Drunk Driving can be devastating!

Drunk Driving can be devastating!

Have you considered the effects that a few drinks too many might have on your car insurance? South Africa has a poor record on sober driving and many drivers are unaware of the impact that drunk driving might have on their pockets and their car insurance. Our drivers and especially our young drivers are not responsible when it comes to drinking and driving and it’s not just around the festive season or public holidays either, as drunk drivers cause accidents day in and day out!

What does your car insurance policy stipulate with regards to drunk driving?
Most car insurance policies contain specific clauses with regards to impaired driving. Car insurance policies usually stipulate that the insurer do NOT indemnify (or cover) you if you, or the driver of your car, do not have a valid driver’s licence, drives under the influence of alcohol or drugs, or while the percentage of alcohol in the driver’s blood exceeds the legal limit.

Consequences could include:

  • That the car insurance company has no obligation to meet your claim.
  • You may face huge fines, a potential prison sentence, a criminal record and may have to replace or fix your damaged car out of your own pocket.
  • The Road Accident Fund could refuse to pay out claims resulting from a drunken driving accident.
  • Your insurance company could decide that you are too high a risk for them to carry and refuse to continue your car insurance cover.
  • Your monthly insurance premium will go up rather heavily as you will be regarded as a high-risk driver.
  • If your driver’s license are suspended you will struggle to get car insurance anywhere.

The consequences could however be much more devastating. What if your vehicle is not crumpled up against a tree – but against the body of a breadwinner, wife or child? Would you be able to live for the rest of your life with the thought that your few moments of intoxicated pleasure ended a life for someone else?

We would like to urge all policyholders to visit the Arrive Alive website for more info on drunk driving. Think carefully next time before you decide to over indulge. Nominate a designated driver or arrange to stay over. If this is not possible then leave the car at home and make use of public transport!

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