A Guide to Comprehensive Car Insurance

What is comprehensive car insurance?

This is all-inclusive cover, which provides cover for almost all eventualities. By getting comprehensive car insurance you’ll get cover for accidental damage to your vehicle. It provides cover for damage due to theft, loss due to theft, hijacking or fire. It also pays out in the event that you cause damage to the vehicle of a third party.

The reality is that many people avoid getting this type of car insurance because they consider it to be too expensive. However, it’s not always the most expensive type of cover.

Why get comprehensive car insurance?

Having reliable short term insurance will give you the financial protection and peace of mind you need.  This type of insurance provides the most extensive type of cover. If you’re driving on South African roads, it can be very helpful having comprehensive car insurance. Consider the fact that only about 35% of South African motorists are insured. This means that if you’re involved in an accident, chances are that it’s likely that you’ll face the costs involved any repairs that must be done.

Although it’s quite often the most expensive type of car insurance, you’ll have nothing to worry about because most eventualities are covered. You get cover for unforeseen emergencies as well as for theft and hijacking, loss or damage caused by accidents, fire and natural disasters like hail and floods. In addition, you can also claim from your insurer for accidents that are deemed to be your fault. This also applies when fault can’t be proven.

If you’re buying your car through a bank or another financial institution, you will have to get this form of insurance, because the bank or institution will want to protect its asset.

These days it’s easier getting access to comprehensive car insurance. You can get it online or directly from the insurance company.

 

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