A high-value mechanical breakdown insurance plan that delivers comprehensive cover across all major components at a mid-range premium. Ideal for drivers who want more than the basics — without paying for the top tier.
Up to R40,000 engine cover
Your engine is the most important and most commonly repaired component in your vehicle. Your Zwartkops plan gives you up to R40,000 in engine cover, with no excess to pay on approved claims.
No excess payable
No excess on any approved claim — your full benefit limit is available to you from day one. More cover, less admin, no surprises.
No qualifying criteria
Any car or motorcycle qualifies — no age limits, no mileage restrictions. Whether you drive a newer model or a high-mileage vehicle, your cover starts on the same terms.
Why choose the Zwartkops mechanical breakdown cover?
Cover for unexpected mechanical and electrical failures, ensuring your vehicle gets back on the road quickly.
Nationwide assistance
Access to an extensive partner network of repair specialists, wherever you are in South Africa.
Stress-free support
We manage the process from breakdown to repair, helping you avoid surprise costs and lengthy delays.
Zwartkops mechanical breakdown cover benefits
The Zwartkops Plan offers exceptional mid-level protection with generous cover across key vehicle components such as the engine, gearbox, cooling system and electronics. It’s an ideal choice for dependable cover without the top-tier price tag.
You can qualify regardless of your vehicle’s age or mileage, and you’ll benefit from valuable extensions like mobility charges, towing and recovery, accommodation support, instalment protection and excess protection.
Cover applies to both cars and motorcycles, and because there’s no cumulative claims limit, you can claim multiple times up to your per-benefit maximums.
No Cumulative Claims Limit
Make multiple claims over time with no lifetime cap, subject only to your per-component limits.
Extensions of Cover
Receive additional valuable support benefits, including mobility charges, towing and recovery, accommodation, instalment protection, and insurance excess assistance — all designed to support you during unexpected breakdowns.
All Vehicles Qualify
Your vehicle always qualifies — regardless of age or mileage. Get reliable cover for older or high-mileage cars and motorcycles too.
Benefits Covered
Protects key components like the engine, gearbox, drivetrain, cooling system, electronics and more. Cover is applied per component category — see the benefits table below for full per-item limits.
Limits of indemnities and benefit categories
Each policy includes one benefit category, ensuring the same level of cover
no matter your vehicle’s age, mileage, or how far you travel.
| Headings | Zwartkops |
|---|---|
| Engine | R 40,000.00 |
| Gearbox | R 35,000.00 |
| Differential and Front Wheel Drive Unit | R 30,000.00 |
| Transfer Case | R 30,000.00 |
| Forced Induction System | R 8,000.00 |
| Management System | R 8,000.00 |
| Air Conditioner | R 6,500.00 |
| Braking System | R 6,500.00 |
| Clutch and Flywheel | R 6,500.00 |
| Cooling System | R 6,500.00 |
| Drive Shafts | R 6,500.00 |
| Electrical Components | R 6,500.00 |
| Electronic Ignition | R 6,500.00 |
| Propulsion System | R 6,500.00 |
| Pulleys | R 6,500.00 |
| Sensors and Sender Units | R 6,500.00 |
| Steering System | R 6,500.00 |
| Suspension | R 6,500.00 |
| Wheel Bearings | R 6,500.00 |
| Alarms and Immobilisers | R 3,000.00 |
| Audiovisual, Communication, and Navigation Systems | R 3,000.00 |
| Central Locking and Transponder Keys | R 3,000.00 |
Please refer to the policy terms and conditions for details on what is covered under each heading.
| Headings | Zwartkops |
|---|---|
| Engine | R 40,000.00 |
| Gearbox | R 35,000.00 |
| Drivetrain and Drive Shafts | R 30,000.00 |
| Forced Induction System | R 8,000.00 |
| Management System | R 8,000.00 |
| Braking System | R 6,500.00 |
| Clutch and Flywheel | R 6,500.00 |
| Cooling System | R 6,500.00 |
| Electrical Components | R 6,500.00 |
| Electronic Ignition | R 6,500.00 |
| Propulsion System | R 6,500.00 |
| Sensors and Sender Units | R 6,500.00 |
| Suspension | R 6,500.00 |
| Wheel Bearings | R 6,500.00 |
| Alarms and Immobilisers | R 3,000.00 |
| Audiovisual, Communication, and Navigation Systems | R 3,000.00 |
Please refer to the policy terms and conditions for details on what is covered under each heading.
| Headings | Zwartkops |
|---|---|
| Mobility Charges | R 2,000.00 |
| Towing or Vehicle Recovery, and Storage Charges | R 2,000.00 |
| Accommodation Charges | R 1,500.00 |
| Instalment Payment Protection | R 1,500.00 |
| Insurance Excess Payment | R 1,500.00 |
Waiting Periods & Claim Conditions
Waiting period:
A 60-day waiting period applies from your policy start date, requiring three full premium payments before any claim will be accepted. Claims submitted within this period will not be approved.
Subsequent claims: Claims arising from a breakdown occurring within 1,500km of a previously reported claim may not be covered. Please refer to your policy document for full details.
Protection that goes the distance!
With Bloom Raceways Mechanical Breakdown Insurance, you safeguard more than your car or motorcycle. You protect your freedom, your safety, and your time.
Ready to protect what matters most?
Speak to a Bloom adviser today.
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