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Shortfall Plus Cover


Covers the difference (shortfall) between your comprehensive insurance pay-out and the outstanding balance on your finance agreement, in the event of your vehicle being written off or stolen and not recovered.

You deserve a new Audi if yours is written off or stolen – even if you still owe money on your finance plan. Shortfall Plus covers you in the event of a total loss of your car. Our Shortfall Plus policy protects you if your outstanding loan amount is higher than your car’s value when it is stolen and not recovered or damaged beyond economical repair. This is a stand-alone policy that is purchased in addition to an Audi Comprehensive Insurance Policy.

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Why Choose Shortfall Plus?

Your car’s value depreciates over time, and a Comprehensive Insurance Policy will only pay out the value of the vehicle at the time of loss. This means you may have to finance the shortfall.

Our Shortfall Plus policy protects you if your outstanding loan amount is higher than your car’s value when it is stolen and not recovered or damaged beyond economical repair. This is a standalone policy that is purchased in addition to an Audi Comprehensive Insurance Policy.

Policy Benefits

Shortfall Cover 

This benefit provides cover if your car is a total loss due to theft, hijacking or accidental damage and the outstanding loan balance is more than your car’s value at time of loss.    

Bodyline Maintenance Cover

This optional benefit provides cover in the event of minor damages such as dents or scratches to your car. 

Loyalty Bonus  

This benefit provides cover so that if your car is stolen and not recovered or damaged beyond economical repair, we will pay a fixed amount of R10 000 towards your new Audi (if you replace your car within three months from an approved Audi dealer).

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Terms and conditions apply

1. Audi Financial Services Shortfall Plus Cover is provided by Volkswagen Financial Services South Africa (Pty) Ltd (Reg. No. 2013/133698/07), (VAT No. 4760263576), an authorised Financial Services Provider (FSP: 44827) and Credit Provider (NCRCP No.: 6635), and underwritten by Hollard Insurance Company, an authorised financial services provider, Reg. No. 1952/003004/06. 

2. Please note that this is not the policy wording. Please read the policy wording for the full benefits, as well as the comprehensive terms and conditions of this cover.