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Insurers weigh in on the car parts debate (OEM vs CAP)

Nothing riles a car owner more than an insurer’s decision to repair an accident-damaged vehicle with aftermarket rather than original equipment manufacturer (OEM) parts, but the practice is commonplace and, subject to circumstances, considered acceptable by both the South African Insurance Association and the Ombudsman for Short-term Insurance (Osti).

An OEM part is a component that is manufactured for or on behalf of the manufacturer and fitted to the vehicle on the production line.

Aftermarket parts are generic versions of manufacturer-approved parts. “They may carry a Certified Aftermarket Part (CAP) certification, which is proof that the item will fit, perform and last like the OEM equivalent,” says Malcolm Rajah, general manager of motor procurement at Hollard Insure.

The Osti receives countless complaints from policyholders who are unhappy with the use of aftermarket parts, which they feel compromise their car’s performance or safety.

“Our approach to the OEM versus aftermarket part debate has been consistent over time,” says Peter Nkhuna, senior assistant ombudsman at the Osti. “We hold that the replacement of damaged parts with aftermarket parts can be undertaken where this is feasible and does not result in the consumer being prejudiced.”

Prejudice arises from the compromise of service and maintenance plans or warranties as well as safety considerations. Nkhuna notes that whether or not the use of aftermarket parts results in prejudice must be judged on the merits of each dispute.

South Africa’s insurers have slightly different views on replacement parts, but are reasonably aligned on the overarching principles. They can, and often do, elect to use aftermarket parts when repairing vehicles that are outside of a manufacturer’s warranty.

“It is international best practice to fit CAPs during repairs on motor vehicles outside of warranty or motor plan; our focus is on quality and meeting safety standards [with due consideration for] the cost benefits to both the policyholder and insurer,” said Gerhard Genis, head of quality management at Santam. He says CAP parts cost a fraction of their OEM equivalents and that the use of these parts often means the difference between repairing a vehicle and writing it off.

“An insurer has a legal obligation to indemnify you and to be reasonable in doing so; what is reasonable will depend on the specific circumstances of each claim,” says Nkhuna.

Genis says the central premise of insurance is to put the policyholder back into a similar position as before the loss or damage. But he says insurers are inconsistent in describing their replacement parts practices in their policy wordings. “Most local motor policies are silent regarding what type of spare parts should be used in a repair, and it is not usually addressed in the contract between insurers and policyholders,” he says. Santam’s policies are underwritten on a like-for-like basis, which gives the insurer the right to use alternative parts as long as these do not compromise the quality or safety of the repair.

Rajah says Hollard’s practice is to ensure that the vehicle claims assessor discusses the use of CAPs with the policyholder. You should, therefore, keep a close eye on the quote and interrogate your insurer or panel beater on the parts approved for use in the repair. An insurer should seek your consent before instructing a vehicle repairer to use aftermarket parts, Rajah says.

Nkhuna says the law is the final arbiter in replacement parts disputes: “Regardless of the provisions contained in an insurer’s policy, an insurer still has a legal obligation to be reasonable in its approach. The party that can substantiate its case will be the one that ultimately prevails.” This means you cannot insist on an unreasonable repair where an equally effective but less costly repair is possible. Likewise, you cannot insist on a replacement where a repair would be adequate. “The approach of keeping costs down is generally good for the collective of insurance consumers, even though it may compromise individuals in specific circumstances,” Nkhuna says.

Consumers also raise concerns that vehicle manufacturers might sidestep their ongoing liability if aftermarket parts are used in a repair. “Once a vehicle’s warranty has expired, the manufacturer, unless undertaking a specific parts recall campaign, carries no liability should a part failure occur,” says Rajah. “Where CAPs are sourced and fitted on vehicles that are out of their manufacturer warranty period, the parts supplier holds the guarantee.”

In 2009 the Osti issued a statement saying that “original factory-supplied components must be fitted whenever a critical component of the motor vehicle is damaged or where the warranty or maintenance plan of a vehicle may be adversely affected by the fitment of other components”. This position holds to this day, though it does not describe all circumstances in which OEM components should be fitted.


Article written by Gareth Stokes, who is a freelance financial writer specialising in insurance.
Featured in Insurance On Line
images by - Pixabay


SA Could be plunged into total darkness

According to a recent article release on Sunday 4th April 2021 in Sunday World, the headlines read “SA Could be plunged into total darkness”. Click here to see full article.

