Comprehensive Car Insurance

Plus get Scratch & Dent for Just R10pm
Up to 10% off comprehensive cover. Premiums are risk profile dependent and reviewed annually. Scratch & Dent premium valid for 12 months only. T’s & C’s apply.

 

 

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Frequently Asked Questions

Do I need to install a tracking device?

You don’t have to have one installed with our Comprehensive Car Insurance policies, but we strongly recommend you install an approved tracking device in your car. While you’re at it, consider having anti-smash-and-grab windows fitted as well. These added safety features greatly reduce the chances of you being hijacked and of your car being stolen and not recovered. Having to replace a car rather than repair it the most expensive outcome, which can affect your premiums in the future. Play it safe and install a tracking device.

What is the difference between Comprehensive and Third-Party Insurance?

Comprehensive car insurance covers your own vehicle and the other party's vehicle in the event of an accident or collision. It also provides cover for theft or damage caused by fire, weather or vandalism. Third-party only insurance covers damages caused by your vehicle to a third-party’s vehicle or property, but not your own vehicle.

What is the meaning of fully comprehensive cover?

This type of insurance that provides the highest level of cover for both the policyholder. The policy provides cover for damages to both your vehicle and the other party's vehicle, as well as cover against theft, fire and weather damage. Budget Insurance includes Assist Benefits with our comprehensive plan.

How does Comprehensive Car Insurance work?

Comprehensive insurance covers your vehicle against a wide range of risks, including theft, hijacking, accidental damage, and third-party claims. If something happens, you pay your excess, and your insurer covers the rest, up to the insured value in your policy schedule.

What does Comprehensive Insurance cover?

It covers theft, hijacking, fire, natural disasters, accidental damage, and third-party liability. This means you're protected whether your car is stolen, damaged in a crash, or you cause damage to someone else’s vehicle or property.

What is the difference between Comprehensive Insurance and Third-Party Insurance?

Comprehensive Car Insurance covers both your car and third-party damage, while Third-party Insurance only covers damage you cause to others’ property. With comprehensive cover, you’re protected even if your car is stolen, hijacked, or damaged in an accident.

What does fully Comprehensive Insurance mean?

Fully Comprehensive Car Insurance offers the highest level of cover, protecting against theft, loss, accidents, natural disasters, and third-party claims, giving you peace of mind on and off the road.

Key Car Insurance Terms You Should Know

Excess or deductible

 

This is the amount you pay for an insurance claim before your insurance coverage kicks in. For instance, if you were involved in a car accident, the excess is payable upfront to the service provider, like a panel beater, regardless of who is responsible for the accident. Your excess will vary depending on policy terms and coverage levels.

Write-off

 

If your car is written off after a car accident, it means the cost of repairing the damaged vehicle exceeds its current market value. In such cases, the insurer declares the vehicle a total loss and reimburses the policyholder for its pre-accident value minus any deductible and salvage value.

Third-party claim

 

Refers to a claim made by someone other than the policyholder against the policyholder’s insurance coverage. It typically involves compensation for damages or injuries caused by the policyholder's actions, such as a car accident where the policyholder is deemed to be at fault.

 

Premium

 

This is the amount of money the policyholder will pay to an insurance company in exchange for insurance coverage. It is paid on a monthly or annual basis and is based on various risk factors, coverage levels, and the type of insurance policy.

Liability

 

Refers to legal responsibility for damages or injuries an individual may incur due to their actions. Liability coverage protects policyholders from financial losses resulting from third-party claims or lawsuits filed against them for causing harm or damage to others.

Insured value

 

Refers to the maximum amount payable, less excess, to cover damages to a vehicle. It's typically determined by the vehicle's market value or agreed-upon value between the policyholder and insurer.