What you know now could save you from a claim being rejected later
Did you know that there are times and situations where your car insurance won’t count and your insurer won’t be able to assist you with your claim? These rare scenarios generally involve an exclusion, which is a circumstance that isn’t covered by your insurance. If you’ve signed up with a decent insurer, these exclusions will be up front and centre in your policy docs, explaining quite clearly what isn’t covered by your insurance contract.
Most exclusions are the same across every insurance company in the whole world and they’re usually pretty straightforward. You know, the kind of clause that just makes sense. Like how you won’t be covered if you’ve been in an accident while driving under the influence of alcohol or drugs. In fact, not only will you not be covered by your insurance if you do this kind of thing, you could go to jail, because this is a criminal offence.
If you don’t want your car insurance claim to be rejected, then you definitely need to know the 8 most common exclusion clauses.
8 of the most common car insurance exclusions:
- You’re not covered if the driver refuses to give a breath or blood sample after the accident has happened.
- You’re not covered if you leave the scene of an accident unlawfully.
- You’re not covered if your insurer finds out that your car fails to meet the roadworthy requirements, set out by road traffic laws in South Africa.
- This fits in with the third most common exclusion, but it’s so common that we must mention that you’re not covered if your tyres are damaged or classified as ‘illegal’ at the time of the accident, for example, if your tyre has less than 1mm tread remaining.
- You’re not covered if your car is used for towing, law enforcement, emergency services, or to transport fare-paying passengers.
- You’re not covered if your driver’s licence is invalid (such as if it’s expired) or is endorsed (like for drunken driving).
- You’re not covered if it’s discovered that your car has been filled with the wrong fuel.
- You’re not covered if the incident involved racing with your car.
The more you know
It’s super important to take a close look at the exclusions section of your car insurance policy. Exclusions apply to your cover regardless of the car you have insured, how long you’ve been insured, or what kind of insurance you’ve gone for. By knowing what’s not covered and seeing how easy (or difficult) it is to find this info out from your insurer, you’ll have a good grasp on what to avoid and you’ll be all the wiser when it comes to choosing which insurer you can trust to have your best interests at heart.
For example, while most insurers stick the important details in a heavy doc, filled to the brim with legalese and confusing jargon, King Price has reworded their policy info so that it’s written in plain English. They also go 1 step further, because while the depreciation of your car’s value isn’t covered by car insurance companies, King Price actually offers decreasing premiums based on this very thing.
So, if you get comprehensive car insurance with them, they’ll automatically reduce the premium amount that you pay every single month, which is calculated by taking into account the depreciating value of your car.
If you want to see what it’s like to be on the receiving side of super cheap premiums and royal service, just click here for an commitment-free quote.