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Who’ll pay to fix your car if it’s damaged during protest action?

As South African motorists, we become understandably anxious about news of protest action taking place on our roads.

Amongst immediate thoughts that come to mind are: “Do we have cover if the car is damaged? I can’t remember what the fine print of our car insurance policy says about damage caused during a riot.”

With civil unrest escalating ahead of the 2019 elections, there are drivers and business owners who could find their insurance policies don’t cover damage caused during riots.

Insurance companies routinely suggest you obtain cover against riot damage from SASRIA and it’s gratifying to know that most policies automatically include this cover. But it’s still best to confirm that it’s part of your policy.

What is SASRIA?

SASRIA is the acronym for South African Special Risks Insurance Association and is a state-owned, short-term insurance company. It was established in 1979 because insurance companies were not willing to provide cover for damage resulting from protest action. SASRIA covers you and your property against public disorder, civil commotion, strikes, riots and terrorism. Any material damage, disruption of business, car and construction risk, as well as damage to goods in transit are covered by SASRIA.

SASRIA only covers you within South Africa

South African motorists must remember that SASRIA only covers them inside South Africa. If your car is damaged by riots in neighbouring countries, you will not be covered.

Submitting protest action claims

Claims resulting from riot damage must be submitted directly to your broker or insurance company. The company will, in turn, take up the matter with SASRIA until it has been resolved.

Claims paid out by SASRIA

By March 2017, SASRIA had paid out claims totalling R766 million, an increase of 30.8% compared to that paid out in 2016. The number of claims rose by 22% and their severity by 29%.

To protect your property against riot action, make sure your home, business and car policies all include SASRIA cover. Give us a call today on 044 382 0550 to find out more.

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