Car Insurance in South Africa

Getting affordable car insurance can be a complicated and tedious process for first-time insurance buyers, vehicle owners and drivers. The best way to simplify the process is to ask for clear information, know what is required of any person looking to purchase car insurance and make sure all the terms and conditions are understood before accepting any quotes.
There are many insurance companies that offer comprehensive as well as limited car insurance. Comprehensive car insurance includes a detailed list of circumstances under which a claim will be settled and paid out. Comprehensive car insurance is more expensive as the majority of possible risks are covered. Limited car insurance is much cheaper and is recommended for people whose vehicles are paid off and are looking only to cover certain risks that are most important to them.
It is possible to find good insurance deals if a client shops around for the best benefits and the most affordable premium. Dealing with a broker can hike monthly car insurance premiums and clients are advised to deal directly with an insurance company to avoid paying broker fees. When shopping for insurance, one must avoid policies that include cover that is not relevant to the client as cost for that unnecessary benefit is also included in the total premium.
Roadside assistance is usually automatically included in most comprehensive insurance policies. This service comes to the rescue of motorists with minor car problems such as a flat battery, flat tyres and when the car runs out of fuel. A rental car however, does mean a higher premium. A rental car will be provided by the insurer after an incident that leaves the client without a car, such as theft or an accident.
The excess is the amount that a client pays before an insurance company can pay out the rest of the claim. High and complicated excess calculations leave a sour taste in the consumer’s mouth because they can cause delays when it comes to the settlement and payment of claims. Consumers must always ask questions and request maximum discounts if any apply.
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By |2012-03-09T08:33:00+00:00March 9th, 2012|Categories: Car Insurance, News|Tags: |0 Comments

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