CAPE TOWN, South Africa – South Africans are rejoicing after the news that lockdown restrictions have been lowered to Level 2 which will let people move more freely between provinces.
However, the curfew remains in place so people are questioning whether their vehicle insurance will be valid outside beyond the curfew deadline.
What about theft, a collision….?
MasterDrive’s Eugene Herbert did some checking with his insurer: “The say a claim for a crash after curfew would not be rejected on those grounds alone but encouraged drivers to avoid being on the road after 10pm.
Except for an emergency.
“Additionally, while they can speak to their own policies about the validity of a claims after 10pm, this may vary between insurers. Every vehicle owner should check with their own insurer (and, The Corner suggests, get the answer in writing).
”This is especially so for those driving home from a late shift and those legitimately on the road at that time. Ask your insurer what they expect and explain your unique circumstances rather than arguing after the fact.”
WHAT ABOUT CANCELLING A POLICY?
OWNERS TRYING to reduce their monthly expenses are also advised against cancelling insurance: “Even if you will be working from home for the foreseeable future cancelling your insurance can have negative effects. Primarily, insurance is there to cover your for the unexpected.
Crime is expected to increase in coming months so cancelling insurance is a risky decision.
“Don’t think you have no chance of crashing on your quick trip to the shop. At least half of all crashes happen five minutes from home because people drive with an ‘auto’ mindset, face an increased chance of being involved in a car-park collision, and have a greater tendency to drive distracted.
”It could cost you thousands.”
Other disadvantages of cancelling your insurance for a brief period include:
#Higher premiums once you resume insurance coverage as your risk profile will be higher.
#Breach of contract if your vehicle is still under finance, which can put you at risk of losing the vehicle. In both of these scenarios it pays to know where you stand.
“Find out what your coverage will be if you are caught out after curfew, for whatever reason, or if you qualify for a reduction while working from home. Either way, knowledge is power when you make a decision related to your insurance coverage.”