Buying coverage
Step 1: Search and purchase a VRC
You can obtain instant quotes and purchase contracts on our website, - this can be completed in less than 5 minutes. You can also obtain quotes and purchase VRCs for multiple vehicles by uploading a CSV file containing the details of each vehicle. VRCs can be purchased for coverage lasting 12 or 24 months. After completing your purchase, you will be directed to send a screenshot of your odometer to confirm your mileage reading.
Step 2: Wait period and vehicle inspection
Coverage under the VRC commences only after a 30-day wait period plus 600 kilometers driven from the date of purchase. During the wait period, one of our authorized vehicle inspection technicians will schedule a time to inspect the covered vehicle to ensure the car is in perfect working condition when coverage begins.
Requesting a repair
Call the repair request hotline (provided on the VRC document) to report a repair incident
If the vehicle is immobile and cannot move independently from its current location, we will arrange (where roadside recovery option is purchased) for a tow truck to move the car to one of our authorized repair workshops. If it is possible to safely drive the vehicle, then we will direct you to drive your car to one of our authorized repair shops. Repair request decisions will be made within 1 to 8 working hours of receiving the incident report from you.
Completing repairs
Step 1: Diagnosis and repairs
Once the repair shop diagnoses the fault, and it is determined that the reported problem is a covered repair, we take over the repair process by working very quickly to deliver the necessary replacement parts to the mechanic and pay the mechanic the labor charge for the repairs/replacements. The customer does not negotiate with or pay the mechanic anything. If a replacement vehicle option was purchased with the VRC, we will provide the customer with an acceptable means of transportation to and from work for a maximum of 6 working days during any repair incident.
Step 2: Pay deductible
Prior to starting repairs, we will invoice the customer for the pre-agreed deductible. The deductible needs to be paid before repairs can commence. Depending on the product bundle purchased, the deductible will be N12,500, N18,750 or N25,000.
