Fully Comprehensive Insurance

There are a lot of uninsured motor vehicles on the roads of South Africa at the moment. The reason for this is that motor vehicle insurance is not mandatory in the Republic at the present time. Most uninsured drivers will state that they find motor vehicle insurance premiums are too costly and that they cannot afford to make the monthly payments. Therefore, a lot of drivers would rather take a gamble and hope that they do not have a serious car accident in the future, rather than spend a little bit of money each month for that added peace of mind that comes with knowing that you are fully insured. They would rather rely on the state’s Road Accident Fund that automatically gives them third party insurance.

Central Business district of Johannesburg

Central Business district of Johannesburg (Photo credit: Wikipedia)

The problem with the third party insurance provided by the Road Accident Fund is that it will only cover a small amount of incidents that you may come across as a car owner. There is only one way to guarantee that you are fully covered against all possibilities and that is to obtain fully comprehensive insurance from a specialist car insurance company.

Most uninsured drivers will say that finding cheap car insurance in South Africa is not an easy task. For this reason they are more than happy to take their chances and rely on the third party insurance provided by the Road Accident Fund. The reality is there are many companies out there who are currently offering great deals on fully comprehensive motor vehicle insurance. Searching online is a great way to locate cheap car insurance in South Africa and there are many websites out there that will do all the work for you, comparing prices and levels of cover and listing them all on one page.

Relying on the Road Accident Fund is a huge risk to take if you have the means to pay for fully comprehensive insurance, because not only is the amount of cover limited, if the accident is your fault, then you are still going to be subjected to litigation by the other party. This could then lead to you having to pay huge sums of money to the person with whom you collided with. Additionally, if they have received injuries as a result of the collision then the cost is going to be even higher.

The only way to avoid this potential scenario is to take out a fully comprehensive motor vehicle insurance policy that will provide you with the peace of mind that comes with knowing that you are covered against all eventualities.

Finding cheap car insurance in South Africa is not as much of a chore as you might think. Whereas making a claim through the Road Accident Fund can be a long, tedious and not to mention complicated process, searching for an insurance company is as easy as looking on the internet.

With a little bit of time and patience you can easily find the right comprehensive insurance policy that will give you full cover at a price you can afford.

 

 

Cheap Car Insurance in South Africa

According to a statistic, there are many road traffic accidents each day in South Africa and they can vary from the minor to something much more serious. Yet there are still many people who are driving without adequate motor vehicle insurance and it does not take a massive accident to cost you a lot of money when it comes to the repair bill.

Driving Cars in a Traffic Jam

(Photo credit: epSos.de)

For a lot of people, the reason that they do not have their motor vehicle insured is because they feel that the amount of money that they are expected to pay each month for their premium is too high. Because they feel that they would be paying too much money, this leads them to take the risk of driving without insurance, in the hope that they do not have an accident.

With the number of accidents taking place on South African roads increasing, now is the time to start looking for cheap car insurance. Because of the global financial problems that are affecting most people in some way, a lot of people are looking out for the best deals on their car insurance.

As with most insurance policies there is an excess to pay. This is the amount of money that you will be expected to pay towards the final repair bill of your vehicle before the insurance company pays out. The higher you set the excess limit when you first take out the policy, the lower your monthly payments will be on your insurance policy. Taking on a higher excess is a good idea if you are a safe driver and you live in an area that is considered to be safe as you are less likely to have an accident or have your car vandalised.

If you already have a car insurance policy, then when the time comes to renew it, you can often negotiate a new deal for less monthly payments. This is especially so if you have never made an insurance claim and have been a good and loyal customer for a number of years, as well as paying your premiums on time and in full every month. The majority of insurance companies will not want to risk losing you as a customer and will in all likelihood, offer you the same policy at a slightly reduced rate in order to keep your custom.

In South Africa as with most countries around the globe, all insurance policy premiums are tailored to suit the driving history and aptitude of the individual in question. For example, if you are aged under 25 years old, you can expect to pay more than someone older than 25, plus if you are a driver who has had a lot of accidents you can also expect to pay more each month.

