If you have an M-Sure warranty on your car in South Africa and experience a mechanical or electrical breakdown, here’s a detailed guide to navigate the claims process:

Understanding Your Coverage

• Review your policy documents: Before initiating a claim, carefully review your M-Sure warranty policy. This document outlines the specific components covered, claim procedures, exclusions, and any limitations.
• Identify the issue: Pinpoint the problem you’re experiencing with your car. Understanding the issue will help you determine if it falls under your warranty coverage.

Initiating a Claim

There are two primary ways to initiate a claim with M-Sure:

• Online: If available, M-Sure may offer an online claims portal on their website. This allows you to submit your claim electronically and upload any necessary documents.
• Telephone: You can contact M-Sure directly at their claims hotline: 0860 329 729.

Information Required When Making a Claim

• Your policy details: Have your policy number or any other relevant identifying information readily available.
• Car details: Provide details about your car, including the make, model, year, and registration number.
• Description of the problem: Clearly explain the mechanical or electrical issue you’re experiencing.
• Contact information: Ensure M-Sure has your current phone number and email address for claim communication.

Taking Your Car to a Repairer

• M-Sure Approved Repairers: M-Sure has a network of approved repairers across South Africa. Whenever possible, take your car to one of these authorized repairers to streamline the claim process. They will be familiar with M-Sure’s procedures and can handle communication directly with M-Sure.
• Non-Approved Repairers: While using a non-approved repairer may still be possible, it can complicate the claim process. M-Sure may require pre-approval for repairs and may not guarantee the quality of work done by a non-approved repair shop.

Claim Approval Process

• Repair estimate: Once at the repair shop, they will diagnose the issue and provide a repair estimate.
• M-Sure authorization: The repair shop will likely need to submit the estimate to M-Sure for authorization. This may involve M-Sure sending an assessor to verify the repairs are covered under your warranty.
• Claim approval/denial: M-Sure will review the claim details and repair estimate. They will then notify you of their decision (approval or denial) based on your warranty coverage.

Possible Claim Outcomes

• Claim Approved: If your claim is approved, M-Sure will authorize the repairs at the chosen workshop. You may be responsible for any excess amount outlined in your policy wording.
• Claim Denied: If your claim is denied, M-Sure will provide a reason for the denial. You can then review your policy terms and consider appealing the decision if you believe the repairs should be covered.

Important Tips for a Smooth Claim Process

• Act promptly: Report the breakdown to M-Sure as soon as possible after the issue arises.
• Maintain records: Keep copies of all claim-related documents, including repair estimates, invoices, and communication with M-Sure.
• Ask questions: If you’re unsure about anything during the claim process, don’t hesitate to contact M-Sure for clarification.

M-Sure Contact Information

• Website: https://www.m-sure.co.za/claims/
• Phone: 0860 329 729

By following these steps and understanding the process, you can navigate your M-Sure warranty claim effectively. Remember, communicating clearly, keeping necessary records, and understanding your policy coverage are key to a smooth claims experience.