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Auto Top Up
What is Auto Top-Up Plus
What is Auto Top-Up Plus
Imagine your car is stolen or written off and your car insurance won’t cover the whole amount that you owe? Eish! That would be scary. Luckily, with Auto Top-Up Plus cover you won’t have to worry because it’ll cover any amount you still owe on the car. It even includes other benefits like personal accident cover as well as excess and installment protector. Nice neh?
What is covered?
Shortfall Cover benefit
This benefit pays out the difference between the comprehensive insurance payout and any amount you still owe to the finance institution on your car if your car is written off or stolen and not recovered.
Personal Accident benefit
We’ve included our personal accident cover that gives you cover for any personal accident that results in the accidental death or total permanent disability of the registered owner of the car and/or for the accidental exposure to HIV. This benefit is not dependent on the car to be written off and will continue if you no longer have a shortfall on your finance amount in the event of a write off.
Excess Protector benefit (Optional benefit)
If your car is written off and your comprehensive car insurance policy approved your claim, our Excess Protector benefit will pay you up to the selected amount to assist with the excess you paid on your comprehensive car insurance claim.
Installment Protector benefit (Optional benefit)
If your car is written off and your comprehensive car insurance policy is in the process of reviewing your claim, our Installment Protector benefit will pay you up to 2 months on your monthly car installments until your comprehensive car insurance claim has been finalised.
And how’s this? You won’t pay an excess on any Auto Top-Up Plus claims.
How does the cover work?
If your vehicle is either:
- Stolen and not recovered; or
- Stolen and recovered but damaged and not economical to repair, and written off; or
- Accidentally damaged but not economical to repair, and written off and your comprehensive vehicle insurance claim payment result in a shortfall between the claim payment amount and the settlement balance of the credit agreement this policy will cover the shortfall.
How do I qualify for Auto Top-Up plus cover?
The vehicle must meet the following conditions:
- The vehicle must be comprehensively insured.
- The vehicle must be financed.
Frequently Asked Questions
What are the limitations?
Perils covered under the Auto Top-Up Plus Cover:
- Car stolen and not recovered, or
- Car stolen and recovered but damaged and not economical to repair, or
- Car accidentally damaged but not economical to repair and is written off.
We will not cover you if:
- the claim against your comprehensive car insurance policy is rejected for any reason.
- your car is stolen and recovered but is economical to repair and is not written off.
- your car is accidentally damaged but is economical to repair and is not written off.
Refer to Terms and Conditions for a full list of exclusions.
How do I claim?
To claim on the Auto Top-Up Plus policy, contact our call centre on 0860 10 55 38 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will guide you through the process.
What is the most we will pay?
The most we will pay is either:
- the settlement balance of the credit agreement, minus:
- any amounts refundable to you at the time of the loss, such as, but not limited to car warranty or credit life;
- any further or additional amounts that were added to the principal debt of your credit agreement after commencement, including penalties and interest charged on late payments;
- the amount paid out on your underlying insurance claim;
- the value of any benefit paid by your underlying insurance claim which did not form part of your principal debt when the credit agreement commenced, like sound equipment or car accessories;
- Or the amount stated on your schedule – whichever is the lesser.
