What does comprehensive car insur...

What is Comprehensive Car Insurance?

If you’re not 100% sure of the details regarding different types of insurance, and have just been looking at price, you might have noticed that there are other types of insurance that are slightly cheaper.  A common form of reasonable insurance is ‘fire, theft, and third-party ’cover.

This type of insurance will pay out if your car is damaged due to fire or is stolen, as the name suggests.  As for accident damage, this insurance pays out if you cause an accident – but only covers the other vehicle (or vehicles) involved.  Any damage to your own car remains your responsibility to repair.

This is fine if you are exceptionally careful on the roads, but even then, you can never predict what might happen when you leave your house.  For this reason, it is always a wise option, to go for comprehensive car insurance.

What Does Comprehensive Insurance Cover?

Comprehensive insurance covers a great many things – some of which you may never have considered as being hazards to your vehicle. Examples include:

1. Natural Disasters

We may have a pretty temperate climate here in South Africa, which (touch wood) rarely sees tornadoes, hurricanes, or devastating earthquakes. However, we do have torrential rains at times, which makes flooding and landslides threats to watch out for.

2. Falling Objects

This might apply to falling tree branches or other forms of debris. You never know what’s over your head until it dents your car’s bonnet.

3. Fire

Since cars have internal combustion engines, they’re filled with various flammable liquids. And, when it gets going, the interior of your car burns well, too. Because of this, it’s never a good idea to discount fire as a major hazard.

4. Theft

You might have noticed that a few people in the country have made careers out of stealing cars. This makes having good theft cover an absolute must in South Africa.

5. Civil Disturbances

Cover against civil disturbances includes damage done to your car if it is involved in a riot or something similar. This is always good to have if you find yourself driving down the wrong road at the wrong time.

Car Insurance Quotes

If you’re getting insurance quotes on car insurance, you have to consider your budget. However, you also have to consider the various threats out on the roads and whether you can afford to repair your car out of your own pocket should unfortunate circumstances find you.

This can mean making some certain financial sacrifices, but it doesn’t have to cost an arm and a leg. For excellent car insurance quotes that are sure to give you the cover you need, contact iWYZE today!

 

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