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Car insurance falls into the category of short-term insurance. This is obviously a relative term, as the time period is being compared with other forms of insurance, specifically life insurance. Car insurance is usually sustained for as long as you own and operate a car. It can be cancelled at any time and is paid on a monthly basis. Contrast this with life insurance (or assurance, as it is normally referred to) where the insurance is taken out for your entire lifetime, which is hopefully a much longer time.

Car insurance is mandatory when signing hire purchase agreements for cars, which is by far the normal way people buy cars in South Africa. The onus is on the buyer to organise the insurance, and proof has to be furnished to the financing institution, usually a bank. This is taken very seriously by the institution, as technically they are the owners of the vehicle until such time as it is fully paid off, and if the car is in an accident and is uninsured, there is no other guarantee that the debtor can pay for the necessary repairs – if not there is a significant depreciation in the value of the car that the bank still owns, and they would be losing money on the entire hire purchase deal. And we all know how banks are about things like that!

Car insurance covers a range of contingencies. It covers repairs in the case of accident, as well as damage to the other party’s car if it is the insured person’s fault. In a country like South Africa, it naturally also covers car theft. Given that this is one of the most popular pastimes in South Africa, it would be exceptionally unwise to drive a car that is not ensured against theft.

Insurance policies do not by default cover items installed in the car, like car radios and CD players, so you are advised to specifically have them included in your contract. It may cost a little extra in premiums, but this is certainly worth it, rather than being faced with having to replace your stolen top of the range sound equipment. You can also ensure items that are not installed in your car, but that you travel with, like a laptop, but this will generally not be part of your car insurance agreement.

Car Insurance Companies In South Africa

Auto & General Insurance Products
Auto and General as the name suggest offers car insurance in South Africa. Auto and General have a very good reputation and provide fantastic service with regards to getting insured and processing claims.

Regent Insurance Products
Regent insurance provides comprehensive car insurance policies which cover individuals and businesses in most eventuallities. Regent also offers a shortfall policy that wil cover the financial burden of the car.

Hollard Insurance Products
Hollard insurance offers a unique car insurance option in South Africa. Pay As You Drive. Your insurance premiums are based on how much you drive on a monthly basis.

1st for Women Insurance Products
You could be in line for huge savings on car insurance with 1st for Women. Get covered for all eventualities with 1st for Women`s flexible car insurance policy options. 1st for Women come with additional benefits not offered by other insurers.

Dial Direct Insurance Products
Dial Direct is South Africa`s favourite direct car insurance company offering savings of up to 25% on a customers premiums. With no middleman premiums are kept to a minimum but service is still 1st class.

Car Rental South Africa
If you're looking to hire a car as opposed to insuring one then look no further. Hire Cars in Durban, Johannesburg, Cape Town, Port Elizabeth, Nelspruit almost anywhere in South Africa.

Car And Household Insurer Of The Month
Low Cost Insurance
Dial Direct Insurance offers you the chance to apply for you insurance cover online for free. Get up to 25% by cutting out the middleman applying applying online today.

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2020/04/03 08:34:20 AM
Car Insurance
03 April 2020

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