Listed here are the pros and cons when making use of Carprehensive Car Insurance; the Ombusdsman has strongly advised against this type of car insurance, though.

• The Ombudsman for Short Term Insurance, has sent out a warning to consumers that Carprehensive Insurance, which is the imaginative insurance policy underwritten by RMB Structured Insurance; although a cheap option for cover of motor vehicles, this insurance might very well be inadequate cover for your motor vehicle.

• Changeable percentages of the value of your car are promised by Carprehensive Insurance, should the vehicle be written off.

• This all depends on what is stated in the insurance schedule.

• Take note; most insurance companies will offer cover  at the MARKET or the RETAIL price, whereas Carprehensive Motor Insurance will only insure your car at its value at which it can be traded at, and here you will find a huge discrepancy.

• Paying lower premiums on insurance simply means that the insurance company has to take on more risk, and this simply means that the insurance company would lose out.

• Simply put, cheaper insurance means higher risk in other areas. If risk is not included then this is excluded from the cover.

• Complete and total loss is covered, and nothing else. So in other words, you are only covered when your car is written off.

• Take careful note that the insurance does not cover damage if the car is not completely totaled.

• Carprehensive Insurance only covers Third Party damage where there is more than 50% and less than R250 000 in damages.

• Other exclusions include when the driver exceeded the speed limit, if the driver was driving off-road, or if the driver violated any of the traffic rules.

• Exclusions are enforced if the tyres were worn down and not replaced.

• On the plus side, if you need cheap insurance, this might be the insurance you are looking for.

Shop around for motor car insurance before deciding; perhaps Carprehensive Car Insurance is your insurance cover of choice, or you might prefer to take the advice of the Ombudsman and steer clear and find one that will offer more cover.

Ten Reasons Why Prime Meridian Differs From Other Car Insurers

• At Prime Meridian, premiums are not based on the client’s demographics; some of these include gender, location, where you live and income.
• A cheaper insurance is offered by Meridian, as insurance is renowned for being exorbitant in SA.
• Prime Meridian Car Insurance offers a 50%, 75% or 100% insurance cover option for their vehicles.
• Insurance cover is based on the trade price of the vehicle so as to reduce premiums.
• Should the vehicle suffer total loss due to theft or due to accidental damage, the percentage at which the vehicle is insured at will be covered by Prime Meridian Insurance.
• Prime Meridian Insurance only insures drivers from the age of 20.
• This reduces the amount of claims, thus reducing the all-over amount of premiums.
• Premiums with Prime Meridian never increase.
• A really nice benefit is that there is no excess, but Meridian still covers the car if it is written off, stolen or hijacked.
• No inspection is carried out when insurance is taken out with Meridian.

Prime Meridian provides third party cover by paying for claims between R10 000 and R250 000. If you are a young driver or you stay in an unsafe area, it might be a good idea to consider insurance with Meridian, as you will not be penalised for these and other demographics.

With a dynamic approach that is flexible to the financial strategies, the insurance policies are simple to understand. A long-term client base, on meeting the most basic needs of its clients have enabled this insurance company to be on a par with the giants in the industry.
New National Insurance offers cover for personal and business

• Cover for motor vehicles
• Accident insurance
• Household building cover
• Household content cover
• All Risks
• Personal Legal Liability
• Pleasure Craft
• Group Personal Accident

For your business cover you can get cover for

• Trading markets
• Fluctuations in the markets
• Risky debtors and much more such as machine failure and goods in transit
• Motor vehicle insurance; this insurance will cover a fleet and commercial vehicles as well as buses and vehicles used for driving schools.
• Commercial and industrial cover; this includes all-risk, fire, theft as well as accounts receivable.
• Maritime cover that will cover damage
• Construction
• Liability
• Guarantee cover for utilities and deceased estates, court bonds as well as custom and excise bonds.
• New National Insurance covers forgeries, employee dishonesty and internal losses.

Needless to say, with a business partner the likes of New National Insurance, you will be making an excellent choice

Meridian Insurance; Who are They?

Meridian Insurance is an up-and-coming Insurance Brokerage that offers a plethora of products and services that will cover every aspect of your life. Meridian will offer you comprehensive insurance together with professionalism.

Meridian offers

• Commercial insurance and bonding, which covers contracting, staffing, the jet service industry, the trucking industry, new car dealerships and much more.

Meridian Commercial has an extensive set of choices on offer that will cover a variety of options. Here is a list of some of the commercial property covered by Meridian. These include:

• Business owners policies
• Wind and hail, plus extensive wind damage
• Loss of rents and business income coverage
• Flood
• Boiler and machinery
• Inland marine
• Mobile contractors equipment
• Fine arts floaters
• Builders risk
• Cargo for ocean marine
• Leasehold improvements
• Signs

Meridian also covers all aspects that concern crime, Worker’s Compensation, watercraft, and professional liability in the work place.

If you have a medical practice, hospital or any other type of business, professional liability cover is as necessary to your business as air and water is for staying alive.

Meridian Professional Liability cover includes

• Directors and officers cover
• General partnership liability
• Media liability
• Employment practices liability; this covers sexual abuse as well
• Employed lawyers liability
• Third party employment practices liability

Meridian has a value statement that includes fairness by maintaining objectivity and impartiality, integrity, respect and trust; with a value statement of this caliber you would be doing yourself justice by switching your insurance to Meridian today!

Car Insurance and Security

Crime is unfortunately part and parcel of life and if you haven’t taken the appropriate measures to safe guard your vehicle, with security systems or car insurance, you have only yourself to blame. Why should you have a security system if you have car insurance or visa versa you may ask? Well the two fit hand in hand and provide an extra layer of security to your lifestyle. In most cases a security system works in tandem with your car insurance.

There are several main factors that come into play when determining your insurance premium. Like with any form of insurance car insurance comes down to a single facet. Risk.

The lower your risk the lower your premiums will be. It is as simple as that and when it comes to insuring your car, an effective anti-hijacking system will go a long way to lowering your risk. The cost of installing the security system will pay for itself in the long term based on the amount of money you will save on your car insurance premiums. Most insurance companies are affiliated with the leading companies in the anti-hijacking trade. In this way you may find that by insuring your vehicle through them and allowing them to equip your vehicle with a security system saves you time and money and guarantees a low premium.

There is no excuse why you should not have both car insurance and an anti-hijack system. Contact an insurance company today and get yourself covered. Twice.

2.    Life cover of R200 000 to R2 million – with additional cover including occupational disability,          
       functional impairment and female trauma protection. Other benefits include:
o    Funeral support and repatriation
o    Trauma, assault and HIV protection treatment
o    Emergency medical services
o    Legal and health support benefits
o    Health support benefits

If you are diagnosed with any of these serious illnesses, Hollard Insurance will pay you the life cover benefit that you selected. Heart attack , Kidney failure, Parkinson’s Disease , Liver failure, Loss of speech, Stroke, Alzheimer’s Disease, major burns, major organ transplant, respiratory failure, blindness, paralysis, cancer, multiple Sclerosis, deafness, accidental HIV infection.