ZAThis article discusses common reasons why insurance claims can be problematic, focusing on car and home insurance. It highlights that 35.4% of complaints resolved by the Ombud for Short-Term Insurance (OSTI) in 2025 were related to car insurance, primarily due to claims being rejected based on policy exclusions. The article outlines several factors contributing to claim complications, including incomplete or inaccurate personal information, lack of understanding of policy exclusions, underinsurance, poor maintenance of insured property, and failure to meet specific conditions of coverage. It emphasizes the importance of providing accurate information, understanding policy terms, and maintaining proper care of insured assets to facilitate smoother claims processes.
Bias read (Center): The article presents general advice on improving insurance claims processes without taking a clear ideological stance. While it references the OSTI report, it does not frame the issue in a politically charged manner or emphasize particular political agendas. The tone remains informative and balanced
