What are your responsibilities as a policyholder?
- It is your responsibility to ensure that your insurer always has your correct contact details so you can be able to receive policy communication. Take some time to read through the documentation as it will help you to better understand your cover. Please also check that the information contained in your policy schedule is accurate and if not, contact the insurer to correct. iWYZE Policyholders can update on the wyzeHUB without having to call!
- Ensure that you comply with the requirements of your policy in order to get full cover. Some of the requirements may be to take your vehicle for inspection. Again, you can do it all on the wyzeHUB as an iWYZE Policyholder. The app is available on Google Playstore and Apple App Store.
- Install a tracking device on your car with an accredited installer, failure to do this might result in not having cover for theft, attempted theft, hijacking or attempted hijacking.
Now that the formalities of the cover have been covered, what is next?
Human errors are the most significant cause of car accidents on the road; however, poorly maintained cars also contribute to accidents. It is the driver’s responsibility to make sure the vehicle they are driving is roadworthy and well maintained. Damaged parts might not be the cause of an actual crash, but they could contribute to the chain of events leading up to a collision.
Some safe driving tips:
- Use the appropriate lights when driving at various times and in different conditions. The range of visibility in bad weather, poorly illuminated or unlit stretches of road, is greatly improved when using full/high-beam headlights (‘brights’) safely without blinding other road users – for example, not when you are following another vehicle, if there is oncoming traffic (including cyclists or pedestrians), or when driving in fog as these lights reflect in fog. It’s important to familiarise yourself with the Road Rules in South Africa.
- Reduce your speed below the normal speed limit and use your discretion when navigating potholes and driving in generally poor or wet road conditions.
- Be alert, extra cautious, patient, and polite when negotiating intersections where traffic lights are out of order or impacted by power failures or load shedding – the crossing becomes a stop street or four-way stop and the same national Rules of the Road for a four-way stop apply.
- Unfortunately, due to frequent load shedding, road users will encounter this situation regularly and must adapt their driving behaviour accordingly to remain safe on the road. Ensure that your vehicle is always roadworthy and that all your vehicle’s lights and window wipers are working properly. It’s important to regularly check your vehicle’s tyre condition and tread grooves and consider the age of the tyres. Worn tyres and tyres that are below the minimum treads are very dangerous and could impact your insurance claim.
Safe and efficient drivers are always aware of their surroundings and regularly check and adjust their mirrors to keep an eye on what is happening on the road.
Don’t have car insurance?