::Barloworld ::Vehicle insurance – stick to the rules
Vehicle insurance is a grudge purchase. It is one of those compulsory expenses we are burdened with that we equate to throwing money in the water. When one buys a new car, comprehensive insurance is not negotiable.
However, read the fine print carefully. Comprehensive insurance is not as comprehensive as you might imagine. Here are just some of the conditions under which your insurance company will not honour a claim:
- If your wheels lock up on a wet road and you slide into another car and it is found that your tyres are worn beyond the legal limit.
- If you take your car out on a racetrack and crash it there.
- If your licence disk has expired.
- If the police report indicates that you were over the legal alcohol limit.
- If you have used the car to commit a crime when you crashed it.
- If your insurance demands a list of approved drivers and the car is crashed by someone who is not on the list.
- If your driver’s licence has expired.
- If the car is unroadworthy.
- If you had modified the car in any way that was not pre-approved.
Of course, most of these conditions are imminently reasonable, but insurance companies can be very sticky in paying out if you have not adhered to all the fine print. They will inspect your car to find anything amiss. They will even check the speed rating of the tyres you have fitted and can claim that you would not have made the accident, had you fitted tyres of the correct rating for your model. Even if the accident had occurred at 30km/h…
Rather approach the whole new car ownership experience in a perfectionist way and be sure to adhere to all the conditions in the vehicle insurance policy. Do not give the insurance company something to latch onto. If you remain blameless throughout, they will grin and bear it. Moreover, do not just claim for every little scratch, lest your premium goes up with your risk profile. You have to be smart when choosing the right vehicle insurance option, contact us for informed and reliable advice on car insurance policies.
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