2 February 2023

MISS ST MOEKETSI
Client Services 0861 600 120
4 BROEMVOOL AVENUE
ROOIHUISKRAAL Website www.budgetinsurance.co.za
0157

Hi Miss ST Moeketsi,

YOUR POLICY NUMBER 778754485

Welcome and congrats on choosing Budget as your car and home insurer of choice. We’re so pleased to have you on
board with us. As a newbie, we have some important info to share with you – check it out…

IMPORTANT DOCUMENTS
In here, you will find your policy book, your schedule (this gives you the lowdown on everything you need to know
about the cover you took), as well as all the legal stuff. It all sounds confusing, but it really isn’t. We like to keep it real,
so we’re letting you know that you must read your terms and conditions to make sure you totally understand your
cover (watch our short video on what cover means: Cover – in insurance terms ).

MULTI-CAR DISCOUNT
We have some good news for you… We want to help you make your money go further and ensure you have the cover
you need. Let’s face it, no one can afford to go backwards in life. If you have two or more comprehensively insured cars
covered with us, then we will give you a discount on each car.

YOUR NO COST BENEFIT

We’re looking out for you and your people during the twists and turns of life as times are unpredictable. We’ve
partnered with 1Life to bring you this awesome benefit! In the event of a disability or death, we’re giving you 2 months
of cover at no extra cost, from the start date of your Budget policy. Yes, that’s right, as long as you pay your premiums,
you’re covered for either a funeral benefit of R25 000 or an Accidental Disability benefit of R15 000, whichever happens
first. Check it out and read the attached brochure for all the terms and conditions.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
CASH BACK PLUS BONUS
We also get excited at the sound of a Bonus. This offering is your choice – you decide if you want it or not. How it works
– you get a bonus pay out on your premiums paid over a period. But in order to qualify for this, you must have non-stop
cover (this means that you can’t skip a payment on any given month) and no claims in that period.

What will you get?

· 15% of all your premiums paid over the first two years of claims-free, non-stop cover
· 10% of all your premiums paid if you remain claims free for a further two years
· 10% of all your premiums paid for every claims-free year thereafter

SUPER IMPORTANT: YOUR ASSIST BENEFITS

We’re all about giving you more and at Budget, we’re giving you more than just insurance. Depending on the cover
you’ve chosen, you have access to a number of Assist benefits. From Accident Assist, which gets emergency help to
you if you’re in an accident, to Legal Assist, which gives access to legal advice from qualified attorneys – we’ve thought
of it all. You also have the option to add Breakdown Assist to your policy at an additional premium or remove it to
reduce your premium – the choice is yours. Remember to save the Towline number on your cell phone so that you’re
always prepared when you need a tow. The number is 0860 104 211.

Your Tow Assist and Towline discs have been included in this document.

If you’d like to put the Assist and Towline disc on your car, in order to have the towline number handy in case of an
emergency, remember to:
· Print the page with the Towline discs on as a single page and in colour.
· Cut out the discs.
· Place one of these discs on the windscreen of your car.
· Make sure that the print on the face of the disc can be seen on the outside of your car.

You can use any licence disc holder to display your Assist and Towline disc.

Other services included as part of your Assist benefit:

· Medical Assist – Emergency medical assistance when you need it most.
· Trauma Assist – You have access to a large network of trauma and counselling services.
· Home Assist – We’ll cover the call-out fee and first hour’s labour for the services of electricians, plumbers,
locksmiths and glaziers.

All Assist services are available 24/7/365.

Click here to check out our Assist brochure and its terms and conditions.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
KEEP US INFORMED
While we’ve captured all your details over the phone, we need you to check that all your personal and policy info on this
doc is correct and updated. Not giving us your correct info could affect any claim you have with us in future. It’s so easy
to stay up to date. Give us a call to update your info or you can do it yourself online on www.budgetinsurance.co.za.

That’s it from us. If you have any questions, we are ready to take your call on 0861 600 120 or you can check out our
website that is full of information.

PLEASE CLICK ON THE LINKS BELOW TO ACCESS YOUR POLICY DOCUMENTS:

Policy Book
Assist Brochure
1Life Additional Cover
Budget Business Insurance Products Brochure
SASRIA Annexure - Motor
SASRIA Annexure - Fire

Should you not be able to access your policy documents via the above links, please contact us.

Remember, we’re here to help with any questions you have!

