What Is Comprehensive Car Insurance?
A comprehensive car insurance policy gives you cover for a wide range of risks, from fire to accidental damage.
Imagine your garage catches alight and your car gets burnt to a crisp. Or you’re driving home from work and you get involved in a fender bender. Or maybe someone's disgruntled ex mistakes your vehicle for their former lover’s and spray paints some choice words on the doors.
Comprehensive insurance would allow you to claim to repair all of the damages caused—or perhaps even replace your vehicle—in these scenarios.
Do You Really Need It?
The comprehensive option gives you the most extensive protection. This is especially important in South Africa where nearly 60 cars are stolen every day and the roads are littered with vehicle-mangling obstructions like potholes.
Benefits of Comprehensive Car Insurance
- All-inclusive coverage: You’re able to claim for damage caused to your car as a result of accidents, fire, natural disasters, vandalism, theft, and more.
- Financial protection: Cover pays out for a variety of damages, so it can help protect your finances in a big way.
- Complete peace of mind: There are enough things to be stressed about on the road; being able to repair your car needn’t be one of them when you have comprehensive cover.
What Does Comprehensive Cover Cost?
Car insurance companies work out your monthly car insurance premiums based on a couple of different factors, from how old you are to what vehicle you drive. Which makes it difficult to say what comprehensive car insurance will cost in your particular case.
That said, comprehensive is the most expensive of the three car insurance options. It can set you back way more monthly than third party only cover.
The best way to find out what comprehensive cover will cost you is to gather and compare quotes from multiple car insurance companies.
How Do Companies Calculate Insurance Premiums?
Insurers use a car insurance calculator to work out what premium to offer you. This nifty tool looks at your risk profile and tells providers how likely you are to make a claim.
How To Choose the Right Comprehensive Cover?
- Monthly premiums: Affordability is a big factor. You don’t want to end the month with an empty skaftin because the cost of your coverage is sky high. All insurers have their own formula to calculate premiums, so you can shop around to find the best one.
- Excess: The last thing you want when you have an accident is being unable to repair your car because you can’t pay your excess. Be sure that your ‘cheap’ comprehensive car insurance doesn’t require an excess payment that will leave your wallet empty.
- Inclusions and exclusions: Review what the policies you’re considering cover, and what they don’t. Sometimes it may be better to pay a little extra every month for the peace of mind that you won’t have to haggle to get a pay-out if you do have to claim.
- Claims process and customer service: Look at the claims process and customer reviews to understand how much hassle you’ll need to go through to get your vehicle replaced or repaired.
Of course, the best way to know that you’re making the right choice is to compare quotes from multiple companies. Fortunately, that’s easy to do with hippo.co.za.
Expert Tools, Tips and Guides
Welcome to our comprehensive guide, where we've meticulously compiled essential information, tools, and insights designed to assist you in navigating the complex world of car insurance.
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Our Guides |
Our Tips |
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Comprehensive Cover: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle. |
Exploring Car Insurance Options Understand the different levels of coverage available to suit your needs. |
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Third Party, Fire and Theft: Not only covers damages to others but also protects your car against theft or fire damage. |
Impact of Excess on Premiums: Learn how your insurance excess can influence the cost of your premium. |
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Third Party Only: Safeguards against the costs of damage to other people and their property, without covering your own vehicle. |
Affordable Car Insurance: Tips for finding cost-effective car insurance coverage for peace of mind. |
| Under 25s Car Insurance: Navigate how your age influences your risk profile and insurance premiums. |
Insurance Claim Process: A straightforward guide to filing a claim with your insurer. |
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Vehicle Use Classification: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle. |
Car Guide: A great guide to South Africa's car brands, insurance premiums for those brands and more. |
