The Contract Period:
The period of contract is the same period of vehicle insurance policy which issued by Misr Insurance Co. to the mentioned car.
The Contract Premium & its coverage:
Safety Plus Co. shall issue the Vehicle Insurance Services Contract for the the Insured against the agreed premium to cover the mentioned car against any accidental damage, fire or “totally stolen & not found”.
Any Circumstances Change during the period of insurance:
-The Insured must tell us as soon as possible if any of the following occur :
a-if the car has been modified from the normal manufacturer’s specification
b-You change your car
c-You want to use your car for a purpose not specified in your policy
d-You change the address where normally keep your car.
We may then re-assess your cover & premium. If you don’t tell us about any relevant changes, we may reject or reduce any claim or treat you as being uninsured. We may charge you an administrative fee for any change you make to your policy details during period of cover.
The Insurance Premium Payment:
The Insured shall pay the Vehicle Insurance Services Contract premium in advance before the issuance of the vehicle insurance policy for the vehicle mentioned in this contract.
Car Inspection in case of an accidental damage:
The mentioned car shall be inspected in our company garage, by the insurance co. & our technical engineers whom only have the right to mention & determine the needed individual parts, paints, materials & labour.
Misr Insurance Policy:
Safety Plus Co. shall issue the insurance policy by Misr Insurance Co. (S.A.E.) located at 7 Talat Harb St. Cairo, According to the previsions No.10 /1981 and registered in the Insurance Institution under No.(1) in 1982, Commercial registry No.12, Cairo, North Cairo District, Code No.A012.
The Insurance Co. terms & conditions:
The Insured undertakes to fully comply with Misr Insurance Co. specific rules & conditions as follows:
Disputes & Governing Law:
In event of any dispute or claim arising out of or relating to the conditions and rules mentioned in the insurance statement, shall be finally settled by arbitration in accordance with the Egyptian law No.27/1994 for the Civil and the Commercial subjects.
Unaccepted Claims:
No claims shall be accepted by the insurance company in the following cases:
-In the event of telling false or presenting wrong data or documents by the second party or any of his representatives to force the Insurance Co. to accept the insurance.
-As a result of breach of laws, contractual obligation & regulations organizing the insurance activities, especially if it is on purpose.
-In the event of telling false or presenting wrong data or documents by the second party or any of his representatives about the accident or if the accident was pretended.
Private Vehicle:
The insured vehicle should be private (Not rented vehicle), and it was proven that the vehicle was rented in case of accident occurrence, The first party is not responsible for covering the accident and the vehicle insurance statement is cancelled at once without any refund to the second party.
The Admintrative & Financial tasks:
Safety Plus Co. undertakes to handle the all procedures in case of accident, as follows:
-Informing the insurance company.
-Before & after repairs inspection.
-Following up the vehicle repairs.
-Checking the vehicle after repairs to ensure the best quality, highest performance & safety.
That is to ensure that all repairs are checked under complete supervision of our qualified staff with providing 3 months as a guarantee on the repairs.
Paying the Repairs Invoice:
Safety Plus shall pay the repair invoices immediately after finishing the repairs directly & delivering the vehicle to the customer at once without any excesses have to be paid by the insured towards the cost of the claim.
Air Bags, Glasses & Aluminum Alloy Wheels:
As the rules of all car insurances company:
-Regarding the deployed air Bag(s), there will be an excess 25% on the invoice of the replaced air bag(s) or any part of the air bag system has to be replaced, shall be paid by the insured.
-Regarding the damaged or Broken glasses in the windscreen or windows of your car, their repairs or replacement shall be covered completely without any excess has to be paid by the insured in case of repairing or replacing the damaged glass by our alternative approved & guaranteed one.
But in case it is replaced with the genuine one, there will be an excess 25% shall be paid by the insured towards the cost of the glass invoice.
-Regarding the damaged Aluminum alloy, wheel (sport), the cost of its repair will be covered completed without an excess, but in case of replacing it; there will be an excess 25 % shall be paid by the insured towards the cost of its invoice.
The Courtesy (replacement) Car:
The Courtesy (replacement) Car is only applied if you have paid its extra premium & mentioned in the preamble, it will be for 10 days maximum during the repair period for one time only during the vehicle insurance policy validity period for 100 K.M. daily and any extra K.M. charge shall be paid by the second party.
Safety Plus shall provide a replacement vehicle not older than 24 months after first registration, within maximum 48 hours from the accident, provided that the mentioned car is (not) a write-off/total loss or hasn’t been totally stolen and the repairs period shall be more than 48 hrs.
& If the Insured refuses upon his wish to use the replacement vehicle (if it is applied in this contract) in case of accidental damage, it is not allowed for him to claim for any compensation.
