Frequently Asked Questions

The Road Accident Fund (RAF) is a statutory fund that compensates victims injured in motor vehicle accidents caused by the negligence of another driver. It is funded by a fuel levy. If you are injured due to a third party's negligence, you have a legal right to claim.

No. The RAF receives approximately R35 billion per year and pays valid claims.

Loss of earnings and support are capped annually. Funeral benefits are capped at R18,000. Medical expenses are uncapped.

Anyone injured due to another driver's negligence. Passengers are always eligible.

Yes, cyclists and pedestrians are eligible to claim from the RAF.

Yes, if the accident occurred in South Africa.

Contact 0860 726 837 or customerservice@roadcover.co.za for guidance on required documents.

You can claim for: medical expenses, funeral costs, loss of earnings, pain & suffering, and loss of support.

Yes, with supporting proof of income and the period of absence.

No. The RAF only covers personal injury claims, not property or vehicle damage.

30 days notice is required. Call 0860 726 837 or email customerservice@roadcover.co.za

The primary member, spouse/partner, and dependent children are covered.

Dependent children qualify if they are under 21, up to 25 if a full-time student, or any age if they have a disability.

We accept credit card or debit order payments.

We will contact you to resolve the missed payment and keep your cover active.

No. You replace the tyre yourself and we manage the claim for reimbursement on your behalf.

No, gravel roads are not covered under the Pothole Assist benefit.

The timeline depends on the road agency processing the claim. We will keep you updated throughout the process.