Extended Warranty

exclusive for Appliance Direct customers

Appliance Direct are offering an extended Manufacturers Warranty of an additional 1 YEAR WARRANTY on selected products FREE of Charge


We are also including Five (5) day Accidental Damage Cover for Damage only during the installation of the appliance or electrical device.


Food Spoilage cover for the duration of the extended warranty limited to one claim per year and up to a maximum value of R500.00

Dear Customer

It is essential that you read this document and fully understand your benefits, obligations and details of what is covered and what is not covered. This document together with the Schedule and proposal forms the basis of the contract that you have entered into and it is your responsibility to ensure that you are aware of the contents of your Policy.

This policy is underwritten by Mutual & Federal Risk Financing Limited (MFRF) a registered short term insurer and authorised financial services provider and is administered by Onevap (Pty)Ltd is an Authorised Financial Service Provider… FSP 48282 and makes this policy a joint venture and does so in the terms and conditions stipulated in the disclosures.

1.                   The product is intended to:

To provide you, the customer with an extended Appliance Warranty after your appliance manufacturers warranty expires, please refer to your manufacturer’s appliance warranty schedule term and conditions. The extended appliance warranty covers repairs by manufacturer accredited repairers or if the appliance is uneconomically to repair we will replace your appliance to the same make and model as the original appliance listed on the Proof of purchase.

A Warranty is intended to provide the customer with “peace of mind” that the product purchased is free from defect and in the event of product failure, repairs of the product or component takes place easily and at no cost to the customer.

2.                   Our additional unique offering now includes

Five (5) day Accidental Damage Cover for Damage only during the installation of the appliance or electrical device.

Food Spoilage cover for the duration of the extended warranty limited to one claim per year and up to a maximum value of R500.00

This policy is subject to various terms, conditions and exclusions which appear elsewhere in this document.  Please read them carefully.

This policy is subject to various terms, conditions and exclusions which appear elsewhere in this document.  Please read them carefully.

Below are the contact details should you require any assistance.

                  Claims Centre:                   0861 446 316                            

Claims email address:        claims@onevap.co.za

Please take note that the Claims Centre is open from Monday to Friday between 08H00 and 17H00.

Postal Address:       PO Box 76042

                                             Lynwood Ridge



Physical Address     Boardwalk Office Park

Block 9, unit 3

107 Haymeadow Street

Faerie Glen


3.                   Insurer Details

Mutual & Federal Risk Financing Limited (hereinafter referred to as “MFRF”) underwrites the benefits of the Onevap Extended Appliance Warranty, (hereinafter referred to as your “Policy”). The Administrator, Onevap (Pty) Ltd (hereinafter referred to as “Onevap”) is an Authorised Financial Service Provider… FSP 48282.

Your Policy conforms to the requirements of the Short-Term Insurance Act 53 of 1998 (as amended) and in no way detracts from your common law rights.

Upon receipt of a fully completed proposal form and the required premium, MFRF will provide cover in terms of this policy MFRF however, reserves the right to decline this insurance, which will be done within 30 days of your Policy purchase date. In the event of such a refusal, a full refund of the premium will be made.

The initial period of insurance is the period from when the manufacturer’s appliance warranty expires based on the warranty schedule and proof of purchase. The extended appliance warranty inception thereafter for a period of twelve (12) months.


This section provides you with information pertaining to the definitions involved in your Policy:

“Insurer”: refers to Mutual & Federal Risk Financing Limited Reg. No. 1966/010741/06

“Administrator”: refers to Onevap (Pty) Ltd. Registration No. 2015/314812/07 is an Authorised Financial Service Provider… FSP 48282 who complies with the Financial Advisory and Intermediary Services Act 37 of 2002.

“You/your”: refers to the person whose name and address appears on the proposal form, the original Proof of purchase from the retail store.

“Insured”: refers to the owner of the appliance at the time of purchase of your Policy.

“Period of Insurance”: refers to the period of Insurance after the manufacturer’s warranty has expired as stated in the Application Form and Registration Schedule.

“Appliances”: refers to the covered appliances or electronic device listed on your policy schedule or proof of payment.

“Repairing Dealer”: refers to an Authorised Repairing Dealer that conforms to the strict requirements of the Administrator’s quality control panel.