Extending the Replacement Car:
In case, the Insured wish to rent the vehicle for extra period after the maximum period mentioned for the replacement vehicle, he will be allowed to rent the vehicle with the discounted agreed discounted rates.
The Replacement Car Responsibility:
The Insured is fully responsible for any damages or any traffic offences for the replacement vehicle.
The Writ-off/ Total Loss:
First of all, pleas make sure all personal belonging are removed from your car before collection. You have to notify us immediately & you must make a complete, accurate & fully detailed Police Declaration Report at the nearest police station. Then we will assess the damage to your car to consider if it can be repaired or not, if we confirmed that it can’t be repaired , we will call you to discuss and agree a valuation for your car (based on its local fair Market value)& if we have agreed settlement , we will follow up issuing the compensation amount cheque ASAP, after selling & delivering your car to the insurance Co. completely free of any customs, taxes, remaining installments or any other suspended fees.
Then The Insured shall pay 5 % from the compensation amount paid by the insurance company for the vehicle, to the Safety Plus Co. against all administrative, financial, Vehicle parking fees & following up issuing compensation Cheque from the Misr Insurance Co. (in favor of the second party) as soon as possible.
The Car has been “totally stolen & not found”:
The Insured has to notify us immediately & you must make a complete, accurate & fully detailed Police Declaration Report at the nearest police station. Then we will pass all the case to the insurance company with our company report to be discussed & fully studied and investigated to agree a valuation for your car based on its “local fair market value” within limited time depending on the case. You will not be entitled to a courtesy car.
In case the “Duty-Free Car” is Total Loss or Has been “Stolen & not found”:
The same procedures shall be applied as for the “duty-paid car” as previously cleared except that in case of being “totally stolen & not found”, you have to provide us with the original proofs that your car has been settled with the customs institution and becomes free of any customs, taxes or any remaining installments or any other kinds of suspended fees.
Contract Termination:
The contract may be terminated automatically & immediately by the Safety Plus Co. without any claim from the Insured for any refunds regarding the paid installments before, in case of failure by the Insured to pay the installments of the vehicle insurance fees on the agreed on due dates and/or in case of non fulfillment by the Insured of the conditions precedent (as defined above).
What is not covered?:
What is not covered by the Insured policy:
1-Loss or damaged caused by wear or tear or depreciation.
2-Any mechanical electrical, electronic, computer software breakdowns, failure, faults breakages.
3-Loss of any of your car contents or your personal belongings whether caused by theft or not, where your car is covered against “being totally stolen ¬ found”
4-Loss of, or damage to:
-Any personal belongings and electrical accessories are not permanently fitted to your car caused by accident, fire, theft or attempted theft, while they are in or on your car.
-Money, credit or debit cards, stamps, tickets, vouchers, documents and securities.
5-Damage to tyres caused by braking, punctures cuts or bursts.
Old Dameges:
In case of accident for the insured vehicle, the Insured shall pay all damages made before issuing the insurance statement, according to the Misr Insurance First Inspection Report.
The No-Claims Discount:
If the Insured doesn’t claim during the period of cover, we will give him an annual discount 10% at the next renewal date, up to overall 25%, as a maximum discount on the insurance premium. The no claims discount cannot be transferred to another person or used on more than one policy at the same time, but it could be transferred to another car for the named driver, in case of changing the car.
Personal Accident Insurance & Third Party Liability:
The P.A.I & T.P.L are only applied if their premiums are paid,Then an attachment to the contract per each, shall be issued to show thier terms & conditions, what is covered & what is not covered.
Paying the Suspended Installements:
The Insured undertakes to pay Safety Plus the total remained installments agreed on before, in case of an accidental damage before starting any repairs.
Complains Procedure:
We are committed to providing you with a first class service but we recognize that there may be an occasion when you feel we may not have done this & you wish to make a complains speedily & at the earliest possible stage.
In the first instant, please contact our customer satisfaction & complains Dept., we will try to resolve your complain on receipt.
In the unlikely event that the problem hasn’t been solved to your satisfaction, you may contact our customer Relation Manager will review your complain and send you final decision in writing. Our Customer Relation Manager acts with the full authority of our General Manager. The address of our Customer Relation Manager is : P.O Box : 22, El_Nozha El-Gdida 11843, Cairo.
Disputes & The Governing Law:
The parties shall make their best effort to settle amicably all disputes arising in connection with performance of this agreement, if such a settlement fails within 15 days after the written notification of the claim one of the parties to the other party, the corresponding controversy, dispute or claim arising out of or relating to this agreement shall be finally settled by arbitration in accordance with Egyptian law in the Egyptian courts, where the validity, interpretation & performance of this agreement and the resolution of all disputes arising under this agreement shall be governed and be constructed and interpreted by the Egyptian law without giving effect to the conflict of laws principles.
