Motor motor vehicle owners who do not hold their vehicle in a roadworthy situation not only area themselves at a larger risk of getting involved in an accident, but could also endure the monetary cost of getting an insurance claim repudiated.
This is according to Nazeer Hoosen, Executive Director: PPS Short-Term Insurance, who says that all motor insurance coverage policies state that the owner need to sustain the vehicle in an efficient and roadworthy condition that complies with the Road Visitors Act.
“When it comes to motor insurance, the principle of due care applies – in terms of the policy, the insured agrees to get all reasonable methods to prevent losses and this would include proper maintenance of the automobile,” stated Hoosen.
It is vital for car owners to realise it is their accountability to maintain their vehicles in a completely protected and legal state, extra Hoosen.
“Need to a motorist be involved in an accident and further investigation reveals that any element of the vehicle was not in a totally working condition and contributed to the trigger of accident, the insurance claim could be rejected on the basis of the car not currently being in a roadworthy state.”
Hoosen says there are particular problem places that motor vehicle owners must preserve an eye on to ensure that their motor car is considered to be in a roadworthy issue:
– Tyres: Always make sure the tread of all 4 tyres are inside of the legal limit of 1mm deep and that there is a spare tyre in working problem. Must the result in of an accident be determined as a consequence of worn tyres, the claim could be rejected.
– Electronic and mechanical parts: Make certain all electronically and mechanically operated components – including lights, indicators, brakes, hooter, windscreen wipers, battery and the alternator – are in working purchase. If an accident occurs as a outcome of faulty brakes or even broken brake lights, the declare might lead to repudiation.
Windows: Windows have to be fitted with safety glass that is clearly identifiable, and need to open and close very easily. Should theft from or of a motor automobile take place and it is determined that a window was broken and presented effortless access, the claim could be questioned. Specified insurers stipulate that windows need to be fitted with smash-and-grab film, so make certain you are aware of the demands of the policy.
– Seat belts: to ensure the safety of all passengers, it is critical to check that all seat belts are doing work, i.e. buckle in and out effortlessly.
Hoosen reminds motor vehicle owners that a great way to make sure that the car remains in a roadworthy condition is to make sure scheduled companies are not ignored.
“It is vital that automobile owners conduct typical checks to decide whether or not the vehicle is in a state of roadworthiness. By conducting standard checks, providers and standard upkeep to cars motorists can reduce the danger of having an insurance coverage declare repudiated.”