Emergency benefits underwritten by Oakhurst Insurance Company Limited (Registration number 2006/000723/06) an authorised financial services provider (FSP39925)

MEMBERSHIP BOOKLETMEMBERSHIP BOOKLET

Welcome to Gold Club, your exclusive membership package offering you:

• 24/7 roadside, medical, household and legal emergency benefits • Fines monitoring and license renewal services • Pothole damages and road accident (injury/death) recovery services • Lifestyle benefits and discounts

Life is full of unexpected events that can lead to unwanted stress and financial burden. Your Gold Club membership will go

some of the way towards alleviating this by offering these fantastic benefits as part of your insurance package.

This personalised service and range of benefits is our way of thanking you for choosing to partner with us.

Take your time and enjoy browsing through our amazing benefits.

If you have any queries, feel free to contact our call centre on:

0861 001 041 and follow voice prompts for relevant assistance

In the event of an emergency, please contact us on:

0861 001 041 and follow voice prompts for relevant assistance

WelcomeWelcome

A Summary of Your Gold Club Benefits 2

Emergency Benefits 4

Roadside Emergency Benefits 6

Medical Emergency Benefits 9

Household Emergency Benefits 11

Legal Benefits 13

Road Protect Benefits 14

Fines Protect 16

License Protect 18

Pothole Protect 20

Accident Protect 22

Lifestyle Benefits & Discounts 24

Tiger Wheel & Tyre 24

Tyres & More 25

Discounted Car Hire Booking Service 26

Feedback 27

IndexIndex

A summary of yourGold Club benefitsA summary of yourGold Club benefitsOur member benefit rules apply to all of these benefits.

ROADSIDE EMERGENCY BENEFITS INSURED VEHICLE ONLY - NO ANNUAL LIMITS Towing (Insured Event) 1 tow per insured event (to the closest approved panel beater)

• Transport to a Place of Safety Sedan transfer within 100 km of the incident

Breakdown Assistance & Towing 1 tow per event (to the closest approved workshop/dealer)

• Transport to Place of Safety Sedan transfer within 100 km of the incident

• Car Hire Assistance or Hotel Accommodation Up to R500 per service

• Return of Vehicle Up to R500 per service

Hijacking Assistance Transport to a place of safety within 100 km of the incident

Locksmith Assistance Call out fee plus 1 hour’s labour

Flat Battery Assistance Call out fee plus 1 hour’s labour

Flat Tyre Assistance Call out fee plus 1 hour’s labour

Fuel Assistance Call out fee plus 1 hour’s labour (first 5 litres covered)

Transmission of Urgent Message(s) Relay of message(s) in an emergency

MEDICAL EMERGENCY BENEFITS FOR INCIDENTS RELATED TO THE INSURED VEHICLE AND HOME (WHERE YOUR HOUSEHOLD CONTENTS ARE INSURED) ONLYMedical Response Emergency Medical Services personnel dispatched to the scene of a medical emergency

Medical Transportation Road/air transportation service. Flights are covered up to R50 000 and limited to one

flight per year

Medical Advice Telephonic service 24 hours a day, 7 days a week, which includes crisis hotlines and various counselling

services

Transmission of Urgent Message(s) Relay of message(s) in an emergency

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A summary of yourGold Club benefitsA summary of yourGold Club benefits

Terms and conditions apply If we do not receive your membership fee by the due date, a 15 day grace period will apply.If you call us for any emergency assistance during your 15 day grace period, the service provider will offer you assistance on a cash basis. Once your membership fee is paid, you will be refunded for the full amount of the service invoice.

HOUSEHOLD EMERGENCY BENEFITS HOME (WHERE YOUR HOUSEHOLD CONTENTS ARE INSURED) ONLY - NO ANNUAL LIMITS Plumber Assistance Call out fee plus 1 hour’s labourElectrician Assistance Call out fee plus 1 hour’s labourAppliance Assistance Call out fee plus 1 hour’s labourGlazier Assistance Call out fee plus 1 hour’s labourLocksmith Assistance Call out fee plus 1 hour’s labourAdditional Referral Services All costs for your account

LEGAL BENEFITS FOR MATTERS RELATED TO THE INSURED VEHICLE AND HOME (WHERE YOUR HOUSEHOLD CONTENTS ARE INSURED) ONLY - NO ANNUAL LIMITSLegal Advice, Legal Referral and Legal Telephonic advice 24 hours a day, 7 days a weekDocumentation 2 x 30 Minute Consultations Face to face consultations with a qualified attorney

