• Posted on Jan 6, 2020

Buying a car is expensive. Filling up your car with petrol is also expensive. Luckily, insuring a car doesn’t have to be expensive.

The most important thing to always keep in mind is that car insurance is a necessity, not a luxury. Why is it necessary? Well, imagine this:

You’ve put a lot of thought into what car you want. You find a car you love. You start paying it off in monthly instalments. You decide to not get car insurance because you drive your car very carefully or not so often. Unfortunately, accidents happen. You crash into another car. Your car is written off. The other driver has insurance but the insurance company sues you in your personal capacity because the accident was your fault. You’re stuck paying for the damages caused in the accident. Plus, you’re still paying for your monthly car instalments on a written-off car.

Don’t risk losing money. Get car insurance.

Comprehensive insurance for a car

As mentioned before, car insurance is important. It should be your number one priority when it comes to your car. Comprehensive cover will give you absolute peace of mind when dealing with an accident or car theft.

You can get affordable and comprehensive cover. But you need to get insured by the best car insurance company in South Africa.

This means, for an affordable amount, you get cover for:

  • Accidents
  • Theft
  • Hijacking
  • Vandalism
  • Dents and scratches
  • Fire
  • Weather damage
  • Damage caused by animals
  • Falling objects
  • Riot damage
  • Third-party claims
  • Liability claims

All you have to do is follow road rules, don’t drink and drive, always have a valid drivers and car license and make sure your car is roadworthy.

Third-party car insurance

This is the cheapest insurance option out there. It offers the least coverage. But, any coverage is better than nothing.

What you need to know about this type of cover is:

It only covers you for accidental damage that you cause to another party.

So, if you get into an accident, your insurer will pay for r the third party’s vehicle. You will still have to pay an excess, as agreed upon in your policy. You will have to sort out the damages on your vehicle out of your pocket. This could save you from potential debt.

Consider this type of cover if:

  • You can’t afford any other cover
  • You have a low-value or older car
  • You don’t travel a lot

Third-party, fire and theft insurance

You can add fire and theft insurance to your third party cover. How can this help you?

You are covered for the following:

  • Damage caused by a fire, an explosion or lightning
  • Damage caused by attempted theft
  • Theft

Insuring a car for Women

The reason why insurance for women works so well is because women are naturally more cautious drivers than men.

Off-road Insurance

Off-road insurance is a unique insurance ideal for people who take their cars on wild adventures in the great outdoors.

R1 Insurance

When opting for comprehensive 5-star cover, you can insure your favourite possessions like your smartphone or bike for only R1 each?

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