Common reasons a claim might be rejected:
Fraud, dishonesty, or leaving out key facts.
Causing the damage on purpose.
Using your car outside the declared “Description of Use” (e.g., Ubering with a Private Use policy).
No valid driver’s license.
Driving under the influence.
Car not roadworthy.
Leaving an accident scene without exchanging details or getting SAPS clearance.
Leaving keys in the ignition at a petrol station.
Gross negligence (e.g., drag racing on the N2).
Pre-existing damage.
Driving through deep water beyond the car’s wading depth (hello, Joburg flash floods).
Skipping vehicle inspection requirements.
Not maintaining a tracking device when required.