The Budget Team

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
Policy No: 778754485 Commencement date: 01/03/2023

Customer services Claims

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Assist Services

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Policyholder detail

Name Miss ST Moeketsi Gender Female

ID Number 8505*******89 E-mail address [email protected]

Cell no 079 364 4359 Residential address 4 Broemvool Avenue

ROOIHUISKRAAL
0157

Members of your household

Name ID no./Date of birth

Mr T Motau 22/07/1973

Important information pertaining to you and the members of your household

Has any insurance company ever cancelled or refused to
No
renew insurance?

Cover included for 2 months at no cost to the life assured (policy holder)
Cover Cover Amount Expiry Date

Accidental Disability Cover R 15,000 1 May 2023

Funeral Cover R 25 000 1 May 2023

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
Summary of Your Cover
Motor Section

Insured Item Value Basic Excess Premium

2013 FORD FOCUS 2.0

Car(s) Trade value R 6,950.00 R 649.30
GDI TREND 5DR

Total Monthly Payment

Total car SASRIA R 2.02

Total monthly payment R 651.32

Banking Details

Account holder Bank Branch Account number

Miss ST Moeketsi Capitec Bank Limited CAPITEC BANK LIMITED 1192*******62

· Please note that this is a monthly policy and must be paid in advance on the agreed date.
· If your premium is not received on your preferred deduction date, an attempt may be made to collect your
premium on a more suitable date in an effort to keep you covered. If payment is not received for three
consecutive months, the policy will be cancelled immediately.
· Your first premium of R 651.32 will be deducted on 1 March 2023.
· Subsequent deductions of R 651.32 will be made on the 25th of every month.
· The payment will be collected by Budget Insurance Company Ltd on the agreed deduction date. The payment
reference will reflect as BUDGET INS on your bank statement. If your deduction date falls on a Sunday or public
holiday, your debit order may be lodged for an earlier date.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
 Important information

· All premiums are inclusive of VAT at the standard rate.

· The South African Special Risk Insurance Association (SASRIA) protects you against riots, strikes,
terrorism, civil commotion and public disorder.
· SASRIA commission does not exceed 14% of the non-motor SASRIA premium and 12% of the car SASRIA
premium.

Cash Back Plus Bonus

If you have not chosen our great Budget Cash Back Bonus benefit yet, you can still do so. Simply add the
Cash Back Bonus to your Budget Insurance policy, 'cos you can't afford not to! It could give you money back
for those daily necessities.

You could qualify to get money back after 2 years of uninterrupted, claims-free cover.

You could receive:

15% of all your premiums paid, over the first two years of claims free, uninterrupted cover;
10% of all your premiums paid, if you remain claims free for a further two years; and
10% of all premiums paid for every claims free year of continued insurance, thereafter.

Please get in touch with us if you are interested.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
Car(s)

Car Description
FORD FOCUS 2.0 GDI
Description Reg. number DW74PLGP
TREND 5DR 2013

Colour BLUE VIN number Not available

Engine number Not available Engine upgraded No

Anti-theft device Own Tracker

Parking & Security

During the day During the night

Address 0 Lanseria Road Address 4 Broemvool Avenue

Entrance 1 Rooihuiskraal
Lanseria Airport 0157
1739

Type of parking Carport Type of parking Garage

Security Measures Manned Access Control Security Measures Electronic Access Control
Electronic Access Control

Regular Driver & Car Use

Name Miss ST Moeketsi Gender Female

Cohabiting with Life

Marital status ID number/date of birth 8505*******89
Partner

Card licence issue date January 2011 Card licence code C1

Car use Private use Employment Category Employed

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
Cover Type: Comprehensive

Insured Value Basic Excess Premium

Own damage / Loss Trade value R 6,950.00 Included

Hail damage Trade value R 6,950.00 R 11.25

Third party liability R 2,500,000.00 R 0.00 Included

Window glass replacement Trade value R 1,400.00 Included

Sound system & equipment* Cover not taken

Car hire - Accident

Cover not taken
Car hire - Theft

Optional Breakdown Assist Included

SASRIA Retail R 2.02

Total monthly premium R 649.30

* Your factory fitted car sound system will be covered automatically. Your basic car excess applies in the event of
such a claim unless the sound system is specified in which instance you will pay a lower excess.

Additional Excesses

THE FOLLOWING ADDITIONAL EXCESSES WILL BE PAYABLE:

If the driver is not the regular driver and his/her spouse R 7,500.00

If the vehicle is in an accident that happens within the first 6 months after the policy
R 4,000.00
start date

If the regular driver is under the age of 25 years R 2,500.00

If the driver only has a learner's licence, or has had a licence for less than 2 years R 2,500.00

If the vehicle is stolen and not recovered / uneconomical to repair if recovered, and
R 5,000.00
there is no tracking device installed

PLEASE NOTE: Should there be more than one additional excess applicable on your claim, a maximum additional
excess amount of R 10 000 will apply.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
 Important information

· You currently have Breakdown Assist on one or more of your cars. Breakdown Assist ensures that your
car will be towed to the closest repairer after a mechanical or electrical breakdown, and so much more.
Click here to read more about our Assist Benefits.
· Trade Value is the average price a dealer will pay for your car.
· The regular driver is the person who drives the insured car most often and more frequently than any
other driver.
· Cover is valid only for social, domestic or recreational purposes and for trips between your residential
address and permanent working address.
· Cover will be limited to third party only, until the inspection of the car has been completed. Please ignore
if done.
· Theft cover and cover against damage due to theft or attempted theft, will be excluded until your
tracking system is checked and approved.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
BUDGET INSURANCE COMPANY LEGAL DISCLOSURES

ABOUT YOUR INSURER/PRODUCT SUPPLIER FOR PERSONAL LINES COVER SELECTED

a) FSP: Budget Insurance Company Ltd
b) Company Registration Number: 2004/025764/06
c) VAT Registration Number: 4920216605
d) Physical Address: Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191
e) Postal Address: PO Box 11250, Johannesburg, 2000
f) Website: www.budgetinsurance.co.za
g) Tel: 011 489 4000
h) The Compliance Officer: PO Box 11250, Johannesburg, 2000
Tel: 0860 999 954
Email: [email protected]
i) The Public Officer Tel: 011 489 4000
j) The compliance officer deals with issues relating to Budget's compliance with the relevant legislation. If you have policy related issues, please call your local
insurance call centre at the number that appears on your schedule.
k) Should you have a complaint regarding Budget;s alleged contravention of, or failure to comply with the relevant legislation, and/or the wilful or negligent rendering
of a financial service that has or may cause prejudice or damage or if you feel you have been treated unfairly, please email the details of your complaint to the
Compliance Officer at the email address at h) above.
l) In the event of a claim, you must call your local insurance call centre at the number that appears on your schedule.
m) Budget is a registered Insurer and an authorised financial services provider, licensed to give advice and render financial services on short term insurance
personal and commercial lines and long term insurance category A and B
n) Consultants, who currently do not meet the minimum experience and/or qualification requirements as set by the FAIS Act, render services under supervision. All
our consultants earn a performance-based remuneration for the financial services rendered on our behalf.
o) Budget has professional indemnity insurance.
p) The type of cover that you selected appears on your schedule.
q) All premiums are inclusive of VAT at the standard rate. In terms of Binding General Ruling 14 this policy document together with proof of payment of insurance
premium constitutes a valid tax invoice, debit note and credit note as contemplated in sections 20(7)(a) and 21(5)(a) of the VAT Act.
r) All excess amounts are inclusive of VAT.

ABOUT YOUR PRODUCT SUPPLIER OF COVER FOR ANY ACCIDENTAL OR INTENTIONAL DAMAGE TO YOUR PROPERTY CAUSED BY ANY PERSON OR
GROUP OF PEOPLE TAKING PART IN A RIOT, STRIKE, ETC.
a) Product Supplier: Sasria SOC Limited
b) Company Registration Number: 1979/000287/06
c) Physical Address: 36 Fricker Road, Illovo
d) Postal Address: PO Box 653367, Benmore, 2010
e) Website: www.sasria.co.za
f) Tel: 011 214 0800 / 086 172 7742
Fax: 011 447 8630 / 086 172 7329
g) The Compliance Officer:
Compliance Email Address: [email protected]
Compliance Tel: 011 214 0800 / 086 172 7742
h) The Compliance Department deals with issues relating to SASRIA's compliance with the relevant legislation.
i) Should you have any complaints relating to SASRIA, please email [email protected].
j) In the event of a SASRIA Claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary.
k) Budget Insurance Company Ltd is an agency company of SASRIA. Budget Insurance Company Ltd does have other product suppliers.
l) Please see your policy book for the type of cover that SASRIA provides.