In order to find the best motor vehicle insurance that suits your needs and circumstances, it is good idea to search for car insurance quotes online via the internet. That way you can expect to find suitable car insurance for a price you can afford.

Car insurance quote websites in South Africa

As a car owner in South Africa, you may be pleasantly surprised to learn that car insurance quotes are easier to come by than you may think. This article will explain how to go about obtaining the best car insurance quotes that suits not only the level of cover that you require, but also the amount of money you have available to spend on your monthly premiums.

English: Motor vehicle accident following a ve...

(Photo credit: Wikipedia)

There are several insurance company websites that are now available in South Africa. Whereas before anyone looking for motor vehicle insurance would have had to travel around in order to visit the offices of the individual companies in question. This used to be a thankless and not to mention, tedious task and it doesn’t come as any great surprise that a lot of motor vehicle owners decided not to bother with insurance at all. Another reason why motor vehicle owners decide not to opt for their own car insurance is that they are under the impression that the cost of the monthly payments will be too high. However, thanks to the rise in popularity of the internet, there are several insurance companies that are now able to offer their best prices online.

Having a car crash is something that can happen to any motor vehicle owner at any time, and the consequences can be difficult for everyone involved. If you have an accident and you do not have a fully comprehensive motor vehicle insurance policy, then you are going to be liable for the total cost of the repairs to your vehicle, as well as the possibility of being sued by the other party involved in the accident. On the other hand, when you have an accident and you have a motor vehicle insurance policy that gives you complete coverage, then all you will be expected to contribute is the amount of excess that the policy expects you to pay. The excess is the name for the amount of money that your insurance company wants you to pay towards the repair bill, prior to them paying out. The higher the excess, the lower your monthly payments towards the insurance policy will be.

When you are thinking about obtaining fully comprehensive motor vehicle insurance then you may start to feel a bit overwhelmed when it comes to finding the right policy that suits your requirements. However, there is a solution to this problem, and that is to find and use a website that compares all of the available insurance policies on one page.

These comparison websites, like ours, can help to take all of the hard work out of searching for the right insurance policy that not only gives you the type of cover that you are looking for but also one that fits in with your financial requirements or limitations.

With a little bit of research and time you can take all of the hassle out of finding the best fully comprehensive motor vehicle insurance. This will give you peace of mind, should the worse happen and you are involved in an accident, you will be fully covered.

Cheap Car Insurance For Young Drivers

The latest statistics indicated that young drivers under the age of 25 are most commonly listed as an additional driver on their parents’ car insurance policy. However, in recent months it has become increasingly noted that this age could well be increasing as more drivers up to the age of 31 years are listed on their parent’s policies rather than getting a policy of their own.

A car crash on Jagtvej in Copenhagen, Denmark.

(Photo credit: Wikipedia)

The main reason for young drivers to do this is to save money on the costs associated with running a vehicle which seem to be spiraling ever upwards as countries around the globe experience economic downturns. This means that young drivers not just in South Africa, but in other countries as well, are trying to cut down on living costs. In addition to putting their names on the insurance policies, many young people are moving back into their parents’ homes as well.

 

Car insurance can be fairly expensive, especially for people under 25 who are classed as a high risk by insurance providers. Most countries have legal requirements for car insurance so younger drivers need to find ways to meet the cost. Here in South Africa, auto insurance is not yet mandatory which could tempt young drivers to opt out of securing cover unless they can take advantage of being added to their parents’ car insurance policies. Being added as a secondary driver is not that big of an issue, but it does come with certain guidelines which should be adhered to. The secondary driver is only allowed to drive occasionally, but many parents are actually adding their children onto car insurance policies in their names in order to get a cheaper deal when in fact the young person is the main driver. This can result in the policy being made void if this is uncovered by investigators. However, thanks to autoinsurance.co.za it is possible for young drivers to get cheap car insurance of their own.

 

Instead of having to spend time checking with multiple insurance providers, you should instead enter a few key pieces of information into our form and we will do all of the searching for you. We then return a list of viable options to you so that you can compare prices and policies. This allows you to find the most suitable cheap car insurance to meet your needs with a minimal amount of fuss.