31/03/2026
"A recent local incident involved a driver checking directions on her phone late at night. She looked up too late and collided with another vehicle entering a traffic circle. What felt like a small moment of distraction had real consequences.
In South Africa, using or even holding a mobile device while driving is a criminal offence. Many policies also require policyholders to take “due care” to avoid loss or damage. Claims can be rejected where an accident occurs while committing an offence or failing to act with due care.
What’s often overlooked is that modern smartphones can show what apps were in use at the time of impact. Social media, maps, or messages can become part of how an incident is assessed.
Small habits behind the wheel can quietly become big insurance problems later."