ROAD PROTECT BENEFITS FOR INCIDENTS RELATED TO INSURED VEHICLE ONLYFines Protect Road fine notification and reduction service License Protect Vehicle registration and driver’s license renewal servicePothole Protect Recovery service for pothole damages to your tyres, mags and rims Accident Protect Road Accident Fund (RAF) claims management system that manages your claim from start to finish

LIFESTYLE BENEFITS & DISCOUNTSTiger Wheel & Tyre Preferential rates on all products and services with a further 5% off your total invoice (before tax)Tyres & More Preferential rates on all products, a 20% discount on all services with an additional 5% off your total invoice (before tax)Discounted Car Hire Booking Service Discounted rates from Avis, Budget, Europcar, Hertz, Tempest and Thrifty

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We have a team of professional service providers standing by to assist you 24 hours a day, 7 days a week for incidents occurring

within the borders of South Africa. From comprehensive roadside and household assistance to medical and legal advice,

we have got you covered.

Roadside Emergency BenefitsWe will provide emergency assistance should your insured vehicle break down.

Medical Emergency Benefits We are on call 24/7 to assist you with any medical emergency.

Household Emergency BenefitsWe give you access to our friendly service providers in the event of a household emergency within your home.

Legal BenefitsWe have a panel of qualified attorneys to provide you with legal advice and support on South African legal issues.

Full details of these benefits are contained within this booklet.

Emergency BenefitsEmergency Benefits

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Emergency Benefits (cont.)Emergency Benefits (cont.)

How it works:

Should you require any of the above mentioned services at any time, day or night, please contact our call centre on:

0861 001 041 and follow voice prompts for relevant assistance

You will need your ID number or policy number.

Once your membership has been verified, the full details of your emergency will be taken and the relevant service will

be provided.

Terms and conditions:

Your policy must be fully paid up at the time of the incident.

When requiring emergency assistance, please follow the correct process and call the Oakhurst number 0861 001 041.

There will unfortunately be no reimbursements for costs incurred if you have not followed the correct process.

Please note that in order for you to qualify for the benefits in this brochure relating to:

• insured vehicles, you need to have an active comprehensive vehicle policy with us; and

• homes, you need to have an active household contents policy with us.

Terms and conditions specific to each benefit are contained within this booklet.

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Roadside Emergency BenefitsRoadside Emergency BenefitsShould these benefits be included in your vehicle insurance policy schedule, you qualify for the benefits provided for under this section.

We have a team of qualified call centre professionals standing by to assist you at home, or on the road, 24 hours a day, 7 days a week.

Towing Services

Where your insured vehicle is not drivable due to the happening of an event which is covered by your insurance policy (an “insured event”), you can contact our emergency line for assistance.

Should an insured event or breakdown occur outside the borders of South Africa, Lesotho or Swaziland but within Botswana, Mozambique or Namibia, you will be responsible for all costs to get your insured vehicle over the border and into South Africa. Once the vehicle is inside the South African border, we will assist you as described below under the relevant benefit.

• Insured event towing We will arrange the towing of your vehicle to the nearest approved panel beater. This service is limited to 1 tow per insured event. We will send a vehicle to drive you, 3 passengers and your luggage, to a place of safety or home, as determined by you. Your destination must be within a maximum of 100 km from the incident. If there are more passengers, we can arrange a more suitable vehicle, but the additional cost will be for your own account. Transport will be provided on a best effort service time basis.

If your vehicle has been stolen and then recovered, we will provide assistance in towing your vehicle once it has been released to you by the authorities.

• 2nd Tow Should you not have contacted our emergency line for assistance after an insured event, and a towing operator has moved your insured vehicle to the incorrect panel beater, we will cover the 2nd tow to move your vehicle to one of our closest approved panel beaters. Release fees and costs associated with the 1st tow will only be covered up to a maximum of R1 000 for towing and R500 for storage provided that you have a valid claim under your vehicle insurance policy. Any further costs will be for your own account. It is therefore advisable that you familiarise yourself with the procedures and emergency number.

• Breakdown assistance & towing We will arrange for the towing of your vehicle to the nearest approved dealer or workshop or, at your request, to your residence, whichever is closer. This service is limited to 1 tow per incident. Any costs for repairs which is payable to the dealership or workshop will be for your own account.

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Roadside Emergency Benefits (cont.)Roadside Emergency Benefits (cont.) In the event that your insured vehicle is under a dealer’s warranty, we will arrange for your vehicle to be towed by the dealer or by one of our service providers, to the nearest manufacturer approved workshop or motor dealer. If the manufacturer later deems that the fault is not covered under the warranty and subsequently charges you for the tow, we will refund the full amount of the towing invoice.

