As a visionary automobile insurance coverage supplier dead-set on altering the best way automobile insurance coverage is finished, we pleasure ourselves on being a pressure for good. However which means we’re usually serving to our fellow South Africans throughout some fairly terrible occasions… And because of this we’ve seen our justifiable share of insurance coverage claims.
We’ve gathered the extra frequent and expensive automobile insurance coverage claims so we are able to spotlight what’s occurring and how one can forestall it from occurring to you.
Listed here are the biggies, in addition to tips about learn how to keep away from them.
Accidents brought on by distracted driving
‘That tree got here out of nowhere!’
‘I took my eyes off the street for half a second…’
‘I used to be simply altering the track when BAM!’
Do any of those sound acquainted? Likelihood is, you’ve heard family and friends describe incidents on the roads with some variation of those traces. In accordance with the AA, an worldwide research revealed that round half of the contributors had been distracted by their smartphones and nearly drifted or sort of swerved into one other lane. Half, guys.
The actual fact is that distracted driving is a number one explanation for automobile accidents, and it’s solely preventable. Maintain the sound at an affordable quantity and both put your cellphone on silent or flip it off earlier than you begin driving. If that you must make a name or ship a message, pull over to a secure place first.
It’d sound like we’re asking you to be luddites, however security first. All the time.
Injury from hitting potholes
One of many realities of driving on roads which have turn out to be riddled with holes (not in contrast to Swiss cheese) is the injury to your tyres and wheels. It’s not nearly a burst tyre, it’s the edges, and your automobile’s suspension.
We’d go as far as to say that potholes had been the principle inspiration for the king’s tyre and rim insurance coverage, which suggests which you can restore or exchange your tyres and rims with out dipping into your personal pocket.
There’s a easy trick to navigating one of these declare and that’s to take it gradual and listen. In the event you’ve acquired your eyes on the street, you’ll be able to rapidly decide up that it’s in a nasty state and take that as your cue to decelerate. This offers you the time and house to securely keep away from the holes, cracks, and crevasses.
Shock shock… Automobile theft is a giant drawback in South Africa. However there are issues you are able to do to keep away from this occurring to you. Equivalent to at all times parking your automobile in a well-lit space and double-checking that your distant has truly locked your automobile. You may also disguise valuables within the boot and take into account putting in a monitoring machine.
As for these nefarious thieves who merely gained’t be deterred? Nicely, that’s the place we step in and have you ever coated in opposition to the price of changing your automobile.
Engine injury resulting from neglect
Issues do go incorrect unexpectedly, that’s true. However issues additionally go incorrect in the event that they’re left unchecked. That is very true of your automobile’s engine. With out common upkeep, like oil, coolant, and different fluid checks, in addition to routine providers, you could possibly end up coming to an abrupt cease. Full with a puff of smoke. Chances are you’ll even get into an accident because of this.
That’s a double-whammy of prices coming your manner, since you’ll have your broken engine to repair, in addition to any prices associated to the accident. And you realize what? There are some situations the place engine neglect can void your insurance coverage, so that you gained’t be capable of declare.
Mainly, take care of your child.
Accidents brought on by driving underneath the affect
Do you know that over 60% of street accidents in South Africa are brought on by drunk driving?
The actual fact is that driving underneath the affect of medicine or alcohol is unlawful and very harmful. It’s additionally a purpose for automobile insurance coverage claims to be rejected and, in some instances, on your coverage to be cancelled.
To not get too severe, however it is a severe topic. So please, plan forward and prepare for a sober driver or a ride-sharing service in case you plan on ingesting.
Higher but, get the king’s cab. This fashion, in case you’re going out in town and know you’ll be ‘over the restrict’ if you’re able to go house, we’ll drive you (and your automobile) safely into your personal driveway. It’s a small further price… For large peace of thoughts.
We hope that this information was useful. Don’t overlook in regards to the king’s easy low-cost automobile insurance coverage choices and extras, which swimsuit a variety of budgets and wishes.
Simply get in contact with us, both on-line and even over WhatsApp on 0860 50 50 50