Understanding your exclusions

Every single day King Price pays out R1 million in claims…. Claims for car accidents, for stolen cars, for break-ins and for building damage, you name the disaster and we’ll be there, next to our clients, giving them a hand, however we can.

But there are times and situations where your cover won’t count, and where we won’t be able to assist you with your claim…. Just like every insurance company in the whole world (and probably the galaxy, but until I can get a new palladium core for my space ship, that’s just speculation).

These rare situations are called ‘exclusions’, and they are stated upfront in your policy document when you first start insuring with us.

Most of the exclusions are pretty straightforward…. You won’t be covered if you have an accident while driving under the influence of alcohol or drugs or for drag racing…. In fact, not only will you not be covered by your insurance if you do any of these things, but you could very well go to prison, because these are all pretty hectic crimes….

And the only kind of crimes the king endorses, are crimes against fashion…. Because I wear what I want and I have my own style.

These exclusions apply to your insurance regardless of the car you have insured, how long you have been insured with the king, or what kind of insurance you have opted for.

More often than not, if you’ve been 100% honest with us while signing up for insurance with King Price, and you adhere to the T&Cs in the policy wording, you won’t have any problems getting your car fixed or replaced…. After all, that’s what we’re here to help with!

But for your own peace of mind, it’s a good idea to make double sure you know that there are some instances when you won’t be able to claim…. You know, just in case you were planning on going to an all-day wine tasting, and then charging people for rides on your car’s roof…. Don’t do that!

Do you have any other questions about your cover from the king? Let me know by sending an email to clientcare@kingprice.co.za