You’re stuck on the side of the road after an accident, waiting for help and wondering if your car insurance will cover the damage. For many South African drivers, this moment of uncertainty is all too familiar – and often avoidable.
Lodginga car insurance claim isn’t something most of us think about until we need to. But by the time a car accident happens, it’s too late to fix the mistakes that could cost you your claim.
Let’s take a look at the most common mistakes and how you can fix them straight away.
Mistake 1: Failing to Keep Your Policy Updated
Have you recently moved, started parking your car in a different location at night, modified your car or added a tracking device? If your policy doesn’t reflect these changes, your claim could be at risk.
Fix: Make it a routine to update your policy whenever your circumstances change. Keeping your details current will ensure you’re covered when it matters most.
Mistake 2: Overlooking Annual Premium Increases
Annual premium increases can catch you off guard and disrupt your budget. Many drivers don’t realise that some insurers, like Prime South Africa, offer fixed premiums*, helping you avoid a financial headache.
Fix: Look for insurers that offer fixed or transparent premium structures. It’s a simple way to keep your finances predictable.
Mistake 3: Ignoring Additional Benefits
It’s easy to focus on premium costs and overlook the extra benefits your policy offers. Perks like roadside assistance, accident towing, or free car hire during repairs can be invaluable.
Fix: Compare the full range of benefits when choosing an insurer. Sometimes, paying a little more upfront can save you a lot in the long run.
Mistake 4: Filing Incomplete or Inaccurate Claims
Submitting incomplete or incorrect claims is a common issue that can delay the process or result in rejection. Missing documents or mistakes in your submission are often the problem.
Fix: Familiarise yourself with the claims process. Provide all necessary documents, such as police reports, and double-check your details before filing.
Mistake 5: Not Understanding Policy Exclusions
Every policy has exclusions, and not being aware of them can lead to unpleasant surprises. For example, claims for incidents involving driving under the influence or using your car as a taxi may not be covered.
Fix: Read your policy’s fine print carefully. Understanding what’s excluded will help you avoid unnecessary risks.
Mistake 6: Underinsuring Your Car
Trying to save money by insuring your car for less than its actual value might seem like a good idea – until you need to file a claim. If your car is stolen or written off, you could end up having to pay a significant amount out of pocket.
Fix: Always insure your car for its correct market value. It’s the best way to ensure adequate compensation if the worst happens.
Mistake 7: Not Comparing Insurance Companies
Choosing the first insurer you come across might seem convenient, but it could cost you. Everyone has different coverage needs, and different insurers offer different benefits, customer service, and plans.
Fix: Take the time to compare insurers. Look beyond premiums and consider additional benefits, claims handling, and customer reviews.
Car Insurance Advice / Education and Road Safety https://t.co/KZOxAzTngb #ArriveAlive #CarInsurance@OUTsurance @Hollard @miwayinsurance @SAPrimeMeridian pic.twitter.com/79a28UWtoO
– Arrive Alive (@_ArriveAlive) February 20, 2025
Common Car Insurance Claims in South Africa
Understanding the types of claims most frequently filed in South Africa can help you choose the right coverage. Here’s what drivers commonly claim for:
Car Accidents
Collisions are the leading cause of car insurance claims in South Africa. Comprehensive car insurance coverage will protect you not only against damage to your own car but also any liability for damage to others’ property.
Theft and Hijacking
With South Africa’s high car theft and hijacking rates, make sure your coverage includes theft, hijackings, and loss of personal belongings left in the car.
Weather Damage
Hail damage, in particular, is notorious for leaving cars with extensive and costly repairs. Comprehensive policies typically include weather-related damage, but it’s worth confirming the specifics with your insurance company.
Third-Party Claims
If you’re at fault in an accident that damages someone else’s car or property, third-party claims can help cover the costs. Without this coverage, you could be personally liable for significant expenses. Even if you opt for minimal coverage, double-check that it includes third-party liability.
Tips for a Smooth Claims Process
Let’s take a look at the most important things to remember during the claims process so you can avoid making any mistakes.
Document Everything
After the incident, take photos of the scene and damage all the cars involved. This is important evidence that will help support your claim.
Report Incidents Promptly
Most insurers require you to claim within a specific time frame, often within 24 to 72 hours, so don’t wait. Delays can complicate the process and, in some cases, even lead to a denial of your claim.
Maintain Your Car
Regular maintenance can help to mitigate accidents caused by mechanical issues, which might not be covered. Always give your insurer complete and accurate information. Being transparent can help you avoid complications later.
Ensure a Stress-Free Claims Experience
Filing a claim doesn’t have to be stressful. Simply keep your policy up to date, be aware of any exclusions, and avoid making these common mistakes when claiming from car insurance. This way, you’ll enjoy a hassle-free claims experience when you need it.
Disclaimer:
The article aims to provide South African motorists with information on the most common car insurance claim mistakes and how to avoid them. However, always do your own independent research.
Get a quote for affordable Comprehensive car insurance for fixed premiums*, reducing excess*, and top-tier service. T&Cs apply.
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