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It is important to be aware of the terms and conditions of your car insurance policy. It is also important to remember that your car is not insured without full disclosure of who the regular drivers of that car might be. The vehicle owner can also nominate specific drivers of that vehicle. The Ombudsman for Short-Term [...] The past weekend I have spent quite a bit of time researching run flat tyre technology and the impact that this might have on the safety of road users. Tyre manufacturers are spending much time and funding on efforts to develop tyres that are safer and that provides “run flat capabilities”. All these efforts are however [...] Insurance fraud is one of the reasons why we complain about expensive car insurance premiums. Too many claims include some element of fraud, varying from exaggeration of the amount claimable to outright falsity of the alleged facts relied on. When submitting an insurance claim the insured client makes specific statements and disclosures – and the onus [...] At present we do not have reported decisions by the Ombudsman on this topic. There is however enough information to warn that a car insurance claim resulting from an accident caused by texting and driving could be rejected! We would like to place ourselves in the position of the Ombudsman and consider how such a scenario [...] Information provided by the Ombudsman for short term insurance reveals that car insurance policies are frequently disputed by vehicle owners. About 67 percent of complaints registered with the ombudsman in 2007 relate to motor vehicle claims, 12 percent to homeowners insurance and 11 percent to miscellaneous cover issues. But why do we find so many disputes? [...] Risky driving! A car insurer has to take several factors into account when calculating the car insurance premium payable. These factors include driver factors, vehicle factors as well as the area where the owner intends to drive such vehicle most of the time. The car insurer will seek to determine how these factors will influence [...] We have previously commented on the Car Insurance Blog on the need for keep records of all the insurance correspondence. This was addressed in a Blog Post titled “Do you keep your car insurance policy documentation in a safe place?” This however also implies that the client does in fact receive the policy documentation from [...] This is a scenario that several parents have experienced. A former colleague of mine was on a hunting trip when his son took the car and a few friends on a pleasure drive. They crashed the car and tragically one of the passengers died in the accident. This presents several legal questions – but for [...] Back Yard Repairs Have you also been told about some brilliant backyard mechanic who can repair your vehicle at a fraction of the costs? A frequent cause of unhappiness for the insured car owner is unsatisfactory repairs to the vehicle after an accident. This complaint is usually that repair work done is inefficient or defective [...] Tyres not roadworthy Can your vehicle insurance claim be rejected if your vehicle is not in a roadworthy condition? If we carefully consider this question we would have to agree that roadworthiness is indeed a fair expectation from the side of the insurer. The insurer insures a roadworthy vehicle and provides cover for such a vehicle [...] |
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