To download your Auto Top-Up Plus terms and conditions, Click here
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One of SA’s lowest insurance quotes
*Based on 2020 independent research
Get in touch today and save
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Refer 3 friends to receive an obligation-free quote, and stand a chance to
Win R10 000
Terms and conditions apply
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Budget Referral Campaign Terms and Conditions
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<p>Budget Insurance will be running the “Referral Campaign” on their Paid social platform.</p>
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<p>The promoter of the competition is Budget Insurance Company Limited, (Registration number:1998/004804/06), an authorised insurer and financial services provider (FSP: 18178), whose registered office is at Auto & General Park, 1 Telesure Lane, Riverglen, Dainfern, 2191</p>
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<p><strong>DURATION OF THE CAMPAIGN</strong></p>
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<p>1. The competition commences on 16 July 2021 to 30 December 2021 both days inclusive. After this date, no further entries to the competition will be permitted unless the competition is extended or brought to an earlier closing date wherein that new closing dates will be applicable.</p>
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<p><strong>WHO MAY ENTER THE CAMPAIGN</strong></p>
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<p>2.1. The competition is open to new and existing Budget Insurance clients, as it will run on Budget’ Paid social platform</p>
<p>2.2 Only referrers who submitted referrals via the online Budget paid social platform ‘call me back page’ will qualify.</p>
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<p><strong>WHO MAY NOT ENTER THE CAMPAIGN</strong></p>
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<p>3. The competition is not open to-</p>
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<p>3.1 directors, members, partners, agents, employees or consultants of Budget Insurance and/ or any of their associated or affiliated companies and/ or agencies or any supplier of goods or services in connection with a competition; and</p>
<p>3.2 the spouse, life partner, business partner or associate, or the natural or adopted parent, child or sibling, of any person specified in the above.</p>
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<p><strong>HOW TO ENTER</strong></p>
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<p>4. Through the Budget Insurance website referral campaign page</p>
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<p><strong>HOW MANY TIMES CAN YOU ENTER?</strong></p>
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<p>5. The referrer may refer up to 3 friends or family members, for every obligation-free insurance quote completed you get a free entry into the draw</p>
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<p><strong>PRIZES </strong></p>
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<p>6. The prize available to the winner is R10 000.00 (ten thousand rand) in cash.</p>
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<p><u><strong>REQUIREMENTS YOU MUST MEET TO USE THE PRIZE</strong></u></p>
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<p>7. For every referred friend who gets an obligation-free insurance quote from us, the referrer will get an entry into the draw.</p>
<p>7.1 A referral is also only successful if it has been made through the correct channels i.e. our call centre phoning the referee or via the specified channel of communication. </p>
<p>7.2 The prize is not transferable or exchangeable.</p>
<p>8. You must possess whatever documents and permissions that may be required in order to accept and use a prize, which documents and permissions is your responsibility to obtain at your own cost, and which documents and permissions must remain valid in such minimum form and for such minimum period after the prize date as may be required by the relevant authorities.</p>
<p>9. Budget Insurance may require you to provide us with such additional information and documentation as we may reasonably require in order to process, confirm and facilitate your acceptance and/or use of a prize. If you refuse to provide us with the requested information or documentation, you will forfeit the prize.</p>
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<p><strong>DELIVERY AND/OR ACCEPTANCE OF PRIZE</strong></p>
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<p>10. Budget Insurance will contact the winners to arrange delivery of the prize</p>
<p>11. Delivery of the prize may take up to 30 days. </p>
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<p><strong>HOW WILL WINNERS BE NOTIFIED </strong></p>
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12. The winners will be notified by phone call and email by Budget Insurance
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13. The winner may be required to submit their banking details wherein the prize money will be paid into for verification before payment is made.
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<p><strong>WHAT HAPPENS IF THE WINNER CANNOT BE CONTACTED OR IS NOT ABLE TO TAKE UP THE PRIZE</strong></p>
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<p>14. If the winner does not claim the prize within 24 hours of the day of notification, the winner will forfeit the prize and Budget Insurance reserves the right to re-draw a new winner under the same conditions.</p>
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<p><strong>GROUNDS FOR DISQUALIFICATION </strong></p>
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15. You may not win a prize if it is unlawful for Budget Insurance to supply such a prize to you. If you do win such a prize, you will forfeit it.
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<p>16. If you fail to comply with any of the terms and conditions, then without prejudice to any other remedy which Budget Insurance may have, you will be automatically disqualified and you will forfeit the prize/s (in the event that you have already won a prize).</p>
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<p><strong>GENERAL </strong></p>
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<p>17. Your entry into the competition and/or your acceptance of a prize (in the event that you win a prize) constitutes your binding acceptance of the terms and conditions.</p>
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18. If you use a mobile phone for entry into the competition, the telephone calls/text messages/ data usage will be charged at the prevailing rates, which may vary from time to time. "Free" minutes under a cell-phone contract do not apply.
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19. It is your responsibility to ensure that your entry is received by Budget Insurance prior to the closure of the competition. Any entries which are not received by Budget Insurance prior to the closure of the competition will not be eligible to participate, regardless of the reason for the late entry. Budget Insurance and its affiliates are not responsible for any entries which are not received by Budget Insurance, whether timeously or at all, regardless of the cause thereof. Without limitation, Budget Insurance and its affiliates are not responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer hardware or software failure or malfunction, traffic congestion (whether physical, or on the Internet, telephone lines or at any service provider, web site or other device or medium), or any combination thereof, or any other technical or other problems.