• Additional breakdown services We will send a vehicle to drive you, 3 passengers and your luggage, to a place of safety or home, as determined by you. Your destination must be within a maximum of 100 km from the incident. If there are more passengers, we can arrange a more suitable vehicle, but the additional cost will be for your own account. Transport will be provided on a best effort service time basis.

Where a breakdown occurs more than 100 km from your destination or home, whichever is the end destination, we will arrange the following additional services for you:

• Car hire assistance (Group A or B) for 24 hours only. A maximum limit of up to R500 will be paid towards the invoice for rental charges, delivery and collection of the hire vehicle, and the first tank of fuel. You will be required to provide a credit card. The service includes the costs of the daily car rental, unlimited kilometre allowance, insurance fees and the delivery or collection charges of the vehicle to a maximum of 25 km respectively. The cost of fuel will be for your account. OR • Hotel accommodation for 1 night only This benefit excludes the cost of any meals, drinks or additional costs associated with the overnight stay. A maximum limit of up to R500 will be refunded towards the invoice. AND • Return of your vehicle A maximum limit of up to R500 will be paid towards 24 hour Group A or B car rental, a bus ticket or a flight ticket to enable you to collect your vehicle from the approved dealer to which it was towed. Alternatively, a maximum limit of R500 will be paid towards the invoice of returning your vehicle to your home or a place of your choosing, whichever is closer. We reserve the right to elect the most appropriate method from the above.

• Towing caravans and trailers If we arrange for the towing of your insured vehicle due to an insured event or breakdown while you have a caravan or trailer attached, your caravan or trailer will be towed along with your vehicle to the same end destination.

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Roadside Emergency Benefits (cont.)Roadside Emergency Benefits (cont.)Hijacking AssistanceWe understand that a hijacking of your insured vehicle can be a stressful situation, so we will be here in your time of need by sending a vehicle to drive you, 3 passengers and your luggage, to a place of safety or home, as determined by you. Your destination must be within a maximum of 100 km from the incident. If there are more passengers, we can arrange a more suitable vehicle and the additional cost will be for your own account. Transport will be provided on a best effort service time basis.

Additional Roadside Emergency BenefitsThe following benefits cover the call out fee plus 1 hour’s labour to resolve the emergency. Any cost of repairs, replacements or further labour will be for your own account. If towing is required, the tow will be deemed a breakdown tow and the terms and conditions of breakdown towing and additional services will apply.

• Locksmith assistance - In the event that your keys are locked inside your insured vehicle or a key is broken in the ignition or lock, we will send out a locksmith to resolve the issue, failing which we will tow your vehicle. Where your keys are lost or stolen, we will tow your insured vehicle to the nearest approved dealer. The cover excludes the replacement of the key, immobiliser or key transponder, as well as assistance with faulty, damaged or stuck gear locks. • Flat battery assistance - In the event of a flat battery in your insured vehicle, we will send out a service provider to assist in jumpstarting your battery, failing which we will tow your insured vehicle to the nearest approved dealer or workshop. This benefit excludes battery replacement or any of its parts. • Flat tyre assistance - In the event of a flat tyre on your insured vehicle, we will send out a service provider to assist you in changing the tyre. If a spare tyre is unavailable or more than 1 tyre is damaged or flat, we will tow your insured vehicle to the nearest approved dealer or workshop. This benefit excludes tyre or wheel replacement or any of their parts. • Fuel assistance - In the event of your insured vehicle running out of fuel, we will send out a service provider to bring you fuel (the first 5 litres will be covered, the rest will be for your own account). Arrangements must be made between the service provider and you regarding payment for the fuel, preferably cash on assistance.

Transmission of Urgent Message(s)In the event of a roadside emergency, we can assist by letting your loved ones know what has happened. Urgent messages will be sent by SMS or telephonically to anyone nominated by you. We will use our best efforts to ensure your messages are delivered.

Toll feesToll fees are not included in Roadside Emergency Benefits and are for your own account.

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Medical Emergency BenefitsMedical Emergency BenefitsAs determined by the terms and conditions of your insurance policy and if these benefits are included in your vehicle or household contents insurance policy schedule, you qualify for the benefits provided for under this section.

In the event of a medical emergency, we will assist you with a team of qualified call centre professionals 24 hours a day, 7 days a week. Medical assistance is limited to incidents occurring within the borders of South Africa. Cover applies to the driver and 3 passengers.

Medical Response and Transportation

• Medical response In the event of a medical emergency, we will arrange for immediate medical response to the scene of an incident by a private or provincial service provider, depending on availability.