This relates to Eskom losing a court battle to stop a foreign-based multinational software corporation , Oracle Corporation, from withdrawing its crucial services over a dispute relating to billions of Rands owed by the power utility.

Without a proper supply of electricity from Eskom, almost the whole of South Africa will be in darkness and come to a standstill, potentially endangering the life, personal safety, or health of the whole or part of the population, according to court papers.

Energy expert Ted Blom said the developments pointed to Eskom management’s “incompetence”.

A Blackout is a total crash of the power grid to an imbalance between power generation and power consumption, as hospital patients in Venuzuela found out early in 2019 during a five-day nationwide blackout leaving an estimated 26 people dead. Unprepared for the sudden loss of power, back-up generators in some hospitals failed, while others only had enough energy to keep a few of the most vital wards functioning.

In January 2008 Eskom controversially introduced “Load Shedding”, planned rolling blackouts based on a rotating schedule, in periods where short supply threatens the integrity of the grid. We have all become accustomed to the new way of life, some companies and individuals have already adapted by been pro -active by installing generators, solar panels and Uninterrupted power supplies to their business premises or home’s, but a Total Black out is very different.

“Are South Africans prepared for blackouts that could potentially last days”?

From an insurance point of view have you ever stopped to think how a Total Blackout could affect you and your business?

* If you don’t have a gas stove at home, what backup plan do you have in which to prepare meals.
* If you have an office with staff, what outcome would be met without the use of computers and access to the internet.
* If you manufacture products, you will experience an interruption in your turnover due to no output over a few days, unless you have massive generators with plenty of fuel.
* Not to mention businesses and homes that are vulnerable to theft/burglary due to the alarms system not been functional. (if a policy condition)

We have been asked the question “Does my insurance policy cover me against Total Blackouts?”, so let’s take a look at the Business Interruption section of a typical business policy as well as the extension “Public Utilities”, and what it covers – to help clear up any confusion.

If you have selected the Business Interruption section , it covers the following defined events:
“Loss following interruption of or interference with the business in consequent of damage occurring during the period of insurance at the premises, attached to the Fire, buildings combined, office contents or any other material damage section of the policy, but only in respect of perils insured under the Fire section (termed damage).”
The Trigger is a Fire, lightning, storm, flood, explosion etc, which is an insured peril, therefore it will be covered.

There are two extensions which typically cover the failure of the public supply of electricity to the insured’s premises supplied by Eskom.

They are:

* Public Utilities – Insured perils
This extension covers the loss consequent upon damage by Fire or allied perils to property of a public authority providing water, gas and electricity to the insured premises.
e.g Eskom has a Fire and can’t produce electricity for a few days/weeks which prevents production.
The trigger is a Fire, which is an insured peril, therefore it will be covered.

* Public Utilities – extended cover
The interruption is the same as the previous point except insured peril is replaced with damage.
e.g Eskom has cables stolen and electricity supply is interrupted for a few days/weeks which prevents production.
The trigger is damage to the cables, which is an insured peril, therefore it will be covered.

However, Rolling Blackouts resulting from Eskom’s incompetence, mismanagement, failure to maintain infrastructure or inadequate planning is not an insured peril in terms of the Business Interruption section of a business policy.
The mere withholding of electricity by the authorities is excluded.
In the event of load shedding ocuring merely as a result of the fact that there is insufficient capacity at the electricity generation unit, no cover will be in place.
There is no trigger, therefore the policy will not respond and there is no cover.

If Load shedding continues and if Blackouts are looming, it’s time for each policyholder to start implementing measures NOW, in which to prepare for the dark days ahead, should total blackouts become the new norm.

Written by Andrew Ensor-Smith, Owner of ES Brokers
Pictures courtesy of Pixabay

These factors will fluctuate your car insurance excess

When you take out car insurance, your monthly premium is a given. However, you may also need to pay an excess amount if you claim from your policy.

But which factors may increase your excess, and how can you bring it down? We answer these questions, and we also consider how you can prepare for an excess lumpsum.

Tip: Excess or not, you should always insure your vehicle. 

These factors may raise your excess 

According to Christelle Colman, insurance expert at Old Mutual Insure, excess payments can be the proverbial minefield for policyholders, and it’s why they urge people to read their policy schedules. 

