App Terms and Conditions

When you take out comprehensive; off-road; third party, fire & theft; 1st for Women Essential; motorcycle; and third party only cover, you automatically get Guardian Angel on Call to help keep you safe on the road.

Depending on your cover, this benefit includes: our mobile crash detector that sends an ambulance if you need emergency medical assistance if you were in a severe accident, an authorised tow-truck to meet you at your exact location, a Guardian Angel to wait with you if you feel unsafe, a lift to get you wherever you need to go, and our claims team will be notified immediately of your accident. 

To use it, you don’t need to install any devices in your vehicle; simply download our free app, and make sure that your travel monitoring and location settings are switched on.

Guardian Angel on Call offers:

When you take out comprehensive or off-road vehicle insurance with us, and download the 1st for Women app, you’ll get a Guardian Angel on Call to help keep you safe when you travel.

Guardian Angel on Call offers:

• A mobile crash detector that detects if you were in a severe accident and sends help immediately to your location.
• An ambulance if you need emergency medical assistance.
• An authorised tow-truck that you can track to your exact location.
• A roadside assistance provider that you can track to your exact location if your vehicle is out of fuel, has a flat battery, or a flat tyre.
• A lift to wherever you need to go if your vehicle was towed.
• A Guardian Angel to wait with you until help arrives.
• Our claims team will be notified immediately of your accident.
• Guardian Angel on Call can be shared with the regular drivers on the policy and up to 5 family and household members.
  
  

1st for Women will cover the roadside and accident assistance cost for the insured vehicle. The user can request roadside or accident assistance for a vehicle not on the policy, but at their own expense.

When you take out third party, fire & theft, 1st for Women Essential or motorcycle insurance with us, and download the 1st for Women app, you’ll get a Guardian Angel on Call to help keep you safe when you travel.

Guardian Angel on Call is only available to the policyholder and offers:

• An ambulance if you need emergency medical assistance.
• An authorised tow-truck that you can track to your exact location.
• A roadside assistance provider that you can track to your exact location if your vehicle is out of fuel, has a flat battery, or a flat tyre.
• A lift to wherever you need to go if your vehicle was towed.
• A Guardian Angel to wait with you until help arrives.
• Our claims team will be notified immediately of your accident.
  
  

1st for Women will cover the roadside and accident assistance cost for the insured vehicle. The policyholder can request roadside or accident assistance for a vehicle not on the policy, but at their own expense.

When you take out third party only insurance with us, and download the 1st for Women app, you’ll get a Guardian Angel on Call to help keep you safe when you travel.

Guardian Angel on Call is only available to the policyholder and offers:

• An ambulance if you need emergency medical assistance.
• A lift to wherever you need to go if your vehicle was towed.

The policyholder will be required to download the new 1st for Women app and sign in using his/her valid South African ID number or passport number. 

A policyholder, with a comprehensively insured vehicle on their policy can share the Guardian Angel on Call benefit with the regular driver of that active, comprehensively insured vehicle noted on a policy; and up to five family or household members chosen by the policyholder.

There will be an App Sharing section on the app where the policyholder can nominate up to five family/household members per active policy. Once these members have been added, a link with a unique code will be texted to the applicable members. 
The family/household members will then use the link to visit a dedicated page on the 1st for Women website, using the unique code to register a profile and download the app, to gain access to the Guardian Angel on Call benefit.

Regular drivers of the policy in question will be loaded on the app, linked to the appropriate vehicle. Once the regular driver’s(s’) details has/have been confirmed (or updated if necessary) by the policyholder via the app or website, a link will be texted to the regular driver(s).

These regular drivers will then use the link to visit a dedicated page on the 1st for Women website, register a profile and download the app, to gain access to the Guardian Angel on Call benefit.

The regular driver and five nominated members will be required to:Use the link in the SMS sent, enter the requested information as well as the unique code from the SMS.

The policyholder, regular driver and/or family/household members will be required to:

• download, install and accept the terms of use on the application; and
• supply and save her/his medical aid details and medical conditions on the application.

