Car Insurance Quotes

This web page has important details where to find the best car insurance quotes in South Africa

When searching for a car insurance quote you will need to do a bit of research to find the particular policy that will suit your personal needs as well giving you good value for money. Since the rise of the internet car insurance company websites have blossomed making it more difficult for customers to differentiate from one type of cover to the next. The team at InsuranceZA.org have compiled a guide that will help you find suitable policies, which ,we hope will provide benefits and services at no extra charge.

Car Insurance in South Africa

There are several companies providing car insurance in South Africa. Each provider has divided their policies into three individual product. The most expensive car cover is usually the comprehensive policy, then it's third party fire and theft followed by third party only.

Comprehensive Insurance Plan

As already mentioned, this coverage is the most expensive type of motor insurance available in South Africa. However it is also the product that will offer the best extras and benefits. So, when drivers who have paid that little extra for comprehensive insurance, the benefits and extra services receive may be worth more than the difference with a third party, fire and theft policy. Some of the extras that may be included by the leading brokers and underwriters are protection from liability claims, no-claim reward, protection against permanent disability,  hospital benefit to help with medical costs, coverage of wreckage removal and recovery costs. Some police holders may receive cover for emergency accommodation if they are stranded away from home after an accident.  A company may also allow for cost of winching equipment after a road traffic accident has occurred as well as emergency repairs. As well as cover for any damage to the vehicle  a comprehensive policy will cover a wide variety of personal effects such as dents and scratches, loss of keys, liability to other people as well as costs to other vehicles involved in a road accident.

Third Party Fire and Theft Insurance

Third party fire and theft policies are regarded by many as one of the best car insurance cover 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.

Third Party Only Insurance

Off the three main policies Third Party Only is the most basic insurance coverage. This product 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.