Subrogation Subrogation transfers your recovery rights to the insurer once they’ve paid out.

What is subrogation?

Insurer recovers your claim from the responsible party. As a King Price client you will see subrogation referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How subrogation works

subrogation 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 subrogation 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

Pieter rides a BMW GS 1250 around the Western Cape. Rear-ended in traffic , King Price pays you and chases the other driver. In this scenario, subrogation 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 subrogation matters

Understanding subrogation 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 subrogation is part of that promise.