According to news platform IOL, more than 40 000 car insurance claims get thrown out, either partly or in full, each year in South Africa. Do not let yours be one of them. Let’s take a look at reasons why your car insurance claim can be rejected, so you don’t make the same mistakes. Not knowing exactly what you are covered for could cost you. You need to go through the policy before you sign on the dotted line; it will save you time, money and a great deal of frustration.
An unlicensed person was behind the wheel: Allowing other people to drive your car is your choice. Although if they are involved in an accident, and it turns out, they do not have a valid driving license, you are not covered for the cost of the damages, no matter whose fault it was.
Driving under the influence: Provided that your blood-alcohol level is over the limit at the time of an accident, any related claim will be automatically rejected. Do not drink and drive. Period.
Your car is not roadworthy: Take note that this can be something quite small: You wouldn’t think faulty windscreen wipers could cause a crash, but if you are involved in a crash because you couldn’t see properly due to worn wiper blades, your insurers can kick your claim to the curb.
Your car was not covered for write-off: If your car is beyond repair, the insurer will only be liable if write-off cover is explicitly stated in your contract. This is something you need to ask your insurer or broker to show you in writing before you accept any quote.
The vehicle was not inspected when you took out the policy: Before an insurance company can issue a policy, they have to inspect your car to ensure that it has no existing damage. If this inspection was not done, the insurer would not be able to validate your claim for damages from a subsequent crash.