This application will be available on most Smartphones but will not be compatible with other devices such as tablets and smart watches.

Device requirements: Mobile Crash Detector

For this application to work and provide you with the best possible response, please ensure that the smartphone you will be using has access to the application, and at all times:

• have the application running (this does not mean the application must always be open, but rather that it should always be running in the background);
• have the policyholder, regular driver and five nominated family or household members signed into the application;
• have text messaging capability;
• be powered on and able to transmit data to the EMS service provider’s call centre;
• be within the relevant communication network operator’s coverage area and have the necessary communication services enabled;
• have its GPS (global positioning system) and microphone functionality enabled; and
• have sufficient data to allow the application to operate.
  
  

The travel monitoring function must have been activated by the travel monitoring algorithm on the application in order to detect a severe motor vehicle crash (this could take a number of kilometres to start depending on location and device settings).

Device requirements: All other services

For this application to work and provide you with the best possible response, please ensure that the smartphone you will be using has access to the application, and at all times:

• have the policyholder, regular driver and five nominated family or household members signed into the application;
• have text messaging capability;
• be powered on and able to transmit data to the roadside assist service provider’s call centre;
• be within the relevant communication network operator’s coverage area and have the necessary communication services enabled;
• have its GPS (global positioning system) and microphone functionality enabled;
• have sufficient data to allow the application to operate; and
• have sufficient airtime available to make a phone call.

Guardian Angel on Call can only be active on one device per user at a time.

Family and Household members/loved ones refers to your family or those living on the same property as you.

Mobile Crash Detection provides you with peace of mind, in the form of a benefit on the 1st for Women app that runs silently in the background and will automatically detect when the regular driver is involved in a severe accident. A medically-trained emergency assist consultant will then phone the regular driver to confirm if she/he needs emergency medical assistance. If she/he confirms the need for assistance or does not answer her/his phone, the consultant will immediately dispatch the nearest emergency medical service (EMS) to the exact accident location recorded by the app at the time of the accident.

This benefit is designed to support the regular driver(s), if they have downloaded the app on the smartphone that they keep with them. Because of this, the regular driver will be able to utilise the benefit even though she/he is driving someone else’s vehicle or is a passenger in any other vehicle.

Please note that this is an early alert system that is only available within South Africa's borders. The regular driver will be liable for any medical costs incurred. It is important to keep the details captured on the app up to date, as these details may affect the action taken by the EMS.

The accident location details will not be used for the finalisation of your claim and will not affect the outcome in any way.

Accident and Roadside Assistance is included with all vehicle – comprehensive; third party, fire & theft; off-road; and motorcycle policies.

The policyholder; regular driver; nominated family/household member(s) will only be able to track the assist provider in the app if:

• The assist provider has the supporting technology activated on their devices;  
• If the request for assistance is for the vehicle insured on the policy;
• If the request was made from the 1^st for Women app.

The breakdown assistance service has a maximum annual limit of three call-outs per insured vehicle. The accident assistance service has no limit for the insured vehicle.

Please refer to your Assist Terms & Conditions brochure for more information.

• The user can request a lift only if the vehicle was towed due to an accident or breakdown.
• Only one lift request per incident.
• Once we have received the request, we will arrange a lift to collect the policyholder; regular driver; or nominated family/household member at the scene when the lift services are available within a reasonable timeframe. Alternative arrangements will be made with the policyholder; regular driver; or family/household member if the lift will not arrive within a reasonable time or if there are no lift services available in the area.
• The drop-off destination will be agreed to with the policyholder; regular driver; nominated family/household member, but will be limited to the metro area where the incident occurred or to the closest place of safety.

• Lifts can only be arranged for people over the age of 18 years.

• 1st for Women will not be held liable for the cost of the emergency medical services (EMS).

• If the patients require transportation to a hospital, the choice of hospital will be determined by the EMS.

• It is the responsibility of the regular driver(s) to ensure that their medical aid/medical condition details are up to date on the 1st for Women app.