King Price pays out R1 million in claims every single day. Car accidents, stolen vehicles, break-ins, building damage: if disaster strikes, we’re right there next to our clients, giving them a hand however we can. That’s the whole point of insurance, and it’s something we take seriously.
But, like every insurer on the planet (and probably the galaxy, though we’ll need a working spaceship before we can confirm that), there are situations where your cover won’t apply. These situations are called exclusions, and they’re written clearly in your policy document from day one. No fine print surprises. No hidden gotchas.
Key takeaways
- Exclusions are situations where your insurance policy won't pay out a claim.
- King Price lists all exclusions upfront in your policy document.
- Driving under the influence or drag racing will void your claim entirely.
- Exclusions apply regardless of your car type, cover level, or how long you've been a client.
- Honesty at sign-up and sticking to the Tu0026Cs is the best way to protect your cover.
What is an insurance exclusion?
- Exclusion
- A specific situation, event, or circumstance that your insurance policy does not cover. Exclusions are listed in your policy document and apply from the start of your cover.
An exclusion is a defined situation where your insurer is not obligated to pay out a claim. Think of your policy as a contract: it spells out exactly what is covered and, just as importantly, what isn’t. Exclusions aren’t there to catch you out. They exist because certain situations represent risks that fall outside the scope of standard insurance cover, often because they involve illegal activity, gross negligence, or deliberate actions.
Insurance exclusions are contractual provisions that define the boundaries of cover and must be disclosed to policyholders at inception.
At King Price, your exclusions are stated clearly in your policy document when you first take out cover. You can read them, ask questions about them, and make sure you understand them before you’re ever in a situation where they matter.
Common car insurance exclusions you should know
Most exclusions are straightforward, and honestly, most of them involve situations you’d want to avoid anyway. Here are the big ones:
- Driving under the influence of alcohol or drugs. If you’re impaired and you have an accident, your claim won’t be paid. Full stop.
- Drag racing or speed competitions. Your personal car insurance is not a motorsport policy. Racing voids your cover.
- Illegal use of your vehicle. Using your car to commit a crime means you’re on your own.
- Deliberate damage. If you intentionally damage your own vehicle, there’s no claim to be made.
- Driving without a valid licence. Your licence must be valid and appropriate for the vehicle you’re driving.
And just to be clear: it’s not only your insurance that takes a knock if you do any of these things. Driving under the influence and drag racing are serious criminal offences in South Africa. You could end up in court, not just without a payout.
Policyholders who are upfront about their circumstances at inception and who comply with the terms and conditions of their policy rarely encounter problems at claims stage. Exclusions are designed to address deliberate misconduct and high-risk behaviour, not honest mistakes.
Do exclusions apply to all types of car insurance?
Yes. Exclusions apply across the board, regardless of:
- The make or model of your insured vehicle
- How long you’ve been insured with King Price
- Whether you have comprehensive, third party fire and theft, or third party only cover
- Comprehensive car insurance
- The highest level of car insurance cover, which includes damage to your own vehicle as well as liability for damage to third parties, theft, fire, and natural disasters.
| Cover type | What it covers | Do exclusions apply? |
|---|---|---|
| Comprehensive | Your car + third party damage + theft + fire + natural disasters | Yes, all standard exclusions apply |
| Third party, fire and theft | Third party liability + fire + theft (not your own accident damage) | Yes, all standard exclusions apply |
| Third party only | Damage you cause to other people and their property | Yes, all standard exclusions apply |
King Price offers comprehensive, third party fire and theft, and third party only car insurance options, all subject to the same standard policy exclusions.
How to make sure your claim is never rejected
How to protect your King Price car insurance claim
Follow these steps to make sure your cover is valid and your claim won't be rejected.
Be honest at sign-up
Disclose all relevant information accurately when you take out your policy. Misrepresentation at inception is one of the most common reasons claims are rejected.
Read your policy document
Your exclusions are listed clearly in your King Price policy document. Read them when you first sign up so there are no surprises later.
Keep your licence valid
Make sure your driver's licence is current and appropriate for the vehicle you're insuring.
Never drive impaired
Do not drive under the influence of alcohol or any substance that affects your ability to drive safely. This voids your cover immediately.
Stick to legal roads and activities
Don't use your insured vehicle for racing, illegal activities, or any purpose excluded in your policy wording.
Contact King Price if anything changes
If your circumstances change (new car, new address, new regular driver), let King Price know. Keeping your policy up to date protects your cover.
The honest truth? If you’ve been straightforward with King Price when signing up, and you stick to the T&Cs in your policy, you’re unlikely to ever run into a problem claiming. The exclusions exist for extreme situations, not for everyday clients who just need their car fixed after a rough week.
Policyholders who provide accurate information at inception and comply with policy terms and conditions are protected for all covered events.
A quick note on the king’s only crime
The king endorses exactly one crime: crimes against fashion. Bold choices. Questionable patterns. Wearing what you want with zero apologies. That’s the kingdom’s style, and it always will be.
Everything else on the exclusions list? Best avoided. Especially the roof-riding after a wine tasting. You know who you are.
King Price daily claims payout benchmark
King Price pays out R1 million in claims every single day across car, home, and building insurance products in South Africa.
Key takeaway
Insurance exclusions aren’t there to trip you up. They’re the boundaries of your cover, written clearly in your policy from day one. Know them, respect them, and you’ll never have a reason to worry. The king is on your side, as long as you’re on the right side of the law.
Got questions about your cover? Drop us a line at [email protected] and the kingdom will sort you out.
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Frequently asked questions
A car insurance exclusion is a specific situation where your policy will not pay out a claim. Exclusions are listed in your policy document and typically cover things like driving under the influence, illegal activities, and deliberate damage.
No. Driving under the influence of alcohol or drugs is a standard exclusion across all King Price car insurance policies. Your claim will not be paid, and you may also face criminal charges under South African law.
Yes. Standard exclusions apply to all King Price car insurance cover types, including comprehensive, third party fire and theft, and third party only policies.
Your exclusions are listed in your King Price policy document, which is provided when you first take out cover. You can also download the policy document from the King Price website at any time.
Providing inaccurate information at inception (called misrepresentation) can result in your claim being rejected or your policy being cancelled. Being fully honest when you sign up is the best way to protect your cover.
Yes. Using your insured vehicle for racing or speed competitions is a standard exclusion. Your personal car insurance policy does not cover motorsport or racing activities.
Be honest at sign-up, read your policy exclusions, keep your licence valid, never drive impaired, and notify King Price if your circumstances change. Following these steps means your cover will be there when you need it.
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