Get peace of mind with cheaper car insurance

WHY WILL NO ONE INSURE ME?

If your car insurance has been refused, cancelled, or voided, this could happen for a wide range of reasons. However, if you are having trouble finding cover for your vehicle, try not to worry as there are plenty of options out there. What is non-disclosure? One...

Defensive Driving Techniques to Avoid Accidents and Insurance Claims

If you want to reduce your risk of traffic accidents and the insurance claims that accompany them — which could cause your premium to go up — you need to drive defensively. Here are some driving tips to help you avoid crashes and stay safe on the road. Always Assume...

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...

With increasing financial pressure in South Africa right now, finding ways to save money has become such a priority for most people.

One of the best ways in finding the cheapest insurance cover for your vehicle, home and business.

1. Comparing quotes

With a broker at your disposal, you can compare insurer’s quotes, options & excesses easily and make sure you aren’t paying more than you need to.

2. Higher Excess = Lower premium

Excess is the amount of money you will need to pay from your own pocket when you make a claim. Many insurers will allow you to raise your excess in order to reduce your premiums.

3. Insure for the correct value

Retail value, the trade-in value, and the market value, which is an average of the retail and trade-in values. All of these values can be adjusted based on your car’s condition and mileage. Just bear in mind that, should your car be written-off or stolen and not recovered, if you’ve insured it for a lower value, your pay-out will be lower.

4. Reduce risk factors

If you’re at a higher risk for theft or accidents, your premiums will be higher. You can’t change factors like your age or how long you’ve had your driver’s licence for, but here are a few things you can try to do to lower your risk:

– Park in a locked garage.
– Move to a low-crime area.
– Drive a car with extra safety and anti-theft measures.
– Drive carefully and conscientiously to build an excellent driver safety history.
– Be honest with your insurer.
– Take an advanced driving course.
– Move closer to work. Less time in the car means less risk of an accident.

5. Combine home and building policies

It’s a lot easier to manage all your plans with one insurer rather than managing multiple plans with different providers.

6. Compare insurance options yearly

This may seem like a waste of time, but comparing your insurance with other options out there at least once a year can save you a lot of money. Remember your credit score, claims history & vehicle value changes every year, this can most likely help in getting you a lower premium.