Car Insurance – Driving outside South Africa’s curfew hours is illegal if you’re not performing an essential service, or attending to a medical emergency.
But if you break the law and make an accident, your insurer should still honour your claim.
Driving outside government’s stipulated curfew hours may be illegal if you are not in possession of a permit,
but that shouldn’t be the reason why your car insurer doesn’t honour your claim should you get involved in an accident.
New regulations – including an extended curfew of between 23:00 to 04:00 outside of hotspots,
and from 22:00 in hotspots – were introduced this month to help limit the spread of the coronavirus.
You are not allowed outside your place of residence during this time.
The only exceptions are for those who have been
“granted permission through directions by the relevant cabinet member or have a permit” to perform an essential service.
Those attending to a security or medical emergency are also allowed out outside of curfew.
Effectively, driving outside of curfew hours for other reasons is illegal. But if you make an accident, you will still be able to claim from your insurance.
Client experience partner and head of insurer King Price’s legal team, Wynand van Vuuren,
said if an insurance policy does not specially exclude any cover for damages caused by an accident after curfew, insurers cannot reject a client’s claim.
“While you are not allowed to drive after lockdown hours without a permit,
that in itself is no reason for an insurer to reject your claim, as it doesn’t materially affect their risk,” van Vuuren said.
Consumers should be aware of the “causal nexus” principle which means
the reason an insurer’s rejection of a claim must be directly linked to the cause of the accident.
“For example, all insurance policies state that your vehicle must always be in a roadworthy condition.
But if your tires are worn, and someone drives into you at an intersection while you are standing still,
an insurer cannot reject your claim, as there was no ‘causal nexus’ between the worn tyres and the accident,” said Van Vuuren.
Old Mutual Insure, whose brand iwyze offers car insurance, said it recognises both essential and non-essential workers with or
without valid permits may need to use their vehicles during curfew periods for emergencies.
“(We) undertake to treat each motor claim that we receive on its merits without applying
general acceptances or rejections that do not consider the details or the fairness of each case.
In the meantime, Old Mutual Insure encourages all policy holders to comply as closely as possible with official guidelines on social distancing,
including the current travel curfew,” the company said.