IMPORTANT INSURANCE TERMS THAT YOU NEED TOK NOW

Excess: The first amount of the claim that you must pay, which is shown in either the schedule or in the policy wording. Excesses are designed to help keep insurance affordable, by ensuring that claims aren’t made for small amounts that insurance isn’t designed to cover.

Modification: Any change to the car that is different to the manufacturer’s original specifications or recommendations. Examples include changes to the engine, steering, performance, suspension, chassis, or bodykits, paintwork, interior modifications, tyres and wheels of the car. NAC does not consider a conversion of the car to run on CNG, LPG, or biogas a modification, provided that the car has a current warrant of fitness and a current Alternative Fuel Inspection Certificate.

Accessory: A part of the car not directly related to its function as a vehicle, including any radio, audio equipment, or other in-vehicle entertainment and communication equipment not forming an integral part of the car, including a phone connected to a power source in the car, and car seat covers, floor mats, or child car seats. Loss: Physical loss or physical damage.

Uneconomic to repair: A total loss because the car is uneconomic or unsafe to repair in the insurer’s opinion, or stolen and not recovered.

Reasonable care: You must always take reasonable care to avoid circumstances that could result in a claim. You won’t be covered if you are reckless or grossly irresponsible.