Why Your Car’s Condition Matters as Much as Your Cover
Motor insurance is a partnership; we commit to covering you for certain events, and you commit to looking after your car.
One of the biggest conditions for a valid claim? Keeping your vehicle roadworthy.
What Does “Roadworthy” Really Mean?
In your Pineapple policy, a roadworthy vehicle isn’t just one that passed an inspection once. A car is considered roadworthy when it’s safe, legal, and fit to drive every day.
That means meeting the standards set out in The Road Traffic Ordinances of South Africa (or similar laws). Key components must be in good working order, including:
Brakes – Fully functional and effective.
Tyres – Good tread depth, no excessive wear, cuts, or bulges.
Shocks & suspension – Working properly for stability and control.
Windscreen wipers – Functional and clearing properly.
Lights – Headlights, brake lights, and high beams must work and be correctly aligned.
Mirrors – Intact, secure, and giving clear visibility.
Why It’s a Policy Requirement
Insurance covers the unexpected, not damage that could’ve been avoided with basic maintenance. If your vehicle is found to be unroadworthy at the time of an incident, your claim may be rejected.
Examples:
Bald tyres causing you to skid in the rain = possible claim rejection.
Broken brake lights leading to a rear-end collision = claim could be impacted.
The same principle applies to driving behaviour: Speeding in bad weather or failing to slow for dangerous conditions can also affect your claim.
Your Responsibility
Keeping your car roadworthy is an ongoing responsibility. Here’s how you can stay on top of your vehicle’s maintenance:
Do regular inspections.
Book service visits before problems escalate.
Fix anything that could compromise safety.
Car maintenance is more than just avoiding claim issues. It’s also about keeping you, your passengers, and everyone on the road safe.
Bottom line: If your car is always roadworthy, you’re safer, your insurance stays valid, and you’re in a stronger position if you ever need to claim.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.