance of complete access to:

• Emergency telephonic assistance
• Emergency response by road or air ambulance to the scene of the incident
• Transfers by road or air to the most appropriate medical facility
• Transfers of life saving medication/blood
• Companionship and/or care for stranded minors
• Repatriation of terminally ill patients if hospitalised far from home
• Repatriation of mortal remains
• Access to specialised rape crisis centres

Should the client experience an emergency at home, Home Assist will cover the call-out fee plus 1 hour’s labour for the services of

• Plumbers
• Electricians
• Glaziers
• Locksmiths

Clients also have full access to a comprehensive data-base, where referrals are given for:

• Builders
• Carpet specialists
• Painters
• Garden services
• Fire damage repairers

The Home Assist service has a maximum annual limit of 5 call-outs per household.

This benefit offers the client the following rapid roadside emergency solutions:

Breakdown Assistance

• Towing to the nearest dealer after a mechanical/electrical breakdown
• Cover for the call-out fee plus 1 hour’s labour for a vehicle locksmith if the client’s keys are locked in the car
• Cover for the call out and 1st hour’s labour when assistance with a flat tyre/battery is required
• Free emergency delivery of 10 litres of fuel (charged at cost)
• Roadside referral
• Mechanic referral
• Direction service
• 72 Hours’ free storage after tows
• Notification and message service for family or business
• If the client is stranded more than 100 km away from home after a breakdown and the vehicle needs to be towed to a repairer, the following will be arranged and R500 paid towards
  • courtesy transport for the client and a maximum of 6 persons to one nominated destination

• hotel accommodation for the client and a maximum of 6 persons if there is an overnight delay

• car hire for a 24 hour period, subject to the client’s provision of a credit card guarantee and limited to rental charges, delivery and collection of the hire vehicle, the first tank of fuel and surrender of the vehicle on arrival at the destination

R500 will also be paid toward the cost of collecting the vehicle and returning it to the client’s normal place of residence after the repair has been effected.

The Breakdown Assistance service has a maximum annual limit of 3 call-outs per insured vehicle.

Accident Assistance
Through the Auto & General Towline, the client enjoys

• Towing to the nearest approved panel beater/yard after an accident
• Collision procedure advice

No limit is set for accident towing under this benefit.

This service is operated through a nationwide network of over 110 recognised trauma centres which offer the client:

• 3 face to face trauma counselling sessions
• Assistance with courtroom preparation for witnesses/survivors
• Referral to group therapy and support groups
• Accompaniment to ID parades and court hearings
• Referral to a place of safety or shelter

Qualified attorneys guide the client through the legal process and provide telephonic legal and tax advice services for the following:

• Legal documentation, e.g. sale, lease,  power of attorney agreements, wills and contracts
• Courtroom preparation
• Contractual law

As an added benefit, Auto & General Assist also provides the client with access to information regarding all major entertainment events, the booking of hotel accommodation, restaurants and general travel arrangements.

Underwritten by Assupol, this product offers three plans, each with different pay-out and monthly premium amounts, calculated according to risk profile in the event of death. The main features and benefits of the Auto & General Protection Plan are:

• Cover for the main member or policyholder plus one spouse and five dependants (children under 21 are automatically included)
• Additional extensions for parents, parents-in law and domestic employees are also available
• Death as a result of HIV/AIDS related illness is covered
• A three month waiting period exists for death as a result of natural causes (a 6 month waiting period for additional members on extended plans)
• If the main member’s death is due to an accident, double the maximum compensation amount will be paid out
• Suicide is not covered within the first 24 months
• Claims will be settled in less than 2 working days if all documents is received

This small vehicle damage repair product provides cover to repair chips, minor dents and light scratches that is caused by everyday motoring.

Any small damage that amount to less than R 2250.00(including VAT), with an excess of R 350.00, will be allowed per incident and will be guaranteed for three years. There is no limit to the number of times a client may claim.

Monthly payment per vehicle is a minimal R 39.00 with an excess of R 350.00, which is payable with every visit. Cover activation is subject to a 90-day waiting period, where the product is added onto an existing motor policy (i.e. cover older than 30 days), but becomes effective with the motor cover after inspection of a newly insured vehicle.

The policy provides the client with peace of mind in the event that they are injured, hospitalised, disabled or dies, as a result of an accident(caused by external and visible means), that there will be money to assist. Covers is not only valid for vehicle accidents, but incidents such as falling down the stairs, being mugged or shot etc.

Difference plans are offered with monthly premiums ranging between R 35.00 and R 75.00, and maximum compensation amounts of up to R 250 000.00 for Death and R 250 000.00 for Disablement.

The policyholder also has the option to add his/her spouse, at a discounted rate.

Other benefits include:

• The pay-out for death or disablement is tax-free; and 
• No medical examination is required

An ever increasing need for competitive cellphone insurance has become evident in the consumer market over the last few years. Auto & General thus designed a policy which offers a wide spectrum of cover and, instead of a flat rate, affordable premiums based on the actual risk being insured. Virtually all perils are covered anywhere in the world, with the exception of the following:

• Theft from an unattended vehicle, unless the vehicle was locked
• Loss of or damage to the battery and SIM card, unless they are stolen with the cellphone
• Battery failure
• Scratches or other superficial damage to the outer casing
• Defects in design or manufacture
• Erased or corrupted data
• Stoppage or slowing down of work, process or operation
• Failure, breakage or rust, wear and tear, depreciation, perishing, fading, mechanical or electrical breakdown
• Any loss arising from any contractual liability
• Consequential loss or damage, except if it is specifically insured