In today’s economy and with everything else going on in South Africa, buying a car is expensive. Filling up your car with petrol is also expensive. But, luckily, insuring a car doesn’t have to be!
The most important thing to always keep in mind is that car insurance in South Africa 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. Start paying it off in monthly instalments. You decide to not get car insurance because you don't drive that often or you think you can't afford it.
Unfortunately, accidents happen. Should you cause an accident, your vehicle may be damaged or written off. Moreover, the other party or said party’s insurance provider may sue you in your personal capacity for any damages suffered.
You’re stuck paying for the damages caused by the accident. Plus, you’re still paying for your monthly car instalments on a written-off car.
The South African Government reported an estimated 88 000 incidences of motor vehicles thefts in 2019/20. Affecting 0.5% of South African households. You are still liable to pay off your car instalment to the bank, even though your car got stolen. This is why it is so important for you to get covered.
Don’t risk losing money! Get Car Insurance
Comprehensive car insurance
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 coverage. 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 need to do from your side is be a responsible driver. Make sure you follow South African road rules. Don’t drink and drive, always have a valid driver's and car license and make sure your car is roadworthy.
There are alternative car insurance options available in South Africa.
Third-party car insurance cover
This is the cheapest insurance option out there. It offers the least coverage. But, any coverage is better than nothing.
This car insurance only covers you for accidental damage that you cause to another party.
So, if you get into an accident, your insurer will pay for the third party’s vehicle. This could save you from potential debt.
The downside is that you will still have to pay an excess, as agreed upon in your policy. And you will have to pay the damages on your own vehicle out of your pocket.
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
Other Insurance Options
You can add fire and theft insurance to your third-party cover. How can this help you?
This covers the following:
- Damage caused by a fire, an explosion, or lightning
- Damage caused by attempted theft
- Theft
Optional Extras
You get to further customize your insurance policy based on your unique needs. These extras include:
- Car hire
- Car warranty
- Credit shortfall
- Sound equipment and other accessories
- Scratch & Dent
- Personal accident
- Tyre & rim
- Hail damage
With all these options, you are sure to get the best solution for your needs. On top of this, when choosing the best car insurance company, your premium will decrease monthly!
We’d love to help you choose the best car insurance for you. Fill in our contact form and we’ll contact you as soon as possible and provide you with an obligation-free quote.