“Date of Loss”: refers to the date upon which the Insured Event occurs, which date must fall within the Period of Insurance.

“Maximum Claim Value” refers to the Maximum amount that the extended warranty will cover, will be limited to the original proof of purchase listed price for the specific appliance or electronic device

 “Premium” means the amount payable by you as stated in the Policy Schedule or any endorsement issued in terms of this policy.





4.                   General Terms and Conditions

4.1.                These terms and conditions shall also incorporate, as express terms and conditions, all the contents of your Policy document, which you will be deemed to have read.

4.2.                It is expressly agreed and declared that the Administrator, acting on behalf of the Insurer, will be released from all liability and obligations under your Policy if the terms and conditions of your Policy are not fully complied with.


5.                   Cover provided by this policy

5.1.                We will provide cover as described in this policy wording, provided we have received the premium due and You have complied with the terms and conditions of the policy.

6.                   Payment of premium

6.1.                All premiums are payable in advance.

6.2.                All amounts stated in this Policy are expressed inclusive of VAT at 15 %. For clarity it is noted that in cases where the excess/deductible is expressly recovered by the Insurer from the Insured the excess/deductible in terms of the policy so recovered does not constitute a consideration as defined in the VAT Act and as such has no VAT consequence.

7.                   Cancellation

7.1.                You may cancel this policy or any section at any time.

7.2.                We may cancel this policy, any section, or part of it by giving you 30 days written notice of the cancellation at your postal address or email address as shown on the Schedule. It is your responsibility to ensure that we are in possession of the correct details

8.                   Your rights

8.1.                You (in this paragraph meaning the names set out in the Schedule) may not cede or assign your rights or obligations to another person. No other person may make a claim against us

9.                   Claims

9.1.                Before we finalise or settle any claim, we may require you to sign an agreement of loss.

9.2.                There will be no premium refund if the maximum insured amount or limit of compensation is settled for any claim. If we compensate you for a claim for the maximum insured amount or limit of compensation payable for an event or item, we will not refund any premium for the remainder of the period of your insurance for that event or item.

10.                 Claim procedure

10.1.             You must tell us as soon as possible, but within 30 days, of any event that may result in a claim, and advise us of any other policy which may cover the same event.

10.2.             You must give us full details of the event within 30 days after it has occurred, as well as all documents which we may reasonably require.

10.3.             Information required when reporting a claim

10.3.1.         Policy number or serial number of you appliance or your electronic device;

10.3.2.         Original Proof of purchase of your appliance or electronical device

10.3.3.         Address where incident occurred;

11.                 Fraudulent or wilful acts

You will lose all rights to claim under this policy if:

11.1.             a claim or any part thereof is fraudulent or if you or anyone acting on your behalf uses any fraudulent means to obtain any benefit under this policy; or

11.2.             a claim occurs due to a deliberate, or wilful, or intentional act committed by You or with  your involvement or anyone acting on your behalf; or

11.3.             information or documents in support of a claim , whether created by you or on your behalf, is not true, is not complete or is fraudulent; or

12.                 Time limits

12.1.             If we reject your claim or dispute the amount of your claim, which decision was communicated to you in writing, you may within 90 days from the date of our communication make written representation to us.

12.2.             If we still reject your claim or dispute the amount of your claim despite Your written representation, you may institute legal proceedings against us within six months from the date we communicate to you the rejection of your written representation.

12.3.             We are not liable after 12 months from the date of the event that gives rise to a claim, unless the claim is:

12.3.1.         the subject of pending court action or arbitration; or

12.3.2.         for amounts for which  you may become legally liable.

13.                 Jurisdiction

13.1.             This policy is subject to the jurisdiction of the courts of the Republic of South Africa. South African law will apply.

14.                 Sharing of insurance information and your authorisation to us

14.1.             Sharing of information

To combat insurance fraud and to determine and properly evaluate risks, the South African Insurance Association (SAIA) has created a shared database for storing insurance information of policyholders.

We will store your information in the shared database to verify any underwriting information against legally recognised sources or databases.

