Car Insurance Exclusions

[Warmachine]

Howdy there mates

Just out of curiosity; with the rate of civil unrest/protests in our beloved country, the two car insurance policies that I've had with company A and company B explicitly say that I as the insured am not covered for these protests.

However, both policies (as an extra) do say that I have SASRIA on my policy, and after doing a bit of reading, I see that SASRIA is the: "short-term insurance for riots, strikes, terrorism, civil commotion and public disorder to corporate/ commercial and individual policyholder."

Now my question is, which one is in effect in this instance?

The area I live in is at the core of most of these protests; student protests, pikitup/municipality workers etc. So the likelihood of being affected by these is increasingly high.

 

[Kosmik]

SASRIA is a government policy, basically you claim from that, it's passed through by your insurer.

 

[HapticSimian]

Your insurer doesn't cover you directly for that specific risk, but SASRIA does. A resultant claim would, under correction, still be through your insurer but ultimately against SASRIA's cover.

 

[Warmachine]

But you take it as an add-on onto your policy?

 

[HapticSimian]

But you take it as an add-on onto your policy?

Correct. If not taken, you're not covered for that risk. At least it's cheap.

 

[Warmachine]

Your insurer doesn't cover you directly for that specific risk, but SASRIA does. A resultant claim would, under correction, still be through your insurer but ultimately against SASRIA's cover.

Perfect explanation. Thanks a mil'

 

[ahoudet]

I should check if I'm covered... never thought about that and I've had to go near these places fairly often

 

[PhireSide]

See it as cheap insurance (FWIW) @R5 a month. Or the price of a burger and chips spread over a year

 

[SauRoNZA]

I was under the impression SASRIA cover is forced?

Maybe it's just always been automatically added because I've never not had it.

 

[DA-LION-619]

Have it as a add on through my broker.

 

[Hemi300c]

R2 p.m on cars and R4.50 p.m. on LDV's