Page 26 - Personal Underwriting Mandates & Guidelines - Binder product rules & addendums - Version 1

2.4
Below is from the National Road Traffic Act:
National Road Traffic Act, 1996 (Act No. 93 of 1996) Regulations National Road Traffic Regulations, 1999
Chapter V: Fitness of Drivers
Part II: Learner’s and driving licences
110. Conditions for acknowledgement and exchange of driving licence not issued in terms of Act, and international driving permit.
The below is a verbatim extract from the National Road Traffic Act:
1A) For the purpose of the sub- regulation (1) the phrase “not permanently or ordinarily resident in the Republic” means being outside the borders of South Africa for an uninterrupted period of more than three (3) months.
3) When the holder of a licence referred to in section 23(1)(a) of the Act or the holder of an international driving permit referred to in section 23(1)(b) of the Act:
a) returns to the Republic to resume permanent residence, such license or permit shall no longer be deemed to be a valid licence for the purposes of Chapter IV of the Act, if it becomes invalid in the country of territory of issue, or
b) obtains permission in terms of any law for permanent residence in the Republic, such license or permit shall no longer be deemed to be a valid license for the purposes of Chapter IV of the Act, if it becomes invalid in the country or territory of issue.
Provide that the period of validity of such driving license shall not exceed a period of five (5) years from date when such a person is granted permanent residence status in the Republic.
2.4 Transporting of dangerous goods for foreign licence holders is most relevant for our Commercial business. Many SADEC and other foreign PrDP/driver’s licence documents do not specifically have dangerous goods training or D category PrDP, permitting them to transport dangerous goods. Swaziland, for example, only has G and P for Goods and Passengers and Zimbabwe’s defensive driving certificate training does not cover dangerous goods. These foreign driver’s licence holders MUST, just like any South African driver’s licence holder, be in possession of a valid genuine dangerous goods certificate issued by a TETA (Transport Education Training Authority) approved training centre here in South Africa. We have verified a lot of these certificates and many of these certificates prove to be fraudulent.
2.4.1
Medical requirements for Heavy Commercial Vehicles (HCV)/Public Service Vehicle (PSV) drivers
Medical requirements for HCV drivers should be covered in the insurer’s policy wording. Does our policy have any wording or request for medical requirements for HCV drivers? The below regulations from Zimbabwe address the medical requirements. There was recently a spike in questioning and verifying medical requirements within the insurance Industry.
“Every PSV driver is required by law to be examined by a Government Medical Officer and to be issued with a medical certificate. The certificate is valid for a period of 1 (one) year. It is an offence to drive a PSV without a valid medical certificate. Central Vehicle Registry office also endorses the expiry date of the certificate at the back of the licence disc after being satisfied by the genuineness of the examination.”
Specifically where Zimbabwean drivers are concerned: The Head Registrar of the Central Vehicle Register of Zimbabwe, who is the only authorised issuing authority for Zimbabwean licences has provided the below information for ease of reference:
“As discussed telephonically, I wish to reiterate that, according to Zimbabwean Laws, persons who drive Public Service Vehicles (PSVs), must undergo a medical examination conducted by a registered and recognised Government Medical Practitioner on an annual basis. Once such a
Motor Claims Procedures
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Full Binder Claims Mandates and Guidelines – V3: 2019