SHOULD BUYING CAR INSURANCE ONLINE BE LIKE BUYING CLOTHES ONLINE?
You have had several attempts at buying clothes online and you were happy with the straightforward process as well as the time involved. Now you need to buy car insurance, but you are thinking twice about buying that online. Somehow, it seems daunting to you.
Let us explore the above-mentioned perception, and find out if it is true or not. The best way to do this is to see what it takes to buy car insurance online and then compare that process with buying clothes online. The question is will any differences between the two processes make it harder or easier?
YOU CAN BUY CAR INSURANCE AND CLOTHES ANY TIME
You don’t have to make an appointment with a car insurance agent, and so you can buy car insurance online anytime, at a time that’s convenient to you. Similarly, you don’t have to wait for that retail store to open its doors at 09h00 before you can buy that pair of trousers you’ve been wanting to buy.
INFORMATION AT YOUR FINGER TIPS
Any questions you may have regarding car insurance can be answered online. It pays the insurance companies to provide clear information for just about every possible scenario. The company may easily lose its potential customers if they cannot understand what the company is trying to convey online. In the same way, the online clothes store must supply all the information you need for an informed decision.
COULD ONLINE CAR INSURANCE BE CHEAPER?
An online feature may result in reduced overheads in some areas for a company, this in turn could increase the chance that the company may be able to offer more competitive prices for car insurance. The quote provided should have all the costs included, you should not get any surprises. When you are buying clothes online, you also don’t have any surprises as long as you don’t forget to add the shipping costs to the purchase price.
PRACTICE MAKES PERFECT
When you are online, you are all on your own, as you get taken through the steps. As you normally only obtain car insurance once in a few years, often you might not be completely au fait with all the ins and outs of car insurance products. The information given to you online may require you to read carefully and listen to audio and video material that explain the product. This is always a good idea so that you know exactly what you are covered for and what the exceptions are.
ARE THE PRODUCTS CLEARLY DESCRIBED?
Buying both car insurance and clothes online means you are buying two products. They both need to be described clearly enough before a purchase can be made. Thus the car insurance package needs to be understandable to Mr Average, who only makes this type of purchase once in a while. If the online information is described in difficult insurance jargon and expression, it will make the potential buyer uncomfortable to proceed further with the purchase.
Similarly, various pictures of the clothes on sale must be clear enough for the potential buyer to be in a position to buy the product. The pictures have to make up for the fact that the buyer cannot touch or even smell the product, or go to a fitting room.
IS BUYING CAR INSURANCE ONLINE THE SAME AS BUYING CLOTHES ONLINE?
Buying car insurance online is almost the same as buying a pair of trousers online. There is perhaps some difference in complexity between the two. In the case of buying car insurance online, you have to satisfy yourself that you have read up enough and thoroughly understood the product on offer. You may have to consult online videos. It may take some time to understand and process things before you are comfortable in making a purchase. In addition, you don’t buy car insurance once a month, which means you are not so familiar with the product or the process of buying that product. The investment is greater, and so with that comes a greater responsibility before making a decision.
BUYING CLOTHES ONLINE MAY COST LESS
On the other hand, a pair of trousers is not a complex product. All you need to do is to ensure that the pictures displayed online are clear enough for you to make an informed decision. You can read up what the material is made up of e.g. is it viscose, or cotton, and so on? The measurements are important so that the trousers will fit you fine. You certainly will end up buying clothes online more frequently than buying car insurance. This will thus help you to be more familiar with the whole process of purchasing online – after all, practice makes perfect. The cost of a pair of trousers is considerably less than that of a car insurance plan, and thus in the event of some mistake, it will not have such a great impact on your purse.
USE “COD” WHEN PAYING FOR THE ORDERED CLOTHES
Regarding buying clothes online, cash-on-delivery or COD is the best way to pay for them. 4 It is ideal to see the goods first before you pay, for the obvious reason that this is the first time you can actually see, feel and touch the product for the first time. There may be the possibility though that some online shops may not permit you to inspect the package contents before paying.
CAR INSURANCE BECOMES YOURS ONLINE AS SOON AS YOU HAVE PAID
Most car insurance companies allow you to print insurance documents online. It takes much less time when buying car insurance online. Car insurance as a product does not have to be delivered to your house, nor do you have to pay “COD”. It is a real advantage that once you have paid for the car insurance online, your will have access to the policy documents without having to worry about any delays caused by some unreliable courier. You will need to wait for your first premium to go off to be under cover unless you elect to have immediate cover options and pay for those.
Buying clothes online means they have to be delivered to you somehow. That means a reliable courier needs to be involved, accompanied by shipping charges. You will need to find what those additional charges will be. Some websites may not mention anything about shipping charges, and so you’ll just have to abandon them. This is where buying car insurance online scores, because it doesn’t have these kinds of charges.
WILL THE ORDERED CLOTHES GET TO YOU ON TIME?
Car insurance can be bought instantly online and activated immediately if you elect that particular option and meet all the requirements for it to be in force. However, buying clothes online and wondering if they will be delivered to you on time is a real worry for most of South Africa’s Internet users.5 The online company needs to use an efficient and reliable courier company that will deliver the clothes on schedule. The onus is on you to check what the delivery timelines are like.
We have seen that purchasing car insurance and clothes online both have their pros and cons. However, Prime Meridian Direct makes it easy on its online insurance purchase platform for a potential buyer to purchase the right car insurance plan for his or her specific situation. It may well take less hassle to purchase car insurance online compared to buying clothes online.
BE SURE TO BENEFIT WHEN PURCHASING CAR INSURANCE VIA PMD’S ONLINE INSURANCE PURCHASE PLATFORM
In the foregoing text, we have seen how easy it is to buy car insurance online, because you don’t have to contact anyone unless you want to, you can arrange the insurance plan exactly as you want it, you can be helped with audio and video material on the platform, and the whole process is quick, and convenient. If you do need human assistance, there is a call-back facility available. Finally, you can buy the car insurance at a time that completely suits you.