NO BLUFF, just value

1. OVERVIEW OF THE PROMOTION:

Value Insure offers R500 to any individual who:

• Is not an existing Value Insure client;
• Completes a personal home insurance or personal car insurance quotation with Value Insure during the promotional period from 1 January 2026 to the end of the promotion; and
• Value Insure cannot provide a quotation less expensive than what you are currently paying, on a like-for-like* basis (A like-for-like* quote is defined as the insurance quote being compared must match all material terms and coverage criteria of the customer’s existing policy. This includes, but is not limited to: the type of cover (e.g., comprehensive, third-party), sum insured, excess amounts, policy add-ons or endorsements, and any relevant conditions or exclusions. Only when the Value Insure quote cannot provide equivalent coverage on these criteria will the R500 guarantee apply.) 
• You’ve asked for your R500, received the link to submit your information and submitted the required information via our website within 30 days of Value Insure sending you the final quote via e-mail.
• Not employed by Value Insure and group holding company.

2. ELIGIBILTY EXCLUSIONS:

The following individuals are not eligible for this promotion:

• Existing Value Insure clients.
• Any person requesting a commercial insurance quote of any kind.
• Any person who has received a payment from this or any other Value Insure promotion within the past 24 months.
• Any person deemed an unacceptable risk in accordance with Value Insure’s underwriting criteria.

3. REQUIREMENTS TO QUALIFY:

To qualify for the promotional payment, you must:

1. Obtain a personal car insurance quote or a personal home insurance quote from Value Insure for a vehicle/home currently insured with a registered insurance provider operating in South Africa.
2. If the Value Insure premium reflected on the final quote is higher on a like-for-like* basis than the client’s current active insurance policy, the client must have submitted all required supporting documentation upfront to enable Value Insure to assess and attempt to beat the existing quotation. The current insurance schedule submitted for comparison purposes must be no older than 30 (thirty) days at the time of submission. Where Value Insure is unable to beat the existing quotation, the client will be required to upload valid banking details within 30 (thirty) days of receipt of the final quote from Value Insure via email in order to qualify for the R500 payout.
3. Provide a recent schedule from your existing insurer confirming:
   • The policy has been active for at least 30 days prior to the Value Insure quote; and
   • The schedule is no older than 30 days.

4. ADDITIONAL CONDITIONS:

• This promotion applies exclusively to Value Insure personal car and/or household insurance products.
• Your existing policy must have been active for 30 consecutive days prior to the Value Insure quote.
• No claims may have been submitted under your existing personal car insurance policy or home insurance policy within 12 months before receiving the Value Insure quote.
• Where multiple vehicles are quoted, the comparison will be based on the total premium you currently pay, inclusive of all fees, policy costs, and broker commissions.
• You must have access to email and the Internet.
• Only one payment will be made per person, regardless of how many separate quotes are completed. The promotion can only be claimed by the insurance policy holder who has requested to compare his/her quotes and is named on the car or home insurance policy being compared.
• Separate payments to different members of the same household are permitted, provided all promotional conditions are met, and the recipient has a financial interest in the insured vehicle or insured home. (i.e., is the registered owner).

5. VERIFICATION PRIOR TO PAYMENT:

Before issuing any payment, Value Insure will conduct a like-for-like* comparison between:

• The final Value Insure personal car and home insurance quotation; and
• Your existing personal car or home insurance cover.

The comparison will include, but is not limited to:

• Claim excess amounts;
• Key underwriting details (e.g., vehicle make/model, accident history, regular driver);
• Total premium payable;
• Sum insured, including accessories and sound equipment;
• Additional benefits (e.g., car hire, scratch-and-dent cover).

You will only qualify for the promotional payment if:

• You do not accept any of the cover types quoted by Value Insure (e.g., Contents, Excess Cover); and
• The Value Insure premium is confirmed to be higher than your current personal car insurance premium or home insurance premium on a like-for-like* basis.

6. GENERAL:

This promotion is offered for a limited period only. Value Insure reserves the right to amend, suspend, or terminate the promotion at any time at their sole discretion.

All payments will be made at the end of the following month after your current insurance premium has been confirmed to be lower than the final Value Insure quotation.

Definitions:

Like-for-like: A like-for-like* quote is defined as the insurance quote being compared must match all material terms and coverage criteria of the customer’s existing policy. This includes, but is not limited to: the type of cover (e.g., comprehensive, third-party), sum insured, excess amounts, policy add-ons or endorsements, and any relevant conditions or exclusions. Only when the Value Insure quote cannot provide equivalent coverage on these criteria will the R500 guarantee apply.