Many an insurance company has earned themselves a reputation for finding any excuse to not honour your claim. Truth is though, that many a claim is negated by the things we do and is stipulated in the fine print or covered under a clause in our policy.



Even if your vehicle is insured for comprehensive cover, your car insurance insurance company will not repudiate your claim for a number of reasons that are within your control to prevent. The following are some conditions that can give your insurer an escape out of the policy:

• If your tyres are worn and this leads to your vehicle skidding or slipping into another person’s car your insurer can deny the claim.
• If the person driving the vehicle at the time of the accident is not on the list of drivers approved to drive your vehicle.
• If your driver’s license has expired.
• If the car is not roadworthy.
• If the car has undergone modifications that have not been approved by the insurer.
• If you were driving over the legal alcohol limit.
• If you have an accident on a racetrack.

While these are some of the standard conditions that an insurer can use to deny a claim, each policy is different. Make sure you read the fine print otherwise you may be disappointed because you failed to live up to the agreement.