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
RECORD OF ADVICE
Record of telephonic, online or all other interaction, is kept for our and your protection. These records will be made available on request.

The information provided within this policy schedule is based on the personal and risk information supplied by you and details the product information as selected. A
comparison between your existing insurance cover and benefits, if any, has not been conducted and our proposal does not constitute advice to replace your existing
cover. Please be sure that you compare our policy schedule to your existing policy schedule to ensure we are able to provide you with similar or better cover and benefits
which is suitable to your needs.

COMPLAINTS HANDLING PROCEDURE

Step 1: Contact Complaints Resolution

Should you have any complaints regarding the following:
The administration of your policy - for example, problems with your debit order, incorrect information on your policy schedule or complaints against the consultant
1)
who sold you the policy.
Claims on your policy - for example, a claim lodged is taking too long, has been rejected, you are dissatisfied with the repair process or you are dissatisfied with
2)
the outcome of your claim.
Tel: 0860 10 90 59 Email: [email protected]

Step 2: Contact Compliance Department

Should you believe that the insurer has contravened any regulatory or statutory requirement, in that, the financial service was not rendered honestly, fairly, with due skill,
care and diligence, and in the interests of you the client, please contact the Compliance Department. The Compliance Department handles all legislation related
complaints.
Tel: 0860 99 99 54 Email: [email protected]

Step 3: Contact the Short-term Ombudsman or the FAIS Ombudsman (where applicable)
Should your complaint not be resolved to your satisfaction or if we failed to timeously respond to your complaint, then you may submit your complaint to the FAIS
Ombudsman, or the Ombudsman for Short-term Insurance, whichever is applicable.

The Ombudsman for Short-term Insurance provides consumers with a free dispute resolution mechanism. It mediates between subscribing members such as the insurer
and policyholders regarding insurance contracts. The Ombudsman for Short-term Insurance can be contacted at:
Tel: 011 726 8900 Fax: 011 726 5501
Share Number: 0860 726 890 Email: [email protected]
Postal Address: P.O.Box 32334, Braamfontein, 2017

The FAIS Ombudsman is an independent and impartial dispute resolution tribunal which investigates, considers and disposes of complaints by consumers against
Financial Services Providers. For example, the way a policy was sold or how a service was provided. The FAIS Ombudsman can be contacted at:
Tel: 012 470 9080 Fax: 012 348 3447
Share Number: 0860 FAIS OM (0860 324 766) Email: [email protected]
Website: www.faisombud.co.za
Postal Address: P.O.Box 74571, Lynwoodridge, 0040

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Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed
Processing of Personal Information
In order to provide you with the services we are required to process your personal information and will do so lawfully in accordance with our business requirements and
legal obligations. You acknowledge that the personal information may be verified and / or processed for insurance, financial services and risk management purposes by
the TIH Group of Companies against any other reasonable and legitimate sources or databases to ensure the accuracy and completeness of any personal information
provided on an ongoing basis.

We will process your personal information for the following purposes:

· Quoting, underwriting, pricing, servicing and executing of insurance and other financial services;

· Assessment of financial and insurance risks;

· Assessment and processing of claims and complaints;

· Development and improvement of products and services;

· Credit references and/or verification of personal information;

· Fraud prevention and detection;

· Market research and statistical analysis;

· Audit & record keeping;

· Compliance with legal & regulatory requirements;

· Sharing of information with service providers and other third parties we engage to process such information on our behalf or who render services to us; and

· Sharing of insurance and claims information with other insurers and industry bodies for legitimate reasons such as fraud prevention and claims validation.

We may transfer your personal information outside the borders of South Africa if required to provide any of the services.

You may access your personal information that we hold and may object to the processing of your personal information or request us to correct any errors or to delete this
information if there is no legitimate reason for us to maintain the information. Please view our privacy policy and access to information manual on our website for further
information.

You have the right to complain to the Information Regulator if you feel we are processing personal information unlawfully. The Information Regulator’s details can be found
at: https://www.justice.gov.za/inforeg/

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Quote & Buy Online Benefits Products Manage Your Policy Claims

Budget Insurance Company Ltd is a licensed non-life insurer and financial services provider.

Operating Hours: Monday – Friday: 08h00 – 17h00 | Saturday: 08h00 – 13h00 | Public Holidays: Closed