Essential products

Really caring about you, our highly-valued client, means always looking for ways to improve your life. For real added value, look no further than our range of Essential products. Below, you’ll find a whole host of these products that will suit your needs, like Excess Buster, Depreciation Cover and Roadwise Tyre & Rim, to name but a few.

We offer

Oakhurst-Depreciation-Cover.jpg

Depreciation Cover

Generally, the value of your car decreases each year due to factors such as age as well as wear and tear. If its value is R100 000 at the start of your policy and R55 000 at the time of it being written-off, its value would have depreciated by R45 000. With Depreciation Cover from Oakhurst Insurance, you can submit a claim for the amount it had depreciated by (R45 000) in the event it has been written off or stolen. That means you could still purchase a new car in your original price range of R100 000. Subject to product limits.

 

 

 

Oakhurst-Essential-Motor-Bundle.jpg

Essential Motor Bundle

Our Essential Motor Bundle is designed to give your car all the necessary cover it deserves.
You’ll receive valuable benefits including car warranty cover (for when your car experiences certain mechanical breakdowns), chip and scratch cover as well as tyre and rim cover. You’ll also receive Road Protect benefits which include assisting you with the paying of fines, renewing of licenses, paying for damages to tyres, mags and rims caused by potholes, and managing your Road Accident Fund (RAF) claim.

 

 

 

Oakhurst-Essential-Motor-Bundle-Lite.jpg

Essential Motor Bundle Lite

Essential Motor Bundle Lite offers a few insurance products in one affordable package.
Benefits include car warranty cover (for when your car experiences certain mechanical breakdowns) as well as tyre and rim cover. You’ll also receive Road Protect benefits which assists you with the paying of fines, renewing of licenses, paying for damages to tyres, mags and rims caused by potholes, and managing your Road Accident Fund (RAF) claim.

 

 

 

Oakhurst-Excess-Buster.jpg

Excess Buster

An insurance excess is the amount that you need to pay when you lodge a claim against your insurance policy. Don’t let having to pay an excess stress you out! Our Excess Buster policy contributes towards different types of excess payments, including basic, additional and voluntary. You can claim twice in a 12-month period, including claims for glass, non-standard accessories and even sound systems.

 

 

 

Oakhurst-Lights-Badges-Mirrors.jpg

Lights, Badges & Mirrors

This policy will ensure that your car’s appearance will not be spoilt by accidental loss or damages to its lights, badges and mirrors. It also ensures that you do not have to claim from your comprehensive policy, where you may need to pay an excess.

 

 

 

Oakhurst-Platinum-Cover.jpg

Platinum Cover

If you have a valid claim against your car insurance, Platinum Cover will pay a cash contribution towards car hire or alternative transport, and also give you accidental death and permanent disability benefits, as well as trauma counselling.

These include:

Vehicle rental benefit – receive a contribution towards car rental or alternative transport if your car is stolen, hijacked or damaged in an accident.
Trauma benefit – receive a contribution towards the cost of a professional counsellor if the you were a victim of an act of violence.
Accidental death benefit – receive a contribution in the event of a death as a result of an accident which involved your car.
Accidental permanent disability – receive a contribution in the event of your total and permanent disability as a result of an accident which involved your car.
Read more

 

 

 

Oakhurst-Roadwise-Car-Warranty.jpg

Roadwise Car Warranty

If your car is less than 15 years old or has less than 300 000 kms on the clock (and is no longer under the manufacturer’s warranty), our Roadwise Car Warranty provides cover for its mechanical breakdown and electrical failure.

You can choose between three warranty options – Silver, Gold or Platinum – which will pay for the repair or replacement of parts listed in your schedule.

 

 

 

Oakhurst-Roadwise-Chips-and-Scratches.jpg

Roadwise Chips & Scratches

Keep your car in showroom condition with this great product. When your car has suffered minor damage such as a small scratch, chip or dent, you may want to avoid claiming on your comprehensive car insurance policy because of the excess you’re required to pay. With this policy you can also claim twice in a 12-month period.

 

 

 

Oakhurst-Roadwise-Plus.jpg

Roadwise Plus

A Roadwise Plus policy will ensure that a chip, scratch or dent will not spoil the appearance of your car. Get both the chips and scratches benefit as well as the tyres and rims one, all under the same policy. This ensures that you do not have to claim from your comprehensive policy, where you may need to pay an excess. With this policy you can also claim twice in a 12-month period.

