Dial Direct has proven to be the leader in the South African Insurance industry - their fresh approach to the old cash back program has seen the revolution of this type of incentive plan. Dial Direct offers the most desirable reward program offered on the market - the Bucks Back Reward Program. This program has become a firm favourite amongst insurance consumers. Let us tell you why.

The Dial Direct Bucks Back program offers the customer a cash injection equal to the total of the first year's premiums or 25% of all the premiums paid to date - whichever is the lesser of the two. This runs over a four year period where no claims are made. However, where Dial Direct is different, certain claims are allowed:

• A car which has been stolen and was fitted with a tracking device installed by an approved satellite company
• Chips on the windscreen of your car
• The fraudulent use of your bank card/s
• The damage to your household goods by a removal company when in transit as a result of fire, explosion or lightning
• Garden furniture in the event of a robbery
• Money, documents, coins and stamps lost in a robbery
• Guest's property that has been stolen
• A third party's medical expenses when caused by your pet or occurred on your property
• Fire Brigade expenses in the event of a fire on your property
• Medical expenses incurred by your pet involved in a road accident
• Stolen Property belonging to your domestic employees
• Rent in the event of having to live elsewhere as a result of damage to your property

When your four year claim-free period (conditions apply) has elapsed you automatically are eligible for your Bucks Back Bonus. Your cash will be deposited directly into your back account after your last premium for that four year period has been paid. The four year cycle then starts again.

The Bucks Back programs also benefits you in two ways:

• Incentivizes you to look after your belongings
• being a claim-free customer your premiums are evaluated and increased at a slower rate than your 'claim-happy' counterparts resulting in lower premiums

Dial Direct's Bucks Back Program is the best cash incentive program available, which sees you the customer being financially rewarded by paying you a big cash payment and saving you money in the long term by keeping your premiums as low as possible.