Review of Vehicle Insurance South Africa

This website has all the details of vehicle insirance in South Africa

Vehicle and Transit Insurance South Africa

Vehicle insurance in South Africa provides basic cover for car owners in the event of either a road traffic accident or fire or theft of their vehicle. There are several companies that provide an array of policies that will suit most South Africans. The three most popular insurance policies with benefits include are;

1. Comprehensive Insurance Cover

Off the three main motor vehicle insurance cover, comprehensive insurance is the most expensive. But like life itself, with vehicle policies, you get what you pay for! As well as cover for any damage to the vehicle a comprehensive insurance policy will cover a wide variety of personal effects such as dents and scratches, loss of keys, liability to other people and some policies will even allow for tow-in costs and safeguarding, recovery costs, emergency accommodation and non-standard vehicle sound equipment. Comprehensive cover will also provide optional benefits but these will vary with each insurance agent. One of the more positive benefits of being a careful driver is that all vehicle cover will promote safe driving by reducing the cost of insurance by the no-claim reward schemes.

2. Third Party, Fire & Theft

Third party fire and theft policies are regarded by many as one of the best car insurance products available to South Africans. Although this cover does not extensively safeguard as much as the comprehensive policies, it will still give vehicle owners peace of mind in they are misfortunate to be involved in an accident or if their vehicle is stolen or catches fire. Prices for this type of cover are wide ranging. A person owning a 4x4 vehicle are liable to pay a higher cost than someone in a much smaller motor. There will also be differences in what  a 4x4 vehicle policy provides from one car insurance agent to another. Depending on the company, a third party fire and theft insurance product may also have optional cover that could help protect your vehicle.

3. Third Party

Off the three main insurance policies Third Party Insurance is the most basic. This cover will only allow liability to other people in the event of road accidents were the policy holder is at fault. The policy holder's vehicle will not be covered for damage or theft. This car cover does not cover for wreckage removal and the mainly the benefits designed for those not driving a luxury vehicle and would benefit motorcycle owners.

Other Vehicle Insurance

Today, brokers can provide cover for numerous modes of transport from a simple all-risk insurance for a bicycle. Policies for watercraft have become more popular as this pastime has grown during recent years. Cover for watercraft can an option that allows for general  or emergency repairs but like other policies there may well be excesses or other charges when a claim is applied for. If you are seeking for an unusual policy it is probably better to speak to a consultant as insurers can give invaluable advice and expert guidance in all types of underwriting.

If you follow the majority of customers who decide to change brokers, you will find there are several benefits and will certainly reduce your car insurance. As already mentioned, that all brokers and insurance service providers state that they are the best car insurance company but you can be assured that most companies that have introductory offers, only do so to source new business. Most  companies do not pass on their latest offers to their existing customers. When you are choosing vehicle cover it is very important to find out if there are any hidden costs such as surcharges, as well as how much excess you will need to pay per claim. 

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The team at Insurance ZA have strived to add every major and local insurance company to this site. Although we are aiming for 100% of South African brokers to be listed in this website we are sure that there are a number of brokers that we may have missed.

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