When you own a bakkie, especially one with a Beekman Super Canopy, friends and family are usually always asking if they can borrow your bakkie. Be it to move cargo or simply because their cars are in, you need to know the legalities around something happening to your vehicle while someone else has it.
Who is legally responsible?
A few factors could indicate who is legally viable should something happen to your vehicle. For instance, if a family member is in an accident and younger than 25 years old, you could incur a higher excess, depending on your insurer and cover.
In South Africa, the onus is on the owner of the vehicle to ensure their insurance company knows that someone else will be driving the car. Most business owners have rules and regulations in place for instances for employees are using company cars as well.
Who is the regular driver?
If you’re someone who tends to lend out your bakkie frequently, it can often occur that other people are driving the vehicle more than the regular driver. This could incur penalties or claims against the new driver. Other expenses like how long they’ve been licensed and how old they are could also play a factor.
Changes that impact your cover
In South Africa, it’s often common practice for parents to hand over their vehicles to children or spouses. This is where things can get slightly complicated and where claims can be rejected depending on the risk profile.
If the car owner won’t be using the car for a long period and it has been agreed that someone else will use the car, the onus falls onto the owner to inform their insurer. This includes changes to where the car is parked during the day and at night.
The big lesson is to be honest with your insurance when you’re lending out your bakkie or vehicle. Let them know when someone else will be driving it and get the driver’s information. Be it a family member or a friend.
The Growing Popularity of Bakkie Canopies in South Africa Bakkies have seen a massive rise in popularity over the years. Their versatility, ruggedness, and ability
The Cultural Significance of Bakkies in South Africa Bakkies are a fundamental part of South African culture. These versatile vehicles hold a unique place in
Since our humble beginnings in 1972 as a small family–owned business in Krugersdorp, Beekman has steadily grown to become the leading fibreglass bakkie canopy manufacturer in Africa, with well over 60 fitment centres across Southern Africa and export operations throughout the continent.
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