At SMG we understand that purchasing a motor vehicle involves more than merely selecting the vehicle of your choice. It’s also about the ownership experience and ensuring the longevity of one of your most prized possessions. That’s why we’ve developed the SMG Dynamic Motion product range aimed at providing you with a host of superior value added products.

Speak to one of our trained Finance & Insurance Managers who will gladly assist you in selecting the products that best suit your needs.

In life, nothing is certain. This is especially true in the event of a mechanical breakdown, as it can happen at any time and usually when you least expect it. Coupled with this is usually the hassle of having to pay for call out fees and towing costs associated with the breakdown.

With the innovative range of SMG warranty products, you can travel across South Africa knowing that you won’t be caught off guard (or out of pocket) with a mechanical breakdown. In addition to providing cover for vehicles of various ages and mileage, all SMG warranties provide 24hr Roadside Assistance, ER24, Locomute which offers a courtesy car service when your vehicle goes in for repairs and RoadCover benefits. The table outlines the various product options available according to your vehicles age and current recorded kilometres.

The SMG Power-Up Warranty provides additional cover for the gap between your major warranty claim amount, and the amount listed in the ‘Claims Limits’ section of your underlying mechanical warranty. The product also provides limited cover for components that are specifically excluded from your underlying warranty.

The SMG Power-Up Warranty enables you to get, as close to, comprehensive, cover for mechanical breakdown failures, when your vehicle is no longer covered by the original manufacturer factory warranty. The table outlines the product options available. It is your choice to select the product best suited to your specific vehicle and needs.

At SMG we understand that as a Taxi owner, downtime means a loss of income. This is why we’ve developed the SMG Taxi Warranty which is aimed at ensuring that your Taxi is on the road earning money.

The SMG Taxi Warranty is designed to provide cover for Taxis of various ages and mileage and incorporates 24hr Roadside Assistance, and RoadCover benefits. The table outlines the various product options available.

Keeping your vehicle in an immaculate condition is part of the ownership experience. At SMG we’re committed to ensuring that your vehicle is maintained to the best standards, which is why we offer the SMG Maintenance Plan.

The SMG Maintenance Plan provides cover for routine, scheduled services as well as specified wear and tearparts and labour costs.

Enjoy owning a vehicle, but frustrated at the
thought of the servicing costs? With the SMG Service Plan you can rest assured that all your future routine services, as prescribed by the manufacturer, will be taken care of and that you will not be impacted, or left out of pocket, by increasing labour and parts costs.
Service Plans take care of regular service intervals. But what about those standard wear and tear items that are not covered? Keeping these in good working condition is just as important as servicing your vehicle at regular intervals.

The SMG Power-Up Service Plan takes care of these wear and tear items – brake pads, brake discs, wiper blades and batteries – as part of your regular service schedule. The table outlines the options available. Select the product best suited to your specific vehicle and needs.

At SMG we are committed to assisting you in keeping your car in tip top shape. We know you love your car and that it is frustrating when it is damaged by hailstones, stone chips or even trolley dents.

Added to this, is the frustration of having to deal with scratches and scuffs to the interior of your car which is equally as costly to repair and signifi cantly detracts from the resale value of your car. With the SMG Scratch & Dent Policy, you can rest assured that the exterior and interior of your vehicle will be covered.

Potholes, road debris and cracks are just some of the daily hazards we face whilst driving. No matter how careful or vigilant you are, you can’t completely avoid the risk of tyre damage.

Adding to the frustration of a damaged tyre or rim is the inconvenience and often costly exercise of having them replaced or repaired. The SMG Tyre & Rim Warranty provides cover for your vehicle tyres and rims for 2 years and without any kilometre restriction – giving you the peace of mind in knowing that you won’t be out of pocket when your tyres or rims are damaged. There are two cover options available. Select the relevant level of cover best suited to your needs.

The SMG Credit Protection Policy provides you peace of mind knowing that your family won’t be left struggling with debt that they can’t pay in the event of your death, disability or retrenchment.
There is no worse feeling in the world than being left with a financial shortfall after your vehicle was stolen or involved in an accident. Even with the best comprehensive insurance cover in place, you may still be liable for some outstanding amounts.
Unfortunately, the unforeseen happens and sometimes we are not prepared for the financial burden that goes along with these situations.

SMG can offer you an Instalment Protector policy that will provide you with financial assistance to continue with your monthly payments towards your credit agreement in the event of your vehicle being written off, hi-jacked or stolen and not recovered. The monthly payment will be equal to your vehicle instalment, but is limited to R15 000 per month for a maximum of 3 months.

An accident or theft involving your vehicle will nearly always result in some form of financial loss. Even when your vehicle is comprehensively insured, the difference between the original purchase price and the current market value can be substantial. This difference could mean a significant financial loss to you personally.
A breakdown or accident can be a traumatic and frustrating experience. SMG is committed to keeping you safe during a roadside emergency, providing round-the-clock contact centres where trained operators are on standby to assist in your time of need.

Through an extensive network of recovery and repair businesses, you are assured to get the best help as quickly as possible.

Buying a new car is an exciting time in anyone’s life. South African’s treasure their cars and often make them part of the family. This is why it is important to have the right cover in place to protect your prized asset in case the unimagineable happens.

To assist you in this regard, SMG has appointed InsuranceSupermarket. With one call you will get a range of competitive quotes from major insurers, covering your vehicle against theft, hijacking and the cost of accident repairs.

Important Information

This brochure is only a guide.

Before you purchase a policy, reference must be made to the actual Policy Wording so that you can read and fully understand the terms and conditions of the product that you are purchasing. To obtain a copy of the Policy Wording speak to a SMG Finance and Insurance Manager

All SMG Products are underwritten by Guardrisk Insurance Company Limited, FSP License No 75 and Administered by Innovation FSP (Pty) Ltd, FSP Licence No. 21468. IDA is the Financial Service Provider for all SMG Short Term Insurance Products, FSP License No. 28260. Comprehensive insurance quotes are provided by Insurance Supermarket, an authorised Financial Service Provider, FSP Licence No 43986.