How to Get Affordable Car Insurance in South Africa
Looking for more affordable or more beneficial insurance for your car? You’ve come to the right place. Our mission is to help you get the best insurance to suit your budget and needs. How? By getting you quotes from reputable South African insurers.
How Can I Get Car Insurance Quotes?
It’s easy! Just fill in our form and wait for the ideal insurance provider to give you a call. Our system selects the best option for you from top car insurance companies in South Africa. You’ll get cover for your vehicle that suits you.
Do Quotes Cost Me Anything
Our quotes are free and free of obligation. You’re not committing to anything by requesting a quote. Requesting a quote won’t affect your credit score or even your cell phone bill. It takes under two minutes and costs you nothing.
What are the Benefits of Getting Car Insurance Quotes
The insurance market in South Africa is dynamic and competitive. Insurance companies will do almost anything to win you over. Comparing your options by getting quotes means you can save money on your premiums and find cover with more benefits.
But before insurers seduce you with more benefits, bigger bonuses, and cheaper premiums, you can learn more about almost all the car insurance companies in South Africa on our site. If you’re looking for a better option, we won’t tell your current car insurer you’re shopping around. You can make sure you’ve got the best, stress-free.
1. Cover the Financial Risks of Owning and Driving a Car.
Owning and driving a car is a significant financial risk. According to statistics, around 65% of drivers on our roads don’t have car insurance. That leaves the costs up to you to pay if you’re in an accident. That’s why getting cover for your car can really benefit you.
2. In Case of Theft and Breakdowns
Car insurance covers other insurable events too. If someone steals or breaks your car, you won’t need to pay up. Many policy options cover breakdowns and even offer roadside assistance. The cost of fixing your car can be high, but vehicle insurance can cover that for you so you don’t have to stress.
3. Cover Your Liabilities.
If you cause an accident, South African law can hold you liable for the costs of any damages, injuries, and losses. Can you afford to pay for hospital bills, replacing totalled cars, repairing damaged vehicles, and more out of your pocket? If not, you need a car cover policy.
Types of Car Insurance
All the options aren’t the same. Some policies give you more cover and more benefits! Some policies have a fixed excess, and others allow you to choose your excess. A few cost more and others are more affordable.
How to Choose the Best Policy for You
Compare the benefits, the excess, the exclusions, and the premiums. What you’re willing to pay and the kind of cover you need will be most important. Some policies that cost a bit more can save you lots of money when an insured event like an accident occurs. But there are options for those who are on a tight budget, too.
1. Comprehensive Car Insurance Plans
If you’re looking for one plan with all the good stuff and extra benefits, it’s going to be a comprehensive option. Comprehensive plans cover liabilities, fire and theft, and just about any monetary loss related to your insured car. They often cost more too because you get more than on any other type of plan.
2. Third Party, Theft, and Fire Plans
If your car gets hi-jacked, burned, stolen, or damaged, this type of policy covers you. It also covers third-party liability. In other words, you get cover for if you caused an accident and need to pay for the damage to another person or their property. You may not get cover for hail damage or other events insured on a comprehensive pan.
3. Third Party Only Plans
Known as the most affordable type of car insurance in South Africa, third-party only cover only covers you when you’re liable for the accident. If you’re the one responsible for the accident, you won’t have to pay all the other person’s costs yourself. Your insurer offers cover for it. It doesn’t, however, offer cover for anything else.
4. Specialised Vehicle Insurance Plans
Finally, some insurance companies offer policies designed to cover the unique risks of specific vehicles. You can get 4×4 insurance or motorbike insurance tailored to the risks of driving these cars. The benefits you get suit the challenges you may face