is insurance that you take out on any form of motor vehicle. This includes
motorcycles, caravans, trailers, trucks and other forms of transport, from
scooters to tractors.
There are a large number of insurance
companies that offer motor insurance. Some are general insurance
companies, while others specialise in this sort of short term insurance. Make sure you shop around
for the best deal, and donít accept everything at face value. There are many
instances where people have been quoted a certain amount by an insurance company
and have then called around and received much cheaper quotes, which the original
company has thereafter been happy to match. The bottom line is that in many
instances insurance companies will charge you whatever you are willing to
accept, within reason, but they have built in buffers which allow you to bargain
them down, so do not hesitate to do this - due to crime rates in South Africa,
we pay massively inflated premiums compared to many other
countries, so in is in your best interests to find the cheapest deal while not
compromising on your insurance cover.
Another thing to bear in mind is that
you can choose to ensure your car at the replacement price or at the full market
value. If you choose the former, you will be paid out what it would cost to
replace your car, while the latter will only pay you out what your car is
currently worth. This can make a big difference the longer you own your car.
It is also very important that you obey
the rules of the road and the law in general while driving, otherwise your motor
insurance might very well not pay out in the event of an accident. The obvious
example is driving under the influence of alcohol. Insurance companies have
recently made it crystal clear that if you are driving while over the legal
limit, you are essentially driving uninsured.
You are also
responsible for ensuring that you vehicle is in optimum operating condition, as
you will not be covered in the event of an accident if your car is subsequently
deemed to be unroadworthy. If your tyres are smooth or if you have an accident
while it is raining and your windscreen wipers are not working, your motor
insurance will not pay out in most cases. Regular car services are thus
recommended for insurance purposes, as well as for your own safety.
Motor Insurance Companies In South Africa
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