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Can insurance refuse to pay for accidents during lockdown?

Ina Opperman Picture: iStock Few consumers realised how the various levels of lockdown, especially the initial strict levels, would impact on their insurance cover. Would you be covered after curfew and when driving where you were not allowed to according to the regulations? In one case the Ombudsman for Short-Term Insurance found that the fact that the consumer contravened Regulation 31 (2) of the Disaster Management Act Regulations under the Level 4 and 5 protocols, was not a direct reason for the accident and recommended the insurer pay up. A consumer submitted a complaint to the obudsman when his insurer rejected his claim submitted on 3 May last year after he was involved in an accident, because he contravened the regulations. He said the accident happened just after he received a permit to return to work as he travelled from one of his homes to another to get the laptop he needed for work.

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