Expired licence or unpaid premium? Cover still valid under new rules

Many insurers have been relying on technical grounds to reject legitimate claims.

Photo credit: Shutterstock

Passengers and motorists involved in accidents where the drivers had expired licences will qualify for insurance compensation under proposed rules that also allow customers with unpaid premiums to enjoy coverage, as the regulator seeks to curb arbitrary rejection of claims.

The draft Insurance (Claims Management) Guidelines, 2025 introduces strict timelines for claim processing, bans unreasonable grounds for rejecting claims, and imposes stronger customer service obligations on insurers.

PAYE Tax Calculator

Note: The results are not exact but very close to the actual.