Insurance for the discerning individual

Motor

Vehicle insurance designed especially for you

Features include:

  • Cover options include comprehensive motor insurance; fire, theft and third party; third party only or laid-up cover
  • Individuals over 55 – even if employed full-time – enjoy the reward of an automatic basic excess waiver (underwriting exceptions exist)
  • Total loss and theft claims are settled at reasonable retail value. Where the vehicle is less than one year old the formula for settlement is replacement cost of a new vehicle of the same or similar model
  • No basic excess is payable by the insured for accident, collision, theft or hijack claims where the vehicle is less than one year old from first registration and is driven by the main driver
  • No basic excess is payable where the claim arises from a theft or hijacking whilst the vehicle was fitted with an approved and functioning tracking device
  • Changes to your vehicle because of physical injury
  • Child seat
  • Fire extinguishing charges
  • Credit shortfall cover at an additional premium
  • Car hire – various options up to 45 days at an additional premium
  • Locks and keys cover automatically included

Besides your vehicle, we also offer cover for your motorcycle, caravan and trailer.

Classic Motor

Vantage has been a leader in the underwriting of classic cars for the past 10 years. We understand and cater for the needs and passion of the classic car enthusiasts at competitive rates.
Features include:

  • Cover is on an agreed value basis
  • Private use only, but will be covered for the occasional wedding or matric farewell functions
  • If your vehicle is damaged beyond repair, you have the first option to purchase the cherished remains
  • Emergency repair cover
  • Cover for the cost of imported parts required for repairs
  • Locks and keys
  • Glass damage
  • Parts away – limited cover for those parts of your vehicle that are sent to specialist repairers for repairs or refurbishment
  • Transport cover

Building

Features include:

  • Accidental damage
  • Alternative accommodation/rent
  • Alterations & Additions
  • Changes to your home because of physical injury
  • Claims preparation costs
  • Electrical & Mechanical breakdown
  • Fire Extinguishing charges
  • Hiring of security guards/watchmen
  • Metered water leakage
  • Pest contamination
  • Power surge
  • Reinstatement of gardens

Contents

Features include:

  • Accidental Damage
  • Alternative accommodation/rent
  • Business equipment & furniture
  • Changes to your home because of physical injury
  • Contents not contained at insured address
  • Electrical & Mechanical breakdown
  • Fatal injury & trauma counselling
  • Fire extinguishing charges
  • Guests & domestic employee’s personal belongings
  • Hiring of security guards/watchmen
  • Hole in One / Full House
  • Personal baggage (Airport to Airport)
  • Pest contamination
  • Power surge
  • Restoring data on computers
  • Swimming pool, borehole & other motors (if building not insured with us or anywhere else)
  • No basic excess when you are over 55 years of age

All Risks

Comprehensive all risks cover for items normally worn or carried with you away from the insured address.
This cover is worldwide.

No limit per item up to the sum insured you have selected. If you choose to specify items, no excess will apply.

Personal Liability

Personal legal liability provides insurance cover if you are legally responsible for the accidental death, illness or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss or damage to someone else's property or belongings.

This also extends to you as an owner or tenant of the buildings insured and covers legal liability to your domestic employees. Cover is automatically included when you insure your building or house contents.

Personal Accident

Features include:

  • Death benefit
  • Funeral benefit
  • Medical expenses
  • Permanent disablement
  • Rehabilitation costs
  • Temporary disablement
  • Trauma counselling

Watercraft

We cover you for accidental loss of or damage to the watercraft which is used for social, pleasure and domestic purpose only.
Features include:

  • Sails, protective covers, outboard and inboard motors
  • Inspection of the hull after an insured incident
  • Medical expenses
  • Repatriation costs
  • Salvage costs
  • Transport cover