Types of car insurance

Dial Direct, one of SA's leading car insurance companies, is proud to offer you 4 types of car insurance cover: Comprehensive Insurance Cover, Third Party Cover, Third Party Fire and Theft Insurance and Off-Road Vehicle Insurance. Read on below to determine which cover type would best suit your car insurance needs, and be sure to submit our online insurance e-quote form - you are less than a minute away from a free car insurance quote!

Recommended for: New vehicle owners and any car owner longing for complete peace of mind.

Comprehensive car insurance cover

Comprehensive car insurance policies are highly recommended - especially if you're the driver of a new vehicle. A comprehensive car insurance policy from Dial Direct, for example, will cover your vehicle against accident damage, loss through theft and hijacking, the accidental death or injury of third parties as well as damage to third parties' property! And just to sweeten the deal, all your vehicle accessories will be automatically covered as well!

Third-party car insurance cover

Third-party vehicle insurance is the minimum recommended level of car insurance cover. Although a slightly higher level of cover such as third-party, fire and theft insurance is generally advisable, third-party car insurance is the most affordable type of car cover, and if you're driving a positively ancient vehicle you don't feel the love for, then maybe it's a good call - it's certainly a very affordable car insurance option!

Third-party vehicle cover, as the name suggests, will cover you against financial liability if you were to cause and accident in which someone else's car or property is damaged.

Think about it this way: Going flat-out in your 1973 mini station wagon, you hit a 7 series BMW. Apart from a mild case of whiplash, you're okay, but the damage on the BMW is R100 000. It's a good thing you've got third-party vehicle insurance, or else you'd probably be ruined financially!

Hot car insurance tip:

NB: One of the conditions for your third-party insurance policy to pay out under such circumstances will be that you're driving legally. Never drive a car - yours, or someone else's, if your drivers license has expired. Even if it's only expired by one day, this may negatively affect your car insurers decision as to whether to pay out or not…

Third-party, fire and theft cover

This type of car insurance policy will cover you, the policyholder and designated policy beneficiaries (secondary drivers), against hijackings and theft, whilst also providing you with cover against the accidental death or injury of third parties. The fire insurance component will cover your vehicle against damage caused by fires, lightning or explosions.

Because it is principally a third-party car cover policy, it will also cover you against liability for damage to third parties' property.

Off-road vehicle insurance

If you're planning on going on a 4x4 trip into neighbouring African countries, an off-road vehicle insurance policy is essential to protecting your off-road vehicle. An off-road vehicle policy from Dial Direct will cover you whilst driving in most SADC* countries.

Significantly, Dial Direct will insure your 4x4, bakkie or similar off-road vehicle for retail value - your vehicle will be replaced with a new one if it is less than a year (12 months) old, and has less than 20 000km on the clock! Dial Direct's offroad insurance policies also feature R5 000 cover towards medical expenses, should you require any medical attention whilst trekking around in wildest Africa. If you're planning on doing some advanced 4x4 driving over treacherous terrain, or entering a malaria area, this medical cover benefits will give you the confidence and peace of mind to go boldly where no Saffer has gone before!

When you sign up for an off-road insurance policy with Dial Direct Insurance, they will install a tracking device to ensure that your vehicle can be tracked at all times, and a nominal extra charge will cover your offroad vehicle's accessories for up to R40 000!

As an added benefit, the policy will also provide you with cover for the spare wheel - yes they do get stolen - and your cell phone. Get a free offroad vehicle insurance quote now - it'll only take a minute! Simply submit your basic details, and a seasoned car insurance consultant will contact you to tailor the policy to your needs right away! If you're looking for more reliable car insurance information, the Insurance Information Institute's site may also be of use.

Recommended for: 4x4 and bakkie owners travelling outside SA.

*Southern African Development Community

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