No-Excess 45+ No-excess 45+ removes the standard excess on qualifying motor claims for older clients.

What is no-excess 45+?

Drivers 45+ claim with zero excess. As a King Price client you will see no-excess 45+ referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How no-excess 45+ works

no-excess 45+ 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 no-excess 45+ 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

Bongani has a R45 000 engagement ring specified on his policy. 50, smashed bumper → pay R0. In this scenario, no-excess 45+ 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 no-excess 45+ matters

Understanding no-excess 45+ 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 no-excess 45+ is part of that promise.