Your ultimate “I Have AMAZING Car Insurance” Check List
A perfect policy isn’t all about the premiums. What else do you need to look out for when it comes to car insurance?
Sometimes the price tag can do most of the talking. What if we told you it isn’t the be-all and end-all for finding a car insurance policy you actually ENJOY?
Listen to some extra elements that make a difference. What should you be looking for? And most importantly, where can you find it?
Things You Didn’t Know Mattered About Car Insurance (No, It’s Not The Price)
1. It needs to be comprehensive
We’re starting off here because, well, it’s the most important part. Even if your budget is a little tight, you can still afford car insurance that’s completely comprehensive.
The number one mistake you can make when you’re signing into a policy that’s third party only. Here’s why: third party insurance covers\ any damaged experience by the OTHER car if you’re in an accident. When you look at it that way, you’re paying monthly premiums towards covering somebody else’s costs and never your own!
A lot of insurers will offer comprehensive cover as an add-on product. We do things differently here, though. Our policies are always comprehensive, regardless of your budget.
Just because we keep it comprehensive, that doesn’t mean our car insurance will ever break the bank. We believe that everybody should be able to drive safely on the roads, which is why we’re always working to keep your costs down and your value offerings up.
Comprehensive insurance covers you for the most. It includes cover for:
- Fire And Water Damage
- Total write-offs
2. You have a flexible cover
Have you ever signed the dotted line on a contract that was a nightmare to get out of? Or have you had to cancel cover because you couldn’t afford it next month but you know you could next month?
It’s not fair, and it often sets you back more than you realise. Instead, find a car insurer that makes a plan for you!
For example, we let you pause your car insurance cover whenever you need to. Cancelling your insurance can lead to higher premiums, signing on fees and waiting periods. If you pause your cover, you can pick up right where you left off with us.
Flexible car insurance makes the world of difference, so make sure you ask what your car insurer does to make your life easier!
Need some prep time? No problem. Read this article next - 6 FAQs about Vehicle Insurance: the quick answers you’re after.
3. They need a good rep
You may think that less popular insurance companies can offer your lower premiums because they’re small. When it comes to reliable insurance, reputation is everything.
Ask around, do your research and see what you can find out about the brokers you’re interested in. Trust us, people love to give honest reviews on their insurance (just maybe take them with a pinch of salt, sometimes).
4. Insurance tailored to you
At the end of the day, it’s your car and it’s your insurance policy.
When you’re shopping around for the perfect policy, make sure you’re seeing what your insurer can do FOR you.
At Oneplan, we give you total control over your cover. How? By letting our customers choose their excess.
Every time you make an accident claim, there is an excess fee that comes along with it. However, that doesn’t mean you can’t have a say! The Oneplan family has the opportunity to adjust their excess depending on what’s going to suit their budget and lifestyle.
You can go high or low, whichever your heart (and wallet) desires! The excess you choose will directly affect your premiums.
You could lower your premiums by opting for a higher excess fee, meaning you’ll have time to save money if you do end up having to pay an excess fee. On the other hand, you can lower your excess amount which means you won’t be paying as much towards an accident claim, and you’ll pay a higher premium.
5. Claims are fast
PSA: insurance is here to stay. Until the end of time, people will be making car insurance claims. Because of that, we will always strive to make claiming as simple as we possibly can.
When you need to claim, all you have to do is snap a picture of your car and upload it via the Oneplan App. No paperwork, no hassle.
Oh! That reminds us - you can “waive” goodbye to admin fees if you make use of our fast-claiming system. If you upload photos directly from the scene of the accident, we will waive your standard admin fee of R2000.