Enjoy up to R5 million in third-party protection
At OUTsurance, third-party liability insurance has been included in our limited as well as our comprehensive car insurance packages.
You can also choose to take out third-party cover as standalone cover. You’ll enjoy up to R5 million in third-party liability cover for the vehicle that’s insured by us. Even if you’re driving a friend’s vehicle and you are held legally liable for causing an accident, you’ll enjoy motor liability insurance.
Frequently asked questions about third-party motor liability insurance
What does motor liability insurance cover?
- Covers accidental damage to someone else’s property if you cause an accident.
- Included in comprehensive and limited car insurance, or as stand-alone cover.
- Stand-alone liability cover does not cover your own vehicle.
What is the excess on motor liability insurance?
There is no excess payable on motor liability insurance.
What should I do if I caused an accident?
Where possible, please take steps to prevent or minimise any further loss. Make sure to report the incident to us as soon as possible. Remember that all incidents that might lead to a claim in future should be reported to us within 30 days – even if you don’t want to submit a claim at the time of an incident.
If the other party contacts you regarding a third party claim, you’d only need to give us a call on 08 600 70 000 and we’ll take care of everything. Please forward any correspondence to us so that we can take care of this on your behalf.
Give me examples of third party liability exclusions
Contracts or agreements
OUTsurance will not cover liability arising from a contract or agreement, unless you would have had the same liability had you not entered into the contract or agreement.
Hazardous materials and pollution
We will not cover any legal liability, loss or damage directly or indirectly caused by the hazardous nature of asbestos in whatever form or quantity, toxic mould and their mycotoxins, the inhalation of crystalline sillica dust, lead-related diseases, or pollution, contamination of seepage.
Nuclear
Legal liability, loss or damage directly or indirectly cuased by ionising radiation or contamination of radio-activity from any nuclear fuel or any nuclear waste from the combusion or use of nuclear fuel; nuclear material, nuclear fusion, or nuclear radiation; nuclear explosions or any nuclear weapon; or nuclear waste in whatever form.
Cover given by legislation or other insurance companies
Liability which is covered by any compulsory motor vehicle insurance act; the Occupational Health and Safety Act; the Compensation for Occupational Injury and Diseases Act; any other insurance or OUTsurance contract.
Communicable disease
Your OUTsurance insurance policy does not cover any loss, damage or liability directly or indirectly caused by, as a result of, or contributed by a communicable disease, or any actions or measures taken or implemented by anyone in response thereto, including but not limited to, any governmental body.
Please refer to your policy wording for more information.
What Types of policies that include liability cover?
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Comprehensive insurance: Includes liability cover for third-party damage and injury, as well as coverage for your own vehicle against theft, fire, and accidental damage.
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Third-Party, Fire and Theft insurance: Includes liability cover for third-party damage and injury, plus coverage for your own vehicle if it is stolen or damaged by fire.
Will I lose my OUTbonus if I submit a motor liability claim?
Yes. Your OUTbonus will be forfeited following the payment of any claim submitted for any incident, including any liability claim settled. Your new OUTbonus cycle will start immediately after the incident date.
Does liability insurance take care of the damages to my own vehicle as well?
Please note that if you’ve selected liability coverage as a standalone cover, we will not be able to cover your (the insured’s) own property. If you need to claim for damage to your property, you will require either comprehensive or limited cover. Your comprehensive car insurance policy includes damage to your own car that was caused by an act of nature, fire, theft, accidental damage or intentional damage.
Third-party insurance makes provision for property damage or injury to a third party for which you can be held legally responsible.