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Third party or comprehensive insurance?

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Motor vehicles are without doubt one of life’s necessities rather than the luxury item that they used to be many decades ago. That is why car insurance is also a necessity, as it helps to prevent the car owner from having to pay potentially huge sums of money in the event of theft or damage. Most cars in South Africa are covered by third party insurance which covers fire and theft. If you want a more comprehensive insurance policy, there are many insurance companies out there.


(Photo credit: ‘Scratch’)

Third party insurance is fine if you have to stick to a budget; however, this type of cover is not going to cover you for the costs of damage caused by having a road traffic accident that was your fault. If you want to make sure that there are no hefty repair or compensation bills about to head your way, then you should opt for a comprehensive motor vehicle insurance policy.

Car insurance quotes can be obtained from many different insurance companies that specialize in providing motor vehicle insurance policies. Car insurance quotes are an estimate of the cost of covering your motor vehicle against loss and damage and is provided free of charge (if a company wants you to pay for an insurance quote, politely decline and move on) to the vehicle owner.

With everyone looking to save money due to the difficult global financial situation, a lot of people are looking to make substantial savings when the time comes to renew their motor vehicle insurance. That is why you need to compare as many quotes as you can, from as many different motor vehicle insurance companies as possible. That way you will have a clearer picture of who can offer you the best deal on your car insurance.

The best (and by far the easiest) way to compare multiple car insurance quotes, is to look on the internet. There are more and more companies that are dealing with their customers, exclusively online and this can be a great money saver. Because they are doing all of their business online they have less expenses and this means that they can offer better discounts on car insurance policies.

Car insurance is great as it helps to protect your car from unwanted damage or loss and this is especially true if your car is your only means of getting around. If you were to lose your car, then without adequate insurance, you may not be in a position to replace it.

Thanks to the internet, it is now easier than ever before to compare motor vehicle insurance quotes from a number of different motor vehicle insurance companies. With so many different companies out there vying for business, it is no wonder that the cost of motor vehicle insurance is fast becoming a better value for the money. This amount of competition can only be good for the consumer and is leading to an upsurge in the amount of discounted insurance policies that the average person can choose from.


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Save On Car Insurance Without Losing Coverage

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Crash test between a 1996 Ford Explorer and 20...

(Photo credit: Wikipedia)

Although motor vehicle insurance is not required by law in South Africa, it makes sense to have your vehicle covered against the number of different things that can happen to it. This includes theft, malicious damage or damage caused as a result of a collision. The basic form of insurance is third party insurance, but this is limited to only covering very basic problems and you could be left with having to pay for another motor vehicle out of your own pocket when things go wrong. Fully comprehensive car insurance is better, however, it is going to come at a price, and it can be considerably more expensive than the basic level of car insurance.

When the time comes to start searching for a motor vehicle insurance policy then you need to consider all of the alternatives. There are many insurance companies who are in a position to offer you cheap car insurance, and this means that finding the best one for you can be a bit tricky, not to mention time consuming. Most car insurance companies will be able to offer you a discount if you have an accident free driving history and this can save you a lot of money compared to a younger driver who has had one or two or more accidents in the past. When you get different quotes from many different companies then you have the choice of which one suits your needs. Additionally, most motor vehicle insurance companies will be able to offer you cheaper premiums if you sign up to one of their policies online, as this cuts down the need for endless paperwork.

No matter how cheap the quote is, you need to make sure that you fully understand the level of coverage you are going to receive in exchange for your hard earned cash, before signing on the dotted line.

Cheap car insurance in South Africa is also cheaper when you want to insure more than one motor vehicle at the same time. Most motor vehicle insurance policies companies will offer bigger discounts for each extra vehicle that you add to your policy when you sign up with them.

One of the best ways in which to keep the cost of your motor vehicle insurance costs down is to make sure that you have a clean driving history. Things such as having a lot of collisions or being in trouble with the police for motoring offenses can mean that it can be extremely difficult to obtain cheap car insurance.

One final way of lowering the costs of your motor vehicle insurance premiums, is to make sure that your car or motor vehicle is secured when unattended. Fitting anti-theft devices such as, alarms and steering wheel locks can reduce the risk of your vehicle being stolen and this in turn will allow the insurance company to lower your insurance premiums.

With a little bit of time and effort on your part, you can get the cheapest car insurance quote for your vehicle without sacrificing your level of coverage.

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Obtaining affordable motor vehicle insurance online

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Motor vehicle insurance in South Africa means having at least the minimal amount of coverage against theft. However, if you want an insurance policy that covers you for more than that, then you need to have fully comprehensive car insurance. Fully comprehensive motor vehicle insurance can be on the expensive side, and for that reason, a large percentage of motor vehicle owners in South Africa, shy away from opting for higher coverage.

Fully comprehensive motor vehicle insurance makes more sense. Yet, when your car becomes involved in an accident, you may find that the amount of money received from your insurance company, does not go anywhere near covering the cost of the repair bill.

