Cheap isn’t always (good) enough…

Avoid deadly distractions behind the wheel

Not texting is a start, but there's more to safe driving. Here’s the bad news: Distracted driving causes thousands of accidents every year, many of them fatal. The good news? If you're driving, it's 100% preventable. You've seen them around your city or town. You may...

10 Tips to Protect Your Car’s Suspension System

Your vehicle's suspension system ensures a smooth and safe ride, protecting critical components from wear and tear. Understanding and maintaining the components of the system is essential, not just for comfort but also for the stability of the car on rough roads....

The what, why and how of a Vehicle Identification Number

If you’ve ever bought motor insurance, you’re likely to have come across the terms Vehicle Identification Number or VIN and chassis number. You must wonder why insurance companies insist on having this information. That’s because VIN is like a genetic identifier for...

What Is ORVM In Car And How Does It Work?

When you adjust the side mirrors before driving, you deal with the Outside Rear View Mirrors (ORVMs). These mirrors are essential for safe driving, helping you see what’s happening beside and behind your car. This post will discuss what ORVMs are, how they function,...

How to Track a Vehicle with GPS: A Simple Step-by-Step Guide

GPS-based vehicle tracking is today, one of the most helpful tools since it can be employed by any individual or company who wishes to keep track of their cars, trucks or any other vehicle. Thanks to today’s cheap GPS tracking devices, a vehicle owner can easily place...

How To Rebuild Your No Claims Bonus After An Accident

If you’ve had an accident, it can feel like all the good work you’ve put into building your No Claims Bonus (NCB) has gone down the drain. But here’s some good news, you can rebuild it. Your NCB in car insurance works like a reward for safe driving, and that lovely...

Safety Tips For Driving In Floods

Often when we get stuck while driving through floods we panic and force through the water. Instead you need to stay calm and follow these instructions. Situation One: Water Level Is Above Tyre Level  When water level is above the tyre level it's no use forcing...

Car Defogger and How to Use Them?

Have you ever experienced your car windows and windshield suddenly fogging up? It can be scary since poor visibility may cause a dangerous road accident. Driving in the cold or rainy seasons can often lead to foggy windows. This is a common problem, and can quickly...

How to choose the right commercial insurance policy

Unpredictability is the only predictable thing about business right now. Over the past few unprecedented data breaches, and global pandemics have all taken front stage in the insurance industry. And no business is immune.  With the range of commercial insurance...

Car Starting Problems: Reasons, Fixes, & Troubleshooting

Car starting problems are common for any car owner and are often a nuisance. Whether it's a car self-start problem or issues with the car's self-motor, understanding the underlying causes can help you address them quickly and efficiently. Common Reasons for Car Not...

With January being the month where there is more month left at the end of our money, many of us are on the hunt for bargains and ways of cutting costs where we can. Often times we make the mistake of cutting corners where we shouldn’t – and end up in a pickle when the times comes to get real value for money.

We all want affordable things, more so if it’s cheap – but is cheap always best?

Before you start cutting the wrong costs and chasing after cheaper deals, consider these options on how you can save on your insurance and still get the right value for money.

  • Get your comparisons right
    The most common mistake we make when comparing is thinking that “one size fits all” applies to insurance cover too. Beware of this mentality as needs differ from person to person, and insurance quotes are not created equally for every individual. There are different factors to consider for every client, and you don’t want to find yourself with inadequate cover that will cost you more in the long run than you bargained for. The cheapest option isn’t always your safest or best option. When comparing quotes, remember to consider all your cover needs, terms and conditions, affordability – compare apples with apples.
  • Choose your extras wisely
    Having a pimped out car that attracts the right attention may sound like a good idea socially, but is it a good budget idea too? You may be able to afford the fittings of non-standard accessories, but before you make that swipe – consider the impact it will have on your insurance premium. Where possible, skip on the upgrades to your car and appreciate it in its naturally manufactured state… your pocket will thank you as your when your premium doesn’t increase.
  • Plan ahead and secure your premium
    Paying per year and not per month may sound daunting and costly right now, but it’s actually cheaper to pay ahead. If you can afford to do so, pay for as far ahead as you can.
  • Consider your excess
    The excess you choose influences the premium you pay. Consider increasing your excess to decrease your monthly premiums. However, it is important to consider if you will really be able to afford that amount should the time come when you need to cover the excess at claims stage.
  • Evaluate your cover needs
    There are different cover options for you to choose from – make sure you choose the right cover for your needs and not just your pocket. The most expensive, and widest type of cover is usually Comprehensive cover – which covers your car and other vehicles in the case of an accident. You do get other, trimmed-down cover options, like Third-Party, Fire and Theft cover, but be aware when evaluating the type of insurance cover you need –  think about the worst possible scenario before making the big chop.
  • Tighten your security
    Increasing your car’s security not only limits or decreases your risk, it also decreases your premium. If you are looking to enjoy cheaper cover, consider adding extra security features such as alarms and tracking devices. Where you park your car also plays a role in determining your premium, so be sure to park it in a secure location where risk is minimised. If your parking location or security features have changed, remember to update your insurance policy too, as there is no way that your insurance provider will sniff it out unless you tell them.
  • Consider insurance when test-driving
    Don’t let insurance be an after-thought – consider insurance while you are still shopping around for a car. This will aid you in not only making a decision on the type of car to drive away with, but it will also give you an idea of the premium you can expect when getting insurance. Whether new or second-hand, find out which cars have higher risk profiles than others. Purchasing a vehicle with a lower risk profile will have a positive effect on your premium.