The long-awaited driver demerit system is likely to come into effect this year. The Administration Adjudication of Road Traffic Offences Act (Aarto) has been in the works for a while \u2013 since a trial in 2008, in fact \u2013 but it\u2019s now firmly back on the agenda, with commencement planned for July.<\/p>\n
Seen as a silver bullet to curb the country\u2019s road fatality rate \u2013 South Africa ranks 13th out of 195 countries for its number of road deaths per capita \u2013 Aarto has big implications for drivers and their insurance.<\/p>\n
Craig McLaurin, senior motor underwriter: Commercial Underwriting Services at Santam, said Aarto is a positive act that should hopefully address the country\u2019s status as one of the world\u2019s most dangerous places to drive.<\/p>\n
“It will take a while to implement and enforce, but once it\u2019s fully operational and South Africans understand its implications, it should make a dramatic difference.<\/p>\n
“Currently, 90% of road accidents are preceded by a road accident offence. The threat of losing one\u2019s licence is likely to change reckless behaviour for the long-term. This should have a collective knock-on effect on insurance premiums. Fewer accidents and fatalities mean the price should go down for everybody.”<\/p>\n
Aarto in a nutshell<\/strong><\/p>\n Aarto will penalise drivers and fleet operators who are guilty of traffic offences or infringements by imposing demerit points that could lead to the suspension or cancellation of licences, professional driving permits or operator cards. It will also encourage the payment of fines and reduce the burden on South African courts, by removing the initial option to elect to appear in court.<\/p>\n The number of points incurred will be dependent on the nature of the traffic offence or charge. Currently, there are over 2,500 separate charges. All drivers will start with zero points. Once the limit of points is exceeded, a driving licence is suspended for three months. Driving a vehicle during this ‘prohibition period’ is a criminal offense, subject to a fine or jail time.<\/p>\n If a licence is suspended for the third time, it will be cancelled, and a driver must start from scratch with a learner\u2019s licence, etc.<\/p>\n Demerit points do decrease by one point every three months, so drivers can work their way back down to zero.<\/p>\n What you need to know from your insurance perspective:<\/strong><\/p>\n McLaurin and Liz de Villiers, manager: Commercial Motor Underwriting at Santam, said that motorists need to ensure the points go to the right person. You must notify the relevant authorities who was driving the vehicle when the law was broken.<\/p>\n This is particularly important for companies, where cars could be registered in one person\u2019s name, with employees authorised to drive it.<\/p>\n If the licensing laws suspend or cancel the driving licence of the insured or an authorised driver, as may happen in terms of the Aarto Amendment Act, the insured would be obliged to notify the company that a driving licence has been suspended or cancelled.<\/p>\n Subject always to the circumstances of the defined event, should a driver operate an insured vehicle with a driving licence that is suspended or cancelled, the policy may exclude all cover for the event.<\/p>\n
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