When buying car insurance, everyone wants all the benefits at the lowest cost possible. That’s why it is important to compare different policies to see if they suit your needs and if they come at the right price. Unlike the offline situation, comparing cheap car insurance quotes online is quick and convenient.1,2,3,4
Comparing car insurance quotes
Comparing quotes of different policies will show you which one you can afford. It’s important to compare apples with apples. So, compare various comprehensive car insurance policies with each other and, similarly, third-party car insurance policies. The latter is cheaper than comprehensive car insurance but also covers less.1
Comparing policy benefits examining each policy’s benefits
Examining each policy’s benefits and seeing which ones suit you the best is essential. For example, you may like to benefit from a 24-hour roadside and towing service, hail damage cover, and a car hire option in case your vehicle is at the panel beaters. 1
It’s essential to understand the difference between comprehensive car insurance and third-party car insurance. As an example, see below different types of policies you can get from Prime South Africa.
Comprehensive car insurance provided by Prime
This insurance plan includes damage caused by natural fire and disaster, theft and hijacking, and accident cover and write-off. Third-party vehicle liability protection is up to R1 million per incident. The policy covers your car for up to 100% of its retail value. Other benefits include 24-hour roadside assistance and towing service, and hail damage cover. In the event of an accident-related death, as a policyholder, you enjoy a Free R10,000 accidental death benefit for your bereaved family.2
Prime’s customised car insurance has less coverage than its comprehensive car insurance product.3
Prime’s customised car insurance
This insurance provides total loss cover for accidental write-off, natural fire and disaster, and theft and hijacking. This plan includes a growing cover benefit which helps with repair costs caused by smaller accidents. Cover for your car is up to its full market value, while third-party vehicle liability protection is up to R500,000 per incident. Hail damage cover and a 24-hour roadside assistance and towing service are included benefits.3
Prime’s affordable third-party PLUS car insurance
While the base benefit of this policy protects your car against third-party claims (up to R500,000 per incident), a unique feature of this product is its growing cover component, which covers any accidental damage for your car too. The growing cover benefit (only from Prime) helps with the loss or repair costs caused by smaller accidents. This cover have various growth options that allow it to increase up to your car’s full trade value. Another great benefit is hail damage cover of up to R10,000.4
Understand your policy exclusions
Your policy excludes specific items which the insurer does not cover. It’s best to go through your policy to determine what is covered and what is not, and so avoid disappointment at claim time. 1
Disclaimer
The article aims to show you how to compare cheap car insurance quotes online. 1,2,3,4
Prime is the company to choose after comparing cheap car insurance quotes online. Enjoy
our world-class client service while you discover more about our affordable car insurance. The latter comprises of comprehensive and customised car insurance with fixed premiums* and reducing excess*. You can buy comprehensive or customised car insurance for cars up to 15 years, but there is no car age restriction with our Third-Party PLUS car insurance. T’s and C’s apply. Prime is the non-mandated intermediary and Santam Structured Insurance (SSI) the insurer.
Consult a financial advisor for professional advice to make sure you buy the correct financial services product.
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