Fighting insurance fraud will benefit you, because fraud has an enormous effect on the short-term insurance industry. It affects the evaluation and determination of risks by insurers, and it affects you directly as it leads to higher premiums.

We are serious about combating fraud and the fair evaluation of risks, because we want to keep your premium as fair and competitive as possible.

14.2.             Your right to privacy

Your right to privacy is a fundamental right that is included in The Constitution of the Republic of South Africa, 1996. This right is, however, restricted in certain circumstances. These circumstances include cases where the parties disclosing information and the parties who are privy to it have a legal interest in that information. This means that in terms of South African law, we may disclose and/or receive information if we intend using it to prevent fraud and to underwrite risks fairly.

14.3.             Your authorisation to us

You acknowledge that the sharing of information for underwriting and claims purposes is in the public interest, as it will enable insurers to underwrite policies and assess risks fairly, and to reduce the incidence of fraudulent claims. This will contribute to keeping premiums as low as possible.

On your behalf and on behalf of any person who you represent, you waive Your rights to privacy for any underwriting and Claims information for any insurance policy or claim made by you or on your behalf.

You consent to such information being stored in the shared database and used as set out above.

You consent to such information being given to any insurer or its agent.

You consent to any underwriting information being verified against and shared with legally recognised sources or databases.




(This notice does not form part of the Insurance Contract or any other document)

As a short-term insurance policyholder, or prospective policyholder, you have the right to the following information:


Company Name:

IF Administrators (Pty)Ltd

Company Registration Number:


Physical Address:

4 Acacia Road



Postal Address:

Po Box


Telephone Number:


Facsimile Number:


Email Address:




Financial Services Provider Licence Number:


Licence Categories:

Short Term insurance Personal and Commercial Lines

Details of the complaints procedure:

Department: Complaints Department



Details of the compliance department:

S Liebenberg

011-425 4603

ABOUT THE ADMINISTRATOR (Underwriting Manager)


Company Name:

Onevap (Pty)ltd

Company Registration Number:


Physical Address:

Boardwalk Office Park

Block 9, unit 3

107 Haymeadow Street

Faerie Glen


Postal Address:

Po Box 76042

Lynwood Ridge



Telephone Number:

086 111 6037

Facsimile Number:


Email Address:




Financial Services Provider Licence Number:


Licence Categories:

Short Term insurance Personal and Commercial Lines

Details of the complaints procedure:

Department: Complaints Department

Tel: 086 111 6037

Email: complaints@onevap.co.za

Details of the compliance department:

Department: Compliance Department

Tel: 012 4243400

Email: compliance@masthead.co.za

Masthead Building 6

Ground Floor

180 Garsfontein Road

Ashlea Gardens


1.        ABOUT MFRF (Product Supplier)


Company Name:

Mutual & Federal Risk Financing Limited

Company Registration Number:


Physical Address:

75 Helen Joseph Street



Postal Address:

PO Box 1120



Telephone Number:


Facsimile Number:




Financial Services Provider Licence Number:


Licence Categories:

Short Term insurance Personal and Commercial Lines

Details of the complaints procedure:

Complaints Department

P O Box 1120,



E-Mail address                                      :     complaints@ominsure.co.za

Web address                                         :     www.ominsure.co.za

Contact number                                   :     (011) 374 9111

Facsimile number                                :     (011) 374 3089

Details of the legal compliance

E-Mail Address                                      :     compliance@ominsure.co.za




1.   How to institute a claim

In the event of a claim, you must notify your broker as soon as possible, but within the time limitation stated in the policy wording. You will be required to complete the claim form which will be emailed or faxed to you and any information and proof in support of the claim as specified on the claim form.

2.   Premium and your monetary obligations

The amount of premium due is contained on the Schedule of Insurance. In all instances premium must be paid before cover is affected.

2.1.    Warning DO NOT sign any blank or partially completed application form.

2.2.   Complete all forms in ink.

2.3.   Keep all documents handed to you.

2.4.   Make a note as to what is said to you.

2.5.   Don’t be pressurised to buy the product.

2.6.   Incorrect or non-disclosure by you of relevant facts may influence MFRF on any claims arising from your contract of insurance.

