Gotcha covered!

Gotcha covered!

Auto & General and the real meaning of insurance. Insurance companies do all sorts of interesting things – like impose 30% rejection targets, and offer their staff bonuses for rejected claims. One trick that’s apparently popular in vehicle insurance is to reject claims where, at the time of the accident, the vehicle was being driven by someone other than the designated “regular” driver.

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Reader's comments

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Submitted by : Antoinette O\'callaghan on 2011-07-04 17:15:31
Dear Craig, My name is Antoinette O’Callaghan and I head up Auto & General’s claims division. It is certainly not our practice to reject claims on this basis and I invite you to contact me directly to discuss this. I can be reached on or 021 527 8610.
Kind Regards

Editor's Note
Thanks O'Callaghan. We are glad you've taken your time to address this matter.
Submitted by : Brigitte Schutte on 2011-07-04 13:42:22
The insured gives the insurance company authority (mostly unknowingly) to obtain information from the tracking company / device when a claim is made with the insurance company or it is written in the fine print somewhere.

Essentially most tracking devices record some or all of the following: the movement of the vehicle, location, speed, stops, starts, driving habits (abrupt braking) etc. all information which can be used either way.

The original use of tracking devices - to recover stolen vehicles, has been "lost".
Submitted by : Craig Martin on 2011-07-01 17:07:35
I am aware of two claims that Auto & General rejected because of a smooth tyre. In one case the vehicle was parked and a neighbour reversed into it. One tyre was considered unroadworthy. Clearly an attempt to find a loophole and avoid paying the claim.
Submitted by : CL RUST of KEMPTON PARK on 2011-06-30 17:21:13
Kindly name the vehicle tracking companies who give the insurance companies the information.
Then we will know which tracking company to use.
Submitted by : Brigitte Schutte on 2011-06-30 15:25:42
another favourite one of insurance companies is: The accident occurred late at night / early morning de facto the driver had been drinking and therefore under the influence - claim rejected.

Also do not forget how insurance companies use the information obtained from tracking devices against the insured to reject claims.

Editor's Note
Yes please provide us with details of the Tracking Company


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