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Considering the cost of replacing your belongings or repairing your car, most of us can’t afford to go without insurance. But when shopping around for cover, you want to make sure you’re getting your money’s worth. Enter: The no claims bonus. Sounds good, right? But let’s dig a little deeper to see if it’s really the insurance perk it claims
South Africa’s yearly car accident toll is among the highest in the world. According to a 2013 report by the International Transport Forum and The Clark Law Office attorneys, vehicle-related calamities cost the nation more than R307-billion per annum. What’s more, the same period recorded a total of 58 312 motor thefts, and 139 572 smash and grabs. With such
If we had to put a name to the general charades and goings-on in the insurance space in South Africa, we’d probably call it ‘The Emperor’s New Clothes Syndrome.’ Just like people in the classic Hans Christian Andersen tale kept up pretences rather than admitting to something that might let them appear stupid or incompetent… There are important facts in
Third party car insurance is one of the most misunderstood cover options on the market, yet it could be exactly what your situation calls for. It protects others involved in an accident you caused, and it automatically forms part of most comprehensive policies. Understanding when it makes sense, and when it falls short, could save you money and stress down
The fact that car insurance is absolutely essential is not rocket science. If you drive a car, a lot of things can go wrong with it. It could get damaged in an accident. You could be hi-jacked or your car could be stolen. Someone could possibly even break into it while it’s parked somewhere and steal valuables that you left inside. So
Buildings insurance is a non-negotiable condition of every South African home loan, but most bond applicants don’t realise they have more choice than their bank lets on. From what replacement value actually means to why underinsuring could leave you personally covering a shortfall of hundreds of thousands of rands, understanding the rules before you sign could save your kingdom a
No one ever plans for a car accident, but let’s be real: They can sneak up on you faster than an unexpected pothole on a Joburg highway. Whether it’s a little bumper bash or something more serious, accidents are stressful. Your brain goes into panic mode, and suddenly…
There are three types of motor insurance in South Africa: comprehensive, third party fire and theft, and third party only. Each covers different risks at different price points. This guide explains exactly what each type covers, what it excludes, and how to choose the right one for your car, your budget, and your circumstances.
A phrase that is lately often used in the short term insurance space is ‘no claim bonus.’ But what exactly does this mean? To help you understand it, let’s explain…. Let’s say you have a comprehensive car insurance policy with a short term insurance company… But in your first year you so happen to be one of the lucky ones
Vehicle insurance in South Africa is less optional than most drivers realise. With nearly two thirds of vehicles on our roads completely uninsured, a single accident, hijacking, or hailstorm can leave you facing repair bills of R30,000 or more, with no recourse. What many policyholders do not know is that the right cover does not have to cost more every
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