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20. Budget Insurance and our affiliates are not responsible for any injury or damage to your or any other person’s computer, mobile telephone or other device used by you to enter into or obtain any materials related to the competition.
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21. It is your responsibility to ensure that any information which you provide to Budget Insurance is accurate, complete and up to date. Should any of the data provided by yourself in connection with this competition prove to be invalid, inaccurate, and false or misleading, your entry shall be disregarded and you shall be prohibited from entering any further Budget Insurance competitions for a set period to be determined by Budget Insurance.
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22. Budget Insurance does not make any representations or give any warranties, whether expressly or implicitly, as to a prize, and in particular, but without limitation, make no representations and give no warranty that –
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23.1 your entry or participation in the competition will necessarily result in you winning a prize; or
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24.2 a prize, or any aspect thereof, will meet your, requirements, preferences, standards or expectations.
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25. Budget Insurance and our affiliates will not be responsible for any harm, damage, loss or claim relating to the provision of any element of a prize or any changes to a prize that may be made at any time.
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26. Prizes are not transferable and may not be deferred, changed or exchanged for any other item.
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27. Budget Insurance may invite you to be present when the prize winners are determined or announced, to participate in any of our marketing activities, to appear in person in the electronic media and/or the print media, and/or to endorse, promote or advertise any of our goods or services, for which no fee, royalty or other compensation will be payable. You may decline such an invitation.
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28. Budget Insurance and our third-party suppliers, as the case may be, reserve the right to vary, postpone, suspend, or cancel the competition and any prizes, or any aspect thereof, without notice at any time, for any reason which we deem necessary. In the event of such variation, postponement, suspension or cancellation, you agree to waive any rights, interests and expectations that you may have in terms of this competition and acknowledge that you will have no recourse against us, our affiliates and third-party suppliers.
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29. You agree that your participation in the competition, and your acceptance and/or use of a prize, or any aspect thereof, is at your own risk.
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30. Budget Insurance and our affiliates will not be responsible, and disclaim all liability, for any loss, liability, injury, expense or damage (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, which is suffered by your participation in the competition or the acceptance and/or use by you, or your partner (if applicable), of any prize, or by any action taken by us or any of our affiliates in accordance with the terms and conditions.
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31. You, and in the event of your death, your family, dependents, heirs, assignees or any other beneficiaries of your estate, indemnify and hold us and our affiliates harmless against any claim by you, or your partner (if applicable), (whether direct, indirect, incidental, punitive or consequential) of any nature, whether arising from negligence or any other cause, relating to any injury, loss, liability, expense and/or damage which you may suffer, howsoever arising, in relation to your entry into this competition and/or acceptance and/or use by you of a prize.
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32. You acknowledge that the acceptance and use of a prize is subject to the proviso that –
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33.1 all of the terms and conditions will apply to both you and your partner (if applicable), and you will ensure that your partner agrees to be bound and complies, and will continue to comply, therewith;
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34.2 you will take full responsibility for your partner;
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35.3 you indemnify and hold us and our affiliates harmless against any claim by your partner or any third party in the event that your partner suffers any loss or damage pursuant to your partner’s acceptance and/or use of a prize;
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36.4 any minor will be accompanied by a parent or legal guardian.
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37. By entering this competition, contestants agree to receive marketing and/or promotional material from Budget Insurance and/or any of their associated or affiliated companies. No contestant or winner of this competition is in any way obliged to enter into a contract of insurance with 1st for Women and/or a contract with any of their associated or affiliated companies.
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38. For purposes hereof, "affiliate" means Budget Insurance ’s partners, co-promoters and sponsors of this competition, our subsidiaries, our and their subsidiaries and respective holding companies, the subsidiaries of their holding companies, and our and their directors, officers, employees, agents and representatives.
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39. These terms and conditions will be construed, interpreted and enforced in accordance with the laws of contract and dispute resolution in the Republic of South Africa
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40. Budget Insurance and the judges' decision on any matter concerning the competition and/or arising out of these terms and conditions is final and binding on you, and no correspondence will be entered into.
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<p>41. All individuals who send referrals must obtain the necessary consent from the referred party prior to sharing the details with Budget Insurance. The referee must consent to their details being shared with Budget Insurance.</p>
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