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Terms of Use

1. About this portal

This portal is owned and operated by Oakhurst Insurance Company Limited, a licensed and authorised financial services provider (FSP39925) and any reference made to “”, “us”, “we” or “our” in this document refers to Oakhurst Insurance Company Limited. operates under the domain name “” (“ Portal”). Your use of the services, information, text, graphics, materials and other content on the Portal (“Material on this Portal”) is governed by these Terms of Use and the associated Security and Privacy Statement. By using this portal you agree to be bound by these Terms of Use. In addition to the Terms of Use contained in this document, other terms of use or conditions may apply to your use of this Portal, parts of this Portal, or to products and services offered via this Portal. You will be bound by these additional terms, as applicable.

2. Links to other websites

  • The Portal may contain links to websites, which are owned or operated by third parties independent of (“Third Party Websites”). does not sponsor, endorse or approve of the operators of Third Party Websites, or material (including services, information, graphics, or data) which is located on such Third Party Websites (“Third Party Material”).
  • The Portal may contain or link to information about special offers, deals or promotions by persons not related to or part of (“Third Party Offers”). does not sponsor, endorse, or approve of any Third Party Offers, or Third Party material associated with these offers.
  • Subject to any applicable law which cannot be excluded, makes no warranties or representations:
    • regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material, or products or services available through Third Party Websites; or
    • that Third Party Material does not infringe the intellectual property rights of any person. is not authorising the reproduction of Third Party Material by linking Material on this Portal to Third Party Material.
  • When following a link on the Portal, material at a Third Party Portal may be displayed in your browser framed by Material on this Portal. This material is also Third Party Material for the purpose of these Terms of Use.

3. Privacy

Your privacy and security is very important to We collect certain information, which include personal information and payment information, from you and it’s used by the Portal in order to provide insurance quotations, insurance cover and other online services. The Portal will record and track the use you make of this portal. The use of this data is subject to our Privacy Policy. Please read our Privacy Policy in full.

4. Consent

  • By submitting your personal information for purposes of a quote to be generated, you specifically consent to the collection, collation, processing or disclosure of any of your personal information submitted in such a way for the purpose of generating a quote and possibly entering into an insurance contract with you.
  • You furthermore agree that all the personal information provided by you is necessary for the purpose of providing a quote.
  • You hereby give permission to to disclose your personal information to companies within our own group of companies for research, market analyses and marketing purposes.

5. product information and insurance purchase and renewal

  • Portal content
  • The Portal contains both information of a general nature about and’s products and services, and also enables you to purchase and pay for insurance products and services online.
  • Completing transactions on the Portal
    • When entering into a transaction via the Portal, whether it be the issuance of an insurance contract, until an “Electronic Instruction” (being any electronic instruction, information, message, request or communication issued or transmitted to via the Portal) containing the acceptance from you to’s offer, or the confirmation of payment from you, whichever is applicable, has been received and processed by, and any specific steps or requirements as set out in this clause 4, have been complied with.
    • You acknowledge that the transmission of your acceptance or the confirmation of any payment, made through an Electronic Instruction may not be received by in accordance with this clause 4 for reasons beyond either parties’ reasonable control including, but not limited to, mechanical, software, computer, telecommunications, or electronic failure, or the omission or failure of third party service providers or systems. You further acknowledge that, to the extent permitted by law, is not liable to you in any way for any loss or damage at all and however caused, arising directly or indirectly in connection with the transmission of an Electronic Instruction through the Portal, or any failure to receive an Electronic Instruction for whatever reason.
  • Purchasing insurance policies
    • Where the Portal enables you to purchase insurance products or services online:
      • The parties may enter into an insurance policy using the Portal by making an electronic offer via the Portal and you electronically communicating your acceptance of that offer via the Portal to;
      • may act on and process all completed Electronic Instructions transmitted or issued through the Portal without further consent from or reference to you; and
      • may treat an Electronic Instruction as authentic and is under no obligation to investigate the authenticity or authority of persons issuing or transmitting such Electronic Instructions, or to verify the accuracy and completeness of such Electronic Instructions.
    • Creating a binding insurance contract with via the Portal is a two-step process:
      • The first step is to create a quick quote for the insurance product you are interested in and have selected. Upon completion by you of all required details, the Portal will provide you with a quick quote. A quick quote can be saved and will remain valid and accessible on the Portal for up to 7 days; and
      • If you wish to take out insurance in accordance with a quick quote provided to you by via the Portal, then, upon successful completion by you of all additional required details, step two enables you to accept that quick quote and create a binding insurance agreement with a corresponding policy number.
    • When entering into a contract via the Portal, you will be taken to have communicated your acceptance to an offer of insurance from only when:
      • the Electronic Instruction containing the acceptance from you enters and is recorded in the main database;
      • a record is created and stored in the database;
      • a policy number is generated by the database; and
      • receives all required details of a current and valid bank account which you are authorised to use, which is of a type accepted by, and to which is able to charge a premium.
    • A binding insurance contract is conditional on being able to successfully charge against your nominated bank account and receiving timeous payment of your applicable premium by way of debit order from your bank account.
    • Where a transaction is entered into between and you via the Portal, a policy number will be issued by via the Portal. However, a binding insurance agreement is not conditional on the issuance or receipt by you of a policy number. Therefore, the failure by you to receive a policy number via the Portal does not invalidate or otherwise prejudice the existence of an insurance contract or transaction entered into using the Portal.
    • may or may not issue a paper confirmation of the insurance policy. The existence of a binding contract is not conditional on issuing, or you receiving, a paper confirmation of the transaction.
    • You are responsible for ensuring that you receive a policy number and should contact if one is not received within 24 hours.
    • Where you only complete a quick quote on the Portal a binding insurance agreement is not created. A binding insurance agreement will only be created once receives your full premium payment by debit order on the portal, upon receipt of which you will be covered.
    • The insurance policy will endure for a period of one month and is subject to your renewal thereof for further periods of one month each by paying the premium.
  • Renewal payments
    • The Portal only offers an online facility for renewal payment with selected bank accounts.
    • The policy renewal notice will indicate how online renewal payment can be made.
    • Online renewal payment can be made by following the “Pay your renewal” link on the Portal.
  • When making a payment for a policy renewal via the Portal, you will be taken to have renewed that policy only when:
    • the Electronic Instruction containing the policy number, premium amount due and banking account details, and an instruction from you to renew the policy, enters and is recorded in the relevant payment database;
    • receives all required details of a current and valid bank account which you are authorised to use, which is of a bank account type accepted by, and to which is able to charge the renewal premium;
    • a record is created and stored in the payment database;
    • a receipt number is generated by the payment system; and
    • the main database is updated with information from the payment database.
  • A binding insurance contract is conditional on being able to successfully charge against your nominated bank account and receiving payment for all applicable renewal amounts due for the policy (or policies) being renewed.
  •, at its discretion, may or may not issue a confirmation of the renewal payment. The existence of a valid payment is not conditional on issuing, or you receiving, a paper confirmation of the transaction.
  • Cancelling of insurance contract: You may at any time cancel the insurance policy and claim back any pro rata premium already paid for the month in which you cancel the policy.