• Medical transportation In the event of such an incident, we will provide emergency medical transportation from the scene of the incident to the closest, most appropriate facility for further medical care. This appropriate facility is determined by the highest qualified paramedic at the scene of the medical emergency.

Should the treating Advanced Life Support Paramedic at the scene of the incident advise that you must be transported by air, we will provide you with 1 emergency flight per year. Airlifts are limited to R50 000 per year.

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Medical Emergency Benefits (cont.)Medical Emergency Benefits (cont.)Telephonic Medical Advice

• Crisis Line In addition to the above benefits, medical operators will guide you through a medical emergency situation involving the insured. You will receive advice or have the necessary support organised, by utilising our 24-hour Contact Centre Doctor.

This service provides access to the following: • Poison hotline • Suicide hotline • Rape and HIV counselling • Family and domestic abuse advice • Child abuse advice • Bereavement counselling • 24 Hour telephonic referral We can provide you with a list of medical practitioners, medical facilities and counsellors in your area. All costs arising from their services will be for your own account.

Transmission of Urgent Message(s)In the event of a medical emergency, we can assist by letting your loved ones know what has happened. Urgent messages will be sent by SMS or telephonically to anyone nominated by you. We will use our best efforts to ensure your messages are delivered.

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Household Emergency Benefits Household Emergency Benefits As determined by the terms and conditions of your insurance policy and if these benefits are included in your vehicle or household contents insurance policy schedule, you qualify for the benefits provided for under this section.

These benefits are limited to the inside of your home (defined in your household contents policy) only and excludes buildings or outbuildings on the grounds of your property. The cover under this benefit includes the call out fee plus 1 hour’s labour for the initial emergency only.

Any cost for the replacement of parts and further labour will be for your own account. These benefits are limited to homes within the borders of South Africa.

• Plumber assistance

In the event of a plumbing emergency at your home, we will send out a plumber to assist you. A plumbing emergency is defined as an interruption to the flow of water to your home, or parts thereof, caused by unforeseen internal household faults, or burst pipes, geysers or other appliances where the flow of water cannot be stopped without the assistance of a plumber. Leaking taps are not included.

• Electrician assistance

In the event of an electrical emergency within your home, we will send out an electrician to assist you. An electrical emergency is defined as an interruption to the electricity supply to your home, or parts thereof, caused by unforeseen household electrical faults.

• Appliance assistance

In the event of a faulty household appliance, we will send out a service provider to assist you. This is limited to geysers, washing machines, stoves, fridges, freezers, microwaves, tumble dryers, and dishwashers. Please note that the appliance may have to be removed from your home for the repairs.

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Household Emergency Benefits (cont.) Household Emergency Benefits (cont.) • Glazier assistance

In the event of damage to the glass of the external windows of your home, we will send out a glazier to assist you. Glass tables or internal glass doors or windows are excluded. The cost of any repairs and replacement of windows will be for your own account.

• Locksmith assistance

When you have locked your keys inside your home, broken your key in a lock of an external door that permits access to your home or you have locked yourself inside your home, we will send out a locksmith to assist you. The cost of any replacement of locks or keys for whatever reason will be for your own account. Lost and stolen keys are excluded.

• Referral services

Where any of the following services are required, we can provide you with a list of service providers in your area, with all costs arising from engaging their services being for your own account:

• Builders • Painters • Pool repairers • Carpet specialists • Gate motors • Security systems

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Legal Emergency Benefits Legal Emergency Benefits As determined by the terms and conditions of your insurance policy and if these benefits are included in your vehicle or household contents insurance policy schedule, you qualify for the benefits provided for under this section.

We have a panel of qualified attorneys available to you 24 hours a day, 7 days a week, to provide you with legal advice and support on South African legal issues. This benefit is limited to personal legal matters and excludes business related issues. All legal fees, over and above the benefits provided below, will be for your own account.

• Telephonic legal advice and referral

In the event that you need legal advice, you may log a call with us and we will arrange for one of our qualified attorneys to call you back.

• Face to face consultations

Where you have been referred to an attorney on our panel, you will benefit from two 30 minute face to face consultations per related incident. Any further consultations and all related costs will be for your own account.

• Legal documentation

Should you require assistance with legal documentation, a telephonic guidance service is provided by our panel of qualified attorneys. Advice can be given on the circumstances under which documentation may be required and the structure and content of the documentation. Templates can also be provided via fax or email.

We will arrange for assistance with documents such as purchase or sale agreements, lease agreements, power-of-attorneys, wills, domestic employment agreements and ante-nuptial agreements (excluding the actual registration and notarisation of the ante-nuptial agreement). You will also be advised on the application of each of these documents and the procedures or principles that may apply.

