The Premium Collection Solution for Motor Warranty Premiums
Debella Finance provides a fully FAIS- and VAT-compliant Premium Collection Solution that handles the invoicing, collection, payment and reconciliation of extended motor warranty premiums on behalf of insurers, administrators and motor dealers.
What Is the Debella Premium Collection Solution?
Debella's Premium Collection Solution is a purpose-built system that lets warranty administrators, insurers and motor dealers collect extended motor warranty premiums compliantly — without dealers having to collect in their own name.
As the originators of split-invoicing technology in the South African market, we have refined this solution since 2009 into the industry standard for warranty premium handling. Our advanced IT system enables motor dealers to avoid the complexities of collecting premiums while ensuring full compliance with FAIS, VAT and all applicable financial regulations.
Trusted by Leading Financial Institutions
How the Solution Works
As the pioneers of split-invoicing technology since 2009, we have successfully deployed this system across the industry. Here is how it works end to end.
Established Industry Partnerships
We have established agreements with all the leading warranty providers and non-life insurers who underwrite extended motor warranties. These agreements authorise our company to perform the direct collection of premiums on behalf of the insurers and warranty administrators.
VAT-Compliant Invoice Generation
Our system issues VAT-compliant, insurer-specific invoices for each extended warranty sold by participating motor dealer intermediaries. This ensures complete compliance with VAT legislation and relevant tax requirements.
Seamless Integration
Our system integrates with major dealer management platforms, simplifying warranty invoice generation and eliminating duplication of effort. We also offer a comprehensive API for integration with any proprietary system.
Automated Fund Allocation
Once the premium is paid, funds are automatically allocated to the respective invoice. Dealer commissions and other charges are calculated and paid weekly, each accompanied by a VAT-compliant bordereau.
Compliant by Design
The motor warranty premium handling landscape is tightly regulated. Our system is engineered around FAIS, VAT and premium-handling requirements, removing the regulatory and fiduciary burden from dealers while giving insurers and administrators a clean, auditable collection trail.
As a PASA-registered System Operator, Debella Finance operates within the premium-collection framework of the Insurance Act, ensuring every transaction is transparent, traceable and fully compliant. This means intermediaries benefit from all the commercial advantages of warranty sales without carrying the associated regulatory risk.
FAIS Compliant
Engineered to meet all FAIS premium-handling requirements so intermediaries never collect outside their licence scope.
VAT Compliant
Every invoice is insurer-specific and VAT-compliant, with full audit trails for SARS purposes.
Insurance Act Aligned
Operations are aligned with premium-collection provisions under the Insurance Act, giving insurers complete peace of mind.
Who Uses the Solution
Our system serves every party in the extended motor warranty premium chain.
Insurers
Outsourced, compliant premium collection with full reconciliation reporting. No collections risk sits with the dealer network — every rand is traceable back to the correct underwriter.
Warranty Administrators
VAT-compliant invoicing and automated allocation at scale. Administrators receive clean, reconciled premium data without managing individual dealer payment collections.
Motor Dealers
Sell extended warranties without collecting premiums in your own name. Weekly commission payouts with detailed bordereaux, and full relief from the fiduciary obligations that come with holding insurance premiums.
Benefits of Using Debella
Our system offers six primary advantages that significantly enhance your operations.
Simplified Administration
Focus on selling vehicles, not managing complex premium collection processes. Our system handles all administrative burdens seamlessly.
Regulatory Compliance
Full adherence to FAIS, VAT, and other applicable legislation. We ensure complete compliance with all financial regulations so you don't have to.
Fiduciary Relief
Removal of personal liability for directors and owners, relieving you of onerous fiduciary responsibilities imposed by financial regulations.
Streamlined Financial Processes
Weekly commission payments with clear, detailed reporting. Comprehensive reconciliation reports on all transactions.
Seamless Integration
Works with your existing dealer management system via direct platform integrations or our full API.
Secure Data Management
Compliant data storage with full audit trails. Permanent records of all transactions are maintained for complete transparency.
See What Clients Are Saying
We are very proud of the service we provide.
Read our testimonials from our happy customers.
Debella is a very user friendly website and there's no issues with them. If anything, you're always there for me….and thank you for that.
I have been doing business and interacting with Debella for a few years now, and I have consistently found it to be a very pleasurable experience. All the Debella staff members I have dealt with are professional and courteous. It is truly a pleasure doing business with Debella!
I am in the admin department and have always found Debella staff very helpful and friendly. When I have requested information I have always got a very quick response. Thanks again to all the staff for your very helpful and friendly attitude.
I just want to thank you for the excellent service throughout the years. Always quick with response. It is a pleasure working with the Debella team.
Frequently Asked Questions
Get Started
Contact us on 010 590 3032 or support@debella.co.za to see the Premium Collection Solution in action.