Whether you’ve recently been in a fender bender or you’d just like to know how to make a claim on your car insurance claim. If, for example, your basic excess is R3 000 and the damages to your vehicle amount to R40 000, you will have to pay the first R3 000 and your insurance provider will pay the balance of the claim, i.e., the R37 000.
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Once you’re clear on whether the damage is worth claiming for and whether you’re covered for the incident, it’s time to get down to making the actual claim. Here’s everything you need to do depending on your specific insurer’s requirements:
The first thing you’ll want to do after being involved in an incident is gather key details about the events.
If there was another driver or person involved, that would include their name, contact details, and insurance information. The same goes for anyone who might have witnessed the incident.
A picture is worth a thousand words. Especially on police reports and insurance claims. Take photos of the damage to your vehicle and any person or property. Then draw a sketch of the scene and note down all road signs, markings, and other details.
Head to the nearest police station to file a report and obtain a case number. This step is crucial for processing your insurance claim.
It’s time to get in touch with your insurance company. Most insurers have 24/7 claims hotlines that you can call to initiate the claims process.
When you contact your insurer, have the following information ready:
Your insurer will send you necessary forms to fill out. Complete these and submit along with any required documentation.
An insurance adjuster will be assigned to your claim. They may inspect the damage to your vehicle or assess it based on the evidence you provide, such as photos.
Your insurer will either approve or reject your claim. If approved:
Knowing when to claim is crucial for your insurance company is crucial. Consider the following before submitting a claim:
Excess is the portion of the bill you must pay to repair or replace your car. It helps:
Before claiming, always compare the cost of repairs to your excess. If the repairs cost less than or only slightly more than your excess, it may not be worth claiming.
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Yes, making a claim can impact your premiums. The frequency and nature of claims affect your risk profile and thus your premiums.
Consider add-ons like tyre and rim guard or scratch and dent cover to prevent minor claims.
Understanding the car insurance claims process is essential for every vehicle owner. Be prepared with the right information and documentation to ensure a smooth claims process.
Whether you’ve recently been in a fender bender or you’d just like to know how to make a claim on your car insurance for future reference, hippo.co.za is here to give you all the information you need to make the process go as smoothly as possible.
Once you’re clear on whether the damage is worth claiming for and whether you’re covered for the incident, it’s time to get down to making the actual claim. Here’s everything you need to do depending on your specific insurer’s requirements:
Your insurer will either approve or reject your claim. If approved:
Knowing when to claim from your insurance company is crucial. Factors to consider include:
Excess is the portion of the bill you must pay to repair or replace your car. It helps:
To decide whether to claim, weigh the repair cost against your excess payment.
Yes, making a claim can impact your premiums. The frequency and nature of claims affect your risk profile and thus your premiums.
Consider add-ons like tyre and rim guard or scratch and dent cover to prevent minor claims.
Understanding the car insurance claims process is essential for every vehicle owner. Be prepared with the right information and documentation to ensure a smooth claims process.
Visit Hippo.co.za to compare premiums and benefits across multiple providers—all in one place.
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Welcome to our comprehensive Car Insurance Guide, where we've meticulously compiled essential information, tools, and insights designed to assist you in navigating the complex world of car insurance.
Comprehensive Cover: Offers extensive protection against financial losses from a wide array of incidents involving your vehicle.
Third Party, Fire and Theft: Not only covers damages to others but also protects your car against theft or fire damage.
Third Party Only: Safeguards against the costs of damage to other people and their property, without covering your own vehicle.
Vehicle Use Classification: Helps differentiate personal vs business use, which can affect your policy and premiums.
Insurance Premiums by Age: See how your age affects your car insurance costs and what to expect at different life stages.
Insurance Premiums by Province: Discover how location influences your premium, with insights from various regions in South Africa.
Insurance Demographics: Learn how gender, income, and lifestyle impact car insurance rates and risk profiles.
Exploring Car Insurance Options: Understand the different levels of coverage available to suit your needs.
Impact of Excess on Premiums: Learn how your insurance excess can influence the cost of your premium.
Affordable Car Insurance: Tips for finding cost-effective car insurance coverage for peace of mind.
Insurance Claim Process: A straightforward guide to filing a claim with your insurer.
Car Guide: A guide to South Africa's car brands and typical insurance costs for each.
Car Insurance Values: Understand how different value types (market, retail, trade-in) affect your cover and payout.
Car Insurance Premium: Key tips to reduce your premium and what factors determine your monthly cost.
Put yourself in the driver’s seat of your dream car and keep it looking brand-spanking new with value-added insurance products, provided by trusted and reliable South African insurers.
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Tyre & Rim Guard
South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.
Car Tracker
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Motor Warranty
Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.
Service Plan
Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.
Scratch & Dent
Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
Tyre & Rim Guard
South African roads are full of potholes—this we all know. Protect your tyres and rims from damage caused by bad road conditions.
Car Tracker
Many insurance providers prefer for you to have a vehicle tracker installed in your car to minimise the chances of it being stolen, or to assist in recovering a stolen vehicle. Some insurers even offer discounts for it!
Motor Warranty
Extend your manufacturer’s warranty and get cover for the repair or replacement of certain vehicle components.
Service Plan
Keep your vehicle in the tippest, toppest shape with a service plan and cover the costs of scheduled services.
Scratch & Dent
Can't stand to look at those little scrapes, scratches, and dents that tarnish your otherwise-brilliant-looking car? Scratch & dent will pay to repair small blemishes.
