Is your car insured against unexpected risks?
Car insurance provides you with cover in the event that your vehicle gets stolen, hijacked, involved in a collision or damaged by fire BUT it also offers cover against other types of mishaps. Are the following unexpected risks stipulated in your policy?
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While you might know the basics of what is covered by your vehicle’s insurance policy, you might not be aware of some of the unexpected risks that car insurance cover takes care of for you.
Your comprehensive policy covers you for things that are out of your control, such as car theft (or hijacking) and severe weather episodes (vehicle damage sustained during a hail storm, for example). However, there are some surprising things your policy covers that you might never have thought of.
While it stands to reason that there are differences between insurance companies’ respective policies, these are a few of the general risks you might not have expected to be covered against…
Falling objects
Nothing is quite as synonymous with “unexpected risks” as objects falling out of the sky. Space debris, meteorites, and grand pianos are not objects that you expect to land near you. But such events, rare as they might be, are a fact of life, and if they happen, it is nice to know cover is there should you need it.
Apart from damage sustained from stray object/s hitting your vehicle, some car insurance policies may cover you for an accident you caused while attempting to avoid a falling object (such as something that detaches from another vehicle, or most likely, falls off the back of a truck) by swerving or braking heavily.
Rodents
Mice and squirrels have their cute moments, but they stop being cute when you find that they’ve chewed through your car’s wiring (mice can be at fault, but rats are often the biggest perps). The fact that they can damage your car is as unsurprising as the surprising fact that your insurance might cover it.
Damage cover for rodent catastrophes is routinely part of comprehensive policies, often falling under an “other than collision” clause. Check whether your car insurance policy stipulated rodent damage under unexpected risks, especially if your area is abundant in squirrel life or prone to rat and mice infestations.
Animal collision
When travelling on open roads (especially in rural areas, also known as the platteland), you may have seen road sign warnings for wildlife crossings. Whether a tortoise, an antelope or a hippo, animals are a real threat because they can cause vehicle accidents, even when drivers do their utmost to avoid them.
More often, however, an animal collision is likely to be caused by cattle (or other kinds of livestock) wandering into the road. While you can’t hold anyone responsible for a wild animal roaming freely on the road, you may or may not be able to hold a farmer liable for the damage his animal caused to your car.
Note that when making a claim for this type of damage, whether you’ve collided with a domestic animal (like a goat) or a wild animal (like a kudu), you must obtain a police report and submit it to your insurer.
Riots
Riots and public disorder are not usually front of mind when purchasing a car insurance policy.
Cover for accidental or deliberate damage caused by anyone taking part in a strike, riot, or protest in South Africa is undertaken by the South African Special Risks Insurance Association (SASRIA).
SASRIA is a short-term insurance product that specifically covers damage from these events. You might find it offered as an add-on to your policy, but some companies bundle it in with comprehensive cover.
Potholes
Potholes are a common sight on South Africa’s roads; they have ruined many a tyre or alloy rim/steel wheel. While the City of Johannesburg has been working to improve the problem after almost half of its roads were classified as being in poor or very poor condition, the chance for damage is still pretty high.
If you hit a pothole (even when you drive with care), your insurance might cover the damage caused to your vehicle’s tyres, rims/wheels or – in the worst cases – suspension. Whether or not your claim will be honoured will depend on how your insurance company regards your day-to-day driving conditions.
That’s because if you regularly drive rough roads, the wear and tear on your vehicle’s suspension or shock absorbers would not be covered. However, if the road you drive is in good repair and you hit an isolated pothole, the damage to your car’s tyres or other parts could be covered as an accidental event.
Flooding
If you live in an area prone to flooding, your home insurance policy does not cover it unless you have an add-on specifically for flooding events. However, comprehensive car insurance cover could reimburse you for damage that happens due to something other than a collision, which may include flooding.
Possible flooding damage to your vehicle could encompass a waterlogged engine, chassis damage, rusting, or other issues.
Accident-related interior damage
If you happen to be sipping on your morning smoothie while driving and someone’s car hits your vehicle from behind, that spilt liquid can easily ruin your car’s interior. Since the accident caused the spill, your insurance should cover cleaning up the inside of the car along with the panel beating. The same cover should apply to the state of your car’s interior if your vehicle is stolen and subsequently recovered.
And what about injuries suffered by pets if they are travelling in your vehicle when an accident occurs? Because pets aren’t usually secured by seat belts, they are more vulnerable than human occupants in the event of a collision. For pet owners who often travel with (usually) dogs in the car, a not-so-common insurance cover may be available to cover the veterinary costs if your pet gets hurt in an accident.
If your current policy does not cover this and you deem it worthwhile, you might want to find out whether you can purchase coverage for these unexpected risks as an add-on.
Check Your Car Insurance Cover
Many of these unexpected events are highly unlikely to ever happen to you. Having said that, the point of having car insurance is to cover the unforeseen and unwelcome surprises that result in damage and inconvenience. It pays to read your policy closely to know what you are protected against.
That’s why it’s wise to review your car insurance policy periodically! Visit the Budget Insurance ‘site or phone 086 1600 120 – its team of experts will endeavour to help you get the insurance cover you need.
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