Defective workmanship cover may insure liability or resulting physical damage caused by an accidental error in repair, service or fitment. It normally does not pay simply to redo poor work, replace the defective part, improve the original job or honour a guarantee—unless the policy wording expressly grants that cover. The trigger, exclusions and definition of damage must be checked in the actual schedule and wording.
A workshop services a customer’s bakkie. The oil filter is not seated correctly, oil escapes on the N1 and the engine seizes.
How cover may respond: A suitable wording may cover the resulting engine damage and the workshop’s legal liability.
Important: It would normally not cover the price of refitting the oil filter or refunding the original service merely because the service was poor. Some wordings also exclude the component being worked on.
Tell us what vehicles you handle, where they are kept and how they are used. A specialist can compare suitable terms and explain the important conditions before you bind cover.
Start my quotationThis is a general explanation, not advice or a policy contract. Cover is subject to the insurer’s schedule, wording, limits, excesses and conditions.