Protection for the Risks That a Standard Policy Doesn’t Cover
Your regular motor insurance covers the usual suspects, i.e. accidents, theft, and natural disasters, to name a few. But some events are simply too big, unpredictable, or politically charged for standard insurance coverage.
That’s where SASRIA comes in.
What is SASRIA Cover?
SASRIA SOC Limited is a state-owned Insurer that protects against “special risks”. These are events so widespread and unpredictable that private insurers won’t touch them!
For your car, SASRIA covers damage caused by:
Riots, strikes, or public disorder (including civil commotion, labour disturbances, or lockouts).
Acts aimed at overthrowing or influencing a government or authority by force, fear, terrorism, or violence.
Acts intended to bring about political or social change, or to protest against an authority.
Any attempt to carry out the above.
Lawful authorities stepping in to control or prevent these events.
Why It Matters for My Vehicle
Protests, civil unrest, and strikes are almost as South African as a boerie roll. And one thing about these events? They can sometimes cause property damage. Without SASRIA, if your car is damaged in these situations, your standard motor policy would almost certainly reject the claim.
With SASRIA, you’re covered for these events, up to the insured value of your vehicle. Example: If your car is damaged during a riot or protest, SASRIA steps in where your standard cover can’t.
How It Works with My Pineapple Policy
SASRIA is either added to your policy or included as an optional extra. In your Pineapple policy, it’s listed separately with its own small premium (e.g., “Motor (No. of Vehicles) – R2.02”).
While SASRIA is linked to your main policy, it has its own terms, conditions, and exclusions, which are outlined in the SASRIA policy wording (Annexure 15 for Motor Insurance).
This includes:
Specific total loss provisions.
Reporting requirements.
Territorial limits (usually South Africa, with temporary cover in Namibia).
Bottom line: SASRIA provides crucial protection against high-impact events that your standard policy won’t cover. A small premium buys you big peace of mind.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.