Value Added Services
Value Added Products and Services
At Barloworld we understand that purchasing a motor vehicle involves far more than merely selecting the vehicle of your choice.
It is with this understanding of your requirements that we have launched a range of innovative support products called OPTIMUM.
Giving you true value through a selection of tailor made finance and insurance products.
We are registered with the FSB, Licence number 11338.
Personal Debt Protection
For your personal peace of mind, and to relieve you and your family of any unnecessary financial stress in the event of an unforeseen crisis. This unique Personal Debt Protection policy covers everything from selling your due installments to settling the full outstanding debt on your motor vehicle.
Benefits
- Option 1 - Death Only
- Option 2 - Death and Disability
- Option 3 - Death, Disability, Dread, Disease, Retrenchment and Redundancy
Death Benefit
We will cover the outstanding balance due to the Credit Grantor.
Total Permanent Disability Benefit
An amount equivalent to the death benefit shall be paid.
Temporary Total Disability
In the event that you are unable to earn an income, after a deferred period of 30 days the monthly installments shall be paid.
Dread Disease
In the event of the Insured being diagnosed as suffering a heart attack, stroke, cancer, coronary artery surgery, kidney failure, transplants or paraplegia, aplastic anemia and crohn's disease. An amount equal to the death benefit shall be paid.
Retrenchment
In the event of your unemployment due to company staff reductions, 6 months installments will become payable.
Redundancy
In the event of your unemployment due to the introduction of new technology or company restructuring, 6 months installments will become payable.
Second Life Assured
In the event of the Second Life Assured's death or permanent disability, a benefit equal to the First Life Assured's cover will be paid out.
No Claim Bonus
A no claim bonus equal to 10% of all premiums paid will be refunded to the insured. (Subject to conditions)
Optimum Maintenance Plan
The Optimum Maintenance Plan is a comprehensive Maintenance Plan that covers services, maintenance and repair costs.
Avoiding the financial risk of inflation and the rising costs of parts is easy with the Optimum Maintenance Plan. You won't have to worry about the costs of vehicle maintenance servicing including wear and tear and warranty cover for the duration of the Optimum Maintenance Plan contract. By purchasing the Optimum Maintenance Plan you are effectively buying tomorrow's repair and maintenance costs at today's prices.
Typically the Optimum Maintenance Plan is offered at the time of vehicle purchase and payment is coupled to the vehicle finance package. However. the Optimum Maintenance Plan can be purchased after point of sale by paying the single premium. A Used Car maintenance plan is also available to cater for slightly older vehicles which do not qualify for the new plan.
The extensive Barloworld Automotive network is on hand to ensure that you are mobile as quickly as possible with minimal inconvenience and expense.
Some of the major advantages of the Optimum Maintenance Plan are:
- Peace of mind hassle free motoring
- Avoiding rising maintenance costs due to inflation and industry price increases
- Enhanced vehicle re-sale value
- Regular servicing and maintenance of your vehicle
- Vehicle reliability
- Accurate forecasting and budgeting
For the specific Terms and Conditions of your Optimum Maintenance Plan please refer to your contract wording.
Optimum Service Plan
The OPTIMUM Service Plan has been designed to provide cover for both minor and scheduled services as recommended by the vehicle manufacturer specifications. Cover for all components as specified by the manufacturer for these services. Peace of mind that tomorrow's services, including parts labour, are covered at today's prices.
- Scheduled Services
- Specified Components
- Specified Labour Rates
- Engine Oil and Filter
- Fuel Filter
- Air Filter
- Brake Fluid
- Central Locking
- Air Conditioner Drain Pipe where fitted
- Lubrication of Door Hinges where necessary
- Spark Plugs
Optimum New and Used Vehicle Warranty
With the increased cost of vehicle repairs, a Mechanical Breakdown Insurance Policy makes very good sense.
The Optimum New and Used Vehicle Warranty Range is a comprehensive Mechanical Breakdown Warranty Range that covers the repair costs of mechanical breakdown with varying cover depending on the age and mileage of the vehicle. The purchase of the Optimum New and Used Vehicle Warranty includes Optimum Assist, a medical and roadside assistance programme.
Period of cover and inception
The Optimum New and Used Vehicle Warranty offers cover for 1 or 2 years and an unlimited amount of kilometers and expires upon reaching the 1 or 2 year limit. The Optimum New and Used Vehicle Warrant incepts on the date of expiry of the Manufacturer's Warranty. If the vehicle is not covered by the orgininal Manufacturer's Warranty at the date of vehicle purchase, the Optimum New and Used Vehicle Warranty incepts from the date of signature on the proposal form.
