Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the website, mobile applications, quotation tools and insurance-related services (collectively, the "Services") made available by Ride Protect SA ("Ride Protect", "we", "us" or "our"). By using the Services you agree to be bound by these Terms.

These Terms must be read together with our Privacy Policy, the relevant policy wording, schedule and any disclosure notices we give you. To the extent of any conflict, the specific policy wording will prevail in respect of cover.

2. Legal Framework

These Terms comply with and are subject to South African law, including the Consumer Protection Act, 2008 ("CPA"), the Electronic Communications and Transactions Act, 2002 ("ECTA"), the Financial Advisory and Intermediary Services Act, 2002 ("FAIS"), the Short-Term Insurance Act, 1998 (as amended by the Insurance Act, 2017), the Protection of Personal Information Act, 2013 ("POPIA") and the Policyholder Protection Rules.

3. Eligibility

You may only use the Services and take out a policy if you are at least 18 years old, legally capable of contracting, ordinarily resident in South Africa and the registered owner or authorised user of the vehicle you wish to insure.

4. Quotations

Quotations are based on the information you provide. You must provide complete, accurate and up-to-date information. A quotation is not an offer of cover and is valid for the period stated on it. Cover only commences once we accept your application, you pay the first premium and we issue a policy schedule.

5. Premiums and Payment

Premiums are payable monthly in advance unless otherwise agreed. You authorise us (or our nominated collection agent) to debit your nominated bank account on the agreed date. If a premium is unpaid, we will allow a 15-day grace period (or such longer period required by law). If the premium remains unpaid after the grace period, cover may be suspended or the policy lapsed and any claim during the unpaid period may be rejected.

6. Cooling-Off Period

In accordance with the Policyholder Protection Rules, you may cancel a new policy within 31 days of receiving the policy documents, provided no claim has been made or event insured against has occurred. Any premium paid will be refunded, less the cost of any cover already provided.

7. Duty of Disclosure

You must disclose all material information that may affect our decision to accept the risk, the terms of cover or the premium. Non-disclosure or misrepresentation (whether intentional or negligent) may entitle us to void the policy from inception or reject a claim.

8. Claims

Claims must be reported as soon as reasonably possible and in any event within the period specified in the policy wording. You must:

• Report theft, hijacking, fire or accidents involving injury to the SAPS and obtain a case number.
• Take reasonable steps to prevent further loss or damage.
• Provide all information, documents and assistance we reasonably require.
• Not admit liability, settle or make any offer to a third party without our prior written consent.

9. General Exclusions

The policy will not cover loss, damage or liability arising from:

• Driving without a valid licence or under the influence of alcohol or drugs.
• Use of the vehicle for an unauthorised purpose.
• Wilful, reckless or fraudulent acts.
• War, terrorism, civil commotion, nuclear and radioactive risks.
• Any matter expressly excluded in the policy wording.

10. Cancellation

You may cancel your policy at any time by giving us written notice. We may cancel your policy by giving you at least 31 days' written notice to your last known address or email. Premiums paid in advance for periods after cancellation will be refunded pro rata.

11. Use of the Website and Apps

You agree to use the Services lawfully and not to interfere with their operation, attempt to gain unauthorised access, upload harmful code or use the Services to commit fraud or any other offence. We may suspend or terminate your access if you breach these Terms.

12. Intellectual Property

All content on the Services, including text, graphics, logos, trade marks and software, is owned by or licensed to Ride Protect SA and is protected by South African and international intellectual property laws. You may not copy, modify, distribute or create derivative works without our prior written consent.

13. Limitation of Liability

To the extent permitted by law, we will not be liable for any indirect, consequential or incidental loss arising from your use of the Services, except where such liability cannot be excluded under the CPA or other applicable law. Nothing in these Terms excludes or limits liability for fraud, gross negligence or wilful misconduct.

14. Indemnity

You indemnify Ride Protect SA against any claim, loss, damage or expense arising from your breach of these Terms or your unlawful or unauthorised use of the Services.

15. Electronic Communications

You consent to receive communications from us electronically. Communications sent by email, SMS or in-app notification are deemed to be in writing for the purposes of ECTA. Documents made available on our Services satisfy any legal requirement that information be in writing.

16. Complaints and Dispute Resolution

If you have a complaint, please contact us at complaints@rideprotect.co.za. If your complaint is not resolved to your satisfaction, you may refer it to the Ombudsman for Short-Term Insurance (OSTI) or, where applicable, the FAIS Ombud.

17. Changes to these Terms

We may amend these Terms from time to time. Material changes will be communicated to you in advance. Continued use of the Services after the effective date of any amendment constitutes acceptance of the updated Terms.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of South Africa. You consent to the jurisdiction of the Magistrates' Court having jurisdiction over you, notwithstanding that the amount in dispute may exceed that court's jurisdiction, without prejudice to our right to institute proceedings in any other court of competent jurisdiction.

19. Contact

Ride Protect SA
Email: hello@rideprotect.co.za