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NAKED Ernest North, Co-Founder: “While we fully support the government’s efforts to responsibly curb the impact of Covid-19, and fully encourage people to comply, each case will be judged on its own merits to determine whether breaking the curfew will it adds to the risk in a material way.
“For example, if a user decides to drive home after curfew, the risk is not significantly higher and the claim will not be rejected on the grounds of illegal activity. This is the same as a license disk for a vehicle that has expired for a month or two. It’s technically illegal, but it doesn’t materially affect risk, so because we don’t want to look for reasons to deny claims, it can reasonably be overlooked.
“But if driving after curfew forces you to take a new route, without street lights, because you are trying to avoid the obstacle you see ahead, then your illegal activity materially increased the risk and can be used to reject the Claim. “
SANTAM However, it is better for policyholders not to take risks. SA’s largest short-term insurance company told TimesLIVE: “Most insurance policies provide coverage for this eventuality. However, Santam advises clients to adhere to the regulations as any violation could have repercussions. “
KING PRICE: “King Price does not have a clause in our policies that specifically excludes coverage, when an accident occurs during closing hours. Nor will we change our policies to include such an exclusion in the future. We have had many claims where accidents occurred during closing hours and we have settled the claims. Insurers cannot deny claims for damages for accidents that occur during closing hours. An insurer can only rely on an exclusion, if the violation contributed to a loss. “
HOLLARD: “Hollard has several different motor vehicle insurance policies and while we may be entitled to deny such claims in terms of some of the wording of these policies, we would in all cases consider an incident on its merits. This would be to understand, among other things, how being on tour at that time could have contributed to any claim ”.
SURE: “Claims arising from incidents that occur between the hours considered as a curfew will not be automatically rejected. The circumstances of each claim will be reviewed on its merits. The curfew is not an exclusion in the wording of our policy. “
DISCOVERY INSURE: “We have not applied this as an exclusion to any claim, and each claim is evaluated on its own merits. However, the application of the curfew is not used in the adjudication of claims. “
GET IN TOUCH: Wendy Knowler specializes in consumer journalism. You can reach her by email: [email protected] or on Twitter: @wendyknowler
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