Vehicle safety

Insurance premiums can be lowered when vehicle safety steps are taken for both reducing the risk of theft and accidents. When the insured party takes the necessary steps to prevent accidents or theft, Redisure rewards the client with lower premiums, excess reductions, and no-claims bonuses.

The following vehicle safety steps can reduce the risk of loss due to theft:

• Park the car in a lockup garage in the evenings as the majority of cars get stolen from the gardens of homes during the night.
• Fit VESA approved anti-theft devices such as removable steering locks, immobilizers, car alarms, and gearlocks to the car.
• Install a satellite tracking device to the car. The service providers have an extremely high recovery rate and are able to track the car within seconds.
• Don’t park the car in the street.
• Where possible park the car in a secure area at work.

All of the above vehicle safety precautions taken, will lead to reduced premiums, making insurance affordable, yet comprehensive at Redisure.

Considerations of vehicle safety when you purchase a car

Several vehicle safety aspects are taken in consideration when insurers work out premiums. Some cars fall in a high accident risk group, whilst others are more likely to be stolen. Ask your Redisure consultant about the vehicles most at risk of being stolen or hijacked.

When the insurance premiums are determined the following factors play a role:

• Age of the car – older cars are more likely to have worn out parts, such as shocks, brakes, cv-joints, exhausts, wiper blades etc. and thus pose a higher risk for accidents.
• Color of the car – certain colors such as grey, metallic blue, and black are more difficult to spot in bad weather conditions, in the early mornings and in the evenings and are thus more at risk for head-on collisions. White, red and yellow cars are more visible. When the color is selected, the cost for repainting the car is also taken in consideration.
• Make and model of the car – certain car models have additional safety features such as airbags, ABS brakes etc. which reduce the risk of accidents and injuries.
• Older cars don’t always come standard with seatbelts for the back seats and as such the risk of injuries are thus higher.
• Repair costs, parts available, and estimated time taken for repairs are also taken in consideration.

When you take the above in consideration when you purchase a car, you can considerably reduce your premiums by selecting a car that is safe, reliable, cost effective, and comes with standard safety features.

Although the following vehicle safety precautions will not directly influence your premiums, taking the necessary steps reduce the risk of accidents and thus having to claim. If you don’t claim for a specified period you qualify for the No-Claims Bonus (NCB) from Redisure as a reward for responsible driving, and precautions taken.

• Always check the oil, water, tyre pressure, working of the lights and wiper blades before you embark on a long journey.
• Be alert when you come near a robot as many collisions appear at intersections when drivers skip the red light or stop street.
• Keep a safe driving distance between your car and the car in front.

The following additional vehicle safety steps can be taken to prevent theft, a break in or hijacking:

• Never leave valuables in the car when it’s parked.
• Don’t put a handbag, cell phone, or other valuables on the seat while driving.
• Always keep the car doors locked and windows rolled up when you drive.
• Always keep one car length between your car and the one in front of you open, when you stop at a robot, to give you a chance to escape in case of a hijack attempt.

Redisure not only rewards clients for taking vehicle safety steps with lower premiums, but also provides the NCB in addition for not claiming for the specified period. Our cover options include a Comprehensive Cover; Third Party, Fire and Theft Cover; and Third Party Only Cover.

In addition we also offer a flat fee for insurance administration rather than commissions, ensuring that you pay the lowest possible premiums, with the best cover for your specific requirements at all times. Contact us for advice on vehicle safety and insurance.