Finance Shortfall Cover (Top-up)
Cover the outstanding balance in the event of your car being written off or stolen.

Financial Shortfall Cover

Keep your wheels rolling

Settle what you owe

Stay out of debt

Day to day benefits

  • This policy will ensure that you won't be out of pocket should your car be stolen or written off.

    It will pay the outstanding finance amount owed, ensuring that your car finance debt is settled.


  • The vehicle must be comprehensively covered, even if not with Standard Bank Insurance Services.

    For cover for non-payment of a single monthly premium on your comprehensive insurance, you must have paid three months premium before the unpaid month. When claiming, any car or asset finance arrears will be excluded.

    Deposit protection is only applicable if you paid a deposit on a car that was written off or stolen.


  • Your premium depends on the outstanding amount of your car or asset finance loan.

    The monthly Finance Shortfall cover (Top-up) premium is bolted onto your monthly car loan debit order.

How do I get finance shortfall cover?

  1. 1. Apply online for finance shortfall cover:

    Get Quotes
  2. 2. Complete a call me back and a consultant will call you

    Call Me Back
  3. 3. Call the finance shortfall centre for assistance

    0860 123 999

How do I submit a claim?

  1. Contact us within 60 days from the date your comprehensive insurer settles or rejects your insurance claim.

    Call us on: 011 858 5325 or 011 858 6126
    Fax us on: 086 241 1606
    Email :

    Or write to us at:

    Standard Insurance Limited - Top Up Claims Department
    P.O. Box 32587
Standard Bank Insurance Brokers (Pty) Ltd (“SBIB”) is an authorised financial services provider FSP 224. SBIB is a group company of The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06), an authorised financial services and registered credit provider (NCRCP15). Moving Forward is a trademark of The Standard Bank of South Africa Limited.