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Motor Insurance

Motor insurance 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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2020/04/03 09:22:23 AM
Motor Insurance
03 April 2020

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