Beyond repairs – Is your insurance policy up to scratch?

A January 2025 ruling by the Pretoria High Court has highlighted the critical importance of understanding your vehicle insurance policy requirements and serves as a stark reminder that failure to comply with policy terms – such as ensuring a functional tracking device is installed in your car – can result in rejected claims, leaving motorists significantly out of pocket.

Juan Hanekom, national director of the South African Motor Body Repairers’ Association (SAMBRA), a proud association of the Retail Motor Industry Organisation (RMI), says that while many vehicle owners focus on choosing the right repairer after an accident, they often overlook the finer details of their insurance coverage. “Being involved in an accident or suffering a vehicle theft is stressful enough. The last thing you want is to find out that your insurance claim has been rejected due to a technicality,” he warns.

In the recent case, an insurer rejected a policyholder’s claim after their stolen vehicle was found to be without an operational tracking device, a requirement explicitly stated in their policy. Despite the policyholder asserting that a tracker had been installed, they could not provide adequate proof. The court ruled in favour of the insurer, reinforcing the principle that policyholders bear the responsibility of ensuring compliance with all policy conditions.

Hanekom stresses that similar risks apply to vehicle repairs. “If you fail to use an accredited motor body repairer, you may not only end up with subpar repairs but also risk having your insurer refuse to cover the costs due to non-compliance with their repairer network requirements.”

To avoid costly surprises, SAMBRA recommends:

1. Understanding Your Policy Terms – Ensure you are aware of any requirements regarding tracking devices, repairer networks, and claims procedures. Also be careful of low premiums which sound good but come with a high excess in the event of any replacement required.

2. Choosing Accredited Repairers – Always use an accredited motor body repairer to ensure quality workmanship and compliance with insurance stipulations.

3. Keeping Detailed Records – Maintain proof of compliance with your policy, including tracker installation certificates and repair invoices.

4. Clarifying Policy Changes – Regularly review your policy and confirm any updates with your insurer.

“Motorists need to be proactive,” Hanekom concludes. “Just as you wouldn’t entrust your vehicle to an unqualified repairer, you shouldn’t assume your insurance will pay out if you haven’t met the necessary conditions. Stay informed, choose accredited service providers, and keep meticulous records to protect your investment.”