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In South Africa, everybody needs to make sure that his or her property is properly protected against the dreaded worst-case scenario. The sole purpose of car insurance is to safeguard your hard-earned assets.

All South-Africans know that the crime rate is, unfortunately, out of control. In fact, SA is amongst the top 10 Countries with the highest vehicle crime in the world. This depressing statistic serves as a reminder. We must all prepare for the worst.

Car Insurance Excess Waiver

Some of the South-Africa car insurance providers offer a benefit called “Excess Waiver” for a small fee added to your existing premium. With this benefit, you can essentially say goodbye to any form of excess. This benefit is usually an optional benefit and can be added to most vehicle insurance policies.

To get easy car insurance quotes, simply fill in our contact form, and our experiences consultant will get in touch as soon as possible, we can get you hassle free car insurance quotes in a flash.

Comprehensive Car Insurance

With a comprehensive car insurance plan, you can make sure that your vehicle has full protection. With a comprehensive car insurance plan, you can make sure that you have cover. It can be if you cause damage to other’s property, or if you damage own property. This type of insurance is usually the most expensive but will also provide the best service. For valuable vehicles, this is the option to consider. With comprehensive vehicle insurance, you can usually specify valuable items sometimes transported in your vehicle.

Third Party, Theft and Fire Insurance

With InSHoor™, you can find basic third party, theft and fire insurance. It is a watered down version of the comprehensive car insurance cover. It is an entry-level version that will make sure that you have protection. It includes damage to an expensive vehicle, your vehicle is stolen, or loss due to fire. This option is used for smaller, less expensive vehicles. It still gives you the peace of mind that you have some form of car insurance. Having this option will help you in the event of certain events. Although slightly limited, it is still very effective.

Third Party Only Insurance

This option is the most basic form of car insurance. Our providers offer a basic, “Third Party Only” option. The sole purpose of this option is to safeguard you against large claims. With this option, you will, have no cover when your vehicle is stolen. At least you can rest assured that if you cause an accident and there is major damage to expensive vehicle(s), you will have adequate cover. This option will be best for people that do not care about their vehicle too much. They just want to make sure that they have protection when they cause damage to other’s property.

Pay as You Drive Insurance

With Car Insurance Finder, you can find ‘Pay as you Drive” insurance. It is plain and simple, the less you drive, the less your insurance premium will be. It is usually calculated on the kilometres you drove. This form of car insurance can be very cost effective. This option was designed for vehicles that are usually not on the road very much. Having your vehicle safely at home severely limits the risk of the vehicle. This option can be used for expensive “Sunday” vehicles, or secondary vehicles that are used per occasion.

What is Car Insurance Excess?

Excess is a term used throughout the insurance industry. Excess refers to the amount the policyholder is liable for at the time of a claim. Most car insurance policies have a fixed excess fee. For example, if you claim for damages of R15 000 as specified in your policy, you might be liable for the first R1000. Let us say the damage to your vehicle is R50 000, you still only pay the R1000 as specified in your policy wording. It is compulsory for your car insurance policy to state exactly what your excess fee is. Sometimes car insurance policies will increase your excess to reduce your monthly premium. It is always wise to make sure you know exactly what your excess amount will be.

The idea behind car insurance excess is to limit policyholders to claim for unnecessary damages. If the claim is less than your excess amount, the insurance company will not contribute at all. Excess is a fair industry practice and will be applicable to most car insurance policies. The level of cover does not always affect the excess.

There are a couple of types of car insurance excesses. For example, the excess amount for theft might be different from the excess amount for accidents. The reason there are different types of excess is the average amount of loss than can be sustained. Let us say you have a minor “fender bender.” It can cost the insurance provider R20 000 to repair. You as the policy holder might be liable for R2000 leaving the insurance company liable for R18 000. On the other hand, if your vehicle is stolen, the car insurance provider will be liable for the total insured value of your vehicle. This makes it a bigger risk; thus, the excess amount might be more to subsidise the possible risk.

With the above said, it is sometimes wise not to claim for small amounts. Most South-Africa car insurance providers offer what they call a “No Claim Bonus” benefit. This benefit will usually reward the policyholder for not claiming. This amount can sometimes be worth the wait. This benefit was designed to encourage the policyholder not to claim unnecessarily


It is risky to drive without insurance on your vehicle. We have heard stories where people buy new cars, and it is stolen the same day. If you finance a vehicle, you will be forced to have insurance before you leave the building. You can easily forget insurance if you buy the vehicle cash. Do not wait until it is too late. There are many options to suit every pocket.

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