Usage-Based Motor Insurance (UBMI)

Our worlds have changed in profound ways.

The less you drive, the more you save.

Our worlds have changed in profound ways, and as your trusted partner in insurance we’ve also understood the need to respond.

From April 2 2021, we have introduced a Usage-Based Motor Insurance element to our Domestic Product, in which qualifying users will be rewarded for low motor usage. Quite simply, the less you drive, the more you will be credited every quarter.

UMBI works by you uploading proof, on a monthly basis, of your vehicle usage, via your odometer readings.

How does the Discount structure work?
Based on your usage for each motor vehicle you have added to your policy, you will be entitled to the following discounts on your monthly motor premiums:

  • up to 1500km a quarter – 20% discount
  • 1500 -2250km a quarter – 15% discount
  • up to 3000km a quarter – 10% discount

How can I add this feature to my policy?

  • In order to qualify for the UBMI discount feature, you need to download and register with your broker for the NNAC Assist app, at a cost of R48/month
  • In addition to Emergency Roadside Assistance and Home Assistance services, NNAC Assist will also feature a UBMI element for you to upload vehicle and mileage information.

Is there a practical example?

  • Miss Jabavu has asked her broker to add NNAC Assist to her policy (at a cost of R48/month). She then proceed to downloaded the app onto her smartphone and completed all information for registration.
  • She now wishes to activate the UMBI discount feature. At the beginning of the first month, she uploads images of her current odometer reading and Licence Disk.
  • Each month thereafter, after ensuring she is up to date with her premiums, she also uploads images of her current odometer readings. She does this by the 5th of each month in order to qualify.
  • At the end of the quarter (3 months) her odometer readings show she has travelled 800km for the period. Her next debit run will be credited with a 20% discount for each of the three months as this is what she qualifies for.
  • In the following 3-month period, her odometer readings show that in this period she now has travelled a further 1000km. Her next discount given will be a 15% discount, for each of the preceding three months.

What happens if I am involved in an accident or write off my car during a particular quarter?

  • If you have an accident or loss that results in you claiming on your motor policy, you will not qualify for this discount feature for that quarter. You will need to be claim free for the period in order to qualify for the discount.

Our worlds have changed in profound ways, and as your trusted partner in insurance we’ve also understood the need to respond.

From April 2 2021, we have introduced a Usage-Based Motor Insurance element to our Domestic Product, in which qualifying users will be rewarded for low motor usage. Quite simply, the less you drive, the more you will be credited every quarter.

UMBI works by you uploading proof, on a monthly basis, of your vehicle usage, via your odometer readings.

How does the Discount structure work?
Based on your usage for each motor vehicle you have added to your policy, you will be entitled to the following discounts on your monthly motor premiums:

  • up to 1500km a quarter – 20% discount
  • 1500 -2250km a quarter – 15% discount
  • up to 3000km a quarter – 10% discount

How can I add this feature to my policy?

  • In order to qualify for the UBMI discount feature, you need to download and register with your broker for the NNAC Assist app, at a cost of R48/month
  • In addition to Emergency Roadside Assistance and Home Assistance services, NNAC Assist will also feature a UBMI element for you to upload vehicle and mileage information.

Is there a practical example?

  • Miss Jabavu has asked her broker to add NNAC Assist to her policy (at a cost of R48/month). She then proceed to downloaded the app onto her smartphone and completed all information for registration.
  • She now wishes to activate the UMBI discount feature. At the beginning of the first month, she uploads images of her current odometer reading and Licence Disk.
  • Each month thereafter, after ensuring she is up to date with her premiums, she also uploads images of her current odometer readings. She does this by the 5th of each month in order to qualify.
  • At the end of the quarter (3 months) her odometer readings show she has travelled 800km for the period. Her next debit run will be credited with a 20% discount for each of the three months as this is what she qualifies for.
  • In the following 3-month period, her odometer readings show that in this period she now has travelled a further 1000km. Her next discount given will be a 15% discount, for each of the preceding three months.

What happens if I am involved in an accident or write off my car during a particular quarter?

  • If you have an accident or loss that results in you claiming on your motor policy, you will not qualify for this discount feature for that quarter. You will need to be claim free for the period in order to qualify for the discount.

HOW TO DOWNLOAD THE MOBILE APP

Android, iPhone devices only:

  • Search “NNAC Assist” in your iPhone App Store or Play store
  • Scroll to the NNAC Assist App and download
  • You will be required to register and complete your details
  • Click on “Get OTP” once
  • Insert the OTP, once this has been received via SMS
  • Read through and accept the T&C’s then register
  • Go to Log in
  • Insert your mobile number and password
  • Click Login
Get it on Google Play
Download on the App Store
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