Car insurance benefits

Comparing the benefits and disadvantages of not having car insurance provides a clear picture of why anyone owning and driving a vehicle in South Africa should have car insurance.

Reasons for not having car insurance can include:

• Cutting on monthly expenses.
• Mistakenly believing that you and your vehicle are not at risk when it comes to accidents, hijackings and theft.
• Rather saving the money in a bank account for incase of a mishap.
• Believing that car insurance companies don’t take your interests seriously.

You only save money as long as nothing happens. When the unfortunate mishap does occur, you are exposed to extreme financial burdens which may be caused due to damage or loss of your vehicle, injuries sustained, expenses associated with accidents and the loss of property, as well as face tremendous burdens because of lawsuits by third parties. Apart from this, you also may still owe money on your vehicle and thus need to pay the outstanding amount while being stranded without a vehicle.

If you compare the reasons for not having car insurance to the disadvantages and risks involved, you will agree that vehicle cover is a necessary expense.

How can you benefit from taking vehicle cover at Redisure?

Since we are a brokering firm and not a direct insurer, we represent your interests. As such we always look for the best policies from service providers to suit your specific requirements and budget. We provide you with advice on:

• how to lower your premiums and risk
• selection between policies
• securing your vehicle
• how to qualify for a no-claims bonus
• select a low risk vehicle
• your rights as client
• procedures to follow to obtain the best quotes
• procedures to follow when you place a claim

What distinguishes us from other brokers?

We don’t charge any commission. This means that you pay lower premiums. We only charge a flat fee, far below the normal broker commission rates for insurance administration. This holds two major benefits for our clients:

1. Lower monthly expenses.
2. The assurance that we don’t benefit from selling expensive policies and thus have your interests at heart when we provide advice on car insurance.

Full access to information and assistance

We offer you online and call center assistance. Our online facility makes it easy to locate all the necessary information to make an informed decision about car insurance, request a quote, or file a claim. This facility is available 24 hours a day and can be accessed from the comfort of your home.

We also provide advice and assistance through our call center where our qualified, trained and friendly staff members guide you through the details of car insurance. This type of convenience and availability make the process of obtaining vehicle cover and filing claims hassle free.

We offer three main options to suit your specific requirements:

• Comprehensive Cover
• Third Party, Fire and Theft Cover
• Third Party Cover

The most extensive cover includes protection against financial burdens associated with collisions, fire, theft and hijacking. The driver, passengers, vehicle and liability to third parties and their properties are covered. Hotel expenses, repair costs, replacement expenses, windscreen damage repairs, credit short falls, liability because of the unauthorized carrying of passengers, key and lock replacement expenses, medical costs, and more are covered through the Comprehensive Cover.

The Third Party, Fire and Theft Cover protects you against liabilities to third parties when you are the cause of the accident. It also includes cover for fire damage and theft.

The Third Party Only provides protection against liabilities against third parties and their properties.

Rewarding our clients

We reward our clients for responsible driving and taking steps to secure their vehicles with lower premiums and no-claims bonuses. When you own a vehicle, you are at risk of getting into an accident or losing your vehicle as a result of theft or hijacking. Rather than living with the risk, take care of it in an affordable way. Contact Redisure to find out how you can obtain reliable car insurance hassle free.