She says that insurance companies adopt different approaches but some of the excesses that they have seen in the market include the following:

· Age excess for young drivers.

· Single vehicle accident during certain hours i.e. after 11pm and before 4am.

· Additional theft excesses if the car is stolen or hijacked.

· Additional excesses imposed by the insurer due to an adverse claims record.

· Voluntary excesses taken by the policyholder at inception of policy in order to reduce premium payments (this is often forgotten about, only to be remembered at a time of loss).

These excesses are typically in addition to the standard motor excess.

Should you raise your premium to reduce your excess? 

Colman says that if your appetite to pay an excess amount is low, you should ask your insurer for an excess-free quote. Most insurers will offer an excess-free quote by charging a higher insurance premium payment. 

You can also enquire about excess waivers that often are on offer for persons not gainfully employed over the age of 55.

According to Caron Whitfield, head of marketing and distribution at the Apio Group, there should be no surprises at claim stage if you are with a broker.

“When a policy is taken out, all applicable excesses are discussed with the client so that there are no unwelcome surprises when it comes to claiming,” says Whitfield.


“The option to waive excess is available with most insurers. Basically, you pay a bit more each month to have an excess-free claim. Some excesses may not be waived, for example, an additional theft excess if you do not have a tracking device installed, and it was an insurer requirement,” says Whitfield.

How to prepare for an excess 

Whitfield believes that the first step to ensuring you’re prepared for an excess is to align your insurance cover with your budget.

“Make sure that you can afford the excesses that will apply in the event of a claim. It does make some financial sense to have an emergency fund that can be used in these instances, or an emergency credit card,” says Whitfield.

Colman says that to prepare for the worst, you should read your policy document and fully understand the excess impact on a total loss claim. 

“It’s also wise to shop around each year for the best insurance deals. Remember only looking at bottom-line premium savings can be a bad decision in the long run, as the level of excess contributions and impact on your disposable income should also be a major decision-making factor,” she explains.

For any assistance and/or advice regarding your vehicle excess please feel free to contact us  

Article by Isabelle Coetzee, featured in Just Money


Have a Tax expert at your finger-tips

Distressed taxpayers could be left up the creek without a paddle in dealing with a tax assessment dispute with SARS!

Inspite of COVID-19 having a devastating impact on taxpayers, SARS tax audits are on the increase in efforts to recoup lost revenue.

To protect taxpayer's rights, the Office of Tax Ombud launched the #taxpayersrightsmatter campaign in September 2020.

However, the tax Ombud can only assist taxpayers if it concerns systematic issues with SARS.

So where does it leave taxpayers?

To prove there is an issue, taxpayers must be able to afford the services of a tax practitioner or tax lawyer, who have the necessary skills and Know-how.

This is exactly why you should have a Tax Risk Insurance Policy
- it's like having a tax expert or tax lawyer at your finger-tips!

* Terms and conditions do apply

For any advice or assistance on our Tax Risk Insurance policy please give us a call on 031-5021922 or visit our website


If you have been involved in an accident and would like to report it to the police, you can now do it online.

Simply go to:

As per the website Terms and Conditions please be aware of the following:
1. The submission of a crash report will be legally binding
2. All crashes must be reported within 24 hours or the next working day. (non-working days Saturday, Sunday and Public Holidays)
3. The system will provide the user with an automatically generated crash report number (CRN) for insurance claims
4. The system will only allow for the reporting of minor damage crashes.
5. Crashes which include a person or persons being injured, killed or involved in a hit and run accident/crash must be reported immediately to the nearest Municipal/Metro police, Traffic Department (MMT) office or South African Policy Services (SAPS) station.
6. All crashes involving 5 or more vehicles must be reported at your nearest South African Policy Services (SAPS).
7. The information submitted by you can be made available to your insurance service provider.
8. The reporting of the crash service is free. RTMC reserves the right to change entities or persons to access the data at a later stage.

Information provided by crash reporting board notice
Drafted by Andrew Ensor-Smith , ES Brokers
Images sourced from Pixabay

Why should you have car insurance?

It’s a big day when you finally hold the keys to your first vehicle. Your future looks bright, and you plan to take road trips with your friends and visit far-away relatives.

However, this vision can be shattered if you’re involved in an accident. To reduce the impact on your pocket, you should invest in insurance. We have a look at why car insurance is so important, and how you can apply for it today.

