Car Insurance

Which insurance is cheapest for new drivers?

Young drivers are considered a high risk to insurance companies because of their inexperience behind the wheel. Therefore, car insurance premiums are usually higher for people between the ages of 18 to 25. Although this may seem unfair, you can get insurance premiums that decrease every month.

What will I pay for insurance?

What you will pay for insurance depends on a few factors, such as age, security of your vehicle, how many times you’ve claimed from insurance and when as well as what type of car you drive. We will ask you for a few details of you and your car and then provide you with the best car insurance options for you.

What will I pay for car insurance?

Various factors affect insurance premiums, which is why everyone pays a different price for their policy. The main factors are:

• Age: Drivers between 18 and 25 are considered a higher risk to insurance companies and therefore usually pay higher premiums than older people. This is because older people usually have more driving experience. Once a driver is older, their insurance premiums will be lowered.
• Gender: Men often pay more than women for their insurance as, among other factors, statistically, women drive a lot less than men and make fewer claims in a year. However, lower insurance rates only usually apply to women 25 and older.
• Car: More expensive or powerful cars are seen as a higher risk for insurance companies as they are more likely to crash and cost more to repair or replace if damaged or stolen.
• Use of car: A car used for a job where you drive more hours is seen as a higher risk for insurance companies. Also, if a car carries expensive equipment, it is at a higher risk of getting broken into or stolen.
• Use of car: Some places in South Africa have an extremely high crime rate. Therefore, if you drive around such areas, your car is statistically more at risk of being stolen, damaged or vandalised.