ANYONE who fails to display the insurance and security discs on motor vehicles is committing an offence and is liable to prosecution, according to Road Transport and Safety Agency (RTSA) chief executive officer Zindaba Soko and the Insurer Association Zambia Safety Agency president Shipango Muteto.

According to the two institutions, Government in June 2015 issued a Statutory Instrument (SI) to make it mandatory for motorists to display insurance and security discs on motor vehicles.

According to SI number 33 of 2015 and entitled: “The Road Traffic (Certificates of Security and Insurance) (Display) Regulations, 2015, a disc shall be displayed on a motor vehicle or trailer in a manner that ensures that the disc is easily distinguishable and clearly visible at all times, and does not become defaced.

The institutions said some of the features on the disc would include make and model of the motor vehicle, chassis number and expiry quarter. The regulation came into effect on 1st January, 2016.

The institutions said all the insurance companies in Zambia were required by law to be members of the association and also abide by its code of conduct.

However, a grace period of one month was given to motorists and would consequently take effect on February 1, 2016, and the period was only for the display of insurance, it does not replace the requirement as per the Road Traffic Act of 2002, to have valid insurance for every motor vehicle that is on the public road.

The two institutions said the regulation was aimed at safe-guarding people’s lives and property as most accident victims have had problems in being compensated, as the number of uninsured vehicles on the roads was high.  “This situation has resulted into loss of lives with others being left permanently disabled as a result of road traffic accidents as most injured accident victims lack resources to access proper medical services after the accident has occurred, and where loss of life has occurred there has been no compensation to the families who have lost their loved ones.” The Road Transport and Safety Agency and Zambia Police will be enforcing the regulation after the date of the grace period given has come to an end.

And the insurance sector through the Insurers Association of Zambia (IAZ) would ensure that the regulation was implemented smoothly and service level standards be given to the Zambian public in accordance with the association’s code of conduct.



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