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Often Asked Car Insurance Questions

July 19, 2011 | Author: | Posted in Insurance

Having a car insurance policy is extremely important! Thinking the condition that our streets are in and the number of unlicensed and careless drivers on the road, it is scary to even think that some people are even now roaming our streets without insurance!

I believe a few of the primary causes why quite a few people are without car insurance is since they don’t realize the importance of an insurance policy and secondly because acquiring car insurance looks like such a complex and time-consuming job that they’d rather take the risk without it.

The truth of the matter is that you will discover numerous effortless ways to buy car insurance these days. It is possible to log onto the web and compare quotes in a matter of minutes, visit your local insurance business or contact your broker – there are numerous obtainable resources to pick from! The essential thing is to have an excellent idea of your requirements and the various insurance packages and services accessible before contacting an individual to support you with the finest policy for you.
Let’s take a look at a couple of the most generally asked car insurance questions:

Should I insure my car for company use, professional use or individual use? Private use is probably the most obvious kind of insurance for individuals using their vehicles for general day to day purposes. It is on the other hand significant to understand that utilizing your vehicle to drive to the office and back is also regarded as private use and you do not need to out a firm policy for this! Firm use comes into play when you use your vehicle for company purposes for instance meeting clients, visiting suppliers etc.
Typically most corporation packages would automatically cover your vehicle for private use too. In some instances, insurance corporations would offer a third sort of policy called a professional use policy which is really similar to a business policy, but caters for doctors, accountants and other professionals who would not be in a position to perform their duties without their vehicles. Ensure you are quite clear about your needs and wants to be able to be supplied with the appropriate car insurance policy.

Why are some policies very cheap and others really expensive? The cost of your policy normally depends on the associated cover. A third party insurance policy for example, is a quite affordable option, but you’ll be able to only claim for your insurance for damages or injuries to a third party (person or vehicle) and not for your personal injuries or vehicle damages. A comprehensive policy on the other hand will be much more expensive, but in this example it is possible to claim from the insurance for practically everything from a little chip on a windscreen to death or disability due to an accident (this differs from company to company and must be stipulated in your insurance terms and conditions).

The bottom line is that no car owner should be without some type of car insurance. If a fully comprehensive policy is too expensive, choose something uncomplicated and far more affordable.

For more information on car insurance, go to http://www.payasyoudrive.co.za

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