Keeps bad things from going to worse. Covers the difference between the amount paid out by your comprehensive motor policy and the amount that you still owe to the finance company in the event of a total loss claim.


Watch the video below to find out more.

Adcover is best explained using a simple, practical example:

John buys a brand new vehicle for R380 000. As an all-round good guy, he has no problem getting finance from his bank, or paying the monthly instalments.

After a few months John has an accident. Thankfully, he walks away from the accident... his vehicle, on the other hand, is not as lucky.

John's vehicle is written off and his insurer agrees to pay a sum of R320 000. Unfortunately, he still owes R365 000 to the bank.

Luckily John took an Adcover policy when he bought the vehicle, which will take care of the R45 000 difference, which includes a R4 500 insurance excess!

John is one happy guy.


Not sure what the Adcover solution covers? 

Take a look at the graph and explanation below.

The Adcover solution in a bit more detail

An Adcover policy takes the risk out of buying on credit. We will look after:

  • the shortfall between the amount paid out by your motor insurer and the amount you owe the bank*, 
    • including an amount up to R 6 000 towards your excess
  • refund you the premiums that you paid towards your Adcover policy if there was no shortfall*
  • if your claim was rejected under your insurance, we will take over the claim from your comprehensive motor insurer**
    • for the reasonable repair cost,
    • the market value or sum insured, whichever is lesser, minus the excesses for a total loss claim
    • an additional pay-out towards towing and storage
  • R 20 000 in the event of your accidental death or permanent total disability caused directly by a motor vehicle accident involving your vehicle***

Scenario events

Motor insurer accepts claim



   No shortfall - refund of premiums

Motor insurer rejects claim


   Reasonable repair cost

   Total loss claim [written off or stolen]

   Towing and storage

Death or permanent total disability


Frequently Asked Questions

When will John’s Adcover kick in?
Adcover kicks into action whenever your vehicle is considered a total loss. This could be due to:

  • an accident which results in a write off
  • stolen, or hijacked, and not recovered

Adcover will also cover up to R 20 000 should John pass away, or become permanently totally disabled in the accident.

What happens if there is no shortfall between the amount paid out by my insurance and the amount John still owes?
We will reimburse John all his premiums paid towards his Adcover policy.

What happens if my insurance company rejects my claim?
Adcover will take over the claim from John’s comprehensive motor insurer.

Does Adcover only apply to passenger vehicles?
No, we cover everything from caravans to a selection of commercial vehicles - new and pre-owned.


You will find an explanation of all the different parties involved in providing you with our smart solutions. For more information on the products, insurer, administrator and excesses click here.



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For more information on our Adcover solution, please download our PDF guide.


Policy wording (full terms and conditions) –  is available upon request. 
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