Affordable auto insurance cover

Part of the responsibility of owning and driving a car, is to protect it, yourself, your passengers, other road users and their property. The best type of protection is through auto insurance cover.

Why get full auto insurance cover?

Having a Redisure Comprehensive auto insurance cover means that you have more than just the basic cover required such as Third Party or Third Party, Fire and Theft. The Redisure Comprehensive policy provides full protection against the financial risks accompanying vehicle accidents, theft, hijacking and some unforeseen mishaps for you and other people involved in unfortunate event.

Many people select cheaper auto insurance covers because Comprehensive cover is the most expensive option. Even though it may suffice in many instances, the trade off in financial protection is not always worth the risk. Since the Comprehensive cover provides maximum coverage, it goes without saying that it would be more expensive.

How to determine the level of auto insurance cover needed

If you have a very old car or will not do a lot of driving, you can consider Third Party cover only. It should be noted that only damages to property or person of the third parties are covered through this type of policy. No damages to your vehicle or person are included in the policy.

If however, you require more protection, but for financial reasons, or because of very limited usage of the vehicle, you don’t want to take out a full auto insurance cover, you can select the Third Party, Fire and Theft policy as your vehicle is also covered against damage caused by fire.

This policy also includes protection against liabilities arising from damages to the person or property of third parties as the result of an accident. The added cover against the loss of your vehicle as a result of theft however, is important in a country such as South Africa, where an average of more than 100 000 vehicles is stolen every year.

If you buy a new vehicle, live in an urban area, drive around often, have passengers in your vehicle, and also want protection against the risks of hijacking and costs associated with accidents, such as hotel expenses, you require the Redisure Comprehensive cover.

What does the Redisure Comprehensive cover include?

As the name states it is a full car cover to protect you against the majority of risks and expenses associated with them:

• Protection against liabilities to third parties, their vehicles and properties when you are the cause of the accident.
• Cover for your vehicle, yourself and passengers in the case of a hijacking or accident.
• Covering of hotel or accommodation expenses as the result of an accident or hijacking incident with your vehicle.
• Key and lock replacement costs are covered. Thieves may attempt to steal the vehicle and in the process damage the locks or get away with the car keys, and as such, a new set of locks and keys is required.
• Windscreen damage repair and replacement costs are covered. At Redisure we make the process extremely easy. You are directed to your nearest PG Autoglass centre where you pay the excess amount directly and have the repairs done.
• Cover for loss of your vehicle due to an accident, fire, theft or hijacking.
• Medical expenses of the involved parties up to the maximum amount as stipulated in the auto insurance policy schedule.
• Liability for unauthorized passengers.
• Gap cover for the shortfall in credit when the vehicle is still financed.

The affordability full auto insurance cover at Redisure

We realize how important it is to have the most comprehensive cover in a country with a tremendously high rate of accidents, theft and hijackings of motor vehicles. As such we go out of our way to ensure that the premiums are kept low. We have for instance, done away with the normal broker commissions and only charge a below average flat fee for the insurance administration. In this way you know that we don’t try to sell the most expensive cover, but are committed to the provision of the most reliable and affordable auto insurance for our clients.

We recommend a number of ways to lower premiums even further, including taking a higher excess in return for a lower premium. We also offer no-claims bonuses and provide lower rates when vehicles are fitted with VESA approved anti-theft and tracking devices, are parked in lockup garages and secure areas etc.

There are several other instances where the clients are also rewarded for reducing the risks. As such we work with you in helping you to afford the most comprehensive auto insurance cover at the best possible rate. Contact us for advice on the lowest premiums and best covers available.