When It Comes to Car Insurance We’ve Got You Covered.

A car insurance inspection centre is a facility where vehicles are examined to determine their condition, primarily for insurance purposes.

When applying for a car insurance quote, you must have a full insurance inspection on your vehicle to receive an accurate assessment before getting your written policy from your insurance company.

Your car insurance quote is usually valid for 30 days, but it also depends on the insurance company and their quotation policy.

In some cases, insurers offer a longer timeframe, while others offer shorter timeframes. 

Most car insurance policies last 6 to 12 months, depending on your agreement with your service provider.

There’s no set amount for how much you can save if you compare quotes and shop around for different providers and their policies. 

How you’ll save by comparing quotes is that you’ll find the most comprehensive car insurance that protects all your needs and save on premium rates, which can in turn save you 1000s of rand.

You should compare as many quotes as possible to find the best price and coverage to suit your lifestyle and financial status.

Additionally, comparing multiple quotes will not deter your credit score status. 

Generally, all motorcycle insurance covers the costs of liability claims, legal fees, death or bodily injuries, and property damage.

It’ll depend on the limits of the specific policy plan and the insurance company you choose to insure with. 

Yes, you need additional insurance coverage for a caravan and trailer because most service providers seldom cover the costs of damages to your caravan and trailer in the case of an accident.

If you frequently use either a caravan or trailer, it’s advised that you apply for additional coverage.

Yes, car insurance is cheaper for women than it is for men.

This is because women are statistically better drivers than men are, which insurance companies use as one of their validation points to calculate your premium rates when applying for car insurance.

Yes, you could get penalised if you cancel your insurance policy prematurely, and depending on your policy, it’ll determine what charges you incur on cancellation.

In most cases, if you cancel after the cooling-off period without making any claims, you’ll get charged administration fees.

Yes, you can protect your no-claims discount if you’ve chosen to pay a protected no-claims discount.

Even if you have claimed or your insurer recovers the costs from another party, your protected no-claims discount will protect your discount from being revoked.

Yes, lower km’s justifies cheaper insurance premiums. 

The lower the annual millage is, the better the rate you’ll be paying.

One of the main factors influencing the rate is that the less you drive, the lower the risk of an accident. 

Yes, most car insurance companies carry out credit checks in order for you to qualify for car insurance. 

They do this to create a credit-based insurance score to help determine your premium rate. 

However, if you have a bad credit score, there are some insurers who provide insurance policies without credit checks and charge some of the highest rates. 

The simple answer to this is yes; your premium will go up if you claimed the year before. 

Although some insurance companies boast a “no increase” policy, there will be an increase in your rate. 

Only if you can provide enough evidence that whatever the claim was for was not your fault will they consider not increasing your premiums. 

Your job affects your insurance premium if you’re more at risk between working hours. 

Meaning, if you’ve got an office job, you’ll pay a lower premium compared to a labourer who is exposed to dust, fumes, and other harmful chemicals.

A labourer’s life expectancy is shorter than the average person’s. 

Car insurance is more expensive for new drivers because they have less driving experience and are a higher risk.

The older you get, the more experience you’ll gain on the road while driving, and insurers take this into account, which is the reason why your premium rates drop over time.

Yes, it’s better to pay car insurance annually than monthly. 

This is because it’s cheaper when you pay one payment upfront with no added extras. 

Paying monthly doesn’t split a 12-month bill and incurs extra charges, such as an interest rate.

The cheapest month to buy car insurance is the month before your current policy expires.

In fact, it’s recommended that all renewals be done at least 2 to 4 weeks in advance.

A claim could be rejected for many reasons.

These are some of the main reasons a claim could be rejected:

• A stolen car without a tracker (if the insurer requested a tracker be installed before the event of a theft).
• You cause an accident while driving recklessly.
• Incorrect information supplied on the claim.
• If your claim exceeds your coverage limit.
• If you’ve already exhausted your coverage limit before the claim is made. 
• Your policy doesn’t cover the claim being filed. 

This is why it’s important to do your research, compare quotes, and go over the finer details of your policy to make sure you’re covered for everything you need to be. 

For your parents to be able to help you get cheaper car insurance, they’ll have to take the policy out on one of their names. 

If you’re between the ages of 34 and 75, the premium rates for car insurance are significantly lower compared to a 20-year-old driver’s rates.

A no-claims bonus is a bonus that you’re entitled to if you don’t make any claims for a year.

Here, you’ll receive a percentage discount on your premium the year after, and the longer you don’t claim, the more your no-claims bonus increases.

If you do make a claim, you’ll lose your no-claims bonus, and your premiums for the following year will increase.

Although you can get permission from the owner of a car to drive it, it’s not legal to drive another person’s car.

If you want to know if your car insurance covers you when driving another person’s vehicle, check your policy and see if you’re covered for driving other cars (DOC).

Additionally, this is also dependent on the owner’s third-party insurance policy; otherwise, the owner must have your name on their list of drivers that are insured on their policy.

The DOC coverage is only intended to cover you in an emergency situation.

You can estimate your yearly travel distance by multiplying your weekly mileage by the number of weeks in a year, which is 52. 

For example, if you drive 400 km per week, 400 km x 52 weeks, that would equal 20,800 km per year.

Your car’s age, mileage, and condition will determine its value and worth.

To help get a close enough valuation on your vehicle, there are tools online

Yes, you must declare an accident with your insurer within a reasonable time.

You, however, don’t need to claim for the accident and must stipulate that it’s for informational purposes only and state that you’re not claiming for it.

If an accident is not declared within a reasonable time, it could result in penalties or a rise in your premiums.