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Car Insurance Cover

 

When insuring your car, there’s mainly three cover options to choose from:

a)  Comprehensive Cover

b)  3rd Party, Fire and Theft Cover, and

c)  3rd Party Only Cover

If your vehicle is financed, it must be insured comprehensively for the duration of the finance agreement.

Comprehensive Car Insurance

Provides cover against risks such as fire, theft, hijacking, accident damage, hail damage and liabilities to 3rd parties.

3rd Party, Fire & Theft

Provides cover against risks such as fire, theft and liabilities to 3rd parties, but excludes cover for damage to your own vehicle.

3rd Party Only

Only provides cover against liabilities to 3rd parties.

Optional Cover

The following cover is usually not included as standard cover on car insurance policies.

Credit Shortfall

Covers the difference between the current market value of a car and the outstanding amount owed to the finance institution.

Car Hire

Allows for a rental vehicle while awaiting repairs to be completed after an accident or when your car is stolen or hijacked.  The rental car will be arranged by your insurance company with their preferred supplier after a valid claim was received.  The maximum rental period should be indicated on your policy wording or schedule.

Roadside Assistance

Provides cover after a mechanical or electrical breakdown, i.e. locksmiths, assistance with a flat tyre or battery, emergency fuel etc.