Let's keep it simple


    • Account

    • Car(s) listed on your insurance schedule

    • Contribution (aka excess):
      the amount You pay towards the cost of each claim You make.

    • Compulsory Third Party Insurance (CTP)

      Cover to a driver for legal liability for injury and death as a result of an accident for which the driver is responsible.

    • Flood

    • Insurance Certificate:
      all the details of your cover

    • Insurance Period:
      the dates you are covered for

    • Listed driver:
      driver listed to drive the car

    • Premium:
      How much you pay

    • Premium due date:
      When we will debit your account

    • Single car value

    • Unlisted driver

    • We, Us, Our or Poncho

    • You, Your or Policyholder

    • Policy

      Your agreement with us.


    Includes any act, or preparation in respect of action, or threat of action designed to influence the government de jure or de facto of any nation or any political division thereof, or in pursuit of political, religious, ideological or similar purposes to intimidate the public or a section of the public of any nation by any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) de jure or de facto, and which:

    • involves violence against one or more persons;
    • involves damage to property;
    • endangers life other than that of the person committing the action;
    • creates a risk to health or safety of the public or a section of the public; or
    • is designed to interfere with or to disrupt an electronic system.

    Total Loss

    • Not safe, or uneconomical to repair

    • Stolen and not found within 21 days

    • Includes your trailer if it was attached to your vehicle

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