Want To Save On Car Insurance? Can't Afford 100% Cover? How Oneplan Lets You Choose How Much Cover You Want

   

Jade Poole

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How Oneplan Flexible Car Insurance Works

Did you know that there are nearly 8 million cars driving around in South Africa that are NOT insured? This means that your risk of getting involved in an accident with an uninsured driver is incredibly high. 

Don’t be one of the millions without car insurance. Get insured with an insurer that lets you choose how much cover you want based on what you can afford. Here’s what makes our car insurance hassle-free and 100% flexible. 

When it comes to vehicle insurance, some cover is better than none at all. Because what happens when something goes wrong and you have to pay for the damages costing thousands of rands? 

January is tough enough as it is, don’t make it worse by not having car insurance

Why car insurance is a smart choice

Perhaps you don’t have car insurance because you think that you can’t afford it. Other insurers might charge you high premium costs to provide you with comprehensive cover. But not us. We do things a little differently. 

And here’s how…

With Oneplan, you have total control over your cover

Onplan Car Insurance

We get that your budget might be a little tight. It’s hard enough to afford groceries and fuel for your car, let alone car insurance. 

Which is why we created car insurance that you can tailor to your budget

Can’t afford to cover the total value of your car? Only want 50% cover? No problem. We’ll cover you for exactly that. 

Let’s go 50/50. 

What about 40% cover? We do that too! Even 30%!

We believe in giving you options. We know that everyone is different - that’s why we give you TOTAL control of your cover. 

How we do this is using a sliding scale. Basically, you select the percentage of insurance you can afford, selecting cover from 30% to 95% and we work out what your monthly premium will be based on this percentage. It’s that simple. 

For example - If you have chosen 50% cover for your car, then we cover you for 50% of the retail value of your car in the event of a write-off. Or we cover 50% of damages in the event of an accident resulting in repairs. 

Or, if you select 35% cover, then we will cover you for 35% of damage and repair costs (or replacement costs) and you cover the remaining 65%. Make sense?

Keep in mind that there are also excess costs involved. But all of this is explained in your policy document. 

Basically, you select the exact percentage of cover that you want and we will cover you for that. Meaning you have to cover the rest in the event of a claim.

Change your cover & your premium at the click of a button

You can adjust your cover from the palm of your hand using the Oneplan App. All you have to do is login and use our cover slider to change the amount of cover you are paying for and we will bill you according to this exact cost. 

So, that means you can adjust your insurance premium to suit you and your wallet. 

You can take a look at this article which will explain what makes our insurance uncomplicated, hassle-free and 100% flexible

Our cover is ALWAYS comprehensive

Now, you might start to associate cheaper insurance with third party cover only. A number of other insurers will offer this form of cover as the lowest kind of insurance you can get. And the truth is, it’s just not enough when it comes to insuring your car and helping you cover expenses from an accident. 

Have a look at this article where we break down everything you need to know about third party insurance and why we don’t offer this to our clients. 

The thing is, we want to give you the best form of cover possible. So, instead of only providing insurance that covers the damage costs to a third party, we cover the costs of your own car too! No matter what percentage of cover you have chosen. 

Why it pays to have comprehensive car insurance

Let’s look at some real-world examples to give you an idea of why it pays to have vehicle cover…

Situation: You drive into someone else’s car

If you are not insured and drive into another car, then you are liable for the damage costs. Even if the other driver is insured, their insurance company will view you as the guilty party and demand payment. 

The costs of damage to the other car could be hundreds of thousands of rands. A simple panel beating of a dent can cost upwards of R10 000. Nevermind the costs to your own car. 

Situation: Your car is stolen

“There were roughly 32 000 incidences of hijacking of motor vehicles in 2018/19” according to Stats SA

These figures should be enough motivation to have vehicle insurance. If you do not have insurance and your car is stolen or broken into, then you are responsible for the cost of replacing your vehicle or fixing it. 

This means that if you do not have the means to pay for the replacement or repair costs, you will be left without transport until you can afford to buy a new car or fix your own. Having comprehensive insurance means that we will help cover the replacement costs of your car or the repair costs based on your chosen percentage of cover. 

Situation: An uninsured driver crashes into you

If someone crashes into you and they do not have insurance, they might not have the financial means to pay for the costs of damage. This means that you will have to pay the legal costs of trying to claim damages from this driver. This could be a waste of time and money as the other driver might be unwilling to pay for the damage. 

Avoid all the financial stress and frustration of the above situations and get yourself car insurance that you can tailor to your budget. 

The best part? You can sign up online right now

Yours in flexible car insurance, 

Oneplan




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