Where you require a letter of demand, a lawyer or consultant will write this letter on your behalf. This benefit is limited to one letter per event.

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Road Protect BenefitsRoad Protect Benefits

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Should these benefits be included in your vehicle insurance policy schedule or combined vehicle and household contents insurance policy schedule with us, you qualify for the benefits provided for under this section.

We have teamed up with Road Protect (Pty) Ltd, to offer you Fines Protect, License Protect, Pothole Protect and Accident Protect as part of your Gold Club benefits package.

For assistance from Road Protect, simply call 0861 001 008 during office hours (8am to 5pm during weekdays and 8:30am to 1pm Saturdays).

Once your Gold Club membership has been verified, you will be given a case number and referred to a Road Protect Agent for assistance and assessment.

Road Protect Benefits (cont.)Road Protect Benefits (cont.)

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Fines Protect will work with you to notify you of all fines and then provide a quick, easy and painless channel to get these fines paid, with the added benefit of negotiating fine reductions on your behalf.

License Protect will notify you of any impending vehicle registration or driver’s license renewals and provide a timely, easy and painless channel to get these licenses renewed and delivered to you.

Pothole Protect assists you in recovering up to 100% of the money that you have paid out as a result of pothole damages to your tyres, mags and rims.

Accident Protect provides victims of motor vehicle accidents in South Africa with immediate access to an effective RoadAccident Fund (RAF) claims management system that manages your claim from start to finish.

*To take advantage of Fines Protect and License Protect, we need further information from you. Please see the relevant product page for more details.

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This benefit is for the member only, and is limited to fines related to or imposed while driving the insured vehicle.

To take advantage of this benefit, please send a scanned copy of your ID to contactus@roadprotect.co.za or fax it to 086 500 2217 so that Fines Protect can register you on their fines monitoring systems.

The problem:

Most road users have had a traffic fine for a minor road indiscretion at some stage or another, yet often these are not paid up which can lead to increased penalties or even legal action. The problem is that we are not always aware that we have been given a fine and when we do receive one, we are not always sure that these fines have been issued legitimately. It is also often an expensive and timely exercise to check, verify and pursue any action to get fines removed or reduced and paid.

What we offer:

Fines Protect’s service includes:

• a quick and efficient traffic fines monitoring and notification system with 100% of fine discounts/recoveries passed back to you• full legal assistance to assess the legitimacy and legality of fines• negotiating fine reductions on your behalf• an easy, quick, safe and secure fines payment facility• proof of fines settlement

What this means to you:

• Relief - Fines Protect takes away the stress of dealing with Traffic Departments and provides peace of mind that you only pay for those fines that are legitimate. Once you have paid those fines, they provide a proof of fines settlement so there will be no nasty surprises at future roadblocks.

• Recoveries - You receive 100% of all discounts negotiated as well as all negotiated, recoveries on any previously paid fines (where applicable).

• Representation - Their expert team provides full legal and administrative support and representation on all traffic fine related matters.

Fines ProtectFines Protect

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Using a copy of your ID, Fines Protect checks the traffic fines database against any outstanding fines in your name, such as fines for speeding, late licence renewals and parking fines. They will then contact you if they identify any such fines.If you have any handwritten fines, you can scan and email them to Fines Protect along with a copy of your ID to contactus@roadprotect.co.za or fax it to 086 500 2217.Fines Protect will collect supporting documents such as a statement of the incident, a copy of the fine as well as a copy of your driver’s license.Fines Protect will present the merits of the fine, including any arguments against the fine, to the relevant traffic department and will pass back any recovery or discount to you.They will also provide you with an invoice for fines payments. Once you have paid the invoice in full, they will provide proof that the fines have been settled and cleared.

Fines Protect (cont.)Fines Protect (cont.)

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How it works:

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•

Terms and conditions:

The Fines Protect service is limited to you, the main member, and to fines related to or imposed while driving the insured vehicle. Your policy must be fully paid up at the time of the fine being issued.

The Fines Protect service is limited to traffic fines issued within the Republic of South Africa.

Fines are said to be ‘issued’ once they are posted onto www.paycity.co.za or www.viewfines.co.za and therefore Fines Protect can only check and notify clients of fines that are posted onto these websites. Other fines that are not posted onto these websites can be dealt with by Fines Protect, but Fines Protect must be notified of these by you before service can commence.

At the time of the fine, you must comply with all the legal and regulatory requirements of the laws governing the roads of South Africa and other such relevant legislation.

