Vehicle Insurance help

axon1988

axon1988

New member
Some of you people know me, most of you don't.

I need help insuring my car, I need your help! :D

Going on a long trip this week and would like it all sorted out before then.

What would you recommend I do? Give me tips, anything really. I need all the help I can before I make up my mind.
 
You should talk to a broker. I think everyone has this anti middle-man thing because of the Outsurance ads, but they do actually know about insurance and can give you good advice, and can usually organise the best rates for you, and tell you what the best policy and insurance company would be for your situation. Also, they are your best friend if you actually need to claim.
 
matt said:
You should talk to a broker. I think everyone has this anti middle-man thing because of the Outsurance ads, but they do actually know about insurance and can give you good advice, and can usually organise the best rates for you, and tell you what the best policy and insurance company would be for your situation. Also, they are your best friend if you actually need to claim.
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Your words have been taken to heart thanks.

I'm communicating with a couple of brokers as we speak, also I've never heard anything good from outsurance. So i'm trying to avoid them. Apparently it's a real pain to claim from them.
 
Axon try phoning Santam. im have never had issues with them and their rates are very reasonable. also they dont have these giant excess which the other companies urge you to take if you want a lower premium. 0860 444 444
 
Isn't there that hippo thing (can't think of what the name is exactly) that searches for the best quotes etc? They have those stupid, pathetic and moronic ads on tv.

I think my mom is on Auto and General, don't go with them. Trying to get a claim from them is like trying to steal a rugby ball from Schalk Burger.
 
I used to be at Santam and now I'm at Hollard. Can't complain about any of them, but in both cases, it is done through a broker. Pretty much everything that Matt said stands.

As for Outsurance... The older you are, the better they are for you. At this stage, they're still quoting me about double what I'm paying right now. I've also heard that they sometimes like finding technicalities to not pay out which is where the broker is useful. I've had a stolen laptop once where the insurance company didn't want to pay out and after the broker intervened, they finally paid out.
 
Broker...'nuff said

Half the price of any other quote from going 'direct' (Outsurance, Budget, etc).
 
I have found that any price they give you, is always negotiable.

I have phoned Outsurance on many occasions, and they would give me a price. Then you say something like "I got a better quote from you last time / I got a better quote from a rival company" and they quickly say "hold on" and each time they have come back with a cheaper quote.

I got my home (building) insurance down from 420 to 302 by just asking for a better price. :)
 
ViperGTI said:
I used to be at Santam and now I'm at Hollard. Can't complain about any of them, but in both cases, it is done through a broker. Pretty much everything that Matt said stands.

As for Outsurance... The older you are, the better they are for you. At this stage, they're still quoting me about double what I'm paying right now. I've also heard that they sometimes like finding technicalities to not pay out which is where the broker is useful. I've had a stolen laptop once where the insurance company didn't want to pay out and after the broker intervened, they finally paid out.
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Funny, I used to be with Hollard, but my broker got me to move to Santam (Since then moved to M&F). At the same time, the same broker got a guy who works with me to change from Santam to someone else, basically because our situations and insurance needs are different, and different insurance companies suited us better. That's the kind of thing that regular folks like us don't really understand properly.
 
TBlaar said:
I have found that any price they give you, is always negotiable.

I have phoned Outsurance on many occasions, and they would give me a price. Then you say something like "I got a better quote from you last time / I got a better quote from a rival company" and they quickly say "hold on" and each time they have come back with a cheaper quote.

I got my home (building) insurance down from 420 to 302 by just asking for a better price. :)
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They are really all like that, you just need to play them against each other. Basically they want to try get as much money as possible from you, but they want your business, so if you ask, and especially if you have cheaper quotes, they will go lower.

Then every year when they send you a letter to say that your premiums are increasing, you can give them a call and say kak, I'm older, so a lower risk, I have another year of claim free history, and my vehicle has depreciated so the book/market value that you're insuring me for is actually less than last year, I want a reduction in premium. You can usually get away with paying slightly less than before the increase.
 
Yes, that's true.

I got married end of last year, and when I phoned them and told them, they also dropped my total premiums with R10 per month :D
 
ViperGTI said:
I used to be at Santam and now I'm at Hollard. Can't complain about any of them, but in both cases, it is done through a broker. Pretty much everything that Matt said stands.

As for Outsurance... The older you are, the better they are for you. At this stage, they're still quoting me about double what I'm paying right now. I've also heard that they sometimes like finding technicalities to not pay out which is where the broker is useful. I've had a stolen laptop once where the insurance company didn't want to pay out and after the broker intervened, they finally paid out.
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Don't know if you remember but Outsurance were running a thing where if you could get a better quote then what they were offering they would pay you R200. Don't know if they are still doing it.
 
Simon would remember any way to make money. Thanks for the help guys. I'm currently working it out with a local broker. :)
 
you dont have to go through a broker with Santam. you can contact them direct. i find its even cheaper than going through a broker. i just changed my insurance today for my new car (2012 1.2 Rio) and for a full comprehensive insurance including car hire and that shortfall cover im paying R643.02... for a brand new car. everywhere else i got quote over R750...
 
Outsurance, MiWay, etc. are all a scam, and Hippo is apparently owned by the same company so steer clear of their recommendations.

Get yourself a broker and behold the vast savings and lack of bullshit they'll bestow upon you. (Personally I recommend Alexander Forbes, best rate I could find and exceptional service.)
 
Dan said:
Outsurance, MiWay, etc. are all a scam, and Hippo is apparently owned by the same company so steer clear of their recommendations.

Get yourself a broker and behold the vast savings and lack of bullshit they'll bestow upon you. (Personally I recommend Alexander Forbes, best rate I could find and exceptional service.)
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jip they are all underwritten by Auto and General(AA, Budget, Outsurance,1st for Woman etc) with the exception of Mi-way who are underwritten by someone else.
 
i see woolworths also have a vehicle insurance on offer but im sure they're underwritten by one of those big companies
 
So here we come to the verdict, after talking to a hell of a lot of companies and brokers the verdict is this:

They refuse to insure my car. :(

So no insurance for me.
 
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