If you drive in South Africa, you already know that our roads serve drama hotter than a Durban curry. Potholes pop up like surprise guests, taxis behave like they’re auditioning for an action movie, and some people still believe an indicator is optional. Luckily, the king has seen it all. Let’s unpack the 7 car claims we deal with most often and how you can dodge them.
Rear-end accidents
It’s the classic. The robot goes green, the person in front forgets that green means go, and your bumper pays the price. Rear-end bumps make up a huge chunk of claims in the kingdom. To avoid this, keep a proper following distance, stay alert in stop-and-go traffic and put the phone down, WhatsApp can wait.
The parking lot jungle
Parking lots are a hotspot for mystery dents and scratches. To avoid issues, park a little further from the entrance, reverse into your bay so you can see clearly when you head out and choose bright, well-lit basement spots. Your car will thank you later.
Windscreen cracks and chips
Windscreens crack faster than your patience in traffic. 1 small stone on the highway can turn a great day into a grumpy 1, especially on long-distance routes where debris loves to launch itself at your car. Your best defence is simple. Keep a safe distance from trucks so loose gravel isn’t flung straight into your glass and fix small chips as soon as you spot them.
Theft and hi-jacking claims
Car theft and hi-jacking are still some of the biggest risks in our big cities. Criminals move fast, which means you need to stay 1 step ahead. Make sure your tracking device is always active and working, stay alert when pulling into your driveway or stopping at intersections and keep your valuables out of sight. If you can take them inside with you, even better. Small habits go a long way in keeping your ride where it belongs.
Pothole damage
If potholes were a sport, South Africa would take gold every year. They sneak up on you, and before you know it, your tyres and rims are begging for mercy. Most of our pothole claims come from night-time driving, where hazards hide in the dark. Slow down after sunset, stick to well-lit roads wherever you can and keep your tyres inflated to the right pressure. A little caution saves a lot of rubber.
Side-swipe accidents
Side-swipe accidents happen when someone drifts into your lane or squeezes past you while overtaking. It’s usually thanks to blind spots or a bit too much confidence behind the wheel. Your best defence is simple. Check your blind spots every time, indicate early so everyone knows what you’re planning and avoid sharing lanes with weaving taxis. It keeps the peace and your panels intact.
Storm and hail damage
1 minute the sun is out and the next your street looks like a snow globe. Hail storms hit hard and fast, so keep an eye on weather alerts, use covered parking when you can and pull over safely if a storm catches you on the road.
Ready to avoid these claims altogether
Accidents happen, even to people who drive like saints. That’s why the king includes helpful protection like accident assist and roadside assist for comprehensive policyholders. From towing your car to helping you after an incident, we’ve got you.
For minor bumps, our scratch and dent cover keeps your car looking fresh. And if potholes are your nemesis, tyre and rim cover is a lifesaver.
You can’t control South African roads. But you can control your insurance. Chat to the king for comprehensive car cover that decreases monthly as your car depreciates, saving you cash while giving you royal protection.
FAQ
What claims happen most?
Rear-ends, parking dents, windscreen chips, pothole damage, hail, theft and side-swipes.
How do I avoid rear-end accidents?
Keep your distance, stay alert and ignore your phone.
How do I prevent pothole damage?
Slow down at night, use well-lit roads and keep tyre pressure correct.
How can I reduce theft or hi-jacking risk?
Keep your tracker active, stay alert and hide your valuables.
Does King Price cover dents, tyres and windscreens?
Yes, we offer scratch and dent cover, as well as tyre and rim cover.
