Winter in South Africa brings with it a unique set of driving challenges—icy windscreens, slippery roads, and reduced visibility can all contribute to a higher risk of accidents. While it’s vital to protect yourself and your passengers, it’s equally important to ensure your vehicle is winter-ready and your car insurance policy remains valid. Failure to maintain your car adequately can sometimes void your insurance in the event of a claim.
Here’s a practical guide to winter-proofing your car and staying compliant with your insurance terms.
1. Check Your Tyres
Cold weather causes tyre pressure to drop, which can lead to poor road grip and longer braking distances. Check that your tyres:
- Have sufficient tread depth (at least 1.6mm)
- Are inflated to the manufacturer’s recommended pressure
- Show no signs of cracks or wear
If you drive in areas prone to frost or snow, consider switching to winter-friendly tyres for better traction. Tyres in poor condition can be a red flag during a claim assessment.
2. Test Your Battery
Low temperatures can significantly affect your car battery’s performance. A weak battery may struggle to start your vehicle, especially during early morning drives.
Before winter peaks:
- Have your battery tested at a service centre
- Clean off any corrosion on the terminals
- Replace it if it’s more than three years old or showing signs of weakness
Some insurance providers consider vehicle breakdowns due to poor maintenance as negligence, which may influence your claim outcome.
3. Ensure Lights and Wipers Are Fully Functional
Shorter days and frequent rainfall mean your lights and wipers are essential for visibility. Check:
- All headlights, brake lights, and indicators are working
- Your windscreen wipers don’t leave streaks and are not cracked
- Your washer fluid is topped up with a solution that prevents freezing
Not being able to see—or be seen—on the road poses a safety hazard and could complicate liability if you’re involved in an accident.
4. Keep Your Windscreen and Windows Clear
A frosted or fogged-up windscreen is dangerous and illegal to drive with. Always:
- Use a windscreen cover if parking outdoors overnight
- Carry a soft scraper and microfibre cloth in the car
- Ensure your defogger and demister are working properly
Insurance providers expect reasonable precautions from drivers. Not clearing your windscreen could be seen as negligence if an accident occurs.
5. Maintain a Winter Emergency Kit
Be prepared for the unexpected with a basic emergency kit that includes:
- A reflective triangle and high-visibility vest
- A flashlight with extra batteries
- A portable phone charger
- A first aid kit
- Non-perishable snacks and bottled water
- A blanket
This can be a lifesaver if you get stuck in bad weather or face a breakdown in a remote area.
6. Check Your Insurance Policy Conditions
Winter conditions may increase the chances of accidents and breakdowns. Review your car insurance policy to ensure:
- Your cover includes towing and roadside assistance
- You understand any exclusions for poor vehicle maintenance
- Your premiums and paperwork are up to date
Policies may vary, but most insurers require your vehicle to be roadworthy for a claim to be processed. It’s always best to read the fine print.
Final Thought: Prevention Is Better Than a Claim
Winter driving doesn’t have to be stressful. With a well-maintained vehicle and a solid insurance plan in place, you can face the season with confidence.
If you’re looking for a provider that values preparedness and transparency, it’s time to get covered with Pineapple insurance—designed for real life, no matter the weather.