Fines Protect does not guarantee the performance of the Traffic Department nor the reductions of fines.

This service does not include AARTO de-merit points reductions.

As Fines Protect provides a fine notification, discount and easy payment service and has no enforcement rights, neither we nor Fines Protect enforce fines on behalf of the Road Authorities.

License ProtectLicense Protect

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This benefit is for the member and their insured vehicles only.

To use this benefit, please send a scanned copy of any document that reflects your vehicle registration number (photo of license disk, vehicle registration document or license renewal notice) and driver’s license to contactus@roadprotect.co.za or fax it to 086 500 2217 so that License Protect can register you on their system.

The problem:

It’s a necessity for all road users to renew their vehicle registration license once a year and their driver’s license once every five years. These renewal processes are extremely frustrating and time consuming due to complex forms and long queues at the post office or licensing departments.

What we offer:

License Protect’s service includes:

• a timely and efficient license monitoring and notification system• assistance with lost or stolen licenses • the convenience of not having to complete long and complicated forms• an easy payment facility• delivery of renewed licenses

What this means to you:

• Relief - License Protect will deal with the Licensing Department or Post Office on your behalf, which means no more queues or admin nightmares. You also have the complete convenience of having your renewed license delivered to your door.

• Recoveries - You will never again have to worry about paying penalty fees for late license renewals.

• Representation - Their expert team will provide full administrative support for all license renewal related matters.

By using a copy of your driver’s license card, License Protect will load your license information onto their system and proactively notify you a month prior to your renewal date.License Protect will assist by sending you the license renewal forms to complete, notifying you of any supporting documents you need to take to the License Department as well as the total cost involved. License Protect will also guide you to your closest License Department, informing you of the best time to arrive so that you potentially avoid the queues.

By using your vehicle registration number, License Protect will load your license information onto their system and proactively notify you of any impending renewals a month prior to the renewal date.License Protect will then send you an invoice for the face value of the license renewal fee. Once you have paid the full amount on the invoice to Road Protect, License Protect will start the renewal process on your behalf, including payment for the renewal.Once your license is processed, License Protect will contact you and arrangements will be made for the renewed license to be delivered to you.

License Protect (cont.)License Protect (cont.)

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How it works:

Vehicle License renewals:

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Driver’s License renewals:

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Terms and conditions:

License Protect is limited to the main member and the insured vehicles on this policy. Your policy must be fully paid up at the time of the license renewals. License Protect service is limited to license renewals within the Republic of South Africa.

At the time of the license renewal, you must have complied with all the legal and regulatory requirements of the National Road Traffic Act No. 93 of 1996 and other relevant legislation.

Due to the personal nature of the information, License Protect cannot assist in making changes to member’s details on the electronic National administration Traffic Information System (eNaTIS). License Protect does not guarantee the performance of the relevant license department.

License Protect cannot assist members where licenses are blocked for any reason.

Pothole Protect Pothole Protect

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This benefit relates to incidents which happen to the insured vehicle.

The problem:

Our roads take a pounding every day from heavy traffic, weather and road works which can cause wear and tear to the road and eventually form unevenness and potholes. The problem is that these potholes often take a long time to be repaired because the authorities managing the roads are stretched in terms of resources and funding. Unfortunately because of this, our vehicles and tyres are at risk of being damaged or destroyed.

What we offer:

Pothole Protect’s service includes:

• complete and free case management of the claims process to obtain maximum possible compensation for tyres, wheel rims and mags damaged as a result of potholes (or road works) in the Republic of South Africa• 100% of the payout received from the Road Authorities paid straight back to you• free assistance with quotes for replacement tyres and access to preferential rates through Pothole Protect tyre retail partners• proactive follow-ups to make sure potholes are repaired to prevent future incidents

What this means to you:

• Relief - Pothole Protect deals with the Road Authorities on your behalf from beginning to end, and you will ideally receive your payout much faster compared to submitting the claim yourself.

• Recoveries - You receive 100% of the payout from the Road Authorities.

• Representation - Their expert team provide full legal and administrative support and representation, ensuring that they have assessed the merits of your case before recommending a claim, and that they have everything they need to submit the claim on your behalf.

Pothole Protect (cont.)Pothole Protect (cont.)

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Terms and conditions:

Your policy must be fully paid up at the time of the incident.

This service is limited to irreparable tyre damage and repairable/irreparable damage to mags and wheel rims on the insured vehicle as a result of a pothole or road works on a road within the borders of the Republic of South Africa.

