Neglecting maintenance could jeopardise your car’s insurance cover

Motorists are being warned that neglecting routine vehicle maintenance could result in their short-term insurance claims being rejected, leaving them to carry the financial burden after an accident.

Dewald Ranft, chairperson of the Motor Industry Workshop Association (MIWA), a proud association of the Retail Motor Industry Organisation (RMI), explained that many consumers overlook the fact that all general insurance policies include a wear-and-tear and gradual deterioration exclusion.

“They also exclude mechanical and electrical breakdowns, which means policyholders are required to take reasonable steps to prevent damage and keep their vehicles in safe, working condition.

“When it comes to vehicles, ignoring a repair centre’s advice to replace worn brakes, bald tyres below a certain tread, faulty suspension, or broken lights can have serious consequences,” Ranft said.

He warned that insurance assessors will investigate whether poor maintenance played a role in an accident before approving any claim.

“If an accident is caused, or made worse, because a vehicle was not maintained in a roadworthy condition, the insurer can decline the claim. For example, if worn brakes prevent you from stopping in time, or bald tyres cause you to lose control in the rain, the insurer is within their rights to reject the claim,” Ranft explained.

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The National Financial Ombud has confirmed that wear and tear, gradual deterioration, and poor maintenance are among the leading reasons for insurance claims being declined in South Africa. While these exclusions are often discussed in relation to buildings and property, the same principle applies to vehicles.

The South African Insurance Association (SAIA) echoed this concern, emphasising that while having insurance offers peace of mind in times of loss, it remains the responsibility of vehicle owners to ensure their cars are roadworthy and properly maintained.

“It is always important to inspect your vehicle regularly and pay attention to warning signs,” said Themba Palagangwe, GM: Governance and Transformation at SAIA. “With the increase in climate-related events such as storms, hail, and floods in recent months, it is even more important for vehicle owners to be extra vigilant regarding the repairs and maintenance their vehicles need. This not only increases safety on the roads but also improves the chances of claims being honoured in the event of an accident.”

Ranft concluded with practical advice for motorists:
Service vehicles regularly and keep a record of all work done.

Act immediately on safety-related advice from a trusted repair centre.

Ensure tyres, brakes, suspension, and lights always meet safety standards.

“Maintaining your vehicle is not only essential for your safety and that of other road users, it is also a vital part of protecting your insurance cover,” he said.
“A small, timely repair could save you from a massive financial loss.”

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