South African roads are full of “what-ifs“. What if a jacaranda tree falls on your parked car, or you swerve to avoid a j-walking hadida and slam into someone’s wall? What if you find yourself in the middle of a three-car pileup or plough into a dam-like pothole?
Whether it’s due to bad weather, dodgy road conditions, or just sheer bad luck, accidents and tragic misfortunes happen to all of us – even those blessed with superb driving skills and smash-and-grab window protection. When they do, you may be faced with auto repairs, injuries, or the cost of replacing a stolen vehicle.
While most of the time, car insurance claims are humdrum affairs involving fender benders, other times, they are more serious. Without car insurance, a bad accident or vehicle theft could catapult you into financial hardship.
Having the right car insurance is crucial to guarantee that you’re covered in case the worst happens. The question is, how do you choose the right car insurance?
According to motus.cars, the more you know about car insurance options for new and used cars, the easier it will be for you to pick the right option.
This is what you need to know:
Comprehensive insurance
This insurance, as the name implies, covers almost everything, including damage, theft, and costs to your own car and third parties in the event of an accident in which you are at fault. Policies differ amongst insurers, so check to see if items like breakdown assistance or coverage outside of South Africa are included or not.
Basic insurance
Basic insurance is less expensive than comprehensive coverage and protects you against theft, fire, and hijacking. It also protects you from third-party disputes. You are not, however, protected for damage to your own vehicle in the event of a collision.
Car insurance for third parties
Third-party insurance is the most affordable option but only covers damage to other people’s property. This is usually not a sensible idea unless you have a very old vehicle and a money tree growing in your backyard.
Other types of automobile insurance
Some motor insurance companies provide standalone plans that you can purchase for additional coverage. This is beneficial if you get third-party insurance and want limited additional coverage, such as legal insurance, breakdown support, and medical insurance.
The bottom line
Auto insurance is a must-have if you own a car, lease a car, or even drive someone else’s car. There are various forms of coverage to choose from depending on your needs and situation. It’s important to familiarise yourself with the available types of insurance coverage and what each one does.
motus.cars offer a convenient, simple, and safe car purchase experience. Consumers are spoiled for choice with a network of more than 300 trusted vehicle dealerships across South Africa, representing more than 30 car manufacturers. Chat to a motus.cars dealer to find out more about the insurance you’ll need when purchasing your car.
Each dealership is Motus-certified and backed by more than 70 years of automobile retail experience, so you can purchase, sell, finance, and service your next vehicle with confidence – with just one click!
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