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What is RoadCover?



Should you need to make a claim from the Road Accident Fund (RAF) after a motor vehicle accident, RoadCover will ensure that members have immediate access to an effective RAF claims management system with NO cost to themselves.

RoadCover does all the administrative management of a claim from start to finish, including things like:

  • Legal representation
  • Accident reconstruction
  • Medical, legal & actuarial reports
  • As well as Past & Future loss of earnings and support reports

At the end of the claim period, individuals receive the full benefit from the RAF payment with no hidden deductions.

please take note There is no limit on the amount of valid claims you make, however RoadCover does not guarantee a payment from the RAF.

Road Accident Fund

Did you know that all road users within South Africa have compulsory cover for injuries sustained or death arising from an accident.

Road Accident Fund
Road Accident Fund (RAF) is a public entity set up by the South African government aimed at making compensation payments to people injured, or dependants killed, in road accidents within South Africa as a result of third party negligence.

However recently proposed amendments have made claiming difficult and complicated for individuals, resulting in you spending massive amounts of time and money on the claiming process – not to mention trying to understand all the complications of how the claims process works – this while still suffering traumatic effects of your accident.

RoadCover takes care of all the hassles in claiming from the RAF for you, leaving you to focus on your recovery.

Claiming from the Road Accident Fund

The following criteria determines who is entitled to a claim:

  • A person who was personally injured (except a driver who was the sole cause of the accident)
  • The dependent of a deceased victim
  • A close relative of the deceased in respect of funeral expenses
  • A claimant under the age of 18 who must be assisted by a parent or legal guardian


What could one claim for?

  • Medical expenses
  • Funeral expenses
  • Loss of earnings or income
  • Loss of support for a dependent of a deceased victim (breadwinner, past and future)
  • General damages for pain, suffering and disfigurement after examining the extent and severity of the injury.

RAF Claim Example

Roadcover ensures that victims of motor vehicle accidents have immediate access to an effective RAF claims management system with no cost to themselves.

Typical claim example for a non-member:

Description Amount
Total Payout by RAF R97 300.00
Less contingency @ 25% R24 325.00
Less Medico-Legal (+interest) R15 600.00
Less medical aid costs R27 900.00
Less sundries R5 400.00
Total Remaining R24 079.00

Services of RoadCover

For the duration of the claim the individual receives the following:

  • Legal representation
  • Administration and claims management
  • Accident reconstruction
  • Required Medico-legal reports
  • Required Actuarial reports
  • Past and future loss of earnings reports
  • Past and future loss of support reports

RoadCover Plan

This membership includes:

  • The main member, partner/spouse and any dependent child under the age of 21 years or 25 if they are full-time students and not married.
  • The main members domestic staff if they are employed on a full time basis and work at the primary residence.
Query the cost The RoadCover Plan premium is R39.00 per month as of 2016.

The membership moves around with the member at all times, protecting you:

  • In your own vehicle
  • In any other vehicle
  • Whilst being a passenger
  • Whilst being a pedestrian
  • Whilst being a cyclist etc.


Next steps

Upon acceptance of the policy, you will get an email welcoming you to the RoadCover Plan including a membership confirmation of the RoadCover scheme together with your very own membership number.

Your document pack, which will contain your RoadCover Welcome letter, Participation Certificate and Brochure, will be sent to you within 24/48 hours, if your preferred method of communication is Email or within 2-3 weeks if your preferred method of communication is Post.


Cooling off period

The Member has a 7 (seven) days cooling off period from receipt of this email to examine the Membership. Should the Member decide not to take up the Membership, he/she must inform RoadCover in writing of the intention not to accept, provided that no claim has taken place in this period.

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All membership fees already paid shall be refunded.

Please take note Roadcover requires a notice period of one calendar month should you decide to resign from the membership.


Membership Schedule

Please take note File your membership schedule, and other documentation received from Roadcover for future reference.

Valuable tips Contact RoadCover for full benefits, procedures for service, as well as Service limitations.


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