Lite Cover Car Insurance

Get affordable, value-for-money cover for your car – call 0860 000 243 to get a quote.

Overview

Budget car insurance that’s simple, customisable and affordable

Is your car worth less than R120 000 and is no longer financed? Want to insure your car in the event you have an accident or a theft but need to do it on a shoestring budget? Lite Cover is the simple, affordable, “light” car insurance solution you’ve been looking for that keeps your car on the road. It’s cheaper than standard car insurance because you can personalise it to get only the essential cover that you really need, and it includes low excesses. Lite Cover pays out in cash, so you can use the repairer that you trust to fix the damage.

With our Lite Cover budget car insurance policy, you get three core benefits:

  1. Functional Damage Cover: You are covered for functional damage to your car as a result of accidents, attempted theft, fire or the weather, at a level of cover chosen by you. For example, you chose a functional damage limit of R35 000 and your excess is R1 000:
    • If the cost to repair the functional damage to your car is R25 000, we will pay R24 000
      (R25 000 less R1 000).
    • If the cost to repair the functional damage to your car is R40 000, we will pay R34 000
      (R35 000 less R1 000).
  2. Theft Cover: You’re covered for the full value of your car if it is stolen or hijacked. 

  3. Third party liability:  You’re covered for any damage to the car or property of another person because of an accident that involved your car.

Our affordable Lite Cover Car Insurance also gives you other additional benefits, such as having your car towed to your chosen repairer. You can also choose optional add-ons such as cover for cosmetic or windscreen damage, write-off cover and a transport allowance after a claim. 

Take advantage of our unique buy-back offer! In addition to paying you for your claim, we will also offer to buy your damaged car after an accident. So, rather than going through the hassle of repairing your car, you can rather choose to buy another car using the cash from your claim and the cash from selling your damaged car to us. 

Need no-fuss, cheap car insurance that’s tailored to your budget and that gives you great value for money? Get a Lite Cover Car Insurance quote today.

Features & Benefits

Get exactly what you pay for, with no hidden extras or nasty surprises – just solid cover that keeps your car on the road.

Lite Cover Car Insurance is simple, affordable car insurance that fits your budget. Best of all, you can build your own policy to get only the car insurance cover you really need. Because claims are paid out in cash, YOU get to manage the process and decide which repairer to use. 

With a Lite Cover Car Insurance policy, you’re covered if your car is stolen or hijacked, if it’s damaged by fire, weather or because of an accident, and for third party liability.

Along with these core benefits, you also get free towing! Once your car has been assessed and we’ve determined the damage involved, we’ll arrange to have it towed free of charge to your own chosen repairer within a 50km radius. 

Keeping your cover to these core benefits helps keep your car insurance premium as cheap as possible. But, if you want extra cover, you can choose from a range of optional benefits at an extra premium each month:

  1. Cosmetic damage cover:  Limited to a maximum amount, this covers you for damage to your car that is purely cosmetic, such as scratches on the paint or dents to the bodywork. This is minor damage that doesn’t impact the operation of your car.

    For example: If you have a car accident and your car’s door is removed from the body of the car, we will pay for the cost to replace the door up to the functional damage cover limit. We will not pay for the cost to have the door spray painted, unless you also chose cover for cosmetic damage as well.

  2. Windscreen and glass damage: We’ll cover the cost of repair or replacement of fitted windows that are damaged, but only if the insured event didn’t cause functional damage as well, in which case it will be covered under the claim for functional damage. 

  3. Write-off cover: This covers you if your car is written off because of events such as an accident, attempted theft, hail or other bad weather. We will show you the value of your car every year, so you will always know exactly how much we will pay if your car is written off. If you don’t choose this cover and your car is written off or damaged beyond the point at which you’re insured for functional damage, you’ll only be paid out up to your functional damage limit.

  4. Alternative transport allowance: Get an alternative transport allowance when you claim, to help you with transport while you’re without your car. You can use this money for a taxi, to rent a car or for anything else.

  5. Legal cover: Get access to a 24 hour legal advice helpline. At an extra premium you can also choose cover for legal costs during civil or labour proceedings.

  6. En route personal accident cover: If the worst happens and you’re involved in a car accident, our En Route personal accident insurance covers the driver of the car (covered under our policy), and up to a maximum of nine passengers, for death or permanent disability. Learn more.
    We also cover the following costs up to certain limits:
    • Medical expenses
    • The cost of professional trauma counselling
  7. Tyre cover: This covers the cost of repairing four punctures a year at any Tiger Wheel and Tyre fitment centre in the country. It also covers the cost of damaged tyres, including wheel alignment and balancing once the new tyre has been fitted. Learn more.

As with all our car insurance policies, you have access to roadside emergency assistance, home emergency assistance and you participate in our No-claim rewards programme. 

What makes Lite Cover really special?

You will always know exactly how much we pay for theft or write-off

We will tell you what the value is that we are covering your car for every year, and that value will stay the same until the next year. This means you will always know exactly how much we will pay if your car is stolen or written off, so there are no nasty surprises.

