Car Insurance Explained for
South Africans

By Tokkie Ferreira       Last updated Jul. 26, 2017


South African roads are among the most dangerous in the world… Accidents happen daily and over half of the residents in South Africa drive on the roads without any insurance coverage.

That means that if you are in an accident, the chances are very high that you will have to pay your own repairs because the other driver simply isn’t insured.

Drivers need to be insured. Everyone knows this, so why aren’t there many insured drivers on the road?


Here is why most South African’s DON’T have insurance:


  1. They don’t drive regularly thus do not think they need it. They may only drive to work and back or only take the car out once or twice a week and not for long distances.
    But most accidents happen close to home when we get lazy with our driving in familiar territory.

  2. The insurance is not affordable. It may be expensive but even the most limited of insurance is worth the price when it comes to you and your loved one’s safety.

  3. Drivers are not aware of the high price of repairs. Once in an accident, an uninsured vehicle will pay a high price for repair. If the car is destroyed and beyond repair then it needs to be written off.
    Without insurance to compensate the cost, it is nearly impossible to immediately afford a new car. The insurance industry standard is to write off the vehicle if it has sustained damage more than 70% of the car’s value.
    Insurance will help you pay for the new car and not leave you stranded on the side of the road.

  4. Many drivers simply do not think that they will ever get into an accident. It is in our human nature to not believe that bad things will happen to us or our family.
    Accidents happen to other people who are not paying attention to the road. Not too good drivers like us, right? Wrong. Even the best driver cannot possibly control other driver’s behaviours.
    Even the best driver can get experience a car crash. The best drivers are therefore insured, as they know that the unexplained happens and unplanned for events also do occur to those who take safety precautions.

Even though we do not plan for accidents to occur, they do and we need to be prepared for.

We also need to prepare our drivers when they are behind the wheel. Finding car insurance can be intimidating. It can be tough to find the right car insurance policy to fit your needs.

Even more difficult if you do not know what you are looking for and how much you really need.

Most car owners end up just buying the first one they come across rather than shopping around for a better deal. By doing this, they end up not purchasing the right kind of insurance for their car and their lifestyle.

To help take a headache out of purchasing your car insurance we have come up with some tips and information to help steer you through the busy streets of car insurance carriers to find the right one for you. We are on your side and are here to help you with anything you need.


Here are some great tips when getting car insurance :


Best Price or Best Value

best-value-for-car-insurance


A lot of people look for the best price which usually buys them the least amount of coverage.
Instead, look for the best value for your money.

This way, you are getting a great price for better coverage. You and your family are the most important aspects to think about when purchasing car insurance. Then you want to find the best monetary price to cover your precious cargo.

Compare several different companies on the same coverage to get the best value for your money.


The Small Print

trusted-car-insurance


Does the company that you are looking at have a lot of fine print or is the wording confusing?

Are there a lot of exceptions or additions to the policy? If so, then you want to back away and go with someone else. A reputable company will offer a great rate and a quality product with clear and concise wording.

Read through each document before you sign. Know what you are getting and ask any questions that you need to get the complete picture of your car coverage. Know what your fees will be and the pricing structures for the policy you choose.


Waiting for Coverage

instant-insurance-coverage


Search for a company that will give you instant coverage. You should not have to wait a week or more for your insurance to start.

What happens if you get into an accident in the mean time?

Some companies get you covered at the time of sign up online. The point here is to get you and your family covered as soon as you get on the road.

It gives you peace of mind and gives you the coverage that you need when you need it.


Contacting the Insurance Provider

trusted-insurance-provider


You need to be able to contact your insurance provider to answer any questions that should arise.

A reputable company will not only be there when you call but will take the time to talk to you. You should not have to leave multiple messages for a representative to call you back and their office should not be closed for most of the day.

Your company should have their own website so you can contact them by phone or online. They should be open every day and be there for you when you need them.

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Armed with these tips, you can go out and find the perfect car insurance for you and your family.

It is not a hard endeavour and with your specific needs in mind, you can get through the crowded thoroughfare of insurance providers and their coverage limitations. Put time into your search. Don’t just jump at the first one. Take your time and do your homework.

Get the insurance that is right for you and your lifestyle, plus insure all the members of your family and at a great value that you can afford.

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