Cheap Car Insurance

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

 

Finding cheap car insurance in South Africa that will provide good value for money for the policy holder is not as straight forward as some insurance companies would have you believe. Before applying for an insurance quote it is important to make a small list of what particular cover will suit your personal needs and budget. The team at InsuranceZA.org have compiled a summary of the different products that are on offer from brokers and underwriters throughout South Africa and what common benefits are included within each premium. The aim of our team when producing this outline was to help drivers choose the correct policy.

Types of Cheap Car Insurance

In South Africa there are basically three car insurance polices that are provided by agents, companies and brokers. The products on offer usually fall under the following categories,

1. Comprehensive Car Insurance.

2. Third Party Fire and Theft Car Insurance

3. Third Party Only Car Insurance.

Comprehensive Car Insurance Plan

This insurance 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.