Easter vehicle accident claims have fallen since 2022 but remain high
Insurance claims for vehicle accidents during the Easter month have shown an encouraging decline over the past two years, according to data submitted by members of the South African Insurance Association (SAIA) to an industry claims database.
In spite of the decrease in accidents, the Easter and Christmas period remain the two annual peak periods for motor insurance claims.
Figures collated from this database show that over the Easter month during the Covid-19 lockdown in 2021, there were 62 963 motor accident claims submitted by SAIA members to its database.
During the Easter period in 2022, there was a significant spike in motor accident claims, rising to 89,655, which marked a 42% increase from the previous year—following the easing of Covid-19 restrictions.
In the months in which Easter fell in 2023 and 2024, motor accident claims submitted by SAIA members declined by 18% and 4% respectively.
Lebohang Tsotetsi, Insurance Risks Manager at SAIA says: “While the non-life insurance industry saw a reduction in claims from 2022 to 2024, the Easter period remains critical for road safety. The drop in claims from 2022 to 2024 is encouraging, but accidents still occur at high rates during the holiday period. Motorists need to stay vigilant and drive defensively as traffic volumes increase.”
Easter and other holiday periods traditionally present the highest risk for road accidents, as roads become more congested with holiday travellers, says Tsotetsi.
Before setting out, SAIA recommends motorists take two important steps: first, review and update insurance policies to ensure adequate coverage, and second, follow essential safety measures. Having the right insurance coverage not only provides peace of mind but also ensures financial protection and practical support when it’s needed.
Safety tips:
1. Get adequate cover and review your insurance:
- Ensure your insurance covers all eventualities, including roadside assistance, accident cover, and emergency services. Knowing your coverage and the claims process in advance can make a huge difference in an accident.
2. Tips for safer driving this festive season:
- Check your vehicle: Inspect your vehicle to ensure it’s in optimal condition, with functional tires, brakes, lights, and battery to navigate traffic, rain, and potholes.
- Plan to arrive safe: Schedule your trip and GPS beforehand and fill up your tank before and when you can. Avoid peak and night travel times and schedule rest stops. Always buckle up.
- Keep your eyes on the road: Stay alert and avoid distractions; anything can happen in an instant. Your life is more important than that text.
- Practice defensive driving: Obey road rules. Be aware of yourself and surroundings – Keep a safe distance, drive within speed limits, and adjust driving in bad weather and congested traffic.
- Rest: Get enough rest before a long drive. Take breaks every two hours to avoid fatigue and keep your mind sharp. Do not ignore that yawn; energy drinks are not the solution.
“Road safety is a shared responsibility. By understanding the risks, motorists can make informed and positive decisions to reduce accidents. The holiday season should be for making cherished memories, not dealing with preventable accidents. Remember, prepare your vehicle, update your insurance, stay alert, and drive defensively,” says Tsotetsi.
