Terms of Service

1. About GetCovered.co.za

GetCovered.co.za is a lead-generation and information website that helps users request information, quotes, or contact from insurance providers or their authorised representatives.

We may help connect you with providers of products such as car insurance, funeral cover, health-related cover, business insurance, life insurance, education-related insurance, or other insurance and financial protection products.

Unless expressly stated otherwise, GetCovered.co.za is not an insurer, underwriter, financial adviser, broker, or authorised financial services provider. We do not issue insurance policies, approve claims, underwrite risk, provide regulated financial advice, or make final decisions on your eligibility for any insurance product.

2. No Financial Advice

The content on this website is provided for general information and lead-generation purposes only. It should not be treated as financial, legal, tax, medical, or professional advice.

Any information displayed on the website, including product descriptions, estimated pricing, benefits, features, or comparisons, is general in nature and may not take your personal circumstances, needs, affordability, or risk profile into account.

Before accepting any insurance product, you should carefully read the provider’s policy wording, quotation, disclosures, exclusions, waiting periods, premiums, terms, and conditions. You should ask the provider or its authorised representative to explain anything you do not understand.

3. Quotes and Provider Contact

When you submit a quote request or lead form, we may share the information you provide with one or more relevant insurance providers, brokers, call centres, authorised representatives, or lead-processing partners.

Submitting a form does not guarantee that:

1. you will receive a quote;
2. you will qualify for any insurance product;
3. any premium, benefit, or cover amount displayed on the website will be offered to you;
4. a provider will contact you within a particular timeframe; or
5. the final product will match any general information displayed on the website.

Any quote, offer, policy, premium, benefit, or contract is provided by the relevant insurance provider or authorised representative, not by GetCovered.co.za.

4. Your Information Must Be Accurate

You agree that any information you submit through the website must be true, accurate, current, and complete.

You must not submit false information, use another person’s details without permission, impersonate another person, or submit information for fraudulent, unlawful, or misleading purposes.

If the information you provide is incomplete or incorrect, a provider may be unable to contact you, may provide an inaccurate quote, or may decline to assist you.

5. Consent to Be Contacted

By submitting your details through the website, you consent to GetCovered.co.za, its service providers, and relevant insurance providers or authorised representatives contacting you about your quote request or related insurance products.

Contact may take place by telephone, email, SMS, WhatsApp, automated systems, or other electronic communication methods, depending on the details you provide.

You may withdraw your consent or opt out of marketing communications at any time by using the unsubscribe or opt-out method provided in the communication, by informing the person who contacts you, or by contacting us at info@getcovered.co.za.

Withdrawal of consent will not affect lawful processing that took place before your withdrawal. If your information has already been shared with a third-party provider, you may also need to contact that provider directly to opt out of its communications.

6. Personal Information and Privacy

We process personal information in accordance with our Privacy Policy, available at:

https://getcovered.co.za/privacy-policy/

The types of personal information we may process include your name, contact details, location, insurance interests, product preferences, information submitted in quote forms, technical website data, and other information required to process your enquiry.

We may use your personal information to:

1. process your quote request;
2. match you with relevant providers;
3. contact you about your enquiry;
4. send your details to providers or authorised representatives;
5. operate, improve, and secure the website;
6. measure advertising performance;
7. comply with legal and regulatory obligations; and
8. prevent fraud, abuse, or misuse of the website.

7. Advertising, Analytics, and Tracking Technologies

We use third-party advertising and analytics tools, which may include Google Ads, Meta Ads, Google Analytics, and related tracking technologies.

These tools may collect or receive information about your device, browser, website activity, pages viewed, form interactions, conversions, approximate location, and other usage data.

This information may be used to measure campaign performance, improve the website, build remarketing audiences, optimise advertising, and understand how users interact with the website.

Where required, we will request consent for cookies or tracking technologies. You can also manage cookies through your browser settings. Disabling cookies may affect some website functionality.

Your use of third-party platforms such as Google, Facebook, Instagram, or WhatsApp is also subject to those platforms’ own terms and privacy policies.

8. Third-Party Providers and Websites

The website may contain links to third-party websites, provider pages, forms, policy documents, or external resources.

We do not control third-party websites or the products and services offered by third parties. We are not responsible for third-party content, availability, security, accuracy, pricing, claims handling, underwriting decisions, policy terms, or customer service.

When you deal with a third-party provider, your relationship is with that provider. You should review that provider’s own terms, privacy policy, disclosures, and product documents before entering into any agreement.

9. Provider Products and Policy Terms

Insurance products are subject to the relevant provider’s underwriting criteria, affordability checks, exclusions, waiting periods, premium rules, policy wording, claims process, and regulatory disclosures.

