Keep your vehicle covered

Avoid deadly distractions behind the wheel

Not texting is a start, but there's more to safe driving. Here’s the bad news: Distracted driving causes thousands of accidents every year, many of them fatal. The good news? If you're driving, it's 100% preventable. You've seen them around your city or town. You may...

10 Tips to Protect Your Car’s Suspension System

Your vehicle's suspension system ensures a smooth and safe ride, protecting critical components from wear and tear. Understanding and maintaining the components of the system is essential, not just for comfort but also for the stability of the car on rough roads....

The what, why and how of a Vehicle Identification Number

If you’ve ever bought motor insurance, you’re likely to have come across the terms Vehicle Identification Number or VIN and chassis number. You must wonder why insurance companies insist on having this information. That’s because VIN is like a genetic identifier for...

What Is ORVM In Car And How Does It Work?

When you adjust the side mirrors before driving, you deal with the Outside Rear View Mirrors (ORVMs). These mirrors are essential for safe driving, helping you see what’s happening beside and behind your car. This post will discuss what ORVMs are, how they function,...

How to Track a Vehicle with GPS: A Simple Step-by-Step Guide

GPS-based vehicle tracking is today, one of the most helpful tools since it can be employed by any individual or company who wishes to keep track of their cars, trucks or any other vehicle. Thanks to today’s cheap GPS tracking devices, a vehicle owner can easily place...

How To Rebuild Your No Claims Bonus After An Accident

If you’ve had an accident, it can feel like all the good work you’ve put into building your No Claims Bonus (NCB) has gone down the drain. But here’s some good news, you can rebuild it. Your NCB in car insurance works like a reward for safe driving, and that lovely...

Safety Tips For Driving In Floods

Often when we get stuck while driving through floods we panic and force through the water. Instead you need to stay calm and follow these instructions. Situation One: Water Level Is Above Tyre Level  When water level is above the tyre level it's no use forcing...

Car Defogger and How to Use Them?

Have you ever experienced your car windows and windshield suddenly fogging up? It can be scary since poor visibility may cause a dangerous road accident. Driving in the cold or rainy seasons can often lead to foggy windows. This is a common problem, and can quickly...

How to choose the right commercial insurance policy

Unpredictability is the only predictable thing about business right now. Over the past few unprecedented data breaches, and global pandemics have all taken front stage in the insurance industry. And no business is immune.  With the range of commercial insurance...

Car Starting Problems: Reasons, Fixes, & Troubleshooting

Car starting problems are common for any car owner and are often a nuisance. Whether it's a car self-start problem or issues with the car's self-motor, understanding the underlying causes can help you address them quickly and efficiently. Common Reasons for Car Not...

It can be a nasty experience to be in a car accident. Other than the risk of injury, there can be a fair amount of admin that, let’s face it, no-one has time for. Now, can you imagine the devastating blow if your insurance claim is rejected?

While not the norm, there are a number of policy reasons why an insurance company might not pay you out. You want to be 100% confident your car is covered, so to avoid the chance of this happening to you, make sure you keep your vehicle insurance in tiptop shape with these suggestions:

  1. Provide full and correct details when applying, and update them as needed

Your full and updated details need to be with your insurance company at all times. It can present a big problem if you don’t disclose all details or misrepresent anything in any way (even if unintentionally!). Be honest and upfront from the beginning and remember to keep your insurance company informed should any details (like your address after moving) change.

  1. Always have a valid licence

Drivers of insured vehicles need to have a valid driver’s licence in their possession. If someone else is driving your car, make sure they also have a valid driver’s licence. If they don’t and are in an accident, your claim may not be covered.

  1. Pay monthly premiums on time

If you submit a claim and your monthly premium hasn’t been paid, then you won’t be covered.

  1. Never drink and drive

If you are involved in an accident and are found to be under the influence of alcohol or drugs, your insurer may reject your claim, even if you weren’t responsible for the damage. If you know you might be drinking, rather catch an Uber or a lift with a sober friend.

  1. Keep your vehicle in roadworthy condition

If you make a claim and it’s discovered that your car isn’t roadworthy, your claim can be rejected on those grounds. Keep your car service records up to date and fix any problems as they arise to ensure your car is in the best condition possible at all times.

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