Most insurance companies require you to inform them of damage or loss within 30 days of the incident and failing to do so could result
in your claim not being paid out. Here are a few guidelines to make submitting a claim easier:
Things you need to claim after an accident:
A quotation for repairs to the vehicle from an approved panelbeater.
A copy of the driver's ID and license.
The police case number.
A description of the accident. A sketch might also be required.
The details of any other parties that were involved in the accident.
Things you need to claim after hijacking or theft:
The police case number
A description of where and how the incident happened.
If a tracking device is fitted to the vehicle, details of the tracking company (if not indicated on the policy). If a gear lock is
fitted, the insurer will need to be supplied with the gear lock key.
Most often a waiting period will apply before the claim can be processed, which is usually between 10 and 30 days. The reason is that
most hijacked or stolen vehicles are found and recovered within that time frame.
Cover that is excluded on car insurance policies:
When the car is not in a roadworthy condition.
When the car is not in a roadworthy condition.
Driver under the influence of alcohol or drugs.
Driving without a valid South African drivers licence.
The driver has an endorsed licence.
Unauthorised use of the car.
Using the car for any purposes other than those covered by the policy (i.e. racing).
Using the car in countries not covered by the policy.
Any other exclusions as indicated on the policy.
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