CAR INSURANCE COVER

A car insurance cover to suit your needs

Choosing insurance cover does not have to be a daunting task. Buying insurance cover from Redisure is synonymous with buying peace of mind. At the moment you can insure almost anything and many brokers will try to sell their products even though you might not really benefit from it. Brokers at Redisure represent you the client and will always provide you with excellent advice that will make it so much easier to choose an insurance cover.

Redisure brokers will assist you in selecting a cover to suit your needs and your budget. Redisure is not linked to only one insurance house or product. You can thus be sure that they will find the best possible product to address your insurance needs. They do not work on a commission basis. They charge a set administration fee, meaning better cover and lower premiums for you, as the valued client.

Different types of insurance cover provided by Redisure:There are three main categories of insurance cover that you can select from at affordable prices:

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

The selected option determines the level of coverage and what your monthly premiums will be.

Comprehensive Cover

Choosing comprehensive cover when insuring your vehicle will give you the broadest protection. It consists of the following:

• Cover against vehicle theft or hijacking
• Damage repair to your vehicle due to a break-in or accident
• Medical costs incurred due to injuries sustained in an accident
• Repair/replacement of windows/glass
• Cost of accommodation due to an accident or any other covered incident
• Liability protection for injuries sustained by unauthorized transport of passengers
• Credit deficit cover if the vehicle is still financed
• Liability to Third Parties and their property
• Repair/replacement of locks and keys
• Car rental while your vehicle is being repaired
• Specified cover e.g. sound system, computer equipment, other modification to the vehicle etc.

Comprehensive Cover is the more expensive choice and your premium will be influenced by additional cover required when specifying items that need to be insured.

Redisure will, like other insurers, not underwrite the following:

• Loss or damage to your car due to civil unrest, labour actions and public uproar.
• Any loss or damage inflicted to your vehicle specified by SASRIA for instance, through the actions of armed forces
• Any loss or damage to your vehicle related to nuclear accidents
• Any excesses, which may apply
• Consequential loss
• Any depreciation and general wear and tear to the vehicle
• Mechanical or electrical breakdown to the vehicle
• Loss or damage to your vehicle incurred outside the boarders of South Africa.
• Any loss or damage incurred to the vehicle when a person without a valid international or South African driver’s license drove your car, motorcycle or truck.
• Any loss or damage incurred to the vehicle if it was driven by an intoxicated or drunk person.

Third Party Cover

It only covers your liability to the Third Parties and their property when you are at fault or the cause of a traffic accident. This is the less expensive insurance option but also means that your vehicle isn’t covered.

Third Party, Fire and Theft

This policy provides cover against damage or the loss of your vehicle due to fire, or theft. It is also a more affordable cover to purchase if your budget is a bit tight. It includes cover against liabilities to a Third Party as the result of your actions behind the wheel.

No matter what option you choose, buying insurance is synonymous with peace of mind. An accident, theft, or damage to your motor vehicle is never planed, but will now be less of a financial burden because of the insurance cover you have.

All these disastrous events are very traumatic and the last thing you need to worry about, after a terrible incident, is finances or the lack of sufficient cover. With insurance cover provided by Redisure you have a monthly savings plan that will take the financial sting out of your car being totalled, stolen or hijacked.