Tuesday, 1 September 2009

Car Insurance In South Africa

When shopping for car insurance in South Africa, it is important to be prepared to shop around. Each insurance company policy will be slightly different and if you only see the bottom line dollars and cents, you could spend trying to compare apples with bananas.

Usually, there are three types of car insurance policies in South Africa. Which is the best suit your needs?

· Comprehensive car insurance: This coverage will pay for everything to repair or replace your vehicle if damaged or stolen.
· Limited car insurance coverage: Any damage or loss that you spend for your car caused by fire, lightning, explosion, theft (or even a theft trial) will be included in a limited range.
Theft-Excluded · Policy: This policy will cover damage to your car caused by fire, lightning or explosion, but not as a result of theft.

While comprehensive coverage for any car owner looking for car insurance in South Africa would be ideal, you should take your own personal situation into consideration, because it is a more expensive option on an annual basis that, for example, a car-theft Excluded insurance policy.

Now that you have a basic policy you choose, there are several other coverage upgrades to consider. Do you need to have certain accessories are insured, such as high-end rims, or a custom stereo system? What about medical bills incurred from accidents? You may want to consider to get insurance on them, too.

The final step in getting car insurance in South Africa really made an investigation! You have to decide what policies you may need, what additional coverage you may need and now you're ready to call several insurance companies of different cars and get some quotes.


Anonymous said...

Finding the right insurance really is a problem and if not enough research is done, you can spend a fortune on the wrong choice.

I found Indwe Risk Services, a company that offers motor & motorcycle, household, personal and business insurance! Their premiums are low and they quick to respond to your requests online or by phone. Now that’s what you need, low monthly premiums for quality insurance cover.

Since I was concerned about their payout system for my car and home – I asked about that and their were no hidden costs and all the fine print under “Terms and Conditions” was explained to me at no extra cost.

Word of advice, ask as many questions as you possibly can, ask about different scenarios and how they’ve handled them in the past.

Thus far I’m more than Indwe Risk Services.

Give it a try – I found them on

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