Claims Procedure
Take your vehicle into any one of the nationwide Barloworld Automotive Dealerships or dealer registered with the Retail Motor Industry who has full workshop facilities, for your authorized claim and repairs.
Your warranty is fully transferable enhancing the resale value of your vehicle by passing on the benefits of cover to the new owner for the remainder of the warranty.
Motor Comprehensive Insurance
Expanded Cover
Not only do we offer you exceptional rates for your Comprehensive Motor Insurance, we have Expanded Cover - providing highly competitive insurance cover for all your personal needs - all linked to your Comprehensive Motor Cover. Managing your insurance Portfolio becomes far more convenient and cost effective and you will make substantial savings on your premiums.
Some examples
- Household Contents: Insures all movable furnishings with in the home
- Home Owners: Insures any fixtures, fitting and immovable items
- All risks: Specifically insures personal items within or outside the home
- Personal liability: For any personal liability incurred due to unforeseen circumstances
- Additional Vehicle Cover: For any additional vehicles that you may wish to insure e.g. a second car, trailer, caravan, motor cycle etc
All these and more are available.
Optimum allows you to choose a motoring package that is most effective and affordable according to the vehicle that you are purchasing and by giving you a choice of benefits best suited to your own personal needs.
We deal with a panel of specialist short term underwriters with established track records in the vehicle insurance industry. You can rest assured that we have scoured the market to present you with the most competitive insurance rate.
The cover for any vehicle incorporates some or all of the following benefits, dependent on the selection of the underwriter you make.
- Replacement of the vehicle within the first 12 months, should it be written off
- You may authorise repairs of up to R750,00
- Car hire costs
- Auto Mobility
- Car radio cover (only if specified)
- Passenger liability
- Third party liability
- Medical expenses cover
- Storage & towing costs in the event of an accident
These are but a few of the many benefits* that you will receive should you choose insurance cover through one of our Barloworld Automotive approved Panel Insurers.
*Refer to your policy for detailed cover.
Credit Shortfall/Deposit Protector
These are the times when you need that extra cover that is not included in your standard comprehensive insurance policy. Barloworld Automotive has developed an extended policy for that vital added protection.
Credit Shortfall
Credit Shortfall covers the difference between your insurance payout and the amount owing to the credit provider. For example, if your vehicle is stolen or written off your insurance company will pay out either the market or retail value of the vehicle. In most cases this will be less than the outstanding loan with the credit provider.
The insurance company will also deduct the excess that you have to pay before they pay the balance to the credit provider. You now find yourself in a situation where you have no car and after the insurance payout you still owe the credit provider a considerable amount of money. Credit Shortfall Insurance will fill this shortfall and payout the difference between what the insurance payout and what you owe the credit provider.
Deposit Protector
When you have paid a deposit on your vehicle and there is a shortfall claim the deposit protector will cover you for a maximum of 10% of the market value of the vehicle at the date of loss or the actual deposit paid. whichever is the lesser, subject to a limit of R100 000. Speak to your Barloworld Automotive Consultant now for a no obligation quotation.
Safety and Security
This is one area that you just can't afford not to look at. Our valued range of safety and security products has been designed to not only protect you and your family but also the investment that you have just purchased.
Paint Protection
Exterior Protection (Paint and Trim)
Interior Protection (Leather Protection, Fabric Protection, Vynil and Trim Protection, Carpet Protection)
Window Safety Film
Barloworld Automotive Safety Film suppliers are one of the only window tinting films that is approved by major vehicle manufacturers in South Africa. Safety Film/Smash and Grab window tinting has become a necessity in South Africa due to the increased number of attacks occuring. If you have Barloworld Automotive Safety Film fitted to your car, you can now drive with peace of mind, because it will take the average smash and grab attacker several attempts to enter your vehicle. Barloworld Automotive suppliers use the most advanced window protection film technology. Our suppliers Safety Film is applied directly to the window and serves as an invisible coat of armor, strengthening the glass against accidental breakage or attack. Only the highest grade of materials is used and all film is fitted by our approved supplier's technicians.
Optimum Body Care (OBC)
The OBC policy brings you affordable vehicle maintenance. OBC covers the repair of minor dents, chips and scratches on your vehicle helping you keep your new investment in showroom condition without having to pay excess.
Tracking
We are affiliated with accredited tracking companies.
Cartrack, Tracker, Netstar, MiX Telematics and CTrack.