No service will be provided: • if you have already claimed or are in the process of claiming for the damage from us; • if the incident is not reported to Pothole Protect within 5 working days of the incident; or • if the Pothole Protect assessor advises that you should not proceed with your claim based on the merits of your case. If you do not agree, or there is material conflict between your assessment and that of the assessor, the case will then be referred to the Pothole Protect Advisory Panel. The decision of the Pothole Protect Advisory Panel will be final and binding on all the parties. The Pothole Protect Advisory Panel will consist of an admitted attorney as well as a tyre expert from a leading tyre retailer. Pothole Protect will not be responsible for any costs incurred in referring your case to the Panel. You are at all times free to get outside 2nd opinions as well as external legal advice and representations, but the costs of these will not be borne by us or Pothole Protect, unless they have agreed to these in writing.

At the time of the incident, you must have complied with all the legal and regulatory requirements of the laws governing the roads of South Africa and other such relevant legislation.

As the Road Authorities are independent third parties, neither we nor Pothole Protect can guarantee performance by the Road Authorities.

Accident ProtectAccident Protect

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This benefit is for the driver and up to 4 passengers and relates to road accidents which occur whilst driving in the insured vehicle.

The problem:South Africa has one of the highest road accident counts in the world, with statistics showing that someone will die in an accident every 13 minutes. The impact of these deaths or injuries can have a catastrophic effect in terms of physical, emotional and financial loss for both the victim and the victim’s family. Thankfully, we do have support in the form of the Road Accident Fund (RAF) which provides compulsory 3rd party accident cover for all users of South African roads against such road accident deaths or injuries. However, the RAF claims process can be extremely costly, time consuming and complicated which makes getting compensation very difficult.

What we offer:Accident Protect’s service includes:

• an effective RAF claims management service with 100% of the payout being passed straight back to you• full legal and medical assistance to assess the merits of your case • full administrative support and documentation preparation for your claim submission • an assessment of the medical expenses incurred as a direct result of your injury• further legal and medical support to ensure you have all the necessary consultations and reports needed to support your claim• representation when dealing with the RAF

What this means to you:• Relief - Accident Protect guides and supports you throughout the entire process so that you do not have to queue or deal with the RAF yourselves. They ensure that you have everything you need to submit a fair and balanced claim. You will ideally receive your payout from the RAF in half the time compared to you submitting the claim yourself.

• Recoveries - You receive 100% of all payouts from the RAF.

• Representation - Their expert team will provide full medical, legal and administrative support from beginning to end. Who can claim and what you can claim for is dependent on the rules of the RAF. Accident Protect will advise you on the merits of your claim and whether you should proceed. They will also tell you what you will need for your RAF claim and cover the cost of any extra legal consultations, reports, medico-legal opinions, medico-legal reports, and actuarial opinions for loss of earnings resulting from your injuries, which may be required to support your claim.

Accident Protect (cont.)Accident Protect (cont.)

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Terms and conditions:

Your policy must be fully paid up at the time of the accident.

The Accident Protect service is only available for accidents that occur within the Republic of South Africa.

Accident Protect limits their service where their legal practitioner advises that you should not proceed with your claim based on the merits of your case and taking into account the rules of the RAF. If this is in conflict with your view or there is a material conflict between your assessment and their legal practitioner’s assessment, the case will be referred to the Accident Protect Advisory Panel for review. The decision of the Accident Protect Advisory Panel will be final and binding on all the parties. The Accident Protect Advisory Panel will consist of the Accident Protect legal advisor and 2 external independent legal advisors. Accident Protect will not be responsible for any costs incurred in referring your case to the Panel.

You are at all times free to get outside 2nd opinions but the cost of these will not be borne by Accident Protect unless approved in writing.

You are not obliged to use the services of Accident Protect in the event of which Accident Protect will not be liable for any costs incurred by you.

At the time of the accident, you must have complied with all the legal and regulatory requirements of the Acts governing the RAF.

As the RAF is an independent party, Accident Protect cannot guarantee performance by the RAF.

Accident Protect will guide and support you with your RAF claim but will not assist with:• claims against any other parties; • claims that are not covered by the RAF; or• claims above any limitations prescribed by the RAF Act.

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Should these benefits be included in your vehicle insurance policy schedule or combined vehicle and household contents insurance policy schedule with us, you qualify for the benefits provided for under this section.

We have teamed up with a number of partners across South Africa to bring you benefits to save you time and help your money go that little bit further.

