The worst advice you could get about car insurance

   

Jade Poole from I write words

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car insurance

The bad advice you should probably ignore (and listen to this instead)

If there’s one thing that people love to do, it’s to give advice. Unsolicited, more often than not. What can we say? It’s human nature to want to impart some deep-rooted wisdom along our way. What if the advice in question happens to be bad? Like, “of course you can cut your bangs with kitchen scissors” bad.

Or worse, “you don’t need car insurance”.

There are plenty of misconceptions out there when it comes to car insurance, and we’re here to tackle them. The next time you hear one of these phrases, perhaps you could do us all a favour and pass the info along.

“It’s not necessary”

Yes. Yes, it is. This person is missing the mark, big time. It is so necessary, in fact, that many car financers will not loan you money without it.

If you’re in the market to buy a car and you know you can’t afford a monthly premium to put towards car insurance, you can’t afford a car. Wait a bit. At least until you can pay for protecting your vehicle for however long you have it.

Read: I’m never on the road, why do I need car insurance?

“It’s too expensive”

When something is deemed “too expensive”, that often means it’s too expensive for what it’s worth. If something is worth a lot, the expense needs to be worth it. Car insurance isn’t cheap, but that doesn’t mean it isn’t affordable (and completely worth it) 

There’s a misconception that comprehensive, flexible insurance has to be the most expensive option. At Oneplan, our goal is to make trustworthy, comprehensive insurance available to as many South Africans as possible.

A bad car accident without car insurance can throw you a massive financial curveball. You need to do your best to avoid that.

“It won’t save you money”

People who say this are either a) trying to persuade you to opt for cheap car insurance or b) they’ve never seen a bill that comes out of a nasty crash with an uninsured third party. And trust us, there are a lot of uninsured third parties out there.

Maybe times are a little tight and you’re looking for areas to cut back on. Maybe you’ve considered cancelling your car insurance policy to save up some money. Life works in unkind ways sometimes and the last situation you want to be in is cancelling your insurance policy only to have your car stolen the next week. 

That leaves you with the burden of still paying off your stolen car to your lender (insurance would have otherwise fronted this cost) and figuring out a way to finance a new one (again, something car insurance would have covered)

If you still aren’t convinced, read our blog on cheap car insurance and how you’re paying in the long run.

“You hardly drive, cut back on your car insurance”

This one could catch you if you aren’t careful because it sounds like it almost makes sense. You may even think it’s a smart move. But hear us out on why it isn’t.

Car insurance is there for events besides accidents - there are other costs to take into account. Theft, fire, third-party damages are all equally expensive, and they can happen whilst your car is parked away in the garage.

So if you’ve found that lockdown has limited your time on the road, rather give us a call and we can negotiate your premium. After all, your car is safer with you at home and we want to give you the best premium based on your updated risk profile.

Related: I’m never on the road, why do I need car insurance?

“Claims are a nightmare”

This isn’t just bad advice, it’s lazy advice. Are there insurers out there with cumbersome claims processes? Yes. But that just means you haven’t found the right fit.

To prove to you how easy car insurance claims can be, we’ll walk you through ours:

  1. Log in to the Oneplan App (if you’re logging in for your mother-in-law take ten deep breaths)
  2. Enter your current policy number.
  3. Check out our menu icons and select “Car and Household”.
  4. Select the  “my claims” icon and next select the “load claim” icon.
  5. Now you’re going to select which vehicle you want to claim for and the kind of incident you want to claim for.
  6. Complete the required incident info. The more thorough you are, the more we can help you out.
  7. Upload your images under “motor accident”.
  8. We’ll get straight on it!

If you’re looking for good advice when it comes to car insurance, then it’s best to stick to professionals.

 

Yours in zero-hassle car insurance,

Oneplan



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