The ONE Garage Policy is designed for the unique risks of the fuel-retail industry.

Target Market

  • All fuel stations and related business enterprises on the premises of fuel stations such as convenience stores, food outlets and car washes

Specialist Features

  • The cover is flexible, enabling us to design a tailor-made solution for your business

Key Benefits

  • Cover for cash in transit, credit-card fraud and personal accident assault under the money section
  • Public liability inclusive of forecourt negligence cover where employees dispense the incorrect grade of fuel into a customer’s vehicle, causing damage to the vehicle

Automatic Extensions


Automatic extensions under the fire section include

  • Fuel leakage – Limited to R100 000
  • Contamination of fuel – Limited to R100 000
  • Subsidence and Landslip – Limited to R100 000
  • Contents of fridges and freezers – Limited to R30 000
  • Shade netting – limited to R50 000
  • Blinds, signage and canopies – limited to R25 000
  • Vehicles on premises – Accumulation limit R250 000
  • Refrigerated stock – limited to R30 000
  • Fatal injury – limited to R10 500
  • Damage to gardens, landscaping and playgrounds – limited to R15 000
  • Claims preparation costs – limited to R50 000

Automatic extensions under the Business Interruption section include

  • Additional increase in cost of working – limited to R250 000
  • Customers – Unspecified
  • Suppliers – Specified
  • Prevention of Access – Extended cover
  • Public Utilities – Extended cover
  • Public Telecommunications – Extended cover
  • Accidental Damage – limited to R50 000
  • Claims preparation costs – limited to R10 000
  • Franchise and Royalties(must be part of Fixed Expenses)

Automatic extensions under the Theft section include

  • Damage to Buildings – limited to R50 000
  • Malicious Damage to contents – limited to R50 000
  • Locks and keys – limited to R2 000
  • Cost of boarding up – limited to R5 000

Automatic extensions under the Money section include

  • Clothing and personal effects – limited to R2 000
  • Locks and keys – limited to R2 000
  • Cash till limits(combined) – limited to R5 000
  • Credit card extension, includes customers absconding before payment – limited to R5 000
  • Petrol Attendants – limited to R1 000
  • Virtual Airtime – limited to R5 000
  • Bilking – limited to R5 000
  • Personal Accident Assault – limited to a Capital sum of R50 000 – maximum 5 persons)

Automatic extensions under the Broadform liability section include

  • Wrongful Arrest and defamation – limited to R100 000
  • Legal Defence costs – limited to R100 000
  • Products liability – Limited to R1 000 000
  • Forecourt Negligence – limited to R1 000 000
  • Food Poisoning – limited to R100 000
  • Fire extinguishing costs – limited to R10  000

Automatic extensions under the Electronic Equipment section include

  • Reinstatement of data – limited to R10 000
  • Increased cost of working – limited to R10 000
  • Telkom Access lines – limited to R10 000
  • Incompatibility Cover – limited to R10 000

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