 

 

 

Oakhurst-Roadwise-Taxi-Warranty.jpg

Roadwise Taxi Warranty

If your taxi breaks down, not only will you have to find the money to pay for repairs, but you will also lose income generating business while it’s out of action. Fortunately, you can leave these worries behind you with our affordable warranty designed especially for taxis. If your taxi is less than 15 years old and/or has less than 300 000 kms on the clock, then a Roadwise Taxi Warranty will cover it against mechanical breakdowns. This means we will pay for the repair or replacement of parts listed in your policy schedule, if they break down.

 

 

 

Oakhurst-Roadwise-Tyre-and-Rims.jpg

Roadwise Tyre & Rim

Tired of paying for tyres and rims that have been damaged by potholes? Roadwise Tyre and Rim is an important product for all those who frequently travel on roads that are in a poor condition. You will now have assistance with these costs.

 

 

 

Oakhurst-Scratchzone.jpg

Scratchzone

Scratchzone pays for the repair of minor chips, scratches and dents to your car’s bodywork so that you don’t have to claim from your comprehensive car insurance (you can claim twice in a 12-month period). If you decide to submit a claim against your comprehensive car policy, you may have a basic excess to settle, but in this case, we’ll pay 50% of your basic excess up to the limit on the policy schedule.

 

 

 

Oakhurst-Vehicle-Contents-Cover.png

Vehicle Contents Cover

Are you covered for the loss of possessions stolen from your car? With Vehicle Contents Cover, you will enjoy cover for items such as handbags, briefcases, wallets and clothing. This great product allows you to claim twice in a 12-month period.

 

 

 

vital-support.png

Vital Support

Vital support is an income replacement plan designed to provide non-medical expense cover for you and your family, in the event of hospitalisation. This plan will pay you a daily cash benefit for each day you, your spouse or your children (a maximum of 5 nominated on your policy) spend in hospital.
This policy also includes an accidental death or permanent disability benefit which will pay you, your estate or nominated beneficiary a lump sum amount (this benefit is for the olicyholder only).

 

 

 

vital-household.png

Vital Household Cover

The contents of your home are often at risk of loss or damage, making it vitally important that you are properly insured. This cover protects your valuables against loss or damage caused by a range of perils including fire, storm and theft.

 

 

 

 

FAQ

DOES IT MATTER HOW LONG I'VE HAD MY DRIVER’S LICENCE FOR?

Car insurance premiums can be affected by the length of time you have had your driver’s licence. It is common practice in the insurance industry to rate a new driver as a higher risk. With Oakhurst, of course, you have the chance to prove this wrong by driving well and participating in our Good Driver programme.

HOW DO I CLAIM BACK MY EXCESS FROM A THIRD PARTY IF THE ACCIDENT WAS NOT MY FAULT?

Our dedicated claims and recoveries department will try to assist in recovering your excess from the person who caused the accident. Although we will fight hard to recover your excess, practical considerations may come to the fore and the recovery cannot be guaranteed. It can be a lengthy process if the other person disputes their liability or if we have to trace the person and follow up on missing information.

WHAT ARE THE DIFFERENCES BETWEEN RETAIL, TRADE AND MARKET VALUE?

Retail value is the value for which a dealer would sell a car taking its age, condition and mileage into account.
Trade value is what a dealer would pay you when you trade in your car.
Market value is the average between the retail and trade values.
If your car is covered for its market value and is written off, stolen or hijacked and not recovered, the settlement amount is based on the market value less the applicable excess.

HOW CAN I CHANGE THE DRIVER INFORMATION LISTED ON MY POLICY?

You can change this information by logging in to your profile on our website or by calling your Personal Portfolio Consultant on 0861 001 041. Changes are usually processed within 24 hours.

Client testimonials

A very BIG thank you

“I was more stressed over the [claims] process than about my car being stolen but from the start Rianne was amazing. A very BIG thank you to all involved; I will recommend you to my family and friends.”

Laetitia Murray, Meyerton
Great job Oakhurst

“Every member or call centre agent I spoke to was helpful and willing to take the time to explain the policy offered to me so that I fully understood what was being offered. Great job Oakhurst. Keep it up.”

Kenneth Boswell, Johannesburg
Vriendelike hulp

"Baie dankie Adri, ons waardeer dit baie. Ons het nog net spoedige en vriendelike hulp van jou gekry."

Jacques Bosch, Witbank

*Please note that client testimonials found on this or any other page on this website do not constitute as financial advice.