How do you ensure you’re insured properly? Part 1
Has something you’ve insured ever been damaged? If so, did you ask yourself the question, “Am I covered for this?” despite having paid your premiums on time every month for years? When you hit the garage door on your way out, or someone puts a dent in your car in a parking lot, you shouldn’t have to worry about whether or not you’re covered.
The best way to find out what you are and are not covered for is to read your schedule of insurance along with your policy book, but even when you do this, it’s so full of information that it can be difficult to remember all the Ts and Cs. That’s why we thought we’d make it simple to understand what you should and shouldn’t do when it comes to insuring your property and possessions. This month we’re looking at car insurance, and next month we’ll tackle your home and portable possessions cover.
Your vehicle takes you everywhere you need to be, so it’s important to know just what you can and can’t do when it comes to your car insurance.
Types of insurance
Comprehensive: If you want to be covered for just about anything and everything, this one’s for you. With Dialdirect you’re indemnified if your vehicle is accidently damaged or stolen, plus you have access to our approved towline and storage. Plus, if you choose to, you can also add in:
- cover for your sound system
- hail damage cover
- vehicle hire
- SASRIA cover
Third-party, Fire and Theft: The main difference between this cover and comprehensive car insurance is that you are not covered for any accidental damage to your own vehicle.
Third-party only: If you’ve got this type of insurance, you won’t be covered if your vehicle is stolen or damaged, but we will indemnify you for damage you cause to other parties or their property.
Types of usage
It’s vital that you tell us how you’ll be using your car. If you only drive to a fixed place of work and on personal trips, then it’s classified under private use. If you rely on your car to conduct business, you’ll be insured under business use. When you’re upfront with us about how you use your vehicle, there’s no need to worry about not having your claim paid out based on what you were doing at the time your vehicle got stolen or damaged.
Make sure you know if you’ve got comprehensive, third-party, fire, and theft, or just third-party insurance. Also, be sure to let us know exactly what you use your car for so we can classify your usage correctly.
Insurance doesn’t need to be complicated. With Dialdirect, we make it clear and concise so that you can get the best cover for your vehicle no matter where you go in South Africa. Get a car insurance quote online today, anywhere, anytime.