Vehicles can be covered on a motor alone policy or a combined policy. Motorcycles as well as caravans can also be insured.
Different vehicle insurance cover options:
Comprehensive: Provides cover against loss or damage in either a road accident or natural disaster.
Cover against road accident damage or loss.
Cover against attempted or actual vehicle theft or hijacking.
Cover against damage to your vehicle as a result of fire, theft or natural disaster (e.g. storms and floods).
Cover for third party claims against you, should you ever be legally liable for damage to a vehicle, injury to another person or damage to third party property.
Roadside assistance
Optional car hire cover.
Optional credit shortfall cover.
Limited: (Fire and Theft) Covers accidental loss or damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft. Third Party: This will cover the amount for which you are legally liable to a third party if the liability relates to the vehicle.
fAQ (frequently Asked Questions about car insurance)
Is vehicle insurance compulsory in South Africa?
No, vehicle insurance is not legally compulsory in South Africa. However, it is highly recommended because you may be held financially responsible for damage to your own vehicle, another person’s vehicle, property, or injuries caused in an accident.
What is the difference between Comprehensive, Limited (Fire & Theft), and Third-Party cover?
Comprehensive Cover protects your vehicle against accidents, theft, hijacking, fire, storms, floods, and third-party claims. Limited Cover (Fire & Theft) only covers loss or damage caused by fire, explosion, theft, or attempted theft, plus third-party liability. Third-Party Cover only pays for damage or injuries you legally cause to others and does not cover your own vehicle.
Does vehicle insurance cover hijacking and theft in South Africa?
Yes. Comprehensive insurance generally covers vehicle theft and hijacking, including attempted theft or hijacking, subject to the insurer’s terms, conditions, and excesses. Limited (Fire & Theft) policies may also provide cover for theft-related losses.
Personal Insurance
It’s about providing financial protection against sudden and unexpected losses to your assets and possessions. It helps you recover financially after events such as theft, accidents, fire, storms, or other insured risks.
fAQ (frequently Asked Questions about personal insurance)
What does personal insurance cover?
Personal insurance helps protect your finances if your home, belongings, or valuable possessions are damaged, lost, or stolen due to insured events such as fire, storms, theft, or accidents. Depending on your policy, it can include buildings, household contents, all-risk items, personal legal liability, and watercraft.
What is the difference between Buildings Insurance and Contents Insurance?
Buildings Insurance covers the physical structure of your home and permanent fixtures, such as walls, roofs, fitted kitchens, and garages. Contents Insurance covers the belongings inside your home, including furniture, appliances, electronics, clothing, and other personal possessions if they are damaged, destroyed, or stolen.
What is All Risks insurance, and do I need it?
All Risks insurance provides cover for valuable personal items you regularly take away from your home, such as laptops, smartphones, jewellery, cameras, and bicycles. If these items are lost, stolen, or accidentally damaged while you're out and about in South Africa, All Risks cover can help protect you, subject to your policy's terms and conditions.
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We understand that successful business, big or small, takes years of hard work and sacrifice.
We provide personal service of the highest standard. We guide you with expert advice, assess your risk needs, get comprehensive cover, negotiate premiums on your behalf and handle claims as quick and efficiently as possible.
villageinsurancebrokers@mweb.co.za