6. Payments

  • All payments for any insurance products or other services purchased via the Portal must be paid in full by clear funds by the due date specified in the relevant confirmation.
  • Unless provided for otherwise, all payments referred to in (1) above are to be made by selected bank accounts. You must therefore provide to details of your current and valid bank account, including:
    • bank account type;
    • name of bank;
    • bank branch;
    • branch number;
    • bank account number; and
    • account holder’s name

7. Valuation tools, calculators, games and other features

  • The Portal may contain or make available various tools, calculation devices, software programs, games or other features which assist you in calculating the optimal insurance policy, premium, or level of excess for you. The Portal may also contain other useful information.
  • Whilst has undertaken reasonable steps to ensure that any such features or information as described in (1) above are accurate and free from defect, does not warrant the accuracy, adequacy, correctness or completeness of these features, which are provided on an “as is” basis. The use by you of any of these features or any information provided is entirely at your own risk.

The monetary figures used by these features in any calculations are estimates only and do not take account of your particular circumstances.

8.’s standard terms and conditions apply

All applications for insurance or other products made via this Portal are subject to and must comply with’s normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested. Full terms and conditions are contained within’s policy documents (which include a policy schedule or certificate of insurance, policy wording and Disclosure Statement and Important Information about Us). These can be at any time accessed on the Portal.

9. Warranties

Whilst reasonable steps have been undertaken to ensure that information is free from error, does not warrant the accuracy, adequacy or completeness of Material on this Portal. All information is subject to change without notice. does not guarantee that the Portal or Third Party Websites will be free from viruses, or that access to the Portal or Third Party Websites will function as intended or be uninterrupted. All terms implied by law, except those that cannot be lawfully excluded, are excluded.

10. Limitation of Liability

Subject to any responsibilities implied by law and which cannot be excluded,, and its directors, employees, agents and contractors, are not liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever, whether direct, indirect or consequential, arising out of or referable to Material on this Portal, to Third Party Material, third party services, or to access of the Portal by you, howsoever caused, whether in contract, delict, statute or otherwise.

11. Indemnity

You indemnify in respect of any liability incurred by for any loss or damage, howsoever caused, suffered by as a result of your breach of these Portal Terms of Use, or your use of the Portal.

12. No financial or investment advice

The Portal does not purport to provide you with financial or investment advice of any kind. The information available via the Portal does not take account of your particular financial or insurance position or requirements. suggests that you seek independent advice before acting upon Material on this Portal or Third Party Material.

13. Availability of the Portal

  • As electronic services are subject to interruption or breakdown, access to the Portal is offered on an “as is” and “as available” basis only.
  • may impose limits or restrictions on the use you may make of the Portal. Further, for security, technical, maintenance, legal or regulatory reasons, or due to any breach of these Terms of Use, may withdraw the Portal at any time and without notice to you.

14. Use of the Portal

The information and material contained in this Portal is provided solely for bona fide personal or commercial customers only. By accessing, viewing or otherwise using this Portal, you agree to abide by the terms and conditions of use contained in this clause and clause 14.