Collision on the hill

Collision on the hill (Photo credit: kenjonbro)

When it comes to finding suitable and affordable car insurance quotes, it makes much more sense to begin your search online, as you will be able to compare prices side by side if you use a comparison website. Additionally, there will be an opportunity to study and read the feedback and views of the people who have already dealt with the company in question. That way you will be able to garner an understanding of just what kind of customer service they can offer, as well as the amount of different premiums and their costs and coverage and so forth.

Cheap and affordable car insurance is not always the best answer and you will have to make sure that what you are paying for, gives you a good level of coverage for when the worst happens and your car is involved in an incident. After all, you do not want to pay money for a motor vehicle insurance policy that does not cover your motor vehicle if you are involved in an accident. The least you can expect to get from a basic motor vehicle insurance policy, the absolute bottom line, is to be covered against theft, fire, and collisions.

One way of lowering the amount you are expected to pay every month for your car insurance premium, is to raise the amount of the excess on your policy. If you are not sure what the excess is, it is the amount of money that the insurance company will expect you to pay towards the costs of any claim you make on your policy. Typically this will start at around 500 Rand but the higher you set it, the less you will be expected to pay on your insurance premium.

Trying to find a cheaper car insurance policy can be a bit daunting for those people who are not used to looking at multiple car insurance quotes from many different companies. That is why you need to take some time in order to make sure that you understand all of the details and small print that is usually involved with signing up for an insurance policy. If you are not careful you could end up signing up for a motor vehicle insurance policy that is totally unsuitable for your needs as well as costing you too much money.

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Cheap fully comprehensive insurance cover for your car

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There are a lot of uninsured motor vehicles on the roads of South Africa at the moment and this is for the reason 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.

St. Patrick's Day Collision  2 of 4

St. Patrick’s Day Collision 2 of 4 (Photo credit: 7mary3)

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 cover from a specialist car insurance company.

Most uninsured drivers will say that finding cheap car insurance in South Africa is not an easy task and for that reason they are more than happy to take their chances and rely on the third party insurance provided by the Road Accident Fund. 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, and 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.


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Insurance: Peace of Mind for Car Owners

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English: RTA or Vehicle Accident, in underpass...

(Photo credit: Wikipedia)

In this day and age, people work extremely hard to earn the money they need to pay for all of the necessities, and extras people want in life. When it comes to spending your hard earned money on a vehicle you want to make sure that you do not get a scratch on it, much less get into an accident. Unfortunately, no matter how safely a car owner may drive, accidents do occur. When these accidents occur, if you are not insured you take the risk of having to pay large sums of money out of your own pocket to pay to not only repair the damage to your own vehicle, but also your medical expenses if needed. Additionally, if your accident involves hitting another vehicle, then you will be forced to pay for the repair on their vehicle as well.

Why deal with the stress of the potential financial hardships that you and your family can face in the event of an accident if you can prevent that. By taking the time to look into getting auto insurance you can offer yourself peace of mind in the unfortunate event that something happens to your vehicle. Having an auto insurance policy does not protect you from getting into an accident; it merely puts something in place to help with the financial aspects, if something does occur.

Why not take some time out of your busy schedule, head to and request some free insurance quotes. By getting these quotes, you can look over the different policies that are offered by the insurance companies and find the one that works the best for you. Although different companies may offer similar policies, there may be hidden fees, or one company may offer more services for the same amount of money as their competition. Once you have found a policy that you like, call the company, and talk to an agent to ensure they will offer you all that you need and require. Car insurance may not prevent damage to your vehicle, because accidents do happen, but it will offer you the peace of mind you need when something does occur.

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Comprehensive Car Insurance

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Having a car and driving is not only something that provides individuals with their freedom, but it also requires drivers to be responsible. One of the most important factors related to driving is having some form of auto insurance. The best type to have is car comprehensive insurance. This type of auto insurance will protect you, passengers in your vehicle, your vehicle, and anyone you my come in contact with in the event of an accident.

A car crash on Jagtvej in Copenhagen, Denmark.

 (Photo credit: Wikipedia)

Car comprehensive insurance is typically more expensive than other policies, but it also offers more coverage. Depending on the type of coverage you have, if you are involved in some type of automobile accident, certain policies will cover the majority of the costs for repairs, saving you drastically on out of pocket expenses. The more comprehensive your policy the better your coverage will be in case of accidents.

Another benefit of getting car comprehensive includes the costs involved in replacing your vehicle that is insured. If you are in an accident that destroys your car, and repairs are not possible, or your vehicle is stolen, with the proper policy, the insurance company will provide you with the costs of replacing your vehicle. Additional items that are covered with car comprehensive insurance include, damage done to your vehicle as a result of acts of nature, or hijacking.

When searching for the right insurance policy for you, it is important to look at all of the benefits that are included. A car comprehensive policy that is more expensive will have more benefits than less expensive ones. Additionally, comprehensive insurance policies may vary from company to company. It is important to call and speak with the insurance agencies before accepting policy terms. By talking to an agent, you can verify the terms of your insurance policy and all of the benefits that you will receive with your car comprehensive insurance policy.

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