subject: Can you get cheap car insurance and good service? [print this page] Can you get cheap car insurance and good service?
When you're shopping around for car insurance, it's only natural to opt for the insurance company that offers you the lowest premium. A task made increasingly difficult when you're overwhelmed by advertising campaigns where each and every insurance company is of the opinion that they offer the "cheapest car insurance in South Africa".
Ironically, the cheapest car insurance offering is not always the clearest indication of the best insurer or the best insurance package. In fact, it's definitely worth your while to have a look at the bigger picture by comparing the individual product offerings, considering potential hidden costs and by doing proper research as to what the respective insurance companies' clients have to say about them.
You'll notice that the cheapest car insurance' card is often played early on during the sales or quoting process. Unfortunately, many clients only realise at claims stage whether they chose wisely as this is when insurance companies get to show their true colours.
Don't get me wrong, although your insurance budget is certainly very important so is the fine print. The sales process provides you with the perfect opportunity to ask about the conditions of cover and to confirm exactly what you're covered for.
First off - did you know that many insurers charge a proportionate excess, depending on the claim amount? This means a significant and unexpected blow to your expenses that you have absolutely no control over. Also, by submitting a claim chances are that your monthly premium will increase shortly after.
OUTsurance has positioned themselves as a perfect all-rounder in the short-term insurance industry: providing a great budget car insuranceoption as well as providing a comprehensive, all-encompassing product.
Firstly, they're able to cater for the budget conscious as they work out an insurance package based on your unique risk profile. So, if you have a good risk profile, OUTsurance could just provide you with the cheapest car insurance package out there.
If you're looking for a budget car insurance option, OUTsurance may just offer you the perfect alternative to costly proportionate excesses. They charge a fixed excess amount, no matter how many times you've claimed or what the extent of the damage may be. This holds real value as it allows you to plan for the unexpected well, financially at least.
You'll never have to worry about any fine print or hidden costs - because there isn't any. Your premium is guaranteed for 12 months at a time, which means that even if you submit a claim, your premium will remain unchanged for the remainder of the 12 month period.
OUTsurance is clearly taking their commitment to their clients very seriously. They've won the Insurance Ombudsman award twice already for fairness and efficiency in dealing with claims and handling of client complaints, and recently won the prestigious Ask Afrika Orange Index award for service excellence.
So, even if you're after the cheapest car insurance in South Africa, shop around for insurance quotes but don't ignore the obvious. What you're really after, is an insurer who is willing to go the extra mile to offer you the best all-round comprehensive insurance package at the best price.
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