You agree that you will not (either yourself or through any third party):

  • use any robot, spider, screen scraper, data aggregation tool or other automatic device or process (“Automated Process”) to process, monitor, copy or extract any web pages on the Portal, or any of the information, content or data contained within or accessible through the Portal, without’s prior written permission;
  • use any Automated Process to aggregate or combine information, content or data contained within or accessible through the Portal with information, content or data accessible via or sourced from any third party;
  • use any information on or accessed through the Portal for any commercial purpose (including but not limited to market research, the provision of pricing estimates or ‘shadow shopping’) or otherwise (either directly or indirectly) for profit or gain;
  • use any device, software, process or routine to interfere or attempt to interfere with the proper working of the Portal or any transaction or process being conducted on or through it;
  • take any action that imposes an unreasonable or disproportionately large load on the infrastructure of or bandwidth connecting to the Portal;
  • reverse engineer, reverse assemble, decompile, or otherwise attempt to discover source code or other arithmetical formula or processes in respect of the software underlying the infrastructure and processes associated with the Portal; or
  • copy, reproduce, alter, modify, create derivative works, or publicly display, any part of any content from the Portal without‘s prior written permission.

15. No use of Portal for unrelated persons

You must only use the Portal to:

  • obtain insurance quotes;
  • obtain other information relating to the price of insurance cover from; or
  • conduct insurance related transactions (including using any self-service function to manage your insurance policy) or queries, in respect of insurance cover for you or a member of your immediate family (with their prior consent) or for a commercial enterprise for which you seek bona fide insurance cover.

You agree not to otherwise use the Portal to obtain insurance quotes, or to obtain other information relating to the price of insurance cover from or conduct insurance-related transactions or queries.

You also agree to indemnify in respect of any liability incurred by for any loss, cost damage or expense, howsoever caused, suffered by as a result of your breach of this clause 14.

16. Third party providers

Parts of this Portal, or the provision of payment processing or other services offered via this Portal, may be outsourced to third party providers. These Terms of Use apply to any outsourced services, unless you are otherwise notified of any alternate terms of use.

17. Copyright and Trademarks

  • Copyright in the Material on this Portal is owned or licensed by and/or its affiliates or associate companies.
  • Except where necessary for and incidental to viewing the Material on this Portal via your web browser, or as permitted under the Copyright Act (Act no. 98 of 1978) or other applicable laws, no Material on this Portal may be reproduced, stored in an electronic or other retrieval system, adapted, uploaded to a third party location, framed, performed in public or transmitted in any form by any process whatsoever without the specific written consent of
  • ‘’ and the logo are both registered trademarks of Pty Ltd. Third Party trademarks are trademarks of the respective third parties.

18. Termination

These Terms of Use and your access to the Portal may be terminated at any time by either party without notice to the other. However, all restrictions, licences granted by you, and all disclaimers and exclusions of and limitations on liability of, will survive any termination. Upon termination, you must not directly or indirectly access or use the Portal or any Material on this Portal.

19. Acceptance and changes to Terms of Use

  • You acknowledge and accept that your use of the Portal indicates your acceptance of these Terms of Use and the Security and Privacy Statement.
  • These are the current Terms of Use. They replace any other terms of use for the Portal published on the Portal to date. may at any time vary the Terms of Use for security, legal or regulatory reasons, or to reflect updates or changes to the services or functionality of the Portal, by publishing the varied Terms of Use on the Portal. will indicate on the Portal that these terms of use have changed, however, is under no obligation to specifically contact or notify you of any variation to these Terms of Use. You accept that by doing this, has provided you with sufficient notice of the variation. By your use of the Portal after any variation, you are taken to have accepted the new Terms of Use.

20. General

  • We only offer and provide insurance within South Africa.
  • The law applicable to the Portal and to disputes arising out of the Portal is the law of the Republic of South Africa.
  • Should any clause or part thereof of these Terms of Use be found to be void, unenforceable or invalid, then it is severed from this agreement, leaving the remainder in full force and effect, provided that the severance has not altered the basic nature of this agreement.

21. Linking to

Linking to the Portal is only permitted when authorised in writing by Please contact if you would like to link to any part of the Portal.

22. Grant of Licence grants you the right to use the software accessed by this portal, for the purposes of providing you with’s insurance products and services. You may not sell, licence or distribute this software. A licence fee is included in the premium charges, entitling you to use the software for the period of your policy.

23. Disclosure

In accordance with the Electronic Communications and Transactions Act (“ECTA”) we make the following information available to you as a result of any agreement entered into and between us which constitutes an electronic transaction as defined in ECTA:

Name: a product of Oakhurst Insurance Company Limited

Registration number: 2006/000723/06

VAT Registration Number: 4120254349

FSP Number: 39925

Regulated by: Financial Services Board

Physical Address: Hurteria Building, 127A York Street, George, 6529

Telephone number: 0861 001 041


E-mail address:

We accept all legal proceedings and legal documents at the following address:

Oakhurst Insurance Company Limited

127A York Street



Western Cape, South Africa

These Portal terms and conditions were last amended on 02/06/2014