3.   Particulars of the short- term insurance ombudsman

PO Box 32334, Braamfontein, 2017

Tel: + 27 11 726 8900, Fax: + 27 11 726 5501

Email: info@osti.co.za Web: www.osti.co.za

4.   Particulars of the registrar of short- term insurance 

Financial Services Board, PO Box 35655, Menlo Park, 0102

Tel: 012 428 8000, Fax: 012 347 0221

5.   Particulars of the financial advisory and intermediary service (FAIS) ombudsman

PO Box 74571, Lynwood Ridge, 0040

Tel: + 27 12 470 9080, Fax: + 27 12 348 3447

Website: www.faisombud.co.za

E-Mail Address: info@faisombud.co.za

6.   Name, class or type of policy

Full details about the name, class and type of policy involved are reflected on your schedule of insurance and are also contained in the policy wording. Should you require any explanation about the terms, conditions, exclusions, provisions, premiums, excesses (or deductibles) or any other information, please contact your Financial Services Provider for assistance.

7.   Extent and nature of premium obligations

Your policy documents reflects the premiums payable, the due date of payment and the frequency of payment (e.g. monthly or annually). All premiums are inclusive of Value Added Tax at the prescribed rate.

Financial Services Providers are authorised to accept premium payment on behalf of Product Suppliers and should your Financial Services Provider be authorised to do so, then you may make payment to such Financial Services Provider. Where a Financial Services Provider is not authorised to receive payment on behalf of the Product Supplier, your payment should be made in favour of the Product Supplier. Should you not operate through a Financial Service Provider, then your payment should be made directly to your Product Supplier or Underwriting Management Agent (if applicable). In the case of monthly premiums by debit order, payment is usually made to the Product Supplier directly, unless you have authorised such payment via your Financial Services Provider or other third party, who has authority to collect premium on behalf of the Product Supplier.


8.   Other matter of importance

8.1.   You must be informed of any material changes to the information referred to in paragraphs 1, 2 and 3.

8.2.   If any complaint to the intermediary or insurer is not resolved to your satisfaction, you may submit your complaint to the FAIS Ombud.

8.3.   Polygraph or similar tests are not obligatory and claims may not be rejected solely on the basis of a failure of such a test.

8.4.   If your premium is paid by debit order, the debit order must be in favour of either the intermediary of the Product Supplier (insurer) and may not be transferred without your approval.

8.5.   The Product Supplier (insurer) must give you 30’ days’ notice in writing of its intention to cancel your debit order.

8.6.   The Product Supplier (insurer) and not the intermediary must give reasons in writing for the rejection of any claim submitted by you.

8.7.   The Product Supplier (insurer) must give you written notice of its intention to cancel your policy.

8.8.   You are entitled to a copy of your policy free of charge.


9.   Waiver of rights

The General Code of Conduct stipulates that no financial services provider may request or induce in any manner a client to waiver any right or benefit conferred on the client by/or in terms of any provisions of the said Code, or recognise, accept or act on any such waiver by a client. Any such waiver is null and void.

10. Conflict of interest

In terms of the FAIS Act 37 of 2002 and have not identified any actual or potential conflicts of interest, either ownership interest, financial interest, third party relationships, associates or distribution channels as defined.

A conflict of interest management policy is available to clients upon request or on our website.

11. TCF and Complaints Handling

Onevap (Pty) Ltd is now able to demonstrate our commitment to the TCF Framework in that Treating Customers Fairly is a fundamental part of our corporate culture. For this reason, TCF Champions have been appointed to spearhead the TCF Culture. Onevap has also established TCF objectives, incorporated the organisation’s values of Integrity, Respect, Reliability, Innovation, Sustainability and also developed a Customer Charter, which educates all employees and our service providers on our panel to ensure fair treatment of customers to the end that customers’ financial services needs are appropriately met through a sustainable industry at all stages of the relationship with the customer.

The handling of complaints is centralised and incorporates TCF. Any complaints relating to your Policy will be handled by the Administrator, whose complaints department can be contacted on the telephone number for customer care, as provided in your Policy document. Please note that the Administrator’s complaints policy and procedure is available on the Administrator’s website or from the Administrator by contacting the numbers listed below. The complaints handling is standardised as per statutory requirement and reported accordingly within Onevap.