A solid, balanced mechanical breakdown insurance plan for cost-conscious drivers. The Phakisa Plan protects the components that matter most — engine, gearbox, cooling system, electronics and more — at a premium that works for your budget.
Up to R30,000 engine cover
Your engine is the most important and most commonly repaired component in your vehicle. Your Phakisa plan gives you up to R30,000 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 Phakisa 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.
Phakisa mechanical breakdown cover benefits
The Phakisa Plan is a smart, affordable option that covers the most important mechanical components of your car or motorcycle. With balanced payout limits and essential protection for engines, gearboxes, cooling systems, electronics and more, it’s designed for cost-conscious drivers who still want dependable cover.
There are no qualifying criteria, so any vehicle — regardless of age or mileage — can join. You’ll also receive Bloom’s standard extensions, including mobility assistance, towing and recovery, accommodation benefits, instalment protection and excess protection.
With no lifetime claims cap, you stay protected whenever unexpected repairs arise.
No Cumulative Claims Limit
There’s no limit to how many times you can claim throughout your policy, as long as each claim falls within its benefit category limit.
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
Every vehicle qualifies — no restrictions based on age, mileage, or usage.
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 | Phakisa |
|---|---|
| Engine | R 30,000.00 |
| Gearbox | R 25,000.00 |
| Differential and Front Wheel Drive Unit | R 22,500.00 |
| Transfer Case | R 22,500.00 |
| Forced Induction System | R 6,500.00 |
| Management System | R 6,500.00 |
| Air Conditioner | R 5,000.00 |
| Braking System | R 5,000.00 |
| Clutch and Flywheel | R 5,000.00 |
| Cooling System | R 5,000.00 |
| Drive Shafts | R 5,000.00 |
| Electrical Components | R 5,000.00 |
| Electronic Ignition | R 5,000.00 |
| Propulsion System | R 5,000.00 |
| Pulleys | R 5,000.00 |
| Sensors and Sender Units | R 5,000.00 |
| Steering System | R 5,000.00 |
| Suspension | R 5,000.00 |
| Wheel Bearings | R 5,000.00 |
| Alarms and Immobilisers | R 2,500.00 |
| Audiovisual, Communication, and Navigation Systems | R 2,500.00 |
| Central Locking and Transponder Keys | R 2,500.00 |
Please refer to the policy terms and conditions for details on what is covered under each heading.
| Component | Phakisa |
|---|---|
| Engine | R 30,000.00 |
| Gearbox | R 25,000.00 |
| Drivetrain and Drive Shafts | R 22,500.00 |
| Forced Induction System | R 6,500.00 |
| Management System | R 6,500.00 |
| Braking System | R 5,000.00 |
| Clutch and Flywheel | R 5,000.00 |
| Cooling System | R 5,000.00 |
| Electrical Components | R 5,000.00 |
| Electronic Ignition | R 5,000.00 |
| Propulsion System | R 5,000.00 |
| Sensors and Sender Units | R 5,000.00 |
| Suspension | R 5,000.00 |
| Wheel Bearings | R 5,000.00 |
| Alarms and Immobilisers | R 2,500.00 |
| Audiovisual, Communication, and Navigation Systems | R 2,500.00 |
Please refer to the policy terms and conditions for details on what is covered under each heading.
| Headings | Phakisa |
|---|---|
| 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.
Get a quote now
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