Motor Insurance
What is Comprehensive Motor Insurance? +
Comprehensive motor insurance provides the most extensive coverage for your vehicle, including damage to your vehicle and third-party property, whether you are at fault or not.
What is Third Party Motor Insurance? +
This is the minimum legal requirement and covers injury, death, or damage caused to other persons or their property.
What is an Excess/Deductible? +
This is the portion of a claim you must pay out of pocket before the insurer covers the remaining cost.
Who is covered when driving my vehicle? +
Drivers over 25 with more than 2 years’ experience are covered once authorized. Others may require an additional premium.
Can I renew on behalf of someone else? +
Yes, with a letter of authorization and valid ID from both parties.
Can I suspend my insurance? +
Yes, with a valid reason and submission of the original certificate.
Do windscreen claims affect my premium? +
No, windscreen claims do not affect your premium.
Property Insurance
What is covered under a homeowner’s policy? +
It provides protection for your home, belongings, and liability depending on the policy coverage.
Market Value vs Replacement Cost? +
Market value includes land and location. Replacement cost covers rebuilding expenses excluding land value.
What is the Average Clause? +
If underinsured, the insurer will only pay a portion of the claim based on the insured value vs actual value.
Why insure at full replacement value? +
To avoid reduced claim payouts and having to cover rebuilding costs yourself.