Why should you get car insurance? 

In spite of being a depreciating asset, which means that the asset loses value over time, vehicles are often the second most expensive asset people own, their homes being the first. 

Therefore, your car will be both expensive and slowly dropping in value. To add to this, after a certain number of years, manufacturers will stop producing spare parts for your vehicle model. As a result of this shortage, parts will become more expensive, should they need replacement because of an incident with your vehicle.

Considering all of these factors, driving around without car insurance is a massive risk. Even though insurance is not compulsory in South Africa, you could land yourself in serious debt if you’re ever involved in an accident.

Car insurance is usually divided into three options, which cater to your personal risk profile:

· Third-party insurance: This is the most basic insurance option, and it simply protects you from liability if you cause damage to another person’s property, such as their vehicle.

· Third-party, fire and theft insurance: This covers the same as third-party insurance, but it also covers you if your vehicle has fire damage or someone breaks into it.

· Comprehensive insurance: This includes the same as both of the above, as well as the cost of the damage to your vehicle should you be involved in an accident.

If you only plan to use your car every now and then, you could get away with only having third-party insurance. However, if you spend every day on the road, or you just want to be cautious, it makes more sense to take out comprehensive insurance.

If you’re ready to take out car insurance, go to this page and fill out the form. You will then receive a call from an insurance provider and they will give you a quote.

For any advice or assistance on choosing the right cover for your vehicle please contact us on 031-5021922 or visit our website


Article by Isabelle Coetzee, featured in Just Money.


Top-up your car insurance so you don’t get caught short

Make sure you have the right cover in place to avoid a financial shortfall that prevents you from replacing your car following an accident.


You’ve cut your bills down to the bare minimum and as the realities of a depressed economy sink in, you may be one of thousands of cash-strapped consumers looking to downgrade to a more affordable car. However, when you take out insurance for that car, be sure to ask the sales consultant about top-up insurance cover.

At a time when many consumers are battling to make ends meet, the last thing you want is to have an accident where the car is written off and find out that you owe the bank a significant amount of money despite having insurance cover.

When you take out car insurance, you have a choice to insure your car for either retail or market value. The retail value of your car is based on the “blue book” or the Trans-Union Auto Dealers’ Guide (formerly known as the Mead & McGrouther Auto Dealers’ Guide) and usually reflects the average price at which the vehicle has been sold recently.  Market value is more specific to a particular car and considers factors such as the mileage, condition, scarcity and make of the vehicle.

Retail value is typically higher than market value. So, when you insure your car, you ideally want to specify that it should be insured at retail value.

The tricky thing is if you are financing your car, the bank charges you interest upfront and with car loans moving to agreements as long as seven years, this interest amount adds up to a significant number.

For example, if you bought a car for R250 000 with a R25 000 deposit and you financed it over seven years (84 months) at an interest rate of 9.5% (prime plus 2.5%), you would have to pay a total interest amount of R84 351.52, and the total cost of credit would be R316 355.02.

However, regardless of whether you insure your car for retail or market value, the reality is that if you are in an accident and the car is written off, the insurance pay-out is not going to cover the full amount you owe the bank. We advise clients who have financed their cars through the bank to make use of Auto Top-up cover, which covers the difference between the insured value of the car and the amount you owe on your loan.

What to look for when you buy credit shortfall insurance

  • Does the product cover your balloon payment? (In most cases, the answer is no).
  • Interrogate the terms and conditions on the insurance policy so that you understand exactly what cover you are buying.
  • Make sure that your policy values are updated each year so that you are not paying more than you should.
  • As you make payments towards your car loan, you will reach a point where the amount owing on your loan is less than the insured value of the car. At this point, you will no longer need credit shortfall cover.
  • If you add any accessories to the car such as a towbar, sunroof or an expensive sound system,  these items may need to be specified and insured separately.
  • Check that your policy includes an instalment protector benefit which covers your financial obligations while your insurance claim is being finalised.

The financial trauma of a write-off is bad enough on its own. Make sure you have the right cover in place to avoid a financial shortfall that prevents you from replacing your car.

For assistance with your credit shortfall insurance visit our website


Written by Susan Steward, featured in Moneyweb on line


Submitting a false claim or exaggerating a genuine claim is seen as a “drop in the ocean” in the finances of insurance companies, but the reality is very different.

