Passenger Liability

The standard comprehensive policy offers this cover for FREE which gives you protection should you be held legally responsible for death or injury to passengers in your vehicle should you or your driver cause the accident.

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The addition of passenger liability ensures that you are protected should you or your driver negligently cause an accident involving the insured taxi vehicle and should your passengers exercise their right to:

• Claim compensation for death / injury or medical expenses from the road accident fund.

• Sue you for any balance over and above the compensation received from the road accident fund.

This extension is available only if the policy holder has paid a deposit for the purchase of the vehicle and is able to provide proof; e.g. purchase invoice

Where your vehicle has been damaged and CTU regards your vehicle as uneconomical to to repair and declares the vehicle a write off or your vehicle has been stolen or hijacked and not recovered by claim settlement date, the Company will indemnify you as follows:

Vehicles up to two years in age:

• Payment of the difference between the original Purchase Price as new and the Amount Paid (before deduction of the first amount payable up to a maximum of R 75 000 per event.

Vehicles up to two years in age:

• Payment of R 50 000 towards a deposit for a replacement vehicle.

This is a non-insurance product.

There is an additional premium payable for this extension.

The policy is automatically extended to include the following benefit:

Professional, in-house, qualified legal advisors provide advice to the policyholder on any legal topic or matter ranging from debt and divorce to labour and domestic violence, 24/7. The legal service also provides for standard legal documents such as a domestic worker employment contract, maintenance kit, offer to purchase, small claims court kit, Road Accident Fund, etc. In addition, the legal advisors will also peruse and evaluate agreements.

Matters which require assistance by a practicing attorney will be referred to an attorney on the national database and the

policyholder qualifies for a first 30 minute consultation, one letter of demand or a telephonic call to the party in question at no cost.

Condition: Additional consultation in excess of the first 30 minutes is arranged between the policyholder and the attorney and paid for by the policyholder.

Legal Advice contact: 0860 464 694

In the event of a claim under the motor section of the policy the Company will pay the insured an amount depending on the option selected:​

Standard Option 

Repairable vehicles - R400 per day, for a maximum of 15 working days (Saturday, Sunday and Public Holidays excluded).

Total Loss – a lump sum payout of R6,000

Mini Option

Repairable vehicles - R600 per day, for a maximum of 15 working days (Saturday, Sunday and Public Holidays excluded).

Total Loss – a lump sum payout of R 9,000

Large Option

Repairable vehicles – R1,000 per day, for a maximum of 15 working days (Saturday, Sunday and Public Holidays excluded).

Total Loss – a lump sum payout of R15,000

Excess Reducer

For a small additional cost, CTU is able to reduce your excess by R 4000.

There is an additional premium payable for this extension.

Cash Back

Should the client not claim (including windscreen) for a period of 3 years CTU would reward the client by refunding 10% of the risk premium excluding extensions and fees.

The cash back extension is calculated per policy and not per vehicle. Therefore, should one claim arise under the policy no refund would be made.

This extension is available at an additional premium.

This is compensation should the Owner, Driver and/or passengers be killed in a accident 

There is an additional premium payable for this extension.

Cover Applicable

• Maximum Indemnity R 100 000

• Owner R 30 000 ( Death covers applies to the owner in both his taxi and private vehicle.)

• Driver (Death) R 30 000

• Driver (Permanent Disability - depending on the disability) Percentage of R 30 000

• Passenger R 5 000 (Death cover only.)