Lightning Damage Lightning is a named peril.

What is lightning damage?

Lightning strike damage. As a King Price client you will see lightning damage referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How lightning damage works

lightning damage is governed by the terms set out in the King Price Policy Document and the individual schedule issued for your policy. Your schedule always overrides the master wording where they differ, so the values, limits and conditions that apply to you appear there in plain English.

King Price reviews the application of lightning damage at every renewal, and any change to your risk profile, address, vehicle, security or claims history is taken into account. The Treating clients Fairly framework requires this detail to be communicated clearly before any change takes effect.

Example

Refilwe collects vintage Mercedes-Benz models in Pretoria. TV blown by strike. In this scenario, lightning damage determines the practical outcome for the client. The exact numbers depend on the cover option, the excess on the schedule and the limits set out in the policy document.

Why lightning damage matters

Understanding lightning damage helps King Price clients make better decisions about cover. It affects the monthly premium, the payout at claim stage, and the steps required before and after an incident. Getting it right means no surprises at claim time.

King Price aims to make insurance great again with plain-English wording, transparent premiums and a direct relationship with clients. Clear terminology like lightning damage is part of that promise.