Our unique buy-back offer!

We will always offer to buy your damaged car after we have paid you for a claim, unless the claim was for the windscreen or if your car was written off.  This means that you don’t have to go through the hassle of repairing your damaged car: you can rather choose to buy another car using the cash from your claim, plus the cash from selling your damaged car to us. Our offer will be based on what we believe your damaged car is worth, and we’ll offer you a minimum of the guaranteed buy-back amount, regardless of the extent of the damage to your car.

How to claim

How to contact us

Follow the easy steps below to get your claim handled fast and efficiently. Our contact numbers depend on the kind of policy you have.

Policy numbers with 10 digits, starting with the number “1”:
  • Direct policyholders: 0860 123 EASY (0860 123 3279)
  • Policyholders via intermediaries (brokers): 0860 321 EASY (0860 321 3279)
Policy numbers with 7 digits, starting with the number “7”:
  • Direct policyholders: 0861 010 203
  • Policyholders via intermediaries (brokers): 0861 010 203

If you have a different policy number, please read your policy documentation for contact details.

Still struggling to get in touch with the right person? Email us at easyclaims@hollard.co.za and one of our claim consultants will call you back.

Accident or Roadside Emergency Assistance:

Towing needed? Very Important!

If your car is insured with us and it needs to be towed, you must always call us to arrange for the towing. If you don’t, you might be charged an unreasonably high towing or storage fee and we might not cover the full cost. There might also be a delay in your claim.  

Accident Emergency Assistance – If your vehicle is involved in an accident and requires towing.
Roadside Emergency Assistance – If your vehicle had a breakdown, a flat tyre, the battery needs a jump-start, you locked your keys inside your car or you ran out of fuel.

Policy numbers with 10 digits, starting with the number “1”. Call the numbers below and follow the voice prompts for emergencies:
  • Direct policyholders: 0860 123 EASY (0860 123 3279)
  • Policyholders via intermediaries (brokers): 0860 321 EASY (0860 321 3279)

Policy numbers with 7 digits, starting with the number “7”. Call 0861 000 911 for emergencies.

Windscreen and glass claims:

We will replace or repair accidentally damaged glass in any fitted windows of your car, for example your windscreen, rear window and side window. Please call the numbers under How to contact us and select the “Glass claims” option. We will capture your claim telephonically and send out a service provider to you. 

Other claims:

1. Tell us of the claim within 30 days

Tell us of the event that you want to claim for as soon as possible (but within 30 days from the insured event).

Please have your policy number or identity number handy. One of our friendly claim consultants will guide you through the process. 

2. Report the event to the Police within 24 hours

You must report an accident, theft or attempted to the police within 24 hours. The police will give you a reference number (case number) which we will need to handle your claim. 

3. Send us the information we ask for

You must send us all the information we ask for as soon as possible. Below is a list of the typical information we need, but we may ask for more depending on the details of your claim.

  • Sketch and description of the incident
  • Photographs taken from the scene (if any were taken)
  • The driver's details
  • Third party details (if another person was involved)
  • The police reference number (accident report or case number)
  • A copy of the statement made to the police
  • A copy of your driver's license - if you do not hold a South African driver's license, we'll require a copy of your valid international / SADC license

4. We will contact you

We will contact your to keep you updated on the progress of your claim. If you want to talk to us at any time, you are welcome to call us the numbers under How to contact us.

Important things to remember

You must always ask our permission to have you vehicle repaired, except for emergency repairs. You must never do any of the following:

  • Admit guilt, fault or liability.
  • Offer or negotiate to pay a claim.
  • Accept any offer from another person to pay for any damage that you want to claim for.

Customer Support

Have a question? Need help?

You can contact us on the below contact details if you need to speak to us about anything. This could be general queries, making changes to your policy, claiming, if you have a complaint or if you want to add any of our latest exciting benefits.

Policy numbers with 10 digits, starting with the number “1”:

  • Direct policyholders: 0860 123 EASY (0860 123 3279)
  • Policyholders via intermediaries (brokers): 0860 321 EASY (0860 321 3279)
  • For emergencies follow the voice pormpts

Policy numbers with 7 digits, starting with the number “7”:

  • Direct policyholders: 0861 010 203
  • Policyholders via intermediaries (brokers): 0861 010 203
  • For emergencies: 0861 000 911

If you have a different policy number, please read your policy documentation for contact details.

Still struggling to get in touch with the right person? Email us at:

and one of our agents will call you back.

Got a complaint?

We hope that you never have any reason to complain, but if you do we’ll do our best to work with you and resolve it through the following process:

Step 1: Get in touch with our customer care specialists by emailing easycomplaints@hollard.co.za.

Step 2: If you need to take the issue further, ask to speak to a claims or administration manager to discuss your concerns.

Step 3: If, after speaking to a manager, your complaint is not yet resolved, you can take the matter further by writing to our internal dispute resolution committee. Your concerns will be investigated by a person with full authority to deal with the complaint and we’ll inform you of the outcome within 15 working days of receiving your letter.