GetCovered.co.za does not guarantee that any insurance product will be suitable for you. We also do not guarantee that any provider will approve your application, maintain a quoted premium, accept a claim, or continue offering a product.

Any complaint about a provider’s advice, sales process, policy, debit order, premium, cancellation, claim, or service should be directed to that provider first.

10. Fees and Compensation

Using GetCovered.co.za is generally free for users unless clearly stated otherwise.

We may receive a lead fee, referral fee, marketing fee, commission, or other commercial benefit when we refer users to insurance providers, brokers, call centres, authorised representatives, or other partners.

This commercial arrangement does not guarantee that any provider is the best, cheapest, or most suitable option for you.

11. User Responsibilities

You agree not to:

1. use the website for unlawful, fraudulent, abusive, or misleading purposes;
2. submit false, incomplete, or unauthorised information;
3. interfere with the security or operation of the website;
4. attempt to access systems, data, or accounts without permission;
5. copy, scrape, harvest, or misuse website content or form data;
6. upload or transmit malware, harmful code, spam, or automated requests;
7. infringe our intellectual property or the rights of any third party; or
8. use the website in a way that may damage our reputation, systems, partners, or users.

We may restrict, suspend, or block access to the website if we believe these Terms have been breached.

12. Intellectual Property

All website content, branding, logos, text, graphics, layouts, icons, images, forms, and other materials on GetCovered.co.za are owned by us or licensed to us, unless stated otherwise.

You may view and use the website for personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, sell, or exploit any website content without our prior written consent.

All third-party trademarks, product names, provider names, and logos remain the property of their respective owners.

13. Website Availability

We aim to keep the website available and functioning, but we do not guarantee uninterrupted, error-free, secure, or permanent access.

The website may be unavailable from time to time due to maintenance, technical issues, hosting problems, security measures, third-party service failures, or circumstances beyond our control.

We may update, suspend, remove, or change any part of the website at any time without notice.

14. Accuracy of Information

We try to keep website content accurate and up to date, but insurance products, premiums, benefits, eligibility rules, provider terms, and legal requirements may change.

Website content may contain errors, omissions, outdated information, or generalisations. We are not responsible for decisions you make based only on website content.

The final and binding terms of any insurance product will be the terms provided by the relevant provider.

15. Disclaimer of Warranties

The website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we make no warranties or representations that:

1. the website will always be available, secure, or error-free;
2. the content will always be accurate, complete, or current;
3. you will receive a quote or be contacted by a provider;
4. any product will be suitable for your needs;
5. any application will be accepted;
6. any claim will be paid; or
7. any provider will offer specific premiums, benefits, or terms.

Nothing in these Terms excludes or limits any rights you may have under applicable South African consumer protection laws.

16. Limitation of Liability

To the fullest extent permitted by law, GetCovered.co.za, its owners, employees, contractors, service providers, and partners will not be liable for any indirect, incidental, special, consequential, or economic loss arising from your use of the website.

This includes loss of profit, loss of data, loss of opportunity, reputational harm, business interruption, unsuccessful applications, declined claims, provider decisions, third-party communications, or reliance on website content.

Where liability cannot legally be excluded, our liability will be limited to the maximum extent permitted by applicable law.

17. Indemnity

You agree to indemnify and hold us harmless against any claims, losses, damages, penalties, costs, or expenses arising from:

1. your breach of these Terms;
2. your misuse of the website;
3. information you submit that is false, unauthorised, or misleading;
4. your violation of any law or third-party rights; or
5. any claim made by a person whose information you submitted without permission.

18. Complaints

If you have a complaint about GetCovered.co.za, please contact us at:

Please include your name, contact details, a description of the complaint, and any relevant reference information.

If your complaint relates to an insurance provider, policy, quote, debit order, advice, claim, or sales call after your details were shared, we may refer you to the relevant provider or ask you to contact that provider directly.

19. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date.

Your continued use of the website after changes are posted means you accept the updated Terms.

20. Governing Law

These Terms are governed by the laws of the Republic of South Africa.

Any dispute relating to these Terms or your use of the website will be subject to the jurisdiction of the appropriate South African courts, unless applicable law requires otherwise.

21. General

If any part of these Terms is found to be invalid, unlawful, or unenforceable, the remaining parts will continue to apply.

Our failure to enforce any right under these Terms does not mean we waive that right.

You may not transfer your rights or obligations under these Terms without our written consent. We may transfer or assign our rights and obligations where reasonably necessary for business, legal, or operational reasons.

22. Contact Details

For questions about these Terms, please contact: