<\/p>\n
Many motorists only discover the importance of their insurance policy when they need to claim. That\u2019s also when some find out that details disclosed when taking out cover can have a direct impact on the outcome of a claim.<\/p>\n
While insurers assess the circumstances of an accident or loss, they also rely on the information provided when the policy was first arranged. If there is a mismatch between what was disclosed and the actual risk, complications can arise.<\/p>\n
Understanding what insurers look for before a claim happens can help motorists avoid unnecessary disputes and ensure they have cover that accurately reflects their circumstances.<\/p>\n
Your premium is based on the risk you present<\/p>\n
Car insurance premiums are calculated using information about you, your vehicle and how it is used. The more accurately that information reflects reality, the easier it is for an insurer to assess and settle a valid claim.<\/p>\n
At OUTsurance, each client receives a personalised risk profile based on their individual circumstances. This helps ensure the cover is appropriate for their needs and that their premium fairly reflects the risk being insured.<\/p>\n
For this reason, it\u2019s important to review policy information carefully and disclose any material facts that could influence risk.<\/p>\n
Four details that can affect a future claim<\/p>\n
Many claim disputes across the insurance industry can be traced back to inaccurate or incomplete information.<\/p>\n
1. The regular driver<\/p>\n
The person who drives a vehicle most often should be disclosed as the regular driver. This is not always the vehicle owner.<\/p>\n
2. Business use<\/p>\n
A vehicle used for deliveries, ride-hailing services, sales visits or other business activities presents a different risk from one used solely for private travel.<\/p>\n
3. Overnight parking<\/p>\n
Whether a vehicle is parked in a locked garage, behind secure gates or on the street may influence how risk is assessed.<\/p>\n
4. Driving and claims history<\/p>\n
Previous accidents, claims, endorsements and licence suspensions should be disclosed when applying for cover.<\/p>\n
These disclosures are not about finding reasons to reject claims.<\/p>\n
They help ensure that the insurer has an accurate understanding of the risk being covered.<\/p>\n
If you need to claim<\/p>\n
If an accident occurs, the first priority is safety. Seek medical assistance where necessary and move to a safe location if possible.<\/p>\n
It\u2019s also important to collect information that may support the claim, including photographs of the scene, vehicle damage and the details of drivers and witnesses involved.<\/p>\n
OUTsurance clients can access Help@OUT for 24\/7 roadside assistance and 24\/7 panic assistance for medical and armed response.<\/p>\n
They can also submit windscreen claims via the OUTsurance App or with the assistance of a consultant.<\/p>\n
Once submitted, the claim is assessed by a qualified assessor. Depending on the findings, the vehicle may be repaired through approved service providers or settled according to the insured value selected on the policy, whether retail, market or trade value. The applicable excess will also need to be paid.<\/p>\n
A claims record worth considering<\/p>\n
Price is often a key factor when choosing car insurance, but claims performance is equally important.<\/p>\n
In 2025, OUTsurance recorded a low overturn ratio of just 3% at the industry ombud \u2013 its best performance in the past 10 years and the best overturn ratio in the industry.<\/p>\n
We also achieved a referral rate of 0.77 per 1 000 claims, improving on our previous best.<\/p>\n
These figures indicate a consistent approach to fair and defensible claims decisions.<\/p>\n
Combined with transparent excesses, efficient claims handling and the OUTbonus, clients get more OUT of their insurance than cover alone. They get confidence that their insurer will be there when it matters most.<\/p>\n
What is the NFO?<\/p>\n
The National Financial Ombud Scheme (NFO) is an independent body that resolves complaints brought by consumers against South African financial institutions.\u00a0The NFO is recognised as an industry ombud scheme by the Ombud Council.<\/p>\n
The importance of getting it right<\/p>\n
A successful claim doesn\u2019t start when an accident happens. It starts when you take out cover.<\/p>\n
Making sure your insurer has accurate information about who drives your vehicle, how it\u2019s used, and your driving history can help prevent avoidable complications later. And when you do need to claim, knowing what to expect can make the process considerably smoother.<\/p>\n
Get an OUTsurance quote today and enjoy confidence that comes with cover designed around your real-life needs.<\/p>\n
OUTsurance is a licensed insurer and FSP. The OUTbonus is a standard product feature, only paid after three claim-free years and is premium dependent. NFO 2025 Annual report: Statistics of top 25 participants. Internal non-life personal (calendar year (2020 \u2013 2023) and personal & commercial lines (calendar year 2024 \u2013 2025) ombudsman data. Ts and Cs online. Limits apply.<\/p>\n
Brought to you by OUTsurance.<\/p>\n
Moneyweb does not endorse any product or service being advertised in sponsored articles on our platform.<\/p>\n
#car #insurance #claims #succeed #dont<\/p>\n","protected":false},"excerpt":{"rendered":"
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