Motor insurance is designed to cover major losses, but unexpected costs, vehicle downtime, and roadside emergencies can still create disruption and financial strain.
Excess Risk Consultants’ Motor Add-On Products are designed to complement your existing insurance cover by providing additional protection, practical assistance, and greater peace of mind when you need it most.
An accident, theft, tyre failure, mechanical breakdown, or vehicle downtime can impact far more than your vehicle.
Our range of value-added motor solutions helps reduce inconvenience, minimise unexpected expenses, and keep you moving when circumstances are beyond your control.
Our Motor Add-On Solutions
Windscreen Comprehensive Cover
Provides cover for the repair or replacement of a damaged windscreen on your insured vehicle.
Key Benefits:
- Cover for windscreen repair or replacement
- Suitable for personal and commercial vehicles
- Helps avoid unexpected windscreen replacement costs
- Additional protection beyond standard excess cover
Commercial Roadside Assist
24/7 roadside assistance and accident management support designed for personal and commercial vehicles.
Key Benefits:
- Accident management and towing assistance
- Mechanical and electrical breakdown towing
- Flat tyre assistance
- Flat battery assistance
- Locksmith assistance
- Recovery and winching support
- Goods in Transit recovery management
- Hijacking management support
Loss of Use Cover
Provides financial support when an insured commercial vehicle is unavailable following an insured event.
Key Benefits:
- Helps offset financial losses caused by vehicle downtime
- Supports business continuity
- Available for commercial vehicles, fleets, buses, trailers, and transport operators
- Additional protection following accident, theft, or total loss events
Cross Border Towing & Recovery
Assistance for insured vehicles involved in accidents outside South Africa's borders.
Key Benefits:
- Repatriation support following insured accidents
- Helps manage recovery and towing costs
- Suitable for businesses operating across borders
- Additional peace of mind for regional transport operations
Tyre Cover
Protection against accidental tyre damage caused by punctures, cuts, bursts, and sudden braking incidents.
Key Benefits:
- Cover for tyre repair or replacement
- Helps reduce unexpected tyre-related expenses
- Includes balancing costs
- Suitable for private vehicles, LDVs, and qualifying commercial vehicles
Total Loss Protector
Protect your vehicle's value against depreciation following a total loss. The Total Loss Protector helps bridge the gap between your vehicle's value at the start of your policy and its retail value at the time of a total loss claim, providing additional financial protection when it's needed most.
Key Benefits:
- Helps protect against vehicle value depreciation following a total loss
- Available for both financed and non-financed vehicles
- Suitable for vehicles up to 25 years old
- Complements your existing comprehensive motor insurance policy
- Provides increasing value as your vehicle depreciates over time
Car Hire
Provides access to a replacement vehicle when your insured vehicle is unavailable following an insured event.
Key Benefits:
- Replacement vehicle following accident, theft, or hijacking
- Optional mechanical breakdown and service-related benefits
- Helps minimise disruption to daily operations
- Available for personal and commercial vehicle owners
Our Motor Add-On Products are designed to provide more than insurance support. They help reduce disruption, improve convenience, and provide practical assistance when life's unexpected events occur.
Whether you're managing a personal vehicle, a fleet, or a transport operation, ERC offers additional protection to help keep you on the road.
Not every vehicle owner faces the same risks. Our team can help you identify the products best suited to your needs and existing insurance cover.