You just purchased your first car, oh what a monumental stage in your life. Soon you’ll be cruising the mean streets of South Africa, music blaring to your heart’s content. Before you hit the road however, auto insurance should really be on the very top of your to do list.
Let’s face it, this is South Africa not Sweden. You’re going to need reliable auto insurance to protect you against accidental fires, theft and accidents. In fact, car insurance can even supplement your health insurance in case of an accident.
Searching for an auto insurance company can be tricky, especially if you haven’t done so before. So, to help you on your quest we have compiled a list of the top ten questions to ask auto insurance companies in order to find out which company is right for you.
There are three basic types of car insurance available in South Africa: Comprehensive Car Insurance, Third Party Fire and Theft Insurance and Third Party only cover. Comprehensive Car Insurance covers you for theft and hijacking, loss or damage caused by accidents, and fire or natural disasters.
It also covers you against claims made by third parties where you are responsible for damage to their vehicles. Third Party Fire and Theft differs from Comprehensive Car Insurance in that it does not provide cover for accidental damage to your vehicle. Third Party only is the cheapest of the three options and provides cover for any damage you may cause to someone else’s vehicle.