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The best type of affordable car insurance for first-time drivers

Wednesday, August 26, 2020

You just bought your first car! Let’s start by saying congratulations on this massive moment in your life. We hope you have many fun and safe kilometres in your new ride. If you are still looking at buying your first car, we know how tough such a big decision is, and can only hope you find that one sparkling machine you love. And if you’re still learning how to drive, be patient. You’ll get the drift of it all real soon.

One of the first things you need to do when you buy a new car is to get car insurance for first-time drivers. There will be many new terms you’ve probably never heard, and things you will need to consider, but we are here to help make life a bit easier for you.

Getting Car Insurance

There are quite a few car insurance companies in South Africa, each offering you a unique car insurance policy that may include certain benefits. At Dialdirect, we offer up to 75% cashback each month, meaning you could save more money if you drive well.

You can get your own fully comprehensive car insurance policy which is in your name and covers your car. Alternatively, give your parents a call and ask if you can be put under their car insurance. This is a great way to get used to paying for insurance policies if you are new to it and don’t drive that often yet.

Whichever way you choose to get car cover, just remember to compare car insurance quotes to see where you can save. This gives you the best car cover and benefits -  like ours where new customers get up to 500MB of free data!

Car Inspection

Before your car is covered, the car insurance company will want to take a look at it first. This is usually done by going to a specific car inspection centre which can be booked in advance. However, we offer a hassle-free DIY car inspection which can be done online from anywhere. We know, amazing!

Claiming When Needed

If you wish to claim for an accident, the car insurance agency will want to know why you are claiming. They will ask what happened, if you were involved in a car accident or whether you caused the damage yourself. If you were involved in a car accident, they will ask for an accident report number, or case number - the same number you get from the police when reporting the crash.

They will also ask about the damage, which will involve getting the damage assessed by an expert. Car insurance companies usually have their own list of approved car repairers or inspectors.

Changing Car Insurance Rates

Now that you have claimed from your car insurance, your monthly car insurance premium is likely to increase. This is because your risk profile may have increased. Don’t worry, it’s not all bad news. There are ways to potentially decrease your monthly car insurance premiums.

One way is to do advanced driving courses at certified driving academies. Not only is it a fun day out but the certificate can help decrease your car insurance. Another way is to drive well. The more fines you have to your name, the higher the risk you will be to car insurance companies. So, keep a clean driving record.

Want to know more about car insurance for first-time drivers? Would you like to get a car insurance quote? Call us on 0861 007 367 or submit your details online and we’ll give you a quote, asap!

 

Dialdirect is an authorised FSP and Insurer T’s and C’s online.