Don’t let potholes or tyres puncture your budget

3 min read 21 June 2022

Have you ever thought about the origin of potholes? According to trivia expert and columnist LM Boyd potholes, date back as far as the 15th and 16th centuries, where potters would dig up chunks of clay road surfaces to make their pots. The people who used the roads knew who had made those holes and so dubbed them “potholes.”

Thanks to extreme weather conditions, the lack of maintenance and a significant increase in heavy vehicles using our roads, potholes have become a significant challenge on our country’s roads. 2009/2010, in particular, saw a sizeable increase in potholes due to heavy rainfall during the summertime. Water is the primary cause of potholes on bituminous roads with the costs to vehicles, in terms of damages and accidents, running into the millions. Research from the Automobile Association (AA) found that 60% of our country’s roads are in “poor” condition. That often applies to more rural regions where farms are based, and farmers need to know if their insurance will cover these losses.

Emil Pretorius from Santam Segment Solutions Agriculture says, “Potholes can result in significant losses for farmers due to damage and other causes like an unseen or concealed object damaging a tyre. It is important to remember that any kind of vehicle used on a farm is at risk. At Santam we understand the risks involved and therefore the extensions that our farmers need to take note of in terms of potholes, damage to tyres and 4 x 4 tyre cover.”

He continues, “Through Santam’s extensive network of brokers and intermediaries, you can secure your peace of mind by knowing that you are covered no matter where you are on the country’s roads or beyond.”

Santam suggests that you bear the following in mind when considering your cover:

Tyre damage for non-Agri vehicles:

Damage to tyres (tractors, harvesters and implements used for agricultural purposes):

The cover under this section of the policy is extended to include total loss of and irreparable damage to the tyres of the vehicles mentioned above, caused by any unseen or concealed object whilst on the road or other surface, provided that: