‘Acts of God’ - Are you Covered by your car insurer?
Car Talk with Jacob Moshokoa · 15 May 2026 · 8m
Speaker 1: It's car talk on Cape Talk, and now we need to get into this discussion. Speaker 1: When you buy a car, most of us think about accidents, hijackings or theft when Speaker 1: it comes to insurance. But what about the things nobody can control. The sudden hailstorm Speaker 1: that destroys your windscreen, the tree branch that crashes onto your bonnet during heavy winds, Speaker 1: flash floods that wash away vehicles, or even fires sparked by lightning strikes. These are Speaker 1: what insurers often refer to as acts of God, unpredictable nature events that can cause Speaker 1: massive damage in just a few seconds, and with increasingly extreme weather being experienced across Speaker 1: South Africa, it's becoming a very real concern for motorists. So tonight we're unpacking exactly Speaker 1: what counts as an act of God when it comes to co insurance, what type Speaker 1: of cover motorists actually need to make sure they're protected, and where many South Africans Speaker 1: could be caught out by the fine print in their policies. We now go live Speaker 1: to co founder and CMO Ernest North to explore this further. He is from Naked Speaker 1: Insurance. Ernest, A very good evening to you, sir, and welcome to Car Talk. Speaker 2: Thanks for having me on the show, Jacob appreciate it. Speaker 1: And as for starters win insurance use the term act of God, what exactly does Speaker 1: that mean in the context of co insurance. Speaker 2: Interestingly enough, act of God is not used by insurers all that frequently anymore. More Speaker 2: commonly people are referring to catastrophe cover or damage from natural events. So in particular, Speaker 2: what I can say is…
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