For assistance with any of the Lifestyle Benefits & Discounts, please contact us during office hours (8am to 5pm during weekdays and 8:30am to 12:30pm Saturdays) on:

0861 001 041 and follow voice prompts for relevant assistance

Tiger Wheel & Tyre (TWT)What we offer:

Tiger Wheel & Tyre, one of the leading providers of tyres, wheels and service related products, offers Gold Club members preferential rates on all their products and services with a further 5% off your total invoice!*

How it works:

All you have to do is visit your nearest TWT store, ask for the assistant manager or manager, and tell them that you are an Oakhurst Gold Club member.

OR

With one simple call to us here at Gold Club, we will locate your nearest TWT store and either let them know that you are coming or get them to call you with a quote.

*Before tax and excluding TWT warranty products

Lifestyle Benefits &DiscountsLifestyle Benefits &Discounts

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Lifestyle Benefits &Discounts (cont.)Lifestyle Benefits &Discounts (cont.)Tyres & More What we offer:

Gold Club has partnered with Tyres & More to offer its members a new alternative to meeting their automotive fitment needs with preferential rates on all products, a 20% discount on all services, and an additional 5% off the total invoice.

How it works:

All you have to do is visit your nearest Tyres & More store, ask for the assistant manager or manager, and tell them that you are an Oakhurst Gold Club member.

OR

With one simple call to us here at Gold Club, we will locate your nearest Tyres & More store and either let them know that you are coming or get them to call you with a quote.

This benefit is not included where discounts or preferential rates are already received through Xpress Credit®, RCS, fleet cards managed by a fleet company or any other loyalty programs.

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Lifestyle Benefits &Discounts (cont.)Lifestyle Benefits &Discounts (cont.)Discounted Car Hire Booking ServiceWhat we offer:

We’ve negotiated fantastic discounts on car hire from Avis, Budget, Europcar, Hertz, Tempest and Thrifty.

How it works:

Call us here at Gold Club and tell us your requirements. We will provide you with relevant quotes and answer any questions you may have. Once you have decided which option is best for you, we will book the vehicle in your name and provide reservation details ready for you to collect your vehicle.

Terms and conditions for our Lifestyle Benefits & Discounts

All costs are for your own account.

A debit or credit card is required for this service.

Your policy must be fully paid up at the time of booking and service.

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Our commitment at Gold Club is to provide you with the highest standard of service at all times.We put our clients at the centre of everything we do and aim to meet your expectations at every level.We rely on your feedback as a valuable indicator of how we are living up to this commitment and are alwayshappy to receive your comments and suggestions!

Give us a call here at Gold Club on:0861 001 041 and follow voice prompts for relevant assistance

Due to some of these services being outsourced, we do not have direct control over the service that you may receive.

However we will take all reasonable steps to ensure that the service rendered by our partners is of the high standard that you,

as our valued client, would expect.

This policy is underwritten by Oakhurst Insurance Company Limited (Registration Number 2006/000723/06).

Oakhurst is licensed in terms of the FAIS Act (FSP No. 39925) and is authorised to provide financial services.

FeedbackFeedback

This benefit is for the driver and up to 4 passengers and relates to road accidents which occur whilst driving in the insured vehicle.

The problem:South Africa has one of the highest road accident counts in the world, with statistics showing that someone will die in an accident every 13 minutes. The impact of these deaths or injuries can have a catastrophic effect in terms of physical, emotional and financial loss for both the victim and the victim’s family. Thankfully, we do have support in the form of the Road Accident Fund (RAF) which provides compulsory 3rd party accident cover for all users of South African roads against such road accident deaths or injuries. However, the RAF claims process can be extremely costly, time consuming and complicated which makes getting compensation very difficult.

What we offer:Accident Protect’s service includes:

• an effective RAF claims management service with 100% of the payout being passed straight back to you• full legal and medical assistance to assess the merits of your case • full administrative support and documentation preparation for your claim submission • an assessment of the medical expenses incurred as a direct result of your injury• further legal and medical support to ensure you have all the necessary consultations and reports needed to support your claim• representation when dealing with the RAF

What this means to you:• Relief - Accident Protect guides and supports you throughout the entire process so that you do not have to queue or deal with the RAF yourselves. They ensure that you have everything you need to submit a fair and balanced claim. You will ideally receive your payout from the RAF in half the time compared to you submitting the claim yourself.

• Recoveries - You receive 100% of all payouts from the RAF.

• Representation - Their expert team will provide full medical, legal and administrative support from beginning to end. Who can claim and what you can claim for is dependent on the rules of the RAF. Accident Protect will advise you on the merits of your claim and whether you should proceed. They will also tell you what you will need for your RAF claim and cover the cost of any extra legal consultations, reports, medico-legal opinions, medico-legal reports, and actuarial opinions for loss of earnings resulting from your injuries, which may be required to support your claim.

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