“Many people think insurance fraud is a “victimless crime” where the only ones who lose are the insurance companies and their executives with deep pockets. However, this could not be further from the truth,” according to Insurance Business.

A report by New Zealand’s Insurance Fraud Bureau (IFB), estimates fraud at around 10% of the entire country’s gross written premium. In 2020, this meant that fraud cost policyholders and insurers around $739 million, or roughly $398 per household, per year. Things are even worse in the United States, as the FBI estimates that the total cost of insurance fraud (excluding health insurance) is more than $40 billion per year. Insurance fraud costs the average US family between $400 and $700 per year.

Why does insurance fraud cost policyholders?

In the report by New Zealand’s Insurance Fraud Bureau, several ways in which insurance fraud costs policyholders are listed:

  • Insurers have to invest in complex systems and processes to identify fraud.
  • Potential fraud leads to additional staff training as insurers need to make sure their application and claims teams are regularly trained to spot fraudulent activity.
  • Slower claims processing – Whenever a new insurance fraud scam comes to light, the processing of claims becomes slower due to additional verification processes, which can affect genuine claims.
  • Manpower cost increases as insurers may need to hire additional employees to combat the threat of fraud.
  • Certain fraud scams, such as staged car crashes or arson, pose a danger to human lives, affecting the insurance industry and even potential fraudsters.

SA’s own Crime Watchdog

In South Africa the Insurance Crime Bureau was formed in 2008 to address the rise of organised fraudsters who use both life and non-life insurance, as a way of making money, by detecting and preventing such crimes from occurring as well as acting as the mediator for all insurance companies to work together in dealing with the problem.

According to Hugo van Zyl, COO at the ICB, the organisation is involved in the detection and prevention of physical crimes such as robberies, carjacking and vehicle theft, which poses significant risks to the non-life insurance sector. “Although the impact of the arrests and other successes cannot be measured in the short term, we are of the opinion that this has a huge impact in making South Africa a safer place and minimising risk for the industry.”

The SA Insurance Crime Bureau estimated that in 2019 up to 20% of the R35 billion paid out on short-term insurance claims could have been fraudulent. If correct, this means that in 2019 alone the South African short-term insurance industry lost almost R7 billion to fraud.

The 2020 Annual Report of the Insurance Crime Bureau highlights that Covid-19 has led to economic desperation and resulted in an increase in opportunistic crimes like fast track claims on cell phones, tablets & laptops, fake retrenchments and UIF fraud, credit life claims submissions, credit insurance losses, staged “Slip & Trip” type incidents and many more.

Christelle Colman, insurance expert at Old Mutual Insure, agrees: “The unprecedented financial pressure that consumers were under in 2020, has certainly increased the frequency and quantum of the fraudulent insurance claims that we’ve picked up to date. In response, the short-term industry is currently on high alert for fraud as Covid-19 financial pressures bite.”

In the end, the cost of insurance fraud needs to be recouped by insurers – this is one of the factors behind rising insurance premiums. “Money lost to the pot by insurance fraud compromises the ability of insurers to indemnify – or make good – the claims of those who have loyally paid their premiums for years and genuinely suffered loss,” Colman adds.

Each insurance fraud case costs resources, not only for the insurer but also for the police, legal system, and emergency services. According to IFB, this is an unnecessary involvement of organisations that could be using their resources to save lives and fight other more serious crime.


Article written by Janine Geldenhuys
Image courtesy of Moonstone.

New legislation to curb carnage on South African roads

THE enforcement of the Administrative Adjudication of Road Traffic Offences (AARTO) Bill is anticipated to reduce the deaths on South Africa’s roads and the cost of insurance.

To be enforced from June, the legislation is set to address the carnage that sees the country lose 13 000 lives on the roads annually.

“Stricter enforcement of driving regulations is to also be welcomed from an insurance perspective,” said Christelle Colman, spokesperson at Old Mutual.

Colman said over the long-term AARTO enforcement should also impact favourably on the cost of insurance while reducing the number of unlicensed drivers and vehicles on South Africa’s roads.

Moreover, the improved driver and vehicle data that AARTO has the potential to make available to the industry should, over the long term, “reduced the cost, increase the spread and maximize the positive impact of insurance in South Africa,” according to Colman.

While zero alcohol limits and a demerit system that suspends licenses for three months for every demerit point above 12 seems harsh, the official said these penalties were in line with similar legislation in Europe.

“As such, the system is not out of kilter with global norms,” she added.

From and insurance perspective, however, a zero-alcohol limit means that the vehicle policy of anyone found to be driving with any alcohol in their blood will not respond.

Similarly, drivers who accumulate more than 12 demerit points – effectively losing their license for a few months – will also not be able to claim on their vehicle insurance policies during these periods.

Colman concluded that all serious attempts to efficiently and fairly enforce existing legislation was overwhelmingly in the best interests of all South African road users and the insurance industry in general.

“The effective enforcement of AARTO also presents an opportunity to reduce the cost, extend the effectiveness and increase the number of individual vehicle insurance policies.”

President Cyril Ramaphosa has endorsed the AARTO Bill.


– CAJ News


Big changes coming to South Africa’s motoring landscape

For the first time ever, owners of new cars will have the right to repair or service their vehicles at an independent provider of their choice, notes Filum Ho, CEO of South African auto parts and glass specialists Autoboys.

These owners won’t be locked into restrictive embedded motor or service plans, and vehicle manufacturers won’t be allowed to void warranties if owners choose to go with an independent service or repair provider.

Until now, South Africa has been unique in the world when it’s come to these restrictive embedded motor and service plans. This is why the Competition Commission started a process in 2017 to bring our country more in line with places such as the US, Europe and Australia.

As a result, on 11 December 2020, the Commission published its finalised set of guidelines for the automotive aftermarket.

These guidelines — which will go into effect on 1 July this year — include several changes that will boost competition.

Importantly, these changes mark a major victory for consumers. Here are 5 things that you need to know if you’re considering purchasing a new car from July this year.

Dealerships, OEMs can’t lock you in

As per the new guidelines, car manufacturers (known as Original Equipment Manufacturers or OEMs) cannot obstruct you from seeking service, maintenance, or mechanical repair work for your new motor vehicle at an independent Service Provider (ISP) of your choice.

What’s crucial to note here is that you as the consumer still have the right to seek these kinds of services from your approved dealership, but you now have the additional option of going to an ISP if you so wish.

Unbundling of plans at point of sale

There will be an unbundling of maintenance plans and service plans at the point of sale from the purchase price of the motor vehicle. This will allow consumers to exercise choice regarding whether or not they want to purchase the maintenance plan or service plan from their dealership or from an independent provider.

This is common practice elsewhere in the world. In the instance where a car is written off, OEMs and independent providers must transfer the maintenance plan or service plan to a replacement vehicle. Dealerships or independent providers also have to disclose all information regarding the maintenance and repair of their vehicles, as well as the terms and conditions thereof.

You can fit non-original parts

Consumers will be able to fit original or non-original spare parts, whether by an approved dealer, motor-body repairer, or an ISP, during the in-warranty period. The quality of these parts will be dealt with in line with consumer protection laws, as well as existing warranties.

Consumers should look out for what are called OEE, or Original Equipment Equivalent parts. These have the same specifications and safety features as OEM parts but are sold at lower prices. Interestingly, OEE and OEM parts are often made in the same factories and are only differentiated by their branded markings.

More accessible dealership choices

In South Africa, motor dealerships have traditionally been large, multimillion rand showrooms, situated mainly in suburbs, towns and cities. There have historically been very few dealerships situated in townships or outlying areas.

A big reason for this has been that OEMs often place specific requirements regarding, for instance, the procurement of furniture, fittings and finishes as well as the size and location of the premises.

But with the new guidelines, the Competition Commission has set out that OEMs must lower the financial barriers and location requirements for new dealerships to boost their footprints. This must still be balanced with the need for economic rationale, but it could open up a whole new market.

Insurers must give you more choice

Other changes outlined in the guidelines are set to particularly impact the way your insurer deals with your repairs, especially when your car parts fall out of their warranty period. These changes include that insurers will need to offer consumers more choice of repairers within geographic areas for out-of-warranty repairs.

Insurers are expected to approve any repairer that meets their standards and specifications to undertake repairs on out-of-warranty vehicles.

Once the implementation date of 1 July 2021 comes and goes, and if consumers stumble upon dealerships or OEMs which don’t adhere to these new rules, then these consumers will still have recourse.

One option will be to lay an official complaint with the Competition Commission. A complaints form on the Commission’s website provides guidance on this.


Article courtesy of Businesstech