You can get car insurance on the Internet which is becoming the fastest and most convenient method of finding, comparing quotes and signing up with one of the many South African providers. The beauty of applying online for vehicle cover is that it cuts out the need for filling out long, tedious application forms or having to stand in long queues or getting put on hold when phoning different companies for quotes. It takes only a few minutes to do a search for top SA insurers, most of whom have websites with facilities that help you to choose the right kind of policy and get quotes online fast.
One such method of getting car insurance on the Internet is to head over to an aggregator based website such as hippo.co.za. They are partnered with some of the most respected providers in the country and just by filling in a few personal details and vehicle details on the simple online form you can be sent several competitive vehicle cover quotations to compare. This is really fast! Having to enquire at these companies manually can take hours even by phone and you will need to go through the process of answering all the same questions and providing all the same personal and vehicle details time and time again, not to mention being put on hold all the time!
This is changing the way we can access quotes and speeding up the process of being able to compare and choose a provider that suits our budget and needs.
Of course, not everyone has online access at the moment and many that do are still using slow dial-up connections in which case the process is not as quick but as time goes by more and more people will be switching to ADSL connections and be able to apply for cover a lot quicker.
One thing that needs to be mentioned here is the fact that some companies are acting a little scrupulous when it comes to getting quotes online. We have known of many cases where an insurer will return a quote for a certain amount of money per month as a premium and when contact is made between the company and the client excuses are made and the premium is suddenly increased! Be careful with that kind of situation when getting car insurance quotes and information on the Internet.
Vehicle Insurance Types in SA
There are many vehicle insurance types in SA as in other countries. South Africa is a country with diverse terrains and the opportunity to use more than one type of vehicle. If you live inland you may need a fancy car, with good security. If you live on the coast you may want to invest in a boat and insure that. If you love the feel of fresh air on your face and through your hair then you may want to buy a motorcycle to drive along the beautiful coastlines or through the Karoo. In all cases it is worth taking all of your special comforts with you and so you may need to insure your caravan. Cover varies from vehicle to vehicle and depending on your own personal preference.
Fully comprehensive cover is one of the most expensive vehicle insurance types in SA but it is the one that provides the best chances for you as the owner. It covers you in all events of accident and sometimes accidental damage (e.g. hail or flood etc). In addition, it covers you whether you cause the accident or someone else does. This is useful because there are many drivers in SA who drive very dangerously and some roads are in a poor condition. Finally it provides you with fire and theft coverage. This means that if your vehicle is stolen, you will be able to claim the money back, or at least a portion of it, from the insurance.
The other alternative is third party insurance. This provides coverage in cases where your vehicle is involved in an accident with another person and their car or boat or motorcycle or caravan is damaged. The insurance company will ensure that that person receives money for the damages so that they can restore their vehicle. Third party insurance is normally cheaper than fully comprehensive cover for obvious reasons.
If you need more information there are a number of insurance companies in South Africa with websites that will help you to find out about vehicle insurance types in SA.