Insurance FAQ

Frequently Asked Questions

Who is RCS?

RCS is a registered consumer finance and authorised financial services provider that offers financial services to suit your lifestyle needs – including cards, loans and insurance.

What is Customer Protection Insurance?

Customer Protection Insurance (CPI) is insurance cover that will, depending on your credit product, cover your outstanding balance (or a portion of the outstanding balance) in the event of death, permanent disability, temporary disability or loss of income for a nominal monthly premium. Click here for more information.

How do I apply for Customer Protection Insurance?

Customer Protection Insurance is mandatory when taking out a new RCS Card or RCS Loan and the premium for CPI is automatically included in your monthly Card or Loan product instalment

What is Motor and Home Cover?

Motor and Home Cover covers your personal belongings against events like fire, theft and damage

How do I apply for Motor and Home Cover?

Call us on 011 037 9027 for a quotation, or SMS “RCS” to 31463, and we’ll call you back!

How do I submit a claim?

Visit our How to Claim page, and follow the easy steps.

What is the claims escalation process?

  1. The RCS Insurance Claims Department will acknowledge receipt of the customer’s dispute as soon as they receive same, following which a claims assessor will be assigned to the customer’s dispute to investigate.
  2. The RCS Insurance Claims Department will determine whether the dispute can be investigated within their department or if the complaint must be escalated to the Insurer. In the event that the complaint is escalated to the Insurer, the Insurer will investigate and assess the dispute and provide feedback to the assessor with regard to the outcome.
  • The assessor will send a letter and/or SMS to the customer informing them of the outcome.
  1. If there are any delays in finalising the investigation, the claims assessor will communicate this to the customer and where possible, inform the customer of when the investigation will be finalised.
  2. Should the customer be dissatisfied with the outcome, they may contact us at or 0861 729 727. Should the customer remain dissatisfied, they may contact the ombudsman on the following:


FAIS Ombudsman:

Postal Address: PO Box 74571, Lynwood Ridge, 0040

Tel: (012) 762 5000 or (012) 470 9080

Fax: (012) 348 3447 or 0860 764 1422




The Long Term Insurance Ombudsman:

Postal Address: Private Bag X45, Claremont, 7735

Tel: (021) 657 5000

Fax: (021) 674 0951



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