Because We Care

We've Got You Covered

Your Safety

Is Important To Us

Welcome To Added Cover

Because We Care

Every day South Africans become victims of car accidents on our dangerous roads, sustaining injuries and suffering loss as a result.
The Road Accident Fund (RAF) was introduced to provide compensation to these accident victims, but the process is an administrative nightmare, requiring significant time, effort and paperwork!
Added Cover provides immediate access to an effective RAF claims management system, with 100% of the recovery paid back to you and your family.

For the duration of the claim, you receive:

  1. Legal representation
  2. Administration and claims management
  3. Accident reconstruction
  4. Required medico-legal reports
  5. Required actuarial reports
  6. Past and future loss of earnings reports
  7. Past and future loss of support reports
    8. * Terms and conditions apply

Added Cover Provides:

  1. Relief - no queues or admin nightmares in dealing with the RAF and you receive your payout from the RAF in a fraction of the time compared to if you submitted the claim by yourself.
  2. Recoveries - You receive 100% of all payouts from the RAF with no additional costs to you.
  3. Representation - Our expert team provide full medical, legal and administrative support.

The challenges

  • In most instances, injured victims are unaware of the advantages offered by the road accident fund.
  • The system has become extremely adversarial.
  • Legal fees and disbursement costs are exorbitant.
  • 1 out of 10 claims submitted to the Road accident fund ate fraudulent, on the basis of overstated costs, leading to claim time being on average 36-48 months.
  • The new law has moved the legal fraternity away from processing claims because victims receive settlement and not attorneys
  • Pending legislation requires victims to prove seriousness of injury, to be entitled to a generaldamages claim, With the above in mind, there are no proper legal practitioners to process claims.

    • The Facts

  • R2.80 of every litre of petrol and diesel sold in South Africa goes towards the road accident fund.
  • That amount to R36 billion in yearly fuel levy awarded to the road accident fund.
  • There are currently 9.2 million vehicles on south african roads, but only 8.2 million licensed drivers.
  • As many as half have obtained their licences fraudulently, according to the department of transport.
  • Each year South Africans see an average of 950 000 accidents, which accounts for 350 000 injuries and/or fatalities.
  • Each year South Africa sees 7000 citizens permanently disabled and unable to work